Pattaya November-December 2021

NOV / DEC 2021
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THAILAND HAS A LOT TO OFFER
FOR PATTAYA RESIDENTS
Cover Story Overleaf
INSIDE THIS ISSUE:
- Gartner Identifies the Top Strategic Technology Trends for 2022
- Miso Launches Thailand's First Telematics-Based
Motor Insurance Mobile Sales App Platform
- Just The Statistics
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Cover Story
THAILAND HAS A LOT TO OFFER FOR
PATTAYA RESIDENTS
If you are a Pattaya resident
looking for a break, then
there are many places to visit
in Thailand, without all of the
stresses required these days
to go to an overseas destination
such as potential quarantines,
or even total travel bans
at short notice.
Near to Pattaya are plenty
of options for a getaway that
will be hassle free and provide
plenty of great memories.
Check out Rayong’s Mae
Ram Phueng beach. This extensive
beach lies just to the
east of Rayong City and has
natural beauty, as it is not
over-developed.
At the end of the beach on
its own cliff side viewpoint is
Rayong Resort, a well appointed
hotel with its own beach
head and fishing pier overlooking
the beautiful island of Koh
Samet.
Talking of Koh Samet, it
is accessible from Ban Phe
village, which is a short distance
from the end of Mae Ram
Phueng beach. Ideal for a short
getaway, it is considered one of
Thailand’s jewels.
Further east is Chantaburi,
home to durian fields and sapphire
mines which you can visit
on day tours.
Of course recommendations
along the east coast of
Thailand wouldn’t be complete
without a mention of Koh
Chang, which sits off Trat province
and is home to some great
beaches and greenery. A trip
there for a few days would be
worthwhile as there are a number
of very nice resorts dotted
along the various beachfronts.
Further afield, whilst everyone
is aware of the trappings
of a trip to Bangkok or Chang
Mai, some places off the beaten
track are well worth considering.
Ayutthaya, around 80 kilometers
north of Bangkok, is
home to the ancient city that
was the capital of Thailand in
the fourteenth century. The
unique historical ruins can be
found at the Ayutthaya Historical
Park, as well as a number
of famous temples including
Wat Phra Mahathat, Wat Phra
Si Sanphet and Wat Yai Chai
Mongkol, the latter known for
its huge reclining Buddha statue.
In the north of Thailand
the town of Pai in Mae Hong
Son province is home to some
spectacular country views
which can be seen to great advantage
from the Yun Lai Viewpoint.
The town of Pai itself is
quite compact, but nearby are
some great trails in the Pai
Canyon, with stunning views
of rice terraces, a multitude of
waterfalls, and the famous Tha
Pai hot springs.
Also in the north, located
between Chiang Mai and Chiang
Rai is another beautiful
town called Phayao. This town
sits on the edge of the largest
freshwater lake in the northern
region and is also close to
mountains, which can be seen
as a fantastic backdrop. The
view across the lake from the
town centre is quite breath-taking
and makes for memorable
getaway. Boat trips, cycling
tours and other outdoor activities
await.
Across the gulf of Thailand
and easily reached by road
from Pattaya by skirting the
south of Bangkok, is Hua Hin,
a beach side resort town best
known as the Kings holiday
retreat, but also famous for its
beaches which offer a quieter
way of life. Within driving distance
of Hua Hin there is also
the Kaeng Drachan National
Park and the Pranburi Mangrove
Forest.
Phuket and Koh Samui
await those looking for a more
southerly getaway. Often
flights from Bangkok Airways
can be found that leave Pattaya’s
U-Tapao airport for a direct
connection.
Phuket’s well known beaches
include Nai Harn Beach,
which boasts crystal clear waters,
and Kata Noi beach for
a quieter stay. Phuket Town is
worth exploring for traditional
markets and quaint buildings
that can make for picture perfect
settings.
Koh Samui is well known
for its beaches too, but it is
part of
Ang Thong National Marine
Park that covers 42 islands
many of which are home to exotic
animals. Activity options
include scuba diving, jungle
trekking and boating around
the islands.
Whatever kind of break you
are looking for, you can be sure
of being spoilt for choice without
even leaving the country.

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GARTNER IDENTIFIES THE TOP STRATEGIC
TECHNOLOGY TRENDS FOR 2022
Gartner, Inc. recently announced
the top strategic technology trends that
organizations need to explore in 2022.
"With CEOs and Boards striving to
find growth through direct digital connections
with customers, CIOs' priorities
must reflect the same business
imperatives, which run through each
of Gartner's top strategic tech trends
for 2022," said David Groombridge, research
vice president at Gartner.
"CIOs must find the IT force multipliers
to enable growth and innovation,
and create scalable, resilient technical
foundations whose scalability will free
cash for digital investments. These imperatives
form the three themes of this
year's trends: engineering trust, sculpting
change and accelerating growth."
The top strategic technology trends
for 2022 are:
Generative Artificial Intelligence (AI)
One of the most visible and powerful
AI techniques coming to market is
generative AI - machine learning methods
that learn about content or objects
from their data, and use it to generate
brand-new, completely original, realistic
artifacts.
Generative AI can be used for a
range of activities such as creating software
code, facilitating drug development
and targeted marketing, but also
misused for scams, fraud, political disinformation,
forged identities and more.
By 2025, Gartner expects generative AI
to account for 10% of all data produced,
up from less than 1% today.
Data Fabric
The number of data and application
silos has surged in the last decade,
while the number of skilled personnel in
data and analytics (D&A) teams has either
stayed constant or even dropped.
Data fabrics - a flexible, resilient integration
of data across platforms and
business users - have emerged to simplify
an organization's data integration
infrastructure and create a scalable
architecture that reduces the technical
debt seen in most D&A teams due to
the rising integration challenges.
A data fabric's real value is its ability
to dynamically improve data usage
with its inbuilt analytics, cutting data
management efforts by up to 70% and
accelerating time to value.
Distributed Enterprise
With the rise in remote and hybrid
working patterns, traditional office-centric
organizations are evolving into distributed
enterprises comprised of geographically
dispersed workers.
"This requires CIOs to make major
technical and service changes to deliver
frictionless work experiences, but
there is another side to this coin: the impact
on business models," said Groombridge.
"For every organization, from
retail to education, their delivery model
has to be reconfigured to embrace distributed
services. The world didn't think
they'd be trying on clothes in a digital
dressing room two years ago."
Gartner expects that by 2023, 75%
of organizations that exploit distributed
enterprise benefits will realize revenue
growth 25% faster than competitors.
Cloud-Native Platforms (CNPs)
To truly deliver digital capabilities
anywhere and everywhere, enterprises
must turn away from the familiar
"lift and shift" migrations and toward
CNPs. CNPs use the core capabilities
of cloud computing to provide scalable
and elastic IT-related capabilities "as a
service" to technology creators using
internet technologies, delivering faster
time to value and reduced costs.
For this reason, Gartner predicts
that cloud-native platforms will serve
as the foundation for more than 95%
of new digital initiatives by 2025 — up
from less than 40% in 2021.
Autonomic Systems
As enterprises grow, traditional
programming or simple automation
will not scale. Autonomic systems are
self-managing physical or software
systems that learn from their environments.
Unlike automated or even
autonomous systems, autonomic systems
can dynamically modify their own
algorithms without an external software
update, enabling them to rapidly adapt
to new conditions in the field, much like
humans can."Autonomic behavior has
already made itself known through
recent deployments in complex security
environments, but in the longer term,
will become common in physical systems
such as robots, drones, manufacturing
machines and smart spaces,"
said Groombridge.
Decision Intelligence (DI)
An organization's decision-making
competency can be a significant source
of competitive advantage, but it's becoming
more demanding.
Decision intelligence is a practical
discipline used to improve decision
making by explicitly understanding and
engineering how decisions are made,
and outcomes evaluated, managed
and improved by feedback. Gartner
predicts that in the next two years, a
third of large organizations will be using
decision intelligence for structured decision-making,
to improve competitive
advantage.
Composable Applications
In the continuously changing business
context, demand for business
adaptability directs organizations toward
technology architecture that supports
fast, safe and efficient application
change. Composable application architecture
empowers such adaptability,
and those that have adopted a composable
approach will outpace competition
by 80% in the speed of new feature
implementation.
"In turbulent times, composable
business principles help organizations
master the accelerated change that is
essential for business resilience and
growth. Without it, modern organizations
risk losing their market momentum
and customer loyalty," said Groombridge.
Hyperautomation
Hyperautomation enables accelerated
growth and business resilience by
rapidly identifying, vetting and automating
as many processes as possible.
"Gartner research shows that the
top-performing hyperautomation teams
focus on three key priorities: improving the
quality of work, speeding up business processezs,
and enhancing the agility of decision-making,"
said Groombridge. "Business
technologists supported an average of 4.2
automation initiatives in the past year, too."
Privacy-Enhancing Computation
(PEC)
As well as dealing with maturing international
privacy and data protection
legislation, CIOs must avoid any loss
of customer trust resulting from privacy
incidents. Therefore, Gartner expects
60% of large organizations to use one
or more privacy-enhancing computation
techniques by 2025.
PEC techniques - which protect personal
and sensitive information at a data,
software or hardware level - securely
share, pool and analyze data without
compromising confidentiality or privacy.
Current use cases exist in many verticals
as well as with public cloud infrastructures
(e.g., trusted execution environments).
Cybersecurity Mesh
"Data is strung throughout many of
this year's trends, but it is only useful
if enterprises can trust it," said Groombridge.
"Today, assets and users can
be anywhere, meaning the traditional
security perimeter is gone. This requires
a cybersecurity mesh architecture
(CSMA)."
CSMA helps provide an integrated
security structure and posture to secure
all assets, regardless of location. By
2024, organizations adopting a CSMA
to integrate security tools to work as a
cooperative ecosystem will reduce the
financial impact of individual security
incidents by an average of 90%.
AI Engineering
IT leaders struggle to integrate AI
within applications, wasting time and
money on AI projects that are never
put in production, or struggling to retain
value from AI solutions once released.
AI engineering is an integrated approach
for operationalizing AI models.
"For fusion teams working on AI, the
real differentiator for their organizations
will lie in their ability to continually enhance
value through rapid AI change,"
said Groombridge. "By 2025, the 10%
of enterprises that establish AI engineering
best practices will generate at
least three times more value from their
AI efforts than the 90% of enterprises
that do not."
Total Experience (TX)
TX is a business strategy that combines
the disciplines of customer experience
(CX), employee experience
(EX), user experience (UX) and multiexperience
(MX). The goal of TX is to
drive greater customer and employee
confidence, satisfaction, loyalty and
advocacy. Organizations will increase
revenue and profit by achieving adaptive
and resilient TX business outcomes.
This year's top strategic technology
trends highlight those trends that will
drive significant disruption and opportunity
over the next five to 10 years.
Gartner clients can read more in "Top
Strategic Technology Trends for 2022."
Learn about this year's trends in more
depth in the associated Gartner e-book.
About Gartner
Gartner, Inc. (NYSE: IT) delivers
actionable, objective
insight to executives
and
their teams.
Our expert
guidance
and
tools
e n -
able
faster,
smarter
decisions and
stronger performance
on an
organization's
most critical
priorities. To
learn more,
visit gartner.com.
Source:
PC & Associates
Consulting

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THAILAND BUSINESS NEWS
CENTRAL RETAIL
CORP ALLOCATES
B5BN FOR NEW
STORES AND
RENOVATIONS
As a sign that a retail recovery is taking
place in Thailand, the owner of Central
and Robinsons departments stores,
SET listed Central Retail Corporation, is
allocating 5bn baht to renovate stores
and to build new ones. Three new stores
are planned for next year to add to the
74 department stores that exist already.
The new chief executive of Central
and Robinson Department Store, Olivier
Bron, was quoted as saying,
"Central and Robinson have overcome
the challenges caused by the
Covid-19 pandemic, with the success
of the omnichannel sales of 120% yearto-date.
Online business has massive
growth while offline business continues
to grow. Therefore, we are committed to
opening our offline stores with the main
focus on creating different shopping atmospheres
and lifting up the standard to
international level.”
Among the three new stores planned
for 2022 is one in Thalang, Phuket,
which will be a Robinsons branded department
store.
Renovations will take place at existing
stores in Nonthaburi and Chachoengsao
as well as at Lat Phrao, Chidlom
and Rama II locations in Bangkok.
SINGHA EXPECTS
HOTEL BUSINESS
TO REBOUND
Singha Estate, a SET-listed property
developer and hotel operator, is looking
forward to rosier times ahead at its hotel
properties in Thailand as well as those it
owns in Mauritius and Fiji by the end of
the second quarter of next year.
Chairath Sivapornpan, chief financial
officer, was quoted as saying, "There
were good signs after Thailand reopened
earlier this month," adding, "Our two hotels,
Saii Phi Phi Island Village and Saii
Laguna Phuket, will resume operations
in December and this momentum will
carry through in 2022."
Singha expects the recovery to start
in the last quarter of this year buoyed by
arrivals from the UK and other European
markets. Other markets that are being
targeted are the USA, Australia, Canada
and New Zealand.

Chairath Sivapornpan was also quoted
as saying, "We received bookings for
60% occupancy in January from travellers
from Australia and New Zealand,"
adding, "Our two hotels in Fiji should
have robust bookings in the second
quarter of 2022, which is the high season."
In the first nine months of 2021, Singha
Estate overall achieved a net profit of
1.5 billion baht on revenue of 5.14 billion
baht. Of this, 2.77 billion baht was attributable
to their hotel business and 1.57
billion baht came from residential sales.
PTT CLOSE TO
DECISION ON EV
FACILITY
Chief executive of PTT, Auttapol
Rerkpiboon, was quoted as
saying, "Once the decision is
made, we plan to start the
construction of the first EV
assembly facility within
the end of next year.”
PTT also entered
into an agreement with
an EV company called
Hozon based in China to build
Hozon vehicles. Capacity is expected to
be up to 50,000 units per year by 2023,
and may treble by 2030.
Mr Auttapol was also quoted
as saying, "We formed a
partnership with Foxconn to
develop an EV assembling
facility and teamed up with
Hozon to do a marketing
plan and distribute EVs under
the Hozon brand.”
PTT Plc., the national oil and gas behemoth
is close to making a final decision
regarding the development of a new
EV assembly plant. The plan comes as
the conglomerate looks to shift more to
renewable energy.
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FOREIGN CURRENCY UPDATE
THE U.S. DOLLAR
The U.S. Dollar has moved considerably
higher recently. The DXY Dollar index
that measures the Dollar’s value against
a basket of major currencies, moved relentlessly
from 93.13 to 96.07, notching
up a 16 month high in the process. Of
note also is that the 50-day moving average
reversed a year-long trend to now be
on an ascending bias. The price action is
potentially due to a slightly more hawkish
fed along with multiple data releases
that showed inflation running at its highest
rate in more than 30 years. As well, a
flight to safety arguably took place after
the Omicron variant hit news headlines.
Interestingly, this had the effect of pairing
gains of the yields on the 10-year note,
which stood at 1.489 per cent, down from
a recent high of 1.687 per cent. Against
the Thai Baht, the USDTHB exchange
rate rose slightly from 33.28 to 33.69.
THE BRITISH POUND
The British Pound was unable to hold on
to the 1.3850 level to the U.S. Dollar and
sold off sharply to 1.3342. A catalyst for
the move appeared to be the surprise announcement
by the Bank of England that
rates would be held steady, even though
they had previously primed the markets
to expect a rate rise. Yet the BoE still
maintains a hawkish bias and in similar
fashion to the U.S., inflation is running
at a near 30 year high. Against the Thai
Baht, the British Pound dropped from
45.99 to 44.49.
THE JAPANESE YEN
The Japanese Yen has weakened from
110.08 to 115.31 to the U.S. Dollar as the
Greenback strengthened, but snapped
back to 113.31 as a flight of safety took
hold following the stock market falls on
the back of the Omicron news release.
When the USDJPY cross rate falls, the
Yen is gaining in strength, since one USD
buys less Yen than before. A battle of
wills will likely prevail with the Yen still on
a weakening trend from continued dovish
policy by the Bank of Japan but at the
same time regaining its safe haven status.
Against the Thai Baht, the Yen moved
from 0.3002 to 0.2901.
THE RUSSIAN RUBLE
The Russian Ruble ended its run of low
volatility moving from 72.69 to the U.S.
Dollar down to 69.45 and then rebounding
sharply to 74.52. More volatility is
expected as stock markets and other
risk assets also endure a more volatile
period. Against the Thai Baht the Ruble
weakened from 0.4598 to 0.4452.
THE EURO
The Euro bore the brunt of Dollar strength
and sold off from 1.1745 against the US
Dollar to 1.1210. With the Eurozone fighting
both high inflation and a new Covid
surge, future moves will largely depend
on the stance of the ECB, which is currently
still dovish. Against the Thai Baht,
the Euro dropped from 39.06 to 37.41, a
move of more than 4 per cent.
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MISO LAUNCHES
THAILAND'S FIRST
TELEMATICS-BASED
MOTOR INSURANCE
MOBILE SALES
APP PLATFORM
Newly established insurtech startup
Miso Solutions has launched the
first app-only motor insurance mobile
telematics platform on the Thai market
with the goal of being the leading provider
of end-to-end digital distribution
solutions in Thailand and Southeast Asia
by offering insurance premiums that reflect
each customer's driving behavior.
In addition, it is aimed to enhance safer
driving, leading to reduce road accidents
and fatality rates.
Miso was founded by Chris Venvell
and Andrew Shaw with partners Edip
Okur and Paradai (Duke) Theerathada,
making up a multi-faceted industry team
of executives with global and local experience.
Miso Solutions leverages Amodo
telematics technology to create a new
and unique smartphone-based "Usage
Based Insurance" (UBI) solution as an
end-to-end technology platform and
marketing service to drive new business
to insurance partners. Miso's business
model is Board of Investment approved
with its application receiving Office of Insurance
Commission approval.
Edip Okur, CEO, Miso Solutions, revealed
that, presently, everybody basically
pays the same for premiums.
However, drivers want to pay for their
own behavior and not for the risk of bad
drivers on the road. In addition, Thailand
is a very digitally focused country with
over 70% online transactions via smartphones,
yet only 3% of the population
conducts online insurance transactions.
That's why Miso Solutions has taken the
opportunity to offer the only totally digital
insurance platform where prices are
based on an individual's behavior.
Initially, Miso is partnering with Chubb
Samaggi Insurance PCL as its motor insurance
partner in Thailand to introduce
the Miso platform that includes the exclusive
Miso "Qualify to Buy" (QTB) process
for profiling suitable customers and
generating new business sales of Chubb
Samaggi Insurance's motor product. The
Miso app is now available for download
via the Google Play Store and from the
Apple App Store in early December this
year.
Okur further explained that to be rated
for an insurance offer, the customer
simply needs to download the Miso app
and drive for Miso to assess driving behavior.
Based on the concept of "Pay
How You Drive", the Miso app provides
customers a "Qualify to Buy" (QTB)
process, i.e. 15 trips or 150 kilometers
(whichever threshold is reached first),
to measure driving behavior; leveraging
gamification, driving challenges,
and tips for improved driving along the
journey. The Miso app tracks driving indicators
including accelerating, braking,
speeding, cornering, and phone usage.
The app tracks the driving distance and
time and classifies drivers in a star rating
system from one to six stars (six being
the gold standard) at the end of the
QTB process.
The driving scores/ratings are assessed
real-time by Miso who then offer
a personalized insurance proposition
from Chubb Samaggi Insurance with discounts
that are given at the beginning of
the motor annual premium depending on
the star rating of the QTB process. Savings
could be up to 50% from the total
premium for the best drivers. The entire
consumer experience is facilitated solely
on the Miso app users' mobile phone
- delivering a truly personalized digital
solution.
As Thailand has Asia's highest rate of
road fatalities per capita, the Miso platform
is expected to build positive driving
behaviors which will ultimately contribute
to Thailand's well-being by decreasing
the country's road accident and fatality
rates.
"We want better drivers and we want
safer drivers. That's a huge factor for
launching Miso: to help people drive
more safely by learning how to improve
their driving behavior".
Miso plans to expand its platform and
product offerings including a white label
version in 2022 with line of sight towards
strategic international expansion into
other Asian countries.

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WHAT IS THE DIFFERENCE
BETWEEN AN O VISA AND
AN OA VISA IN THAILAND
There are two ways to start off the
procedure to get retirement visa or as it
is correctly called, an extension of stay
for retirement and this requires you to
have one of two types of visas, a Non
immigrant O visa or a Non immigrant
OA visa.
But why are there two types
of visas and what is the difference?
An OA visa is actually the closest to
an actual retirement visa as it is only given
to someone who intends to retire in
Thailand. This visa can only be obtained
outside the country.
An non immigrant O visa can be issued
for many reasons including retirement,
marriage, accompanying a retired
or working spouse or volunteering. It is
also possible to change a tourist visa
or visa exempt entry stamp into a non
o visa and some immigration offices in
Thailand.
Both types of visa are issued
outside the country for a single
entry of 90 days.
You should apply at your nearest immigration
office to extend your visa for
one year when your visa has less than
60 days before expiry. Don’t leave it to
the last minute in case you need additional
paperwork or the requirements
change. Aim to apply to extend your visa
no later than 30 days before it expires.
Before you can extend your visa,
you will need to open a Thai bank account
so that you can show a balance
or monthly income. Click here to read
our guide on opening a bank account in
Thailand.
What is needed to
extend a non
immigrant
O visa
country to a bank account in Thailand or
800,000 THB deposited in a Thai bank
account for at least 60 days if this is
your first extension. For subsequent extensions,
the money needs to be in the
bank for at least 90 days.
2 x passport photos
A completed 7 form
1900 THB application fee
If you are not sure if you meet the
financial requirements to extend your
visa, please contact Key Visa for advice.
What is needed to extend a non
immigrant OA visa in Thailand?
The requirements for extending a
non OA visa in Thailand are slightly different
and more complex than extending
a non O visa.
A monthly pension income of at
least 65,000 baht per month transferred
from your home country to a
bank account in Thailand or 800,000
THB deposited in a Thai bank account
for at least 60 days if this is your first
extension. For subsequent extensions,
the money needs to be in the bank for
at least 90 days.
A letter of verification issued from
the country of his or her nationality or
residence stating that the applicant has
no criminal record.
A medical certificate issued from
the country where the application is
submitted, showing no prohibitive diseases
as indicated in the Ministerial
Regulation No.14 (B.E. 2535).
Health insurance, not less than
40,000 baht coverage for outpatient
and 400,000 baht for inpatient medical
fees.
2 x passport photos
A completed 7 form
1900 THB application fee
based
on
retirement
in
Thailand?
If you are not sure whether you
meet the financial or other requirements
to extend your non immigrant
OA visa then please contact
Key Visa for advice.
A monthly
pension income
of at least
65,000 baht per
month transferred
from your home
081-004 5397
Office: 038-422-131
Fax: 038-412-277
E-mail: info@keyvisathailand.com
www.keyvisathailand.com

AROUND THE ASIAN REGION
MANILA BECOMES
HOME TO THE WORLD'S
LARGEST IKEA STORE
VIETNAM’S STOCK
MARKET HITS AN ALL
TIME HIGH AFTER
BUMPER RUN
Vietnam's stock market index,
the VNI, stormed up to record
highs and breached the closely
watched 1,500 points milestone
for the first time ever.
The rise comes on the back
of a bumper year for stocks, with
the index rising 35.5 per cent,
outpacing markets in Asia and
even beating benchmarks like
the US S&P500 and the UK’s
FTSE 100.
An analyst at VNDirect Securities
was quoted as saying,
"In June, given the Covid-19 situation,
the rosiest scenario we
could think of is a year-on-year
gain of 30% for the VN Index in
2021, targeting 1,500 level by
year end.”
Retail investors helped to
push the index to record highs,
with approximately 1.1 million
new stock trading accounts being
opened so far in 2021.
An analyst with PetroVietnam
Securities Inc was quoted
as saying, "Due to the impacts
of the Covid-19 pandemic, the
economy's capability to absorb
investment funds has declined
significantly, and therefore investors
have chosen to put their
money in the stock markets,"
adding,
"Investors will wait until at
least the pandemic to be under
control to withdraw funds from
the stock markets for their other
investment options."
The world’s largest IKEA store
has just been newly opened in
the Philippines capital, Manila.
Presiding over the opening
event of the 730,000 square
foot facility were the Philippine
Foreign Minister Teodoro Locsin,
and Trade Secretary Ramon
Lopez.
The facility includes a
two-storey store, a showroom,
a warehouse, an ecommerce
complex, a dining space, and a
call center.
The new store is one of 60
new outlets that IKEA is planning
to open worldwide in the current
financial year.
The Manila store was originally
expected to open last year
but faced delays due to Covid.
Even now, Covid-19 measures
are still being observed with
customers required to ensure
they adhere to social distancing
protocols and wear masks until
rules are relaxed.
Store manager, Georg
Platzer, was quoted as saying, "It
was always a plan to come to the
Philippines," adding, "It's a very
good growing economy, growing
middle class and domestic environment
that's good for us as a
home furnishing retailer. I think
it's about time to open it, finally."
HONG KONG’S CATHAY PACIFIC TO REDUCE
INBOUND PASSENGER FLIGHTS
Cathay Pacific is to start cutting
back on both short and long
haul passenger flights to Hong
Kong during December and over
the New Year holiday period.
The reasons behind the cutbacks
are not only lower passenger
demand, but also staff shortages
and operating restrictions.
Outbound flights will remain
as normal with around 620 passenger
flights expected to take
off during December.
The difference between the
numbers of incoming and outgoing
flights will be made by converting
about a third of incoming
passenger flights to be mostly
cargo arrivals.
This will help to alleviate
the problems of “closed loop
operations” where aircrews on
less-than-glamorous 3 week
shifts need to remain in their
hotel rooms between flights
and also quarantine for 14 days
every time they return to Hong
Kong.
A company spokeswoman
was quoted as saying, "Operational
and travel restrictions
that remain in place continue to
constrain our ability to operate
flights," adding, "We are consolidating
our passenger flight
schedules for December 2021,
including cancelling a number of
flights to Hong Kong."

BECOMING MORE
VISIBLE ON GOOGLE
There are over 3.5 billion Google
Searches everyday, are you doing
everything you can to maximise
your exposure on Google?
There are three main factors in
increasing your visibility on Google
and other major search engines.
#1 - Improving your onsite SEO
If you use the Wordpress CMS for
your website (and if you’re not, you
should be) it’s easy to improve your
onsite SEO by installing an SEO plugin
such as Yoast or All In One SEO. From
here, you can update your page titles
and meta descriptions which are the
information which is visible in a Google
search result.
need to keep repeating these phrases
throughout your page.
Add images to your page to make
it more attractive, but before uploading
them to your website use a website such
as tinyjpg.com to reduce the size of your
images. Also changing the file name to
something related to the image instead
of just image1.jpg will have a positive
effect on your SEO efforts.
You should also add alt text to your images
as Google can’t read images and
adding alt text will enable the Google
Bots to understand what your images
are about. You can add alt text to your
images directly in the Wordpress Media
Library as shown in the image
below:
The page title appears above your
url in the Google search results and
should be a concise and accurate description
of what your page is about.
Don’t just use the word ‘Home’ for
your home page or even your company
name unless your company is well
known. It’s also beneficial if you can
include words which people may use
to search for your page as close to the
front of the page title as possible. Ideally,
the page title should be no more than
60 characters in length.
Next is your meta description, the
paragraph shown below your url in the
search results. This should be a short
paragraph which describes your services
and include a unique selling point
or call to action if possible.
#2 The content on your web
pages
The content on your web pages
should clearly and concisely explain
what you do and be laid out in a way
which is understandable to both users
and to Google.
Every page should have a H1 and
you should also make sure that it only
has one H1.
The H1 is the most important header
on the page, this is followed by H2
and H3, you can think of them as sub
headings and just like an essay, you can
have multiple sub headings.
You can install a Google Chrome
extension (if you’re not using Google
Chrome, you should be) to check if
your content has correctly implemented
header tags. Simply do a search for
‘SEO Quake Chrome Extension’, click
on the link and install. Once you have
installed the extension, you can simply
click on it, select diagnosis and diagnose
your web page - the results should
look something like this.
Make sure that you mention the
main topic of your page within the H1
header and again within the first 100
words of your content but there is no
#3 Outreach & Relationship
Building
The final element which we
are going to discuss is outreach
& relationship building. In order
to help Google Bots discover your
website, other sites around the
web need to link to it.
When you first launch a website,
It’s important to identify relationships
which you may already
have and see if there is a possibility
to turn this into an online relationship
- eg a reason for them
to link to your website.
Please note that you should
only encourage links from very
relevant websites in your niche,
so customers and suppliers are a
great place to start.
These days it is important not
to just randomly place a link on
your website, you need to think of
a more creative strategy such as
a recommended companies section
on your website or product
reviews which include a relevant
link.
If you need help with making
your website more visible on Google
or any of the specific techniques
mentioned above then you
can send an email to gemma@
gemmapurnell.com
Gemma Purnell
+66 33 039 399
gemmapurnell.com
gemma@gemmapurnell.com

UNDERSTANDING THE STOCK MARKETS
- SHARE PRICES, STOCK SPLITS AND INDEXES
When you trade stocks you will likely
be focused on the stock price. If you have
bought with the expectation of appreciation
you will be hoping that the stock price
will rise.
Of course, as we outlined in a previous
article, the stock price itself
is rather arbitrary. It
is arrived at by dividing a company’s total
value into an unspecified number of
shares, (usually millions or billions) and by
doing so, creating manageable amounts
per share for traders, which becomes the
individual share price or stock price.
The number of shares is arbitrarily
chosen and will differ for each company.
The main thing to remember is
that if you multiply all of a given company’s
shares in existence by their
current stock price you will arrive at
the market capitalization, or total
value of the company. And it is this
valuation that should be the ultimate
metric when investing to determine if
a company is overvalued or not.
The question that many market participants
ask is how does a company
choose how many shares it will have
in circulation, especially since there is
no fixed number that covers all companies.
The answer is quite simple. Each
market has a different benchmark
about what a manageable amount is
per share for a stock investor.
In the USA for example, investors
like to see stocks prices in the US$30
to US$300 dollar range. Too cheap and
the stocks look speculative or
even an indicator of a
company not doing so
well; too expensive and they make investors
consider if they are over-priced.
Companies that newly float on the
stock market in the U.S. like to price their
shares in this range, often at between
US$30 and US$100 per share. Then they
calculate how many shares would need to
be in circulation to achieve that optimal
price.
In the UK shares are priced differently.
The accepted norm is in the price range of
£1 to £10 per share. British investors are
used to buying shares in those price ranges.
That is not to say that shares don’t
reach £30 or £100 or more, but it is rare.
In Thailand shares are priced between
10 baht and 300 baht, with the 20 baht to
100 baht price range being most common.
Companies keep a look at share prices
to make sure they are in range for a given
market. When share prices rise to higher
levels they may elect to do a stock split.
For example when Apple shares in the
U.S. hit $400 the company announced a
4 to 1 stock split which meant that any
holder of a share at $400 would now hold
4 shares priced at $100 each. The share
price came back into range, but the number
of shares in circulation grew four fold.
No one lost out, but the shares were considered
more optimally priced. In fact after
a stock split, there can be share price rises
just because shares seem cheaper, but

a 10:1 reverse stock split. They swapped
10 shares at $10 for a single share at
$100. This made GE shares look more
attractive since such a low stock price
looked like a failure of sorts.
As well, Major U.S. stock indexes such
as the Dow Jones Industrial average, the
Nasdaq and the S&P 500 often require
stock prices to be in a certain range when
considering a company’s new or continued
inclusion in an index.
GE shares at $100 each (even though
the company had not grown in value),
made it more attractive in terms of inclusion
in indexes.
Indexes are important not only in providing
an overall (average) measure of
the stock market’s performance, but also
in gaining demand for shares from hedge
funds, pension funds and other private
fund managers.
Funds that manage billions of dollars
on behalf of individuals often track the
index by buying the stocks that are included
in it. Pension fund “trackers” do
this virtually automatically, trusting the
indexes to include stocks that are representative
of the broader economy or of
the sector they represent.
in reality it should be a zero sum game.
There are exceptions such as Amazon
in the U.S., which has a share price of
US$3,500 and has so far not announced
a stock split, but these are typically outliers.
Things can happen in the opposite way
also. Another example is General Electric
(GE). Their shares dropped to quite low
levels due to arguably poor performance.
Shares that traded at $40-$50 fell to just
$5 or $6 before rising slightly. When the
share price rose to $10, GE decided to do
Whilst share prices are difficult to
gauge at face value it is worth being
aware of the typical price ranges for
shares in each country.

JUST THE STATISTICS
European countries, namely
Germany and Italy, coming
in with 47.8 years and
46.5 years respectively.
Higher median ages
are not necessarily all bad
news. For one thing they
show that people are living
longer, and potentially
healthier lives. Yet, it
does affect the economy
and workforce participation
rates and is a concern to
economists going forward.
per cent in chronological
order.
Against the U.S. unemployment
rate of 4.6 per
cent, this may seem very
low, however prior to the
pandemic
THAILAND’S
UNEMPLOY-
MENT RATE
STILL LOW
BUT RISING
While bar charts, line
graphs and simple numbers
are hardly capable of
providing the defining answer
to many economic,
social and political questions,
they are certainly a
good way of obtaining a
general overview of any
particular subject.
Each month the Business
Supplement will look
into a brace of statistical
information and provide
readers with what we consider
to be the central elements
of these figures.
MEDIAN AGE
IN THAILAND
The median age of the
population of Thailand is
certainly on the rise, meaning
that the population is
by and large getting older
and that demographics are
shifting to a more elderly
population.
Thailand ranks 60th in
the world for the highest
median age against data
from 230 countries. As of
the latest data in 2020, the
Median age in Thailand
was 39 years, up from 37.7
years in 2018.
Median female age in
2020 stood at 40.1 years
against a median male age
of 37.8 years.
Looking back over 5
year periods, median age
has been rising relentlessly.
In 2010 median age
in Thailand stood at 35.5
years. Five years earlier it
was 32.8 years and in 2000
just 30.2 years.
Yet rising median ages
have not just been a feature
of the current generation.
Go back to 1990 and
the median age in Thailand
was 24.3, and in 1980 only
19.7 years.
In the South East Asia
region, in 2020, Laos,
Cambodia and the Philippines
had the lowest median
ages of 24.4 years, 25.6
years and 25.7 years respectively.
Only Singapore
had a higher median age
than Thailand in the latest
data, which stood at 42.2
years.
Worldwide, the countries
with the highest median
ages were Monaco in
top position at 55.4 years,
Japan in second place at
48.6 years and St. Pierre
and Miquelon in third position
at 48.5 years. In fourth
and fifth place were two
Thailand has quite an
enviable unemployment
rate compared to major industrialized
nations such
as the U.S. and countries
in Europe.
As of July 2021, the unemployment
rate in Thailand
stood at 1.89 per cent,
down from 1.96 per cent
the previous quarter. For
the 3 quarters prior, unemployment
rates hit 1.95 per
cent, 1.9 per cent and 1.86
Thailand enjoyed unemployment
rates of below 1
per cent, namely 0.98 per
cent in January 2020 and
0.92 per cent in January
2019.
Twenty years ago things
were different with unemployment
rates in Thailand
close to 6 per cent following
the Asian Economic crisis,
but steadily fell to todays
levels.

Trattoria Pizzeria
Fresh
From
Our
Farm
Experience the authentic taste of Tuscany,
right in the heart of Pattaya
Enjoy succulent lamb, tasty grilled chicken, mouthwatering veal and many more
delicious options, all made with top grade meat from Luca’s own organic farm
Sample great Italian wines - with special promotions
Reservations:
081-861-3446
Beach Road, Pattaya, after Soi 6/1
* FREE PARKING
tirreno@ptty2.loxinfo.co.th
: Trattoria Pizzeria Toscana

Charoen Pokphand Foods
PCL. (CP Foods) launched
"MEAT ZERO", Thailand's
bestselling plant-based brand,
in Singapore and Hong Kong.
This is the first time it is officially
available in international markets.
CP Foods' CEO Prasit Boondoungprasert
says the company
sees opportunity in meatless
meals, with the number of
vegans, vegetarians and flexitarians
altogether constituting
about 29% of the global population.
Meanwhile, Vegans and
flexitarians are accounted for
around 40% of Hong Kong population.
However, while there
are already meatless options
in the market, most of them are
pricey and lack of variety.
The brand* aims to become
no.1 plant-based brand in Asia
within 3 years. CP Foods also
plans to export the plant-based
products to North America, Europe
and other markets later on.
""MEAT ZERO's affordable
price point will make this lifestyle
more accessible to those
who are looking to adopt a sustainable
diet. The incredible
taste will also convert sceptics."
says Mr Prasit.
CP Foods Food Research and
Development Centre. MEAT
ZERO partnered with Fuji Oil
CP FOODS
LAUNCHES
"MEAT ZERO"
OVERSEAS FOR THE FIRST TIME
It took more than three years
to produce the plant-based
meat products and 2,000 experiments
helmed by hundreds of
researchers and teams from
from Japan, a world-class
plant-based products company,
as well as experts from the U.S
and Taiwan to develop PLANT-
TEC innovation.
The innovation makes the
nutritious brand is as tasty as
real meat and consumers are
barely able to tell if they are eating
plants or real meats, and it
contains health nutrition from
high fiber plant-based protein,
which is good for intestine and
bowel, and low cholesterol.
The brand enjoys success
at its home country. Over 4 million
packs were sold in Thailand
since launched in May this
year. It also won BEST PLANT-
BASED BRANDING from Root
The Future Plant-Based Food
Awards 2021.
In Singapore, CP Foods'
MEAT ZERO is available at
Cold Storage, NTUC FairPrice,
FairPrice Online, RedMart, Amazon,
Caltex, SPC and Sinopac
Petrol Kiosks. In Hong Kong,
it is available at WELLCOME
Stores, AEON Stores (Hong
Kong), YATA Department Store,
ABOUTHAI Stores, FRESH
Stores, PANDAMART, and HK-
TVMALL now.
READY
TO MOVE IN
LUXURY LIVING AT
AFFORDABLE PRICES
www.villaasiatic.com
Contact Info
Tel: 090-226-4287 (EN)
063-382-1881 (TH)
info@villaasiatic.com
Facebook: VILLA ASIATIC
by Fed Property Co.Ltd
Railway Bypass, Moo 7, Nongplalai,
Banglamung, Chonburi 20150

MAJORITY OF APAC AND
THAI RETAILERS TARGETING
EXPANSION IN 2022
Retail leasing activity in
Asia Pacific markets is expected
to pick up next year
amid solid expansion demand
from retailers while there are
positive movements from Thai
retailers on store rollout and
expansion strategies in 2022.
Jariya Thumtrongkitkul,
Head of Retail, Advisory &
Transaction Services, CBRE
Thailand commented that
"Many leading developers and
brands in Thailand are now
focusing on customer experience
and interaction than before.
Experiential retail plays
significant part for both developers
and occupiers when creating
physical or hybrid projects.
The future of mall and
store formats will be changed
to accommodate the change
of consumer behaviour. CBRE
has also witnessed positive
movements from retailers in
their expansion strategies in
2022. However, the expansion
will still be based on cautious
measures such as location, financial
parameters and brand
expansion strategies following
the result of country' reopening
policy in November. "
According to a CBRE survey
of more than 150 retailers
across industries in the
region, a majority (65%) want
to expand their physical store
network, with demand most
pronounced in China and India,
where more than 90% are
eyeing more stores.
Prime locations in city centre
shopping malls and high
streets will remain keenly
sought-after, as retailers pursue
a flight to quality against
the backdrop of stabilising
rents and scarcity of available
space in these locations.
Retailers' expansion will
also be largely domestic as
new
Retailers' expansion will
also be largely domestic
as new COVID-19 infection
waves continue to constrain
international business travel
and the site inspections necessary
for cross-border expansion.
Restrictions to contain
the infection waves
have caused retailers to push
back their expectations of a
sales recovery by 6-12 more
months. Currently, just 10% of
CBRE's survey respondents
report sales volumes back at
pre-pandemic levels.
Nevertheless, retailers
remain optimistic for a turnaround
in 2022 as travel is
expected to gradually resume.
Nearly 75% of retailers surveyed
expect sales performance
to improve either moderately
or significantly from
2021. In preparation for this
next growth cycle, many retailers
are taking the opportunity
to secure favourable lease
terms.
"The retail leasing market
continues to favour tenants,
retailers that act quickly can
renegotiate and secure better
locations or rental rates. At the
same time, they can also incorporate
more flexibility and
protection into new leases,"
added Ms. Jariya.
Retailers are divided about
the long-term prospects for the
physical store, with-one- seeing
decreased demand and
the same percentage seeing
continued demand. Brick-andmortar
establishments going
forward will play a greater role
in last-mile delivery networks
in tandem with e-commerce
adoption, with approximately
70% seeing click-and-collect
service becoming a regular offering
and more online orders
fulfilled and delivered from
physical stores.

SUDOKU
These Sudoku puzzles are pitched at a middle level: not too easy, and not too
frustratingly hard, for the average person.
3 9
7
6
3
7 6
9 4
1 5
4
9
4 6
3 7
4 9
6 7
3
2
3 2
5
4 5
1
2 6
4 7
8 3
9
5
1
6 2
4
3 7 1
9 2
8
2
4
9
8
3 4
5 2
2
1 6
6
3
3 2
6 7
7 4
7 6 8
5 9 1
2 3 4
8 1 2
6 7 3
9 4 5
3 8 9
1 5 6
4 2 7
7 3 6
9 8 4
2 5 1
3 6 2
5 1 7
8 4 9
1 7 5
6 9 8
4 2 3
4 1 3
7 2 8
5 6 9
9 4 5
2 8 1
6 3 7
1 7 4
8 9 2
3 5 6
9 2 5
1 7 6
3 8 4
8 5 1
2 4 9
7 6 3
6 3 2
4 1 7
5 9 8
5 9 2
3 4 6
1 7 8
7 6 3
9 5 4
2 8 1
6 2 5
4 3 7
8 1 9
1 4 8
5 3 2
6 7 9
4 9 7
8 6 3
2 5 1
9 8 4
3 2 5
7 1 6
We will publish the solutions in next month’s issue.
Last months sudoku answers
ACROSS
1/ Musician (9)
5/ Polo sticks (7)
8/ Seed (3)
9/ Demolish (7)
12/ Responses (7)
CROSSWORD
DOWN
1/ Third sign of the Zodiac (6)
2/ Cover (5)
3/ Rodent (3)
4/ Dullness (6)
6/ Strong tree (3)
7/ Mariners (7)
10/ Express Mail Service (init) (3)
11/ First name US baseball
player Cobb (3)
1 2 3 4
5 6
7
TRIVIA Quiz
1. In which country would you find Mount Sinai?
2. How many countries and principalities share a border with France.
3. Which sign of the zodiac would you be if your birthday was on
the 18th October?
4. Which European country had three kings named Leopold who
reigned for the majority of the years between 1831 and 1951?
5. Of what is semiotics the study?
6. In a standard UK Monopoly game, the green set consists of
Bond Street, Regent Street and which other?
7. Which birthstone is associated with the month of May?
8. Which country has the internet domain extension .hu?
9. What does UNESCO stand for?
8
9
10. Which measurement of speed is equivalent to one nautical mile
per hour?
9
10 11
Nations Educational, Scientific and Cultural Organisation 10. Knot
3. Libra 4. Belgium 5. Signs and symbols 6. Oxford Street 7. Emerald 8. Hungary 9. United
1. Egypt 2. 8 (Belgium, Luxembourg, Germany, Switzerland, Italy, Monaco, Andorra and Spain)
Answers:
12
CROSSWORD ANSWERS
ACROSS 1/ Guitarist 5/ Mallets 8/ Nut 9/ Destroy 12/ Answers
DOWN 1/ Gemini 2/ Intel 3/ Rat 4/ Tedium 6/ Elm 7/ Sailors 10 EMS 11 tye
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*The Pattaya & Bangkok Business Supplements are published by High Tower Co., Ltd.

BAFS DEBUTS ITS EV HYDRANT DISPENSER IN
A FIRST FOR THAILAND AND SOUTHEAST ASIA
Bangkok Aviation Fuel Services
(BAFS) recently unveiled a 100%
electrically powered aviation refueling
vehicle, or EV Hydrant Dispenser - the
first in Thailand and Southeast Asia. It
can reach a maximum distance of 170
kilometers and refuels an average of
eight flights on a single full charge,
providing a 90% reduction in greenhouse
gas emissions compared to
diesel-powered refueling trucks.
M.L. Nathasit Diskul, President
of Bangkok Aviation Fuel Services
(BAFS), a leading aircraft refueling
service provider in Southeast Asia,
along with teams of executives and
employees of Airports of Thailand
Public Company Limited and Thai
Air Asia Company Limited, joined together
to launch an electric refueling
vehicle (BEV: Battery Electric Vehicle)
in which BAFS provided the refueling
service for Air Asia flight FD3029
traveling from Don Mueang-Phuket
at Don Mueang International Airport
in mid-November. Additionally, this
marks the inaugural flight using electric
vehicles in the aviation service
business in Thailand and Southeast
Asia.
The battery electric vehicle (BEV)
in the hydrant dispenser is produced
by Spain's ITURRI, the world's leading
manufacturer of aircraft refueling vehicles,
in collaboration with BAFS Intech
Co., Ltd., a design and assembly aviation
refueling vehicles and aviation
ground service equipment provider
in Thailand and a subsidiary of BAFS
Group. The electric refueling vehicle
uses 100% electric power, generating
zero emissions from the engine.
It can reach a maximum distance of
170 kilometers and provides an average
of eight refueling flights on a single
full charge, reducing greenhouse
gas emissions by 90% compared to
diesel-powered refueling trucks.
"With over 30-years of expertise
in the aviation refueling service and
management business meeting internationally
recognized procedures
and standards in the energy business,
BAFS is committed to operating
in accordance with sustainability
guidelines by developing and deploying
advanced technologies that increase
the capability of aviation fuel
services. The company also strives
to take the country's competitiveness
to the next level and create a
better quality of life for society while
reducing environmental impacts.
Last year, BAFS began servicing an
electric refueling vehicle or a fully
electric-powered cart at Don Mueang
Airport, which also received positive
feedback. This time, BAFS recently
made history by refueling aircraft
using a new electric refueling vehicle
that will help drive its business operation
towards a target of net zero carbon
dioxide emissions, in response to
BAFS Group's mission to 'Uplift and
Power the World to New Heights,'"
concluded M.L. Nathasit.
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• POTENTIAL CUSTOMERS
DON’T JUST LOOK –
THEY ENGAGE!
Studies have proven that LED signage makes an impression
on people. Just like this part of the world, a
study revealed that 70% of Americans who recall seeing
a digital video display in the past month, 47 percent
specifically recall seeing an ad. That’s nearly half!
And of those travelers who remember spotting a digital
billboard, 82 percent recall that it was displaying
an ad.
• LED BILLBOARD V
STATIC BILLBOARD
To establish the difference between LED Billboards and
Static Billboards one study used anonymous video analytics
to log the number of people who noticed both
static and digital signs at a number of locations. The
number of “impressions” (that is, people paying attention)
logged by the static sign peaked on its first day
in place. After that, they dropped off and remained low
for the remaining weeks of the study. But the digital
signs received consistently high numbers of impressions
throughout the study—receiving almost as many
every day as the static sign received the first day.