Mae Hong Son beauty product wins OTOP National award
Phu Klon developers from Mae Hong Son are presented
the National Excellence in OTOP Products National award by Prime Minister
“Phu Klon” means a source of mud and natural mineral springs and the therapeutic
black mud of this area in Mae Hong Son has won national awards for its clean,
mineral rich mud that is beneficial to both the skin and circulation.
“Phu Klon” products won a National Excellence OTOP Products Award in Arts and
Crafts - OTOP Fair 2012 that was held by Community Development Department,
Ministry of Interior as part of Her Majesty Queen Sirikit’s interest in
developing local products. The award was given by Prime Minister Yingluck
“Phu Klon” mud is one of the highlighted products of Mae Hong Son and comes from
a small town set in a valley rich in valuable natural resources, beautiful
eco-tourism along with invaluable traditions and culture and natural mud, one of
only three in the world; that of the Dead Sea lake and Volcanic lava mud in
Romania which are rich in minerals that are useful for health and human skin.
Wacharapong Klinpraneet, a Mae Hong Son business man said that Phu Klon was
first discovered by French and Thai researchers and geological professionals in
1995. The Community Development Department Mae Hong Son Office sent the product
to compete at the OTOP National level after it won in provincial level. Phu Klon
is constantly researching new innovations to improve product quality. Currently,
“Phu Klon” products include mud facial and body masks, cleansing soaps and
shower creams, and skin care products from natural minerals. The products are
available nationwide, as part of the brand development and packaging of “Phu
Klon”, the logo used by the Mae Hong Son cultural theme.
Four Expat Investment or Financial Planning Considerations
By Don Freeman
Last week we discussed four of the 8 Expat investment
considerations; exchange rate or remittance planning, inflation planning,
emergency planning, and tax planning. The following are some of the other
key areas you will need to have a plan for and likely consult with
knowledgeable experts about:
· Education Planning. If you have children, you will not only need to have a
plan for how to pay for their university education, you will also need to
have a plan for how to pay for their international school fees up until they
are ready for university. If your employer is currently footing the bill for
most international school fees, consider yourself lucky, but you better have
a backup plan in the event you don’t always have an employer willing to do
so in the future.
· Health Care Planning. The older you get, the harder and more expensive it
will be to get good expat health insurance coverage while your home
country’s retirement health care scheme will likely not cover you while
abroad - meaning you may need to plan on returning home after a certain age
or if your health deteriorates to a certain level.
· Retirement Planning. If you are an expat working abroad, you might be
paying into your adopted country’s government sponsored retirement program
and still be eligible for a pension back home if there is an appropriate tax
treaty. If not, you will need to plan on saving and investing a considerable
amount of extra money for retirement.
· Estate Planning. No-one likes to talk about the inevitable but planning
for the inevitable becomes much more complicated if you have assets or
family members who need to be provided for both in your adopted country and
back home. If your financial and family situation is complicated, you better
find a lawyer or lawyers who are experts in estate planning back home and
where ever you currently reside. At the very least, make sure you have a
written will and appropriate power of attorney documents kept in a safe
Don Freeman is president of Freeman Capital Management, a Registered
Investment Advisor with the US Securities Exchange Commission (SEC), based
in Phuket, Thailand with over 15 years experience and provides personal
financial planning and wealth management to expatriates. Specializing in UK
and US pension transfers. 089-970-5795 [email protected]
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