Retirment visa as you say is only for 12 months and if done inside Thailand is actualy an extension to stay and not a visa. With this extension to stay based on retirment you must have 800,000 baht in the bank or show you have 65,000 baht permonth income. Every 90 days you report to immigration or if you live in the Surin as most the old farts do they report to the Chong Chom border crossing. An O visa multi based on marriage can be obtained at the Thai consulate in Savannakhet Lao. (NOT I repeat NOT Vientaine Lao). You need marriage certificat and a copy, a copy of the K2, thats the book you signed at the amphur, copy of house book ,copy of her ID, your passport and a photo. Cost is 5,000 baht. this kind of visa if you do it correct can give you 15 months but you most do a border hop every 90 days, leave the country, Cambodia charges 1000 baht for their visa at the Chong Chom border crossing. An O visa on based on marriage at Savannakhet requires no proof of any money as the extention to stay in Thailand requires you to have either 400,000 baht in the bank or 40,000 baht income per month. This same O visa based on marriage can also be gotten at the Thai embassy in KL but you need to show them 100,000 baht and they charge 5500 baht for the visa.