Although still an amateur compared to most, i think Ralph has it about right. Also, just because a girl is from a bar, does not mean she will rip you off; but as she has already taken that route, she maybe more inclined to do so. Out of about 6 girls who i have known a bit in Udon (not necessarily bed partners, just have met and spent some time together), only 2 have ever asked for money/gold etc. in any way. Of the others, who never asked, 2 were off internet and 2 were bargirls. In fact, offers of no strings money have actually been declined sometimes (by a bargirl? yes!).
Yes, i am sure all were hoping for some benefit, long or short term. Get to know them first, decide if honest or not. So far cannot say i have met a totally evil one, they vary from totally honest to just a bit greedy. Still on good terms with all of them (I think). Of course, i have not loaded up the girls with gold, houses and lots of cash, so that temptation for them is not there. Just some modest meals, a little shopping, some a little gift. Act stupid, expect to be treated like an idiot. But i do find honesty goes a long way.
In Thailand, status often means money. That is why there can be a thirst for possessions. Find a woman whose ambitions do not exceed your willingness to pay!
With anything, any where, just be sensible, know the risks







I think if you are good to Thai partner and have chosen well, no problem retirement in Udon. I tend to side with the positive outlook posters on this subject. But we are all in control of our own destiny, and i don't normally make mistakes in my life,
so all should go smoothly. 
I concur with all of the above.
