BaanOz

1 hour ago, moontang said:

That's my dad's Comcast bill (tv, internet).  Putting wife's name on deed would be a transfer of ownership, and that would be up to the mortgager, not the mortgagee.  Also, she would likely be taking on a liability and not an asset.  There is recourse in LOS for mortgage defaults, meaning simp!y giving up the house usually doesn't end your liability.  Financially irresponsible family would be near term top of the list for reasons to not marry a Thai, but hey, they have nice skin.

Thanks Moontang, yep true except about liability. Land fully owned, house build wasn't overprice and currently about 60-70% equity. Values have dropped but doubt more than the loan is worth.

They had been paying more than the minimum payment so that gives a brownie point.

3 hours ago, sanuk711 said:

Or ---you could just help her parents out,  just for a few more months once the hold on repayments stops...... I take it the mortgage payment isn't that high.

 

Does there have to be strings attached to helping them ?........................................

Long story over 25+ years and really need strings unfortunately.

3 hours ago, Banana7 said:

How much are the monthly mortgage payments?

 

6800B

Thanks ezzra and Peter.

Something seems a odd, I see back in April there was news about the Government Savings Bank suspending principal and interest payments for 6 months. Do you know if this something variable between their bank branches or customers? Also, mentions "they can enter a two-year loan suspension measure".
https://www.pattayamail.com/business/thai-government-bank-offers-assistance-to-loan-customers-affected-by-covid-19-296739
 

1 hour ago, Peterw42 said:

better spent servicing the existing mortgage.

Yes if it comes to that, my wife wants to deposit (use Transferwise) into the home loan directly and (from sister) apparently this is not possible. It needs to be deposited into their account first ????

When did your wife find this out about the 3 month extension? Relos said yesterday suspension is over end of this month.

Wife will telephone the GSB branch tomorrow and see if they will answer some questions from a non customer.

Cheers.

Wife's family are in Phuket and we don't want to see them lose the home.

They have been given a 3 month hold on repayments with the Government Savings Bank which will finish soon. It may be extended, no idea but I assume many people are in the same position.

Their business is closed and not expected to reopen any time soon and they have no income at all.

We can help but before helping my wife wants her name as part owner of the home.

Home and land is currently in her sisters name and we prefer to continue to pay loan repayment, not pay the home off outright (but an option).

I don't think this would be an easy task with us out of the country but would any one know the steps to take and costs to do this please?
 

On 12/30/2019 at 2:29 PM, ThaivisaSales said:

• Visa application form, completely filled out
• Passport or travel document with at least 18 months of validity remaining
• Recent passport-sized photograph (3.5 x 4.5 cm), taken within the past 6 months
• Evidence of adequate finances (as stated above)
• Proof that you have retired

Never seen the last one before. How do you prove your retired?

13 hours ago, userabcd said:

Thats if you can get past the myriad of popups, running processes slowing the TV page loading,

Trusty stopwatch says ~30sec load time vs ~5sec load time with accessory.

600% increase in wait time without accessory.

Not much to add but Mrs Baan and I like to walk. This time in Northern Phuket and went for a few km day walk down to a wharf on the water between the mainland.

Along the way a few bunches of dogs. One lot of 4 came at us and remember clearly that feeling, a rush of adrenaline came in an instant. Weird sensation and seemed like a flash coming from centre though to extremities.

We had sticks and maybe that's why they backed off but damn scary. We carry bigger bamboo sticks now ????

Right near the wharf a huge dog came at us within a metre barking at us and it backed off. Later the owner came out smiling at us.

Haven't walked that route since and found one with dogs behind fences.



 

For those 80 and older...
https://www.superguide.com.au

Proof of life

Australian pensioners living overseas now need to provide proof they’re still alive or risk having payments cut off.

In new legislation that came into effect on 1 October, age pension, disability pension, widowers and carer support recipients aged 80 and older who live abroad must now submit a proof-of-life certificate within 13 weeks of their pension due date to avoid having payments suspended.

The federal government expects to net $129 million over a four-year period by cancelling almost 6000 cases of pension payments being paid to people who have died.

Social Services Minister Anne Ruston says there is no suspicion of widespread fraud being committed but many family members are unaware they need to inform the government when a pensioner passes away.

Proof-of-life certificates can be downloaded at https://www.humanservices.gov.au/.

Edit: Also, not mentioned above: you’ll have to register that you’re still alive at an Australian embassy in the country where you live. You’ll need to do this registration via a “proof-of-life certificate” every two years

On 9/2/2019 at 7:27 PM, fhickson said:

does anyone know how to say 'shut up' or 'shut your mouth' in thai, or is that not allowed here?

หุบปาก
Hubpāk

...but Mrs BO says it's not very polite ????

Anyone know if using this Mastercard in a Thai ATM would attract the 200 baht fee?
I'm thinking if converting to Thai baht, maybe not.

transferwises-debit-card-launches-in-australia-and-new-zealand-with-singapore-to-follow
Transferwise Borderless

On 8/11/2019 at 1:57 PM, kingstonkid said:

Weekend trips are going to be few and far between

Been thinking for ages to do this but what about if Mrs BaanOz and I want to travel around Thailand in an RV and sleep in it?

31 minutes ago, BaanOz said:

tolls

A good one (fastest) for me is to my sisters place via M5 and M6 $25.74 return trip.

On 7/24/2019 at 6:57 PM, totally thaied up said:

We pay AUD$3200 for rates a year in Oz. Another AUD$1200 for house insurance and AUD$400 for my car.

I think the first 2 are on the money but for my car sitting in the garage costs way more than $400. I've just paid this so fresh in my mind ????

Rego:         $372.63

CTP:          $424.36

Insurance: $669.27

Service:     $451.19

$1,917.45 total for a 2015 Golf.

That $451.19 service was from a local garage as I was sick of the crap service at VW for $200 extra. From now on the local guy gets my dollars.

Also, my insurance is fairly cheap (comparison site). Average might be about $850 for my age/no accidents/fines etc.

This doesn't include NSW licence fee ($188/5 years) or road service (don't pay) tolls or fuel or cleaning ????

1 hour ago, ubonjoe said:

The consulate website certainly is lacking info about the OX visa.

Yes!
Thanks, I read that info before heading to the Sydney Embassy.

The reason I just became interested in O-X it is because on a Thai visa FB page had someone who had received the visa at Sydney and said he kept money in an Aussie bank. Cost was A$540

On 6/22/2019 at 5:46 AM, 503726 said:

I had wondered about doing the O-X - 10 year long stay visa application instead. It already requires health insurance and $120k in a bank. Is there any guide to the type of accounts that the sum would have to be in? Is it all required to be immediately accessible. 10 years is a long time, are you aware of what checks will be required on insurance and funds during that time? Annual confirmations seem sensible but undermine the point of the visa type.

Was having a look up about this visa and can't see any requirement from the Sydney embassy about how long it needs to sit in a bank. Anyone find any info?

I wouldn't mind if it was sitting in an Australian bank but not Thai.

Sydney Embassy

Additional documents required for 5-year visa

Eligible applicants: citizens of Japan, Australia, Denmark, Finland, France, Germany, Italy, Netherland, Norway, Sweden, Switzerland, the United Kingdom, Canada, and the United States

• Evidence of adequate finances:
  • a deposit account of at least THB 3,000,000 (approximately AUD 120,000), or
  • a statement of income with an annual amount of more than THB 1,200,000 (approximately AUD 48,000), or
  • a deposit account plus monthly income with a total amount of more than THB 3,000,000 (approximately AUD120,000) per year
• Evidence of health insurance from a Thai insurance company

On 6/19/2019 at 2:37 PM, Creasy said:

In 2018 Australia the death count was 1143 for the year.

 

My God. Thailand has 7000 in 6 months .

 

Equates approx. to 1 death in 20,000 in Oz or 1 in 5,000 in Thai (considering population)

Goals for 2019:
1. never get on a motorbike

2. research list of current "safest" cars

On 5/8/2019 at 2:18 PM, RobMuir said:

As an Aussie expat, not registered for taxation purposes in Australia we don’t get the franking tax credits which is a bit of a bummer BUT we don’t pay any capital gains tax.

I think you can get both ????

As far as I know you will still get the franking credit benefit with money in an Australian super fund.

6 hours ago, Bagwain said:

Get it done via the Thai Embassy in Canberra. You get 2 yrs with the 1st one.

Wondering what you mean 1st one?

I guess to get a second one, he would need to return to Australia and stay for how long it takes to get an OA visa.

Any idea how long these visa's take to get?

Haven't found anything about the effects of the Labor Government removing franking credits relating to non-residents.

Currently non-residents pay no tax on 100% fully franked shares but if this comes in, any ideas what would happen for non-residents? I'm guessing tax would have to be paid.

49 minutes ago, CharlieH said:

the matress under it isnt quite so important.

Exactly, bought a rock solid matress (~5000B, 6 feet) and a good topper.

I've spent a lot on a full latex matress but the above combination (for my back) is the best and is way cheaper than buying a full latex.

I think a full latex would cost more than 10000B
Latex Innovations

6 hours ago, moreem said:

do you know where to buy the hardest

Yes, we bought a really hard matress plus protector for a good price here:

Shop location

I later added a latex topper, it was so hard ????

On 12/2/2018 at 4:26 PM, topt said:

That's interesting thanks but unfortunately it does not look like it stops FB from tracking you every which way they can......

There are ways to stop it. If you use Firefox, stick it in a "container".
https://addons.mozilla.org/en-GB/firefox/addon/facebook-container/?src=search

Maybe someone can setup peer-to-peer lending here (like Ratesetter in Oz) ????

Might it already exist, no idea.

Ratesetter

1 hour ago, steve73 said:

seeing the cam-car slow down without signaling right I can understand why he overtook - although not why so fast.  It was probable he was looking further ahead for oncoming traffic and not expecting someone to cut in front of him. 

With the speed of the overtaking car, even if the M/C had looked over her shoulder she may still not have been able to avoid being hit.

The cam car slowed and kept left for an opportunity to overtake the bike (on the left) incase the bike needed to stop to give way to oncoming traffic.

People saying she should look over her right shoulder, she was probably watching oncoming traffic in order to turn right. Who expects a car overtaking on the wrong side of the road to take you out.