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  1. the_captain

    eBay Money Back Guarantee - be careful and need advice

    Hey Skater There are 2 buyer protection policies. eBay buyer protection and PayPal buyer protection The eBay buyer protection policy is decidedly unclear as to whether or not it covers items available for local pickup. This is the new one that came out in November 2014. The PayPal...
  2. the_captain

    eBay Money Back Guarantee - be careful and need advice

    Morning All, Just got of the phone with Ebay. I used their website and opted for the call me option. They pretty much called immediately. I spoke with 3 people and asked to be escalated to someone with the authority to do the following i. Resolve my case ii. Authorise immediate...
  3. the_captain

    eBay Money Back Guarantee - be careful and need advice

    Top advice Skater !!! (as usual). I am on the phone to them now. I keep asking them to escalate me to someone who has the authority to fix my issue, today, on this current call. I'm still on hold.........I suspect they will just spin me out until I've exceeded a hold time and they hang up...
  4. the_captain

    eBay Money Back Guarantee - be careful and need advice

    I very occasionally sell stuff I no longer want / need on ebay. My last activity was back in 2012 and I am back again in 2015. Boy am I Naive to the new ebay. I listed an item for local pickup only......payment by PayPal. Reason I did that was I had heard from another local buy, swap and...
  5. the_captain

    raising depost but how to pay stamp duty

    I wouldn't say it's a recipe for disaster........necessarily. The way I have done this in the past was to increase the loan amount to cover the stamp duty and pay a small deposit. For example, I have borrowed 97% of the purchase price in the past and tipped in the balance as the deposit...
  6. the_captain

    What to do, renovate where we are now, or buy closer to school

    Well what can I say Dex.....jaysus. I expect my wife will be at home, sitting alone in a dark room, staring at the walls, waiting to go and procure said offspring from the far away school.....but only after she's cooked my tea.....and done the washing :) Thanks all for your advice. Wylie...
  7. the_captain

    What to do, renovate where we are now, or buy closer to school

    There are no equally nice private schools near my property, hence the dilemma. To be clear on the commute times. The child will have 30 minutes each way, to and from school, for a total of 1 hour. Mum will need to make this trip 4 times a day, for a total of 2 hours.
  8. the_captain

    What to do, renovate where we are now, or buy closer to school

    Quick question to tap the collective wisdom of the forum. We own a fixer-upper in a fabulous part of Melbourne. We will be moving into it soon in it's un-rennovated state and we will be mortgage free, for a while. It's a great location, 7 KM's from the CBD, 450m from the train station...
  9. the_captain

    Its a mistake to follow the Chinese

    You've got to understand the Chinese mindset. In China, direct investment by your regular middle class punter is a very very new thing. China has only very recently gone through it's first and only property correction. Values have fallen in Beijing and Shanghai by as much as 30%. The...
  10. the_captain

    $200k net passive income

    I agree $200K is a good number.....here is why $80,000 = 8% interest only on a $ 1 Million mortgage - have a nice house in a desirable location $30,000 = current year 12 fee at a good private school for 1 child $40,000 = overseas travel budget. Would be enough for 2 x 3 adult business...
  11. the_captain

    Selling my PPOR in Ascot Vale

    Passed in 780 vendor bid. We will now see how it goes private sale
  12. the_captain

    Selling my PPOR in Ascot Vale

    Hey MTR A lot of the furniture was purchased and shipped over from Gao Bei Dian, which is the place to buy "antiques" in Beijing The table is an antique farmhouse table from Bendigo purchased in 2004 All of the warriors are made in Xi'an which is where the original warriors cone from...
  13. the_captain

    Selling my PPOR in Ascot Vale

    Hey Brisbane We are looking for low 8s. If we don't get this we will leave the house on the market until spring Financially we don't need to sell it, if we do it will allow us to fast track our other Reno
  14. the_captain

    Highest % off asking price you've negotiated?

    I once purchased a place $40K below bank valuation! That felt bloody good.....let me tell ya
  15. the_captain

    Selling my PPOR in Ascot Vale

    Hello Somersoftians. It's been a long long time since I have posted, I've been away working in China for 4.5 years and I am now back in Marvellous Melbourne! There is a lot happening, we've had a baby whilst we were away and as such our fabulously positioned PPOR is up for sale, as it is a...
  16. the_captain

    Singapore trip

    Little India......in Singapore.........scary...........you need to get out more..... I've found it to be a pretty friendly place, busy on sundays which is the day off, but I've never had any hassle there. In fact, I even stuck my big white WASPISH head into the Sri Masaman Temple, during...
  17. the_captain

    Advice from people who work from home

    @PennyK, you are right, I specifically remember my accountant telling me that. I also remember them telling me that the amount of years you need to keep such records is five years, but the amount of time you have up your sleeve for CGT exemption is 6 years. He is a very well respected...
  18. the_captain

    Has my email address been breached or hacked?

    That is a top idea MB. Top drawer indeed
  19. the_captain

    Has my email address been breached or hacked?

    I would advise anyone that uses gmail to set up google authenticator. Basically with google authenticator your password becomes almost impossible to break as part of it will be a random number. You need an iPhone or android app from google for it to work, but you can configure your devices to...
  20. the_captain

    eBook readers

    All of the books are stored in the amazon cloud. So if you lost the device or upgraded to a new device it would simply be a matter of logging in again on the new device with your username and password. Once you had logged in your purchases would appear in an archive folder on the kindle and you...
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