Forum Replies Created
Xenia,
The intent of my idea was that, the more generous of the more expeienced members would have a specific place where they could share thier knowledge with us.
Millions,
You seem quite an expert on poo – you must have too much time on your hands (hopefully not too much poo on your hands!)!aussierogue
you have reminded me of a tale about a mate of mine. He had been to the local RSL for a few beers on a Sunday night. He deserved it, it was mid January & he had been working hard in the back yard. Needless to say it didn’t take many beers for the leg bones to turn to rubber!
Next day I picked him up for work. Had to bang hard on the door & toot the horn a few times to wake him. Two weeks later (after working away on oil rigs) we’re getting close to Paul’s place when we see what we thought was smoke coming from the house. We pulled in the drive and got out of the car. The “smoke” was flies, millions of flies and there was a terrible smell. “Oh s%¤#” says Paul, “I won a seafood platter at the RSL, I left it on the kitchen bench.”
Moral: Don’t go away for a long period of time when hungover at departure time.Regards
Patrick
The dumbest question is the one you don’t ask.
Sonja
Don’t worry about getting on a bit of a soapbox session about smokers in properties. I smoke & at one stage gave up for a while – went to a mate’s house where he & his mates that lived there (4 in total) all smoked. Holy hell!!! What a stink! Since then I’ve never smoked inside a house or hotel room. I have a “no smoking” clause in the tenancy agreement. That said, I do provide a covered area outside so a ciggie can be smoked outside even if its raining.If your paintwork is really stained, there is a primer you can get (I think it has aluminium oxide in it) that will stop stains like rust or nicotine leaching through pale paint. Its used a lot in pubs etc. For the carpets I find the dry cleaning system a bit more effective at pong removal.
Regards
Patrick
The dumbest question is the one you don’t ask.
Hi Regan,
I’m a conservative type of thinker – if it were me I would buy a PPOR (Primary Place Of Residence) first, when that is paid for I would start investing.
Other (probably most other) people who regularly visit this site will tell you I’m talking &¤#”&%¤# and tell you to invest first.
What you must do is a huge amount of research to find out what will suit you best. Search this site, there are mountains of info for beginners. When you’ve done a heap of research, do a heap more and you may get closer to an answer. This isn’t meant to discourage you (far from it) – the more understanding you have, the better choices you’ll make.Regards
Patrick
The dumbest question is the one you don’t ask.
Ali G,
Your credit card limit alters your borrowing power.
Example:
You have a disposable income of $500.00 per month.
You also have a credit card that – when maxed out – has a minimum repayment of $100.00 per month.
The bank will only loan you money based on $400.00 per month to make sure you can afford their repayments. A lender will always look for the worst case scenario.
Hope this helps.Regards
Patrick
The dumbest question is the one you don’t ask.
Kay,
Sorry, just another thought, you come across as an upstanding community pillar type (terribly proper – without being rude), why don’t you have a capital K & H?Regards
Patrick
The dumbest question is the one you don’t ask.
Originally posted by Myydral:If I don’t know the person personally, why would they impress me?
This is the sort of thing I mean. And yes I think geo is also correct in that a family member could be considered as a hero(ine). I just wondered if all athletes in Athens are heroic because they are there.
Kay,
I don’t always agree with all your comments, but I think you have hit the nail on the head (maybe its because our views seem to coincide this time?)Regards
Patrick
The dumbest question is the one you don’t ask.
Sorry, just wanted to see if this post caused another star to appear next to my name.
Anyone know where I can get a “Safe” Avatar?
Regards
Patrick
The dumbest question is the one you don’t ask.
Glug…..Glug…..Glug…..
(My condolences for the image, I find the view in the shaving somewhat alarming at the best of times!)
Regards
Patrick
The dumbest question is the one you don’t ask.
1- Smoking (not in the house)
2- Not spending enough time with the kids (How much is enough?)
Regards
Patrick
The dumbest question is the one you don’t ask.
Sheer politeness & manners!
I met the (now) wife on the back deck of a dive boat in Qld. My first day of work, I showed up early to see a girl (with huge attributes!!) appear from a hatch in the deck, she was wearing only a T-shirt. The first words she uttered to me were “What the f#¤%&@g hell are you doing here?”. I was bowled over! Charm, finess & style all in one package!
After a week on the boat I went into town and relieved girlfriend of any further duties (in a kind manner) and asked “the charmer” on a date. We have since lived in th UK for 3 years, moved to Oz to be near her family, got married & produced 2 perfect (i really mean perfect) kids. This all started 11 years ago next month.
Be warned – all of you – “the one” can appear in the most surprising/odd situations. Nobody is safe. LOLRegards
Patrick
The dumbest question is the one you don’t ask.
Hi Supa Freak
Answer:- Bulging front AND back!(lol)Seriously,
Wallet – paragraph 2
Safe – paragraph 3Judging by the time of your post you may need a “Supa Sleep!!!”
Regards
Patrick
The dumbest question is the one you don’t ask.
Tip:-
Keep details of all your financial transactions on your home computer (yes home stuff like kids clothes, groceries, dinner out etc. as well). This helps you track not only IP performance, but highlight areas of personal spending you may not be aware of or not like. Therefore save you money, which you can then invest!Regards
Patrick
The dumbest question is the one you don’t ask.
Hi
This is an idea I have been tossing around for a while, at the moment I only have 1 IP but I think it should work for multiple properties.
I assume you have separate loan accts for each IP. Each month, put a proportion of your rent(say 5%) into a savings acct (or better still an offset acct of some sort)by automatic transfer. That way you don’t have to think about it too often. Get a computer program like Quicken (or similar) and set it all up as per your bank/loan accts. That way the program mimics the actual fiscal movements. When you have a repair to pay for, take it out of the savings/offset (pay the invoice (keeping the receipt)), then not the transaction on the computer as a transfer from savings to IP”A”. This will credit the loan acct for that IP (on paper) then just make the payment from that acct(again on paper).
This way you can keep monies saved for unplanned repairs separate, removing the temptation to re-invest it (you may want to set a cap for the acct so any excess can be re-invested). Quicken allows you to print off tax reports etc, so come tax time you can take the reports & receipts to your accountant.
It may sound complex because I’m not good at describing it in print. If you’re still interested, feel free to PM me & we can talk further.Regards
Patrick
The dumbest question is the one you don’t ask.
Hi Newgen
I’m saddened to hear your tale of woe. I’m trying not to state the obvious here or cause any further upset so please bear with me.
I can offer no thing but sympathy about the wallet. I lost mine on a river boat in the UK. Well not actually “in” the boat. I may have consumed one too many ales and lost my balance! When I climbed back on to the boat my wallet was gone and it was dark. So that was that.
With the money stolen from your unit, again sympathy. Luckily not me this time, but a mate. As soon as she told me about the theft, I went out and bought 2 safes, one for her & one for us. Now I have a safe, I wonder how I was able to sleep at night without one. Not just for cash, but any easily portable valuables. I keep computer backup discs in there and the little, priceless, sentimental stuff you tend to collect.
Sorry, I still seem to have stated th obvious, but if others read this, it may mean it won’t happen to them.Regards
Patrick
The dumbest question is the one you don’t ask.
I work 91 hours a week, for two weeks and then nothing at all (not paid work, only gardening etc. at home) for two weeks.
Regards
Patrick
The dumbest question is the one you don’t ask.
More…
Top Gun
Zulu
Terminator
Sleepless in Seattle
Heartbreak Ridge…..Regards
Patrick
The dumbest question is the one you don’t ask.
Rugbyfan
As I understand, Button was on long-term loan to BAR from Williams. Yes, you’re right he has pissed off a bunch of bodies everywhere.Regards
Patrick
The dumbest question is the one you don’t ask.
Did you see the bit in today’s Herald Sun?
Webbers team mate will be Jensen Button who said he(Button) thought Webber was second only to Schu in skill! Will Mark do an Alan Jones with Williams? Hope so. Couldn’t be any better for me as a pom living in Oz.Regards
Patrick
The dumbest question is the one you don’t ask.
