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  • Profile photo of beansbeans
    Participant
    @beans
    Join Date: 2010
    Post Count: 10
    June 28, 2013 - 5:58 am

    Does that mean my snowboarding trip next year to Japan will be cheaper?

    Profile photo of beansbeans
    Participant
    @beans
    Join Date: 2010
    Post Count: 10
    November 20, 2012 - 12:07 am

    Cocaine, true story

    Profile photo of beansbeans
    Participant
    @beans
    Join Date: 2010
    Post Count: 10
    September 3, 2012 - 12:23 am

    Would I be naive in suggesting below as a very basic calculation forgetting about negative gearing, depreciation, tax etc

    Term Deposit

    $200k x 5.25% = $10 500.00 / year 

     

    Putting the $200k towards property as a 12% deposit on $1.65mil portfolio

    $1.65mil x (estimate 5% property increase) = $82 500.00 / year

    Profile photo of beansbeans
    Participant
    @beans
    Join Date: 2010
    Post Count: 10
    October 17, 2011 - 5:32 am

    I've been called the past few weeks by my bank manager at Rams saying there is a pretty good deal on at the moment with switching part or all of my loan to a fixed rate. My current P&I variable is 7.13% and the 12 month fixed is 6.3%. Will cost me $ 295.00 to switch and save me $186.75 a month

    I know nobody is a fortune teller and rates will probably come down in the next 12 months but some circumstances have lead to me looking at every dollar more closely and the certainty of the fixed repayment is a + as well

    Any thoughts?

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