Forum Replies Created
Hi wayne,
for those fancy types of edges they often use a Router. Different router bits give you different effects. Can be used on almost all wood finishes. When I grow up I’ll buy myself a router, too.Taking the wood to your local chippy might get you the desired effect. Yust take a sample along so they can see what you are trying to achieve. Hope that helped some.
Cheers
C@34
Big C,
you want to hurt my brain don’t you! I don’t think it’s had this much excersise since I left school!BYK=?
Cheers
C@34
Thanx Steve,
more food for thought!
Cheers
C@34
So what you are saying is:
“Pardon me for jumping in, but it works for me because if I recall correctly, for your information as far as I know a while ago this topic came up and it seems to me, for what its worth, that all these acronyms are in my honest/humble opinion not a pain in the a..se at all but a lot of rolling on the floor laughing out loud and I say this straight from the heart: read the f…king manual with respect you- and BFYK you’ll soon say, (instead of what the f…k) Oh I see; in other words it works for me and you’ll be able to BS and Type without fear, uncertainty and doubt, as a matter of fact!
by the way, in any event, this was all tongue in cheeck.
Tata for now
wicket evil grinClose? there’s a couple I didn’t work out, but they’ll come to me in time.[biggrin]
Awesome effort on such short notice![party]Cheers
C@34
Hi Brent,
I have ordered the combo pack about 10 days ago. It hasn’t arrived as yet which might mean that you guys ran out of stock?! So then Would I be getting an autographed version or not?????Cheers
C@34
Hi Steven,
In normal circumstances the offset is attached to the non-deductible portion of the loan, but in this case you may want to take advantage of your employer paying 80% of the interest on your PPR debt.would it not be in my best interes to still do it the normal way and pay off all the non-deductible interest despite my employers efforts?
I can then use the equity in our PPOR to buy another IP faster? Would that not be better? I like your advice but my wharped sense of logic doesn’t get it. See then the new mortgage again is tax deductible, yes? As it is used for making more money (as in the purpose of the loan is for making more money).
Am I on the right track here?Cheers
C@34
Hi Greg,
I would love to help you but this is soooooo far over my head and I can’t say as I’ve heard any-one else talk about this that you might be a pioneer at this stage! On one hand that’s whooping great! But on the other, you’re on your own unless you can catch up with the likes of Peter Spann himself.
I want to congratulate you on paving the way for others to come and want to learn what you do, but it makes me feel like a sponge and almost unworthy to be in your presence!Naa, my ego wont let me feel that way!
I just wish I knew what you are talking about. Sorry to be this blunt. It just highlights my own ineptitude!
All the best, truely I hope you succeed! Take notes now, because this could be another income stream for you – a book. Not an original idea but it would work.
Cheers
C@34
Hi all,
here is what has been posted earlier and should just boggle your mind![wacko]Acronyms
Many of these acronyms pre-date the Web and come from the old days of bulletin boards and CompuServe.
Here’s a list of ones commonly used on CompuServe (some more commonly than others):
AAMOF – As a matter of fact
AFAICT – As far as I can tell
AFAIK – As far as I know
BRB – Be right back (during live chat)
BTW – By the way
CAM – Couldn’t agree more
D&T – Drink & type
EG – Evil grin
EMFJI – Excuse me for jumping in
FUBAR – F***ed up beyond all recognition
FUD – Fear, uncertainty and doubt
FWIW – For what it’s worth
FYI – For your information
FX – Fingers crossed
GD&R – Grinning, ducking and running
GD&WVVF – Grinning, ducking and walking very, very fast
GFETE – Grinning from ear to ear
GIGO – Garage In, Gospel Out
IAE – In any event
IANAL – I am not a lawyer (but)
IIRC – If I recall correctly
IMHO – In my humble opinion
IMO – In my opinion
IOW – In other words
ISTM – It seems to me
ITIGTTU – I think I’m going to throw up
IWFM – It works for me
LOL – Laughing out loud
NWS – Not with standing
OIC – Oh I see
OTOH – On the other hand
PITA – Pain in the arse
POV – Point of view
PMFJI – Pardon me for jumping in
ROFL – Rolling on floor, laughing
ROFLMAO – Rolling on the floor laughing my arse off
ROFLOL – Rolling on floor, laughing out loud
ROFM – Rolling on the floor, moaning
RSN – Real soon now
RTFM – Read the f***ing manual
SFTH – Straight from the heart
SNAFU – Situation normal all f***ed up
TBH – To be honest
TIA – Thanks in advance
TIC – Tongue in cheek
TVM – Thanks very much
TTFN – Ta-ta for now
TW – Touch wood
VBG – Very big grin
WEG – Wicked evil grin
WRT – With respect to
YHTNOTH – You hit the nail on the headfeel free to add as I’m keeping these for when my kids grow up enough to use them on mobile phone messages! They are currently 3 and 2 years old. I like to be prepared!
Cheers
C@34
Offset account (against PPOR receives all income) and electronic deposits and withdrawals maintain the comings and goings of the accounts and the various transactions. This helps us reduce our monthly non-deductible interest bill with the assistance of rental income receivedDerek, just to paraphrase: Our current mortgage is with ANZ Bank. An offset account would then be with ANZ although other mortgages could be with what ever bank gives us the best deal at the time.
All rent payments go into the offset account (including our wages) and all mortgage repayments come out of the offset account, irrelevant as to the Lender.
All interest accrued by the offset account then helps pay our PPOR mortgage further reducing our loan (ontop of our actual mortgage repayments).Correct so far?
In our situation our core banking is with Westpac but we have other loans with other institutions Ie simplistically 20% (edit inserted or 10% depending upon your strategy and beliefsCall me stupid but I don’t understand this. Just when I thought I knew enough to set up my empire, I learn a whole lot of new stuff. Just goes to show, you never know everything!
Thanx for that light Derek and others. Bring on more!
Cheers
C@34
Hi all,
FYI:http://www.bozzle.com/pd_Spraying.html
This might help those that want to renovate or repaint in the future as well.[grad]
Cheers
C@34
LOL
That’s all I can say!!
Cheers
C@34
Its the only reason I left my last employer!
I used to work for a bus contracting company and helped the owner build his busines to twice its original size. I feel as though I own pert of it (even though I don’t). Made me feel good to know how much effect I can have on a business.
BTW, the owner is doing very well financially and he is my mentor, so to speak (and unofficial). We have a good relationship and I have left on good terms. I knew that he wouldn’t be able to afford to give me the same perks and so I had to make a hard call.Cheers
C@34
Terryw,
of corse you are correct! Minor glitch in the mental calculations. The numbers were taken from the vast depth of my mind (except the value of the PPOR and the Mortgage) and I tried to illustrate my thoughts.
Not original, but I had to work them out none-the-less as I don’t recall any-one spelling them out like this before.
I thank you for the correction, I now have something to work with.Thanx again
Cheers
C@34
Thanx Steve,
this offset account would entail me banking with one finacial institution, correct?
Currently we bank with CBA (because they’ve been good to us) but, because of my employers Home Purchase Plan, the mortgage is with another Lender. It’s a bit messy, but our intent is to be here for 6 months and work on debt reduction to overcome the financial ‘Sin’ of instant gratification. Then it’s upwards and onwards! I may have to go with the lender of my current mortgage as my employer pays for 80% of the interest that our mortgage incurrs and I’d be a fool to give that up easily.Cheers
C@34
I like how you described your life! That sounds very much where I’d like to be at! I will have to look into your books now just to see how you did what you did.
Thank you for another stepping stone to my future freedom! Like Steve, you are helping me move forwards in realising that dream.
All the best, and I look forward to your future submissions.
Cheers
C@34
Thanx Greg,
sounds like you are a person I should get to know (mentor wise). I have just started out actually buying, not just planning and trying, but there are areas in Perth I’d like to get into to do something similar to what you have proposed here on this post.
Just something else, I was suffering from the illudion that you need to have a ‘licens’ to wrap. Because you are in a way ‘lending’ money. Feel free to correct me, I admit to not knowing much about wrapping at all, but that bit seems to pop up in my mind every time I hear wrap.
Hope I’m wrong – unless you’ve got it covered!
Cheers
C@34
1905 Finals Series
Wed 17 July, 2002
Graeme Atkinson
Collingwood, always a power, came back to top the home and away ladder in 1905 with fifteen wins and two losses, two and a half games ahead of Fitzroy (second) and six games ahead of Essendon (fourth). Carlton (third) recruited fantastically well – five of their new names were ‘Mallee’ Johnson, Frank Caine, Rod McGregor, Charlie Hammond and Nor- man Clark, all of whom were to become champions. The two semi-finals resulted in great victories to Fitzroy (who more than doubled Essendon’s: score) and Carlton (who also more than doubled Collingwood’s score in a real boil-over). Percy Trotter, the brilliant Fitzroy rover, kicked six goals in a match-winning performance against Essendon which was a record for any finals match.The following week, the two winners met with honours going easily to Fitzroy, who ran right away in the second half to win by over four goals. This meant that they were matched against Collingwood (who had been minor premiers) in the grand final. Collingwood, despite their humiliating loss to Carlton in their semi, were equal in favouritism with Fitzroy but no match in ability as it proved.The Maroons won the toss, and a slugging first quarter produced a total of only four behinds, three to the Maroons, and an equally hard second term saw the scores level a one goal three each when the interval came. On the resumption, Trotter banged home 1 goal for Fitzroy from far out. This sparked Fitzroy and after three near misses Brosnan and L Barker added further goals, before Pears replied on the bell with a shot that left Collingwood fourteen points down. Both sides had injuries by then – Condon for Collingwood and Sharp for Fitzroy. Then a scrambly but hard fought final term resulted in only one point being scored (by Collingwood) which left Fitzroy victors by thirteen points; their second successive flag and their fourth in the nine years of the VFL. When one bears in mind that they lost two other premierships by less than a goal in those years, they then must stand as one of the greatest sides in the long history of the VFL.
RESULTS SEPTEMBER 16- FIRST SEMI- FINAL Fitzroy 5.1 8.2 12.4 12.7 (79)Essendon 0.2 2.8 4.8 4.12 (36) Carlton CG Umpire Crapp Attendance 14,000 Gate not available BEST – (Fitz) Trotter, G Barker, J Sharp, Walker, Beauchamp, Bailes, Millis, Johnson(Ess) McKenzie, McDonald, Madden, Phipps, Shea, Baxter, Callan, Barry, Davis GOALS – (Fitz) Trotter (6), Brosnan (2), Fontaine, Johnson, Millis, L Sharp(Ess) G Barker, Blackmore, McKenzie, Smith
SEPTEMBER 16- SECOND SEMI-FINAL Carlton 4.3 5.5 8.7 11.10 (76)Collingwood 0.1 0.3 2.4 4.6 (30) MCG Umpire Norden* Attendance 14,000 Gate not available BEST – (Carl) Roland, Caine, Grace, Parke, McNeil, Flynn, Elliott, Hammond(Coll) Dummett, Green, McHale, Rush, Fraser, Pears, Angus, Gibb GOALS – (Carl) J Kennedy (2), Roland (2), Topping (2), Caine, M Grace, Elliott, Flynn, G Johnson (CoIl) Condon, Green, Nash, Stancliffe
SEPTEMBER 23- PRELIMINARY FINAL Fitzroy 3.2 5.3 8.6 11.6(72)Carlton 3.4 4.6 6.7 6.9 (45) MCG Umpire Crapp Attendance 30,000 Gate not available BEST – (Fitz) J Johnson, Sheehan. Trotter, Milne, J Sharp, Jenkins, Naismith, L Barker, Beauchamp, Walker, Millis (Carl) Flynn, Johnson, Hammond, Snell, McGregor, Boyle, Grace, Roland, Elliott GOALS – (Fitz) Wilkinson (2), Trotter (2), Johnson (2), Milne (2), Brosnan, Millis, Walker (Carl) M Grace (2), Elliott, McGregor, Roland, Snell
SEPTEMBER 30- GRAND FINAL Fitzroy 0.3 1.3 4.6 4.6 (30)Collingwood 0.1 1.3 2.4 2.5 (17) MCG Umpire Crapp Attendance 30,000 Gate £1,061 BEST – (Fitz) Bailes (BOG), Beauchamp, Jenkins, Moriarty, Sheehan, Naismith, Milne, Walker, Millis (Coll) Dummett, Pears, Strachan, Rush, Monohan, Green, Gibb, Nash, Drohan GOALS – (Fitz) L Barker, Brosnan, Trotter, Millis (Coll) Nash, PearsCheers
C@34
Sorry Greg F,
I only came accross your thread today. My father origianlly wanted to do something like this (WA) but it fell thru because he couldn’t raise the capital. I got excited when he started as I am for you, simply because it would have been the once in a life time deal for my dad and he would have had some substantial $$ behind him and my parents could have had their dream of holidaying in europe and still have money to live on. At the time I was really into girls (somewhat younger than today) and didn’t pay a lot of attention. One thing he did mention was that he would have to advertise the lots long before he was ready to sell (kind of like they do today in new developments) – people send in their expression of interest with a $1K down payment, etc. Perhaps some home builders might be interested in ‘modeling’ new display homes?Anyway, sorry again for not being helpful.
Cheers
C@34
Wehhelll
wot can I say?
Smart …..gooood looking…….intelligent….. AND do the right thing!On ya Sandgropers, giver yerselfs a pat on the back!
Just quietly Kay, I know what you mean about the other REI sites. I was most disapointed to find them, well, not up to what I’m used to. Before our recent purchase, mys wife and I had plans to buy in QLD for her parents (they couldn’t buy and so would have preferred to pay off our investment rather than some-one elses.
too bad things didn’t work out. Thank you for the compliment and forgive my instant gloating!Cheers
C@34
That is fair Kay,
The link to our REI site is very good in this instance because it gives you a map of the median prices and the relative suburbs.
Cheers
C@34
