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  • Profile photo of CeliviaCelivia
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    @celivia
    Join Date: 2003
    Post Count: 886

    THanks everyone for your excellent contributions.
    It makes perfect sense to me now.[biggrin]

    Profile photo of CeliviaCelivia
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    @celivia
    Join Date: 2003
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    RussH, as Pisces pointed out, we have had some discussions on this already, if you go to the post “Dave’s No-brainer” in the opinionated forum, this saves me from having to go into detail here again if you don’t mind. I’d like to think I’ve said my bit, if you don’t like my comments I’m happy to agree to disagree on this one. It’s just my opinion.

    Yes Pisces it is really sad to see people being hooked on things that sabotage their health and wasting money.
    I know someone who actually was gambling away the equity in her IP on pokies!
    She is getting help now which is a big step.
    It pains me to see this happening! Not sure how gambling could be regulated though apart from banning the pokies. I think a gambler will always find a way to gamble, e.g. on-line.

    I am living a fairly healthy lifestyle, I think, but it does take some discipline I have to admit.
    You can’t ALWAYS be good hehe I love my Eastereggs you know that already pisces [biggrin].

    Profile photo of CeliviaCelivia
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    @celivia
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    Personally, I think it would be a big risk to throw in your job!
    Can’t you start investing while keeping your job as well?

    Even Steve still had to have the support of the income of his wife’s job to get started.
    AND that was at a time when it was a bit easier to find CF+ properties than it is at this stage.

    There probably will be a problem getting lenders to approve your loans if there’s no income from your job AND you’re still paying off your PPOR?

    Others with more experience will probably give you more advice on the matter than I can, just my two cents worth!

    Good luck though on your way to becoming a Property investor!

    Profile photo of CeliviaCelivia
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    @celivia
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    Celivia’s replies in maroon

    Quote:
    Originally posted by Aceyducey:

    Celivia, NEVER confuse what is legal with what is ethical.

    It may be in your opinion unethical to pay less than someone asks for a property – however it is 100% legal. With a willing seller & a willing buyer whatever price is agreed is fair. Using information or relative power to influence that point is also legal up to the point where you actually break a law.

    Acey I did not say that paying less than asking price for a property is unethical. WHat I said was that taking advantage of people in financial difficulty and paying PEANUTS for a property is not OK (whether it’s legal or not. We all know that the legal system/law needs updating from time to time and is sometimes lagging).

    Negotiating a price which both buyer AND vendor are happy with is fine in MY viewpoint.
    It’s (knowingly) ruining people’s lives by badly lowballing the real value of a property that in MY view is unethical and should be made illegal.

    Stealing someone’s hard work – be it their writing, their singing or other copywritten material is ILLEGAL. Whether you believe it is ethical or not doesn’t enter into it.

    True, Acey, the point is whether it’s legal, not whether it’s unethical. Did I say it was ethical, tell me where I said that?
    I do agree with you that it is neither legal nor ethical.

    But all I was saying (or trying to say) is that REGARDLESS whether it’s illegal people still do borrow CDs etc of friends or even copy it. I am talking about reality here.
    So all I wanted to do is make the point clear that Native Metal gets attacked badly for having a copy of Steve’s Nobrainer in his possession, whereas it is very likely that the people criticising him have actually themselves borrowed or copied materials from friends.

    I do respect you if you do have such incredibly high standards and ethics to never borrow anything at all yourself. THere are not many saints on Earth who never do anything unethical or illegal!

    SO do you now understand the point I was making: Pot blaming the kettle for being black case.
    I was not making the point: I find this ethical!

    Frankly your viewpoint needs to be reconsidered. I bet you wouldn’t feel the same way if you had ever produced a work and sold it under copyright…then seen some people boasting about how they have an illegal copy. It’s dollars for feeding your family and it’s just plain rude as well (which is Steve’s point).

    I’m sure this point doesn’t have to be discussed since I have explained above my viewpoint and you surely understand it now.
    In case you don’t: Yes I do think it’s unethical.
    BUT in reality people DO borrow and copy.
    Except of couse for saints like yourself who always refuse to borrow from friends.

    If you hold the view that everyone who publishes a work under copyright is wealthy and ‘can afford it’ – well you’re the one deluding yourself and behaving unethically!

    Acey where did I say that it is my view that EVERYONE who pyublishes a work under copyright is wealthy and can afford it????
    Well lucky it wasn’t me who said hat, otherwise I would have been deluding myself and behaved unethically!
    I feel you are attacking me on things that I have not said, that are merely YOUR interpretation of what I said that you are attacking.

    Think about your attitude some more.

    OK Acey I will think about my attitude some more, I always thing about my attitude because I do realise I am not perfect, there is room for improvement or to update my attitude!

    Nobody is perfect, we are all learning and making mistakes and struggle with our attitudes and morals in life.

    So, Acey, keep the advice coming, it’s great to have the help of someone who has already done the hard work and sitting upon that pedestal. For me, I’m still climbing, so do reach out to us, us mere mortals!

    Profile photo of CeliviaCelivia
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    @celivia
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    I do understand why one should respect copyright. But people who say that they NEVER have borrowed, made a copy, or shared books or information or CDs with friends are hypocrites. We all have done it at some stage. Has no-one ever burnt a CD or copied some music?

    May be it is wrong, but I can think of much worse things people do, and this is generally approved by others!!!

    What about taking advange of desperate people who are financially struggling?
    Paying them peanuts for their property so YOU can make more profit.
    Is that OK?
    Hmmm

    Profile photo of CeliviaCelivia
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    @celivia
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    Hehe Melbear, you found the solution!
    You deserve an extra star[biggrin]

    As for your question about how he keeps them separate on land:

    The poor goat, wolf and farmer were so b*#@# hungry after waiting for 25 days for a solution how to get to the other side, that upon arrival they had a feast![tongue]

    Profile photo of CeliviaCelivia
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    @celivia
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    I also agree with Kay.
    I don’t care about the stars, don’t see a need for them.

    But if they make people happy- by all means, fight for them!

    Profile photo of CeliviaCelivia
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    @celivia
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    OK Admin, nice you’re always trying to make improvements.
    We’ll get used to the new changes soon.[biggrin]

    Profile photo of CeliviaCelivia
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    @celivia
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    RussH, I think Monopoly has a very good point here.

    Isn’t she merely saying that it’s good to read these books, *but* check it out before you taking action upon what you read?
    You don’t want to RUSH into things without properly investigating do you?

    If this is Monopoly’s opinion shouldn’t she have the right to share it?

    You seem to be offended by most of her posts [party]

    Profile photo of CeliviaCelivia
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    I didn’t doubt your good intentions for a moment, Delyse! [biggrin]
    There’s nothing wrong with what you asked!

    Profile photo of CeliviaCelivia
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    @celivia
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    Hello Delyse, you can send me a pm with some more details if you like as I have some knowledge of the market here.

    Hope I can be of any help.[smiling]

    Profile photo of CeliviaCelivia
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    SIS, imagine how bored you would be without your job…not knowing what to do with all of your pins! [party]

    Profile photo of CeliviaCelivia
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    @celivia
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    Misty 1 said:A wild guess would be 2hrs p/coat/p- average sized wall. 0r 1 full day p/av. sized room.

    2 Hours per coat per average sized wall for just 1 coat???
    Well yeh maybe when you’re painting with an eyeliner brush![party]

    It never took us that long to paint one wall, I reckon you should be able to paint a whole room in this time, not just one wall!

    It’s hard to say if the quote was fair, I would, as suggested above already, get 3 quotes.
    Details are needed, do only ceilings and walls need painting, or also e.g. wooden window sills/ doors/doorframes, skirtings, does any old paint need to be steamed off or is it OK to paint over as-is?
    I would make sure I’d get the details what they involve in the quote: what does it include, what brand are they using etc.[biggrin]

    Profile photo of CeliviaCelivia
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    @celivia
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    Last time I placed an offer I asked for the last condition report, the tenant application form, and also asked the Property manager to print out the last 6 months of the rent report. Just for my own peace of mind.
    The PM was happy to provide those forms for me.

    You can ask for 12 months too if it makes you feel more secure.

    I’m not sure whether the lender will require 3 or 6 months of rental evidence (I didn’t go through with that purchase in the end), this may depend on the lender.

    Does anyone else know that?

    Profile photo of CeliviaCelivia
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    @celivia
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    Yes I thought it was Bec too! I thought it was ever so funny!
    What name will she come up with next???
    Aww a lifetime ban seems a bit harsh :(((
    Poor bec!

    Profile photo of CeliviaCelivia
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    @celivia
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    I agree with Derek, but would like to add that you should be very insistent about having all the inclusions mentioned on the contract, in detail.

    Ask if any of the fittings/fixtueres belong to the tenant.

    I’ve had a bit of a bad experience when I bought my property, for instance, the new curtains in one of the bedrooms were swapped for old ones just before settlement.
    ALso, from the walk-in wardrobe all the clothes racks were taken out. So we needed to organise for new ones.[glum]

    I had not asked for this to be included in the contract, since I just assumed they would automatically come with the house as they were atttached to the wall.

    A bit lame of the vendors I thought as we paid a really good price for the house.[glum2]

    Next time I’ll know better, I want the tiniest details included.[medieval]

    Profile photo of CeliviaCelivia
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    @celivia
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    Chan, I could not stand by and have Geo’s needy soul plead with me!!!

    Profile photo of CeliviaCelivia
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    @celivia
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    Hi Rachel, you said: It’s a forum, sure, but also a place to come and share friendship, the good and bad sides of it. I can disagree with someones ideas but still like them as a person. Relax and enjoy, that’s what it supposed to be about.

    Very nicely said, I cannot agree more!
    It’s amazing how all the different personalities shine through.
    Let’s all enjoy each other’s company on these forumboards!!

    Profile photo of CeliviaCelivia
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    @celivia
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    Geo, heavens, what a beautiful thought!!![angel]
    Your words are pondering through my mind[happy3]

    Your poetric words have once more convinced me to hand over my materialistic possessions to you…[^] As for me there is merely happiness and bliss![happy]

    My shiney stars will be transferred to you my poor soul and I hope you will cherish them forever.[biggrin]

    The delicate sparkles these stars radiate will show up in your eyes and make them twinkle…
    [bigeyes]

    Enjoy…enjoy for seeing you happy will delight my soul!!!![heart]

    Chan, sorry I had to take the stars off the market again!

    Profile photo of CeliviaCelivia
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    @celivia
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    OI Geo you begged for my stars and now you want Chan’s 5 million as well?[confused2]

    Well you can’t have it, Chan is saving those 5 million dollars for me, you hear!!![crying]

    Can I have my 3 stars back now, I changed my mind, I’m gonna sell them to Chan before he spends the dough!!!![fear]

Viewing 20 posts - 461 through 480 (of 849 total)