Forum Replies Created
Elvis
Absolutely brilliant – just seen my neighbour topless sunbathing.
no seriously this is great.
Thanks for the website, Elvis
rgds
Cobra[suave2]Misty1
its not intertest free believe me i’ve worked in thr=ese areas.
The credit charge is built in to the purchase price.
If you offer cash you should get a 5 – 10% discount.
rgds
CobraHi Elvis
I believe all new houses in WA must have an approved termite barrier installed during construction by a registered pest company with a 5 year guarantee but with annual inspections.
Check with your builder and the certificate is usually stuck on the inside of the power box
rgds
Cobra[suave2]Russ just a second thought why don’t you put a 48 hour clause in so if a better offer comes in your current client has 48hours to go unconditional.
That should get them moving
rgds
CobraHi Russ
we just had settlement on IP and finance took 16 days and we had pre approval.
If we hadn’t put 28 days for settlement we would’ve looked stupid.
As terry suggests say 3 weeks for finance and settlement 10 days after that?
rgds
CobraHi Guys
just as an aside to this i’ve just renewed my house and contents insurance and my policy includes $5000 towards accountants fees if i’m ever audited!
not bad or is it a warning?
rgds
Cobra[suave2]we use hollards
both for landlord and building insurance – very competitive in perth
rgds
Cobra
[suave2]Re valuations!
a few years ago i refinanced PPor to put a pool in and my Then credit union refused to do it as they said the valuation did not support the loan???
When queried as to who why and when for the valuation as no-one had contacted us to do one – we were told the valuer had not bothered to see the property as there was not a property in our suburb worth over $250K – this despite the fact my friend had sold his house for $450K and it had settled 3 months earlier and there was 15 -20 houses currently on the market or under offer well over $300k.
To cut a long story short we offered to pay for a new valuation by a valuer of the Credit unions choice if the value came in under $250K.
The valuation was subsequently done and 3 days later we received a letter of approval for the new mortgage.
When queried we were told the valuation was above the required amount and we would not be charged for the valuation.
The deal was done and the pool went in.
We never did find out the valuation but it goes to show you should not accept any valuation if you really think it is wrong and there are ways around things like this
rgds
Cobra
[suave2]Brilliant Geo!
i loved them all – especially the one about the tunes of the alphabet song and Twinkle Twinkle little star and then the next comment.
it took me 15 mins to stop laughing
rgds
Cobra.PS Redwing I heard the same story about the Baby food.[biggrin]
If there is a woman out there earning over 150K PA and needs a stay at home Dad –
i don’t have any freudian dick problems and offer my services.
Let me know as i’m fed up of working away from home.
rgds
CobraBehind every successful man is….
a line of people wanting a hand out
any more?
rgd
Cobra
[suave2]It’s hard to soar like an Eagle when you’re surrounded by Turkeys
Love that one but I don’t think its by a Famous person
rgds
CobraTry working on the principal:-
“Do unto others as you would have them do unto you”
I do – or at least try to.
I can look at myself in the mirror each morning and feel comfortable.
Also if i’m in a quandary as to what to do in a problematical situation it always supplies an answer.
Not preaching just trying to suggest an option!
rgds
Cobra
[suave2]Bugger![angry2]
I’ve got nothing!
But thanks anyway Redwing.
rgds
Cobra[suave2]Low ball offer – i think the term should be banned!
We’ve just bought a property for $190000 marketed at $230000! Why? Because it is not worth $230000.
It is in hell of a state and requires $20000 to fix up but then will be worth $240000+.
rgds
CobraMelbear
I don’t know what creditcard you have but i assure you the information given is incorrect.
I had a problem with a company debiting my c/card a year ago. My bank cancelled my c/card issued anew one and i had no further problem.
The law is pretty straight forward- if you do not authorise a deduction the company may not debit further amounts.
This would become fraud if you instructed the bank not to allow further debits to the new c/card.
Any bankers / legal people can confirm this?
rgds
CobraWell said Kay Henry!
I read so much against -ve gearing yet what you say works perfectly.
I think the 2 or 3 +ve cf to balance each -ve cf property seems to work well.
CobraAs Russ says read some books
suggest ‘the richest man in Babylon’ by Clason
Go see a mortgage broker – be honest and they should be able to help.
If your in WA i can recommend 1 or 2.
Rgds
Andy
NB the horse is called FridayStill in School has been reading Rich Dad Poor Dad.
I too think its amatter of personal comfort.
80% debt to equity would be a reasonable maximum -thats why the banks and LMI use it.
As was posted 2mill debt on 5mill equity with capacity to repay – no problem.
rgds
AndyPerth
I agree Redwing
Ellenbrook will see good CG for the foresseable future
In 5 -7 years it will be bigger than Bunbury.
Huge New S/centre has started- Woolworths/Kmart etc – Darwin Hwy going in right next door – 2 new Land developements started.
Large rental demand – vacancies about 1%- but most (all) Properties are -ve.
Kewdale and Southwest?
Karratha and Hedland up north with all the big developements/projects
Just afew possibles.
rgds
Cobra
