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  • Profile photo of eliseyelisey
    Participant
    @elisey
    Join Date: 2009
    Post Count: 40
    May 11, 2015 - 12:12 pm

    Thanks blackhotel and JacM :)

    Profile photo of eliseyelisey
    Participant
    @elisey
    Join Date: 2009
    Post Count: 40
    July 15, 2013 - 12:56 am

    Hi Jamie,

    Thanks for your reply.

    The property manager just said about the story about the two boys death due to the faulty heater etc etc etc…….in melbourne……

    The property is only about 3-4 years old………brand new when i bought it…… i just wasn't sure whether this is neccessary…..

    Thanks

    Profile photo of eliseyelisey
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    @elisey
    Join Date: 2009
    Post Count: 40
    July 1, 2013 - 11:31 am

    Hi,

    I got a newly built granny flat on site which is transportable (ie: not on concrete slab). Built by a reputable company….

    guess what……. after 1 years, i got phone calls from agents regarding the oven door doesnt close properly….

    then 6 months after that, another phone calls regarding the toilet cant flush…….

    I cant believe that in 1.5 years, all these happen……..

    Please do due diligence…….. and make sure the builders do what they promise and certainly make sure that their works, the materials and fixtures are of high quality……

    You wouldn't want things to be broken in less than 2 years…..

    Profile photo of eliseyelisey
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    @elisey
    Join Date: 2009
    Post Count: 40
    May 6, 2013 - 7:24 am

    Was told that bank calculate interest on daily basis and it depends on when they close the account. The statement date may not be the date they close the account.

    ie: Statement date 1/4/13 to 30/4/13

    But due to long easter break, the interest is calculated from 28/3/13 to 30/4/13.

    Profile photo of eliseyelisey
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    @elisey
    Join Date: 2009
    Post Count: 40
    May 5, 2013 - 12:09 pm

    Hi Catts,

    I normally dont check it. But for last month, there is a big jump of about $80 on the interest repayment compared to the previous 2 months. The interest rate stays the same for the past 2 or 3 months, I just dont understand why,  as the interest should be more or less the same, shouldn't be the huge difference.

    I use the software as recommended above, I still cant get the rate right.

    I also try to use excel spreadsheet, which turn out that the figures are the same as the software.

    Then I use other statements to check, those are only abt 20cents to 30cents difference which is still acceptable.

    So may need to clarify with bank.

    Profile photo of eliseyelisey
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    @elisey
    Join Date: 2009
    Post Count: 40
    May 4, 2013 - 12:08 am

    Thanks Jamie & s0805.

    Yeah, this is something I am looking for….. Thanks heaps

    Thanks again!

    Profile photo of eliseyelisey
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    @elisey
    Join Date: 2009
    Post Count: 40
    July 10, 2012 - 5:25 am

    Thank you guys!

    Really Appreciate your feedback!

    Profile photo of eliseyelisey
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    @elisey
    Join Date: 2009
    Post Count: 40
    July 10, 2012 - 3:40 am

    Hi Powderfingers,

    Thanks for the reply.

    How long does it take you to sell?
    And do you do the staging yourself? or u lived in the house prior to sale?

    Profile photo of eliseyelisey
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    @elisey
    Join Date: 2009
    Post Count: 40
    July 10, 2012 - 1:53 am

    Thanks Jamie for the feedback.

    Im happy to follow up with potential buyers, but in terms of negotiations, probably need to polish more.

    I think the market in the area is probably a bit slow/weak. Hence, may be a good idea to sell without agent??

    Profile photo of eliseyelisey
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    @elisey
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    Post Count: 40
    April 24, 2012 - 12:01 am

    You can update the variation if your circumstances change.

    if you overestimate expenses & underestimate income, not sure if there will be penalty……

    Profile photo of eliseyelisey
    Participant
    @elisey
    Join Date: 2009
    Post Count: 40
    April 23, 2012 - 11:55 pm

    Go to ATO website and download th variation form and check it out yourself. It is easy to fill in. I think it will be available from May for 2012/2013.

    Some people prefer a lump sum.
    Some would prefer to get the money back first. If you need some more cash flow, tax variation would help you a lot.

    Perhaps you can get accountant to do it for the first time, so that you can get a rough idea how it all works. Then on the subsequent years, you can just do it yourself.

    Profile photo of eliseyelisey
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    @elisey
    Join Date: 2009
    Post Count: 40
    April 23, 2012 - 11:24 pm

    Thank you Razz

    Profile photo of eliseyelisey
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    @elisey
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    March 14, 2012 - 11:22 pm

    Thanks for everyone's input.

    The place is a timber floor board. Not sure how they would clean it.

    Just check the insurance product disclosure statement. They wouldn't cover for loss or damage caused by animal owned by the landlord/ tenants. If increase the rent by $10 a week, it probably wouldnt be enough to cover for any loss/ damage. At least better than nothing :)

    Profile photo of eliseyelisey
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    @elisey
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    March 14, 2012 - 9:41 pm

    Hi Englo,

    can you show us some before and after photos, after you finished the reno.

    Taylor

    Profile photo of eliseyelisey
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    @elisey
    Join Date: 2009
    Post Count: 40
    March 13, 2012 - 11:42 pm

    Hi Adrian & Derek , Thank you for the info.

    Was told by the property manager that the pet is a labrador/ golden retriever type.

    Profile photo of eliseyelisey
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    @elisey
    Join Date: 2009
    Post Count: 40
    February 10, 2012 - 9:15 pm

    Most of the property became "waterfront property"

    water view at the front, big swiming pool at the back..

    Profile photo of eliseyelisey
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    @elisey
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    February 8, 2012 - 1:19 am

    Thanks Luke.

    Profile photo of eliseyelisey
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    @elisey
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    January 20, 2012 - 2:05 am

    JacM,

    That's very nice of you to find out the info. I really appreciate it. Tried to contact Natasha, but can't get hold of her as the operator said that there is no way of transfering the call. Anyway the guy sounds very helpful on the phone (GIO). He did mention 2 policy. I told him I want one policy with two coverages within it as it is just one title. And it was fine. I took out the one policy with 2 coverage.

    I also asked him to check the the underwriter team. He didnt check with them as he said it was absolutely fine for one policy n 2 coverage.

    Thanks for your help.

    Profile photo of eliseyelisey
    Participant
    @elisey
    Join Date: 2009
    Post Count: 40
    January 19, 2012 - 12:54 am

    Thanx Janc and Jac.

    I was advised by GIO that if there are two separate tenants, then i need to take out one insurance for the granny flat and one for the house. So it will be two insurances on the same property. Is this right?

    Also, under GIO, they dont cover any outbuilding which is used for residential and if there is a separate electric meter from the house. In this case, they advised 2 insurance policy on the same property.

    I was a bit confused. Some brokers told me that it is impossible to have 2 insurances for a property.

    Does anyone has any advice or experience in this type of granny flat insurance???

    Profile photo of eliseyelisey
    Participant
    @elisey
    Join Date: 2009
    Post Count: 40
    January 14, 2012 - 11:23 am

    Hi

    Does anyone know which insurance company will cover for the granny flat and also the front house?

    And whether they would cover both granny flat and front house if there are two separate lease? or they only accept one lease??

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