Forum Replies Created
the dominoes are arguing as to how many dots they have, and who has the most!
The only thing constant is change
The only difference between a weed and a flower is a judgement
cute chan
The only thing constant is change
The only difference between a weed and a flower is a judgement
not fopund any that are the same, does vary
The only thing constant is change
The only difference between a weed and a flower is a judgement
yeah its called reverse psychology
The only thing constant is change
The only difference between a weed and a flower is a judgement
puppies?
come on Chan she wasnt really talking about the furry variety was she? did ya read the SMH par that talked about puppies?
she was really worries about the people who cant afford their own place…
*smiles* sorry I couldnt miss that one
The only thing constant is change
The only difference between a weed and a flower is a judgement
one called POSH
another called property managerThe only thing constant is change
The only difference between a weed and a flower is a judgement
my interpretation
The domino theory: much ado about nothing
comone guys and gals, look at the thread…someone blow the blooming thing over will ya! get the kids to knock off a few dominoes and let it all fall over.
hmmn domino….remove one and it doesnt work!
hit one and they all fall down one by one.Margin lending low risk eh? I would disagree. I use margin lending for my share portfolio and I think thats more nerve racking than buying property
The only thing constant is change
The only difference between a weed and a flower is a judgement
[bawl] waaaaaaah! I missed people.
glad you had a good time. I did ask about the meetings in syd, guess ya gotta feel people are ok huh?anyway, I told someone there were a few of those property developments, guess cycles happen all the time….
didnt anyone get the free hand massagers?
elvesThe only thing constant is change
The only difference between a weed and a flower is a judgement
go get em Kay!
I would like to buy one every 3 months, but bit hard, a second income helps keep food in the mouth
The only thing constant is change
The only difference between a weed and a flower is a judgement
I was there today. Have to say I dont get that excited. Spoke with Margert Lomas for a few mins when she was on her own, stood next to Bruce Beres…whats his name, yummmm….errrrr sorry.
Turned down the bags, saw lots of young people, dressed all ways, sorry sis not all in business suits.
Had a few laughs, said lots of no thankyous and have sore feet. I looked around the seminar room, thinking is that one or that one? LOL
no hope.
Elves
The only thing constant is change
The only difference between a weed and a flower is a judgement
thats the problem, you kinda have to wait when you dont want to.
Im ready to go now I have some more funds…but not sure my bank manager wants too…LOL
The only thing constant is change
The only difference between a weed and a flower is a judgement
There is no right or wrong on this, but you gotta consider just more than interest here.
You can do the interest only loan, and my accountant told me to do this. But still owe the same at 3 or 5 years end, hoping you had growth and then re neg a loan etc.
Personally I am conservative and maybe a bit skewed. I decided I prefer P and I loans, I know they are more expensive, but for me it was more a long term thing and I was considering I still have growth and I have reduction in what is owned and I claim all the interest…given that PI loans in the first years, you are repaying the most in interest etc….then I also consider this more an advantage…im talking my tax here….and my personal values. rather see it decreasing and pay more mortgage…
just personal opinion and my accountant wouldnt agree, but then thats too bad. I beleive Margeret Lomas holds the same type of thoughts on this too.
Elves
The only thing constant is change
The only difference between a weed and a flower is a judgement
sorry but I dont subscribe to that theory
that is fear, and need for control that stops people from giving 100%
and its competitiveness
though Im not asking for your secrets….I figure I can ask and see what people say, if they dont want to answer so be it. I do my own research toocheers
elves
The only thing constant is change
The only difference between a weed and a flower is a judgement
nath
good on you
the lower price for rental return is beeter, dont worry too much about town size, just at least good to know it.,,,and what is happeningThe only thing constant is change
The only difference between a weed and a flower is a judgement
none of my $50 deposits have ever been refused
The only thing constant is change
The only difference between a weed and a flower is a judgement
at 18 or 19 i had my first property by 21 I had a second and not long after that a block of land. Given wages then were under 125 a week and my home was 29-30k and is now worth over 700k
you do the sums on todays figures and wages, gosh I did well! lolThe only thing constant is change
The only difference between a weed and a flower is a judgement
Re Architects, they are good, they are expensive and they can be bad.
They dont always do what P said, I cant spell it sorry! lol
I chose two architects, one plans were brilliant and the other plans my 4 year old grand daughter could have drawn, scribble and what he came up with from council was what I already knew, eg land dimensions etc.I already had the place surveyed afresh.
These are the prices of the two Architects and both are listed with the Australian Architects website.
Meeting: site design and requirements. 4 bdrm house, 220k (land already owned)
proposed sketch environmental considerations and materials (councils are fussy),
costing not includinf landscaping, council fees and charges, cost 25k incl gst.
Total FEE: residence: under 150k cost quote as required
150-200k 9%
200-250k 8%
reduces to 6% for each bracket creep to 5.5 then 5% over 500k quote sepfee percent
engage consultants and trades 1-2%
sketch design 12%
detailed sketch 13%
documentation 40%
contract admin-30%
tendering 2.5%
post contract 2.5%
hourly rates including gst principal 132
drawing 110
reimbursables, travel transfer of docs to computer, time and tracel over 30km
provision of buildings
adverts etcI wont go on, but it is endless, and not always fixed.
builders and architects dont always agree
you can have an engineer do all your plans, the builder do the work adn contracts tooanyway enough
The only thing constant is change
The only difference between a weed and a flower is a judgement
I was thinking the same a few weeks ago.
sat having a cuppa, thinking why people put up so much of a deposit, I use none! well $50, and then a deposit bond via bank, and finance the lot, stamp duty and costs included.I thought that was a better tax alternative than using my own cash! shissshhh what would I live on?
cornflakes?
then have nothing left to say hey!!! i got money. give me the money!elves
The only thing constant is change
The only difference between a weed and a flower is a judgement
me i dont buy any! and I dont subscribe to any!
not womans day, tv weekly, times, api or any…
and no i dont go and read them anywhere..
no wonder I know nothing.LOL
The only thing constant is change
The only difference between a weed and a flower is a judgement
I only mentioned two blocks because this had been mentioned and because it gives ideas. Who says you cant fit 6 on on block as it depends on the size.
the reason people sell da approved IS to make MONEY
the reason people buy them is they might have the funds, dont want the hassels, it is VERY common.Elves
The only thing constant is change
The only difference between a weed and a flower is a judgement
