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  • Profile photo of god_of_moneygod_of_money
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    November 10, 2010 - 7:42 am

    Where is Richard? He should make a comment on the downside of X-collaterising the loans

    Profile photo of god_of_moneygod_of_money
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    November 9, 2010 - 9:05 am

    Terryw, what do you mean by legal advice?

    treborsuj, what rate did u end u paying?

    Profile photo of god_of_moneygod_of_money
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    November 5, 2010 - 7:39 am

    You can get a lower interest rate if you managed to have LVR < 65%

    Profile photo of god_of_moneygod_of_money
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    November 5, 2010 - 7:33 am

    The cooling of period can be extended as long as it is agreed on both parties.

    If you put the deposit for A$300.. and you don't proceed to exchange then you might be forfeited the 0.25% or A$300

    Profile photo of god_of_moneygod_of_money
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    August 27, 2010 - 9:18 am

    I am not an australian citizen but have few properties including PPOR and IPs

    Profile photo of god_of_moneygod_of_money
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    July 20, 2010 - 2:55 am

    Yes.

    Profile photo of god_of_moneygod_of_money
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    June 29, 2010 - 12:03 pm

    Chetnik73, Which lender you are with currently?
    Low interest does NOT guarantee a cheaper product

    Profile photo of god_of_moneygod_of_money
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    June 29, 2010 - 12:01 pm

    Agree… I am not sure how Steve pulled it out from

    Profile photo of god_of_moneygod_of_money
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    June 28, 2010 - 9:37 am

    Agree with above comments

    I would be keen to buy 500-1km from the railway

    Profile photo of god_of_moneygod_of_money
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    June 28, 2010 - 6:57 am

    Sonyasal

    Yes.. totally agree… selling it 1/2 hr later on will have all the terms and conditions in favour of buyer… and no pressure at all to hand over 10% deposit..
    But APM will classify it as 'PASSED IN' and translate into 'PROPERTY CRASH' the next day

    I bought mine after 1-2 weeks passed in after the auction.. coz I can't be bother buying under pressure by REA.

    Profile photo of god_of_moneygod_of_money
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    June 27, 2010 - 9:50 am

    Terry, so how do you minimise your tax? how do you increase your super?

    Profile photo of god_of_moneygod_of_money
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    June 27, 2010 - 9:05 am

    number 8

    I need to bring down my gross income from 200k to as less as I could. One way is using salary sacrifice to super.

    Terry,

    How much super do you contribute? I mean A$1000/year ( to pay income protection) is better to invest in super. I prefer to pay with cash and can claim 46.5% tax deduction
    Sorry if this is still confused you

    Profile photo of god_of_moneygod_of_money
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    June 27, 2010 - 8:59 am

    Dwolfe

    Remember Fairfax needs to sell newspaper to generate $$$$
    APM needs to talk BS to get some credibility
    Domain.com.au needs some 'donkeys' publication in their website to generate enough internet's traffic

    Profile photo of god_of_moneygod_of_money
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    June 27, 2010 - 4:10 am

    Marshes,
    I would look at the number of properties being sold and the value as well
    Not just the rates

    Profile photo of god_of_moneygod_of_money
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    June 27, 2010 - 4:08 am

    DWolfe,

    Most of the properties get sold in 1-2 weeks post auction. I think the auction rates should include all the properties being sold up to 1 weeks post auction to reflect the true clearance rates.

    Been to auction.. but prefer not to bid…and bought it 1 week after that with all terms and conditions in favour of buyer :)

    Profile photo of god_of_moneygod_of_money
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    June 24, 2010 - 10:53 am

    Terry,
    Yes.. it is true.. but you have only 25k to salary sacrifice it to super..
    would it better to invest somewhere?

    Profile photo of god_of_moneygod_of_money
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    June 24, 2010 - 10:21 am

    Terry,
    Why do you want to use your super
    as max salary sacrifice is 25k/year?

    Might as well use the cash and claim the tax deductoin for income protection

    Profile photo of god_of_moneygod_of_money
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    June 16, 2010 - 9:06 am

    Hi Terry

    "If you start putting salary and wages into an offset you could get into trouble. "

    I do credit my salary plus rental income etc into offset account with ANZ One.
    What do you mean by get  into "trouble"

    Profile photo of god_of_moneygod_of_money
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    June 12, 2010 - 4:56 am

    Who is Harry? Another salesman…??

    I would consider if Warren Buffet predicting DOW is going to 4000

    Profile photo of god_of_moneygod_of_money
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    June 11, 2010 - 10:22 am

    double brick with render… the best

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