I don't even know how to begin to respond to that post.

2% of sale price. Not a cent more.

Sold on first inspection day, got more than I wanted.

Brilliant.

Hi Simon87,

Liberty Meat Exports

47-49 Chifley Dr, Preston VIC 3072 (03) 9484 0605

Gets busy on weekends…went there on Saturday

Got a live situation at the moment, I notice we didn't receive rent this month (was meant to be paid on the 12th, and in our nominated account on the 14th, or the disbursements happen on the 14th anyway)…made contact with our PM on Friday, as we set up in our clause that we are to be notified within 72 hours if the tenant has not paid rent for the month.

The first conversation between us and the PM said that the tenant has made payment for the month, but they've changed the disbursements to landlords to the 20th of the month – had we been given prior knowledge? No. Does this take into account that the I/O payment on my loan comes out on the 18th of every month? No.

Get a second call from PM an hour later saying that they'd made a mistake, they were thinking of another tenant on the same street, and ours hadn't paid yet, thereby making them 3 days late. Phone calls, SMSs and usual forms of communication have gone unanswered so far.

What concerns me is that if we were waiting until the 20th for them to do disbursements, the PM wouldn't have realised until the tenant was 8 days overdue on rental payments.

Am I over-reacting? Am I nit-picking?

Come on everyone!!! We must have at least one specific money saving tip we have to share!!!!

My last post was pretty general in nature, it was more of a train of thought, than anything specific…

1. Put every gold coin you have in a jar, and put that into a savings account at the end of the month. I'd be shocked if you didn't have $50-$100/mth, simply from the poo change from groceries, general shopping etc etc. If you really want to , put the silver coins in there as well. You'll be shocked.

2. If you do get a payrise for any reason – put the payrise away into savings, don't touch it!

3. When it comes to food – never buy meat and poultry from supermarkets like safeway/coles/iga. Every main city in Australia has a meat and poultry wholesaler where scotch, rumps and mince are 70% cheaper than what you get get in the supermarkets. 5kgs of Scotch fillet for $8/kg? Cut it up, freeze it, $300 of meat, poultry, and some other party type foods (chicken, dim sims etc) will last 2-3 months. If you're in Melbourne, message me, I'll let you know where you can go for this.

4.If you're someone who likes going out, I'm not asking you to change your lifestyle, that's your choice – but if you like the bar and restaurant scene buy an Entertainment Book – for anywhere between $50-65 – (the money goes to charities), there's buy one main, get one main free, or 25% of total bill….50% off rack rates at hotels, 50% off car rentals for holidays and short stays…even down to the small bits, like cheaper Hoyts tickets and buy one get one free at Nandos, KFC and other healthy alternatives You will make your money back from this book purchase after 2-3 uses….

5. If you know your income is relatively stable, or you can predict what your income and PAYG tax will be at the end of the financial year, then speak to your company's accountant and the ATO and set up a PAYG variation payment. If you think you'll get a $2000 refund at the end of the year, then why give the ATO that money for them to earn interest on? Have that $2000 paid back into your salary over 26 fortnight throughout the year…that's an extra $76 a fortnight, or roughly $160 per month right there. Most people take the "lump sum" and blow it on "conspicuous consumption"

This was just a start, hope it helps    I'm nowehere near the doyen of savings, it took me a while – but good habits started early will pay itself off many times over.

I think the distinction everyone has to make, is the break fees are enormous in the early years of a mortgage – it doesn't matter how much you've drawn down a mortgage, with RHG, it's a % of the original loan amount, and how long you've had the loan for.

My wife had a RAMS>Westpac>RHG Home Loan and was paying 8.19% on a variable in 2008 (that's right, 2008) before I spoke with RHG (and no it wasn't a no-doc, lo-doc). At one stage the break fee on a $220K loan was $8,000 – obviously prohibitive.

I tried again 14 months later, and the break fee was $1300. We re-financed that loan to 6.49% to a Top Tier bank.

People are leaving RHG in droves.

Did this ever sell? This thread was 6 months ago, sorry I missed it at the time…

I'm assuming it's the selling comms with the first sentence being "I'm looking at selling an IP I own"…

I recently sold a 2 br townhouse in Artarmon, they charged 2.0% of sale price.

This included everything. And by everything, I mean everything.

I don't know any real estate agent that will go lower than 1.6% of sale price, unless we're talking about a property value of $1m+…