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jmsrachel
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@jmsrachel
Join Date: 2012
Post Count: 711
December 26, 2012 - 10:05 am
fadridrocky wrote:
denisc wrote:
LEAKING PLUMBING Another major risk from leaking plumbing &/or water pooling is that from Sydney north it creates ideal conditions for termite infestation. This can lead to repairs & control costs into the tens of thousands. I do not believe in turning the sub-floors of my house into toxic waste dumps. The permanant solution for termites is structural changes to create a dry, light & well ventilated environment which is bond cleaning gold coast unattractive to termites. Chemicals if required should be targetted baits, not area sprays & the new chemical Chloroflurazanon is dramatically safer than arsenic or organophosphates. denisc
Winters have been real cause of concern for me considering plumbing. I am suffering choking of water at numerous points and thinking of hiring plumbing services soon
Wtf
jmsrachel
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December 24, 2012 - 5:56 am
I agree with Terry. Pay the plumber, change pm’s and move on. It could get too costly and messy.
jmsrachel
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December 24, 2012 - 5:52 am
I read an article couple years ago about land scarcity for burial plots. The solution was to place the coffin upright meaning your standing instead of laying down. So much for resting in peace!
jmsrachel
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December 23, 2012 - 8:36 am
I agree with shahin. For a largish company to give you a hand written report is pretty poor work in my books.
jmsrachel
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December 22, 2012 - 10:48 pm
Bob the builder
jmsrachel
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December 22, 2012 - 8:57 am
Jp I hope you weren’t one of those agents that never returned calls
jmsrachel
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December 18, 2012 - 8:49 pm
Do brokers get paid after settlement occurs? Must be hard with cashflow if you have to wait a couple months to get paid? Once everything is done your pretty much just waiting for the day to come.
jmsrachel
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December 18, 2012 - 8:19 am
Jamie M wrote:
Hi Jason
It can be both a method of matching requirements and qualifying the customer.
Providing I feel that I have sufficient information to make a recommendation which often involves assessing payslips and financials, then I'll provide that product recommendation to the client.
However, I do know that there have been times where I've spent quite a while on scenarios and have offered up the information for the client to go straight into the branch with my recommendation….and then call me back a few weeks later when it goes pear shaped. It's frustrating -but it does happen……that's not to say that was your intention.
Cheers
Jamie
Jamie do you continue helping them out when they come crawling back or do you give them the big F O ?
jmsrachel
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December 18, 2012 - 1:58 am
My gut says CBA. Everyone I know who is with them has a story to tell
jmsrachel
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December 17, 2012 - 11:43 pm
Last I heard Wayne ormond (i think that’s his name) was being chased by creditors and all the people that purchased a franchise from him were doing it real tough.
jmsrachel
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Post Count: 711
December 17, 2012 - 11:37 pm
Freckle wrote:
Why would anyone want to invest in Vic?? State govt is pushing austerity measures to shore up a shrinking revenue base and property is sinking like a stone.
Keep your money in your pocket. This is not the time to buy. Watch and wait.
I’m really beginning to see what you mean. It’s not getting any better any time soon.
jmsrachel
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December 17, 2012 - 11:32 pm
Wife reckons I’ve been playing up all year. A big lump of coal for me.
jmsrachel
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December 17, 2012 - 11:09 am
Spoilt for choice!
jmsrachel
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December 17, 2012 - 11:03 am
I was talking to a mate last week about refund home loans. We both agreed it was a great policy but we couldn’t understand how it failed? Just run out of cash flow?
jmsrachel
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December 17, 2012 - 10:06 am
Lol I get that too scott. I wonder if people actually fall for it?
jmsrachel
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December 17, 2012 - 9:37 am
PS10 wrote:
Hi Richard,
Could you please elaborate on how the Term Deposit works against the loan?
Is it similar to an offset account, or am I way off the mark?
I'm also interested in how this works? Never knew this could be done.
jmsrachel
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December 17, 2012 - 9:35 am
Speaking of scammers, is it just me or am i the only one winning $100 million every week in a online lotto draw? Surely i can't be that lucky!
jmsrachel
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December 17, 2012 - 9:32 am
What about the poor buggers who have money in a term deposit.
jmsrachel
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December 17, 2012 - 9:28 am
APerry wrote:
On a loan that size you may very well get 8% LVR. With regard to loan term, it will be shorter, but at least 15 years. The much shorter loan terms that are sometimes applicable are more common with much larger loans.
Hi Alistair,
I hope you really mean 80% other wise i'm buggered!!
jmsrachel
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December 17, 2012 - 9:27 am
Qlds007 wrote:
Hi Joe
To get the best interest rate, set up rates etc you would ideally want to keep the lvr to 70% for an interest only loan or 75% for principal & interest loans.
Probably get 20 / 25 year term with the right lender and no annual review.
Hope this helps.
Cheers
Yours in Finance
Hi Richard,
Thanks for reply. If all goes well I'll most likely be contacting you mid next year. Is it much harder to get a commercial loan compared to a residential / investment loan?