If I were you, I would get a thorough building inspection done, and if it turns out to be structually sound, and the wiring and everything is ok, I’d go for it. I suppose it depends on what your strategy is though … are you in it for the +CF or CG? Trust your gut instinct (after doing proper due diligence, of course).

p.s … total newbie here,…[Read more]

When I applied for the FHOG, I rang the Office of State Revenue, and they were very helpful with all the info I needed. I suggest giving them a call.

Cheers

Kez

Hey jazpo

Just a beginner myself, but I had a thought. Couldn’t you look for a cheaper area to buy, somewhere a bit regional maybe, but which shows a reasonable growth, and only draw $100,000 from your offset account? That way, you’re allowing a margin for things to go wrong until you can get work again. Just a thought.

The options with…[Read more]

Excellent[biggrin]

Thanks muchly Derek

Kez

<<< puttin’ my hand up for the chat room and the little abc button!![wideeyed]

Kez

‘scuse my ignorance, but what is churn?

Kez

Some of the extra things I was asked for at different times, after I had already submitted everything that had been requested were:

*a letter from my credit union to say that my visa was a debit card only, even though I supplied 12 months worth of statements which clearly showed there was no overdraft on the card

*a medicare card to prove that I…[Read more]

This is good for me. It’s really easy to write a list of goals here at home, ‘cos I am the only one who sees them. This way, I can’t change them as the whim takes me.

OK, 2004 first.

1. Bought a unit which is sucking me dry.
2. Battled with depression (caused in part by the experience of buying the unit), and won, with the help of Zoloft
3.…[Read more]

Brahms

I would most definitely have changed brokers if there had been time. I actually contacted a few, some who said they couldn’t help with 100% finance, and others who were too busy to help in the time frame I needed. I even considered scrapping the idea of buying the unit completely at one stage. Rang everyone and cancelled everything, and…[Read more]

I am currently in a loan that charges 8.45% interest. It is a total rip-off, and the sooner I can sell and get out of it the better. There are a few of reasons I have not refinanced:

1. I found a couple of deals with good fixed and variable terms, but the valuers the finance companies used (in my opinion) undervalued the property and won’t shift…[Read more]

Hi Byronent

There is a certain amount she can own in assets before it affects her pension. Not sure what it is, but I’ve heard of stories where the only asset of a retired couple is their own home, and because it’s worth over a certain amount, they receive no pension, even though they have no income. They have to sell their home (which may have…[Read more]