Hi Prop 16

That does sound strange about no floor wastes. We have them in all our new apartments/townhouses. Although I note that they’re not in any of the older ones that we own – so obviously it may turn out not to be a huuuuuge issue. However, if the laws have changed, and they are now a requirement in new buildings, you would have a case.…[Read more]

Huey, I’m so sorry to hear that.

Do not torture yourself with what you might have done differently. I seriously doubt that you could have done anything to stop him or change his mind.[]

A friend of a friend spent what turned out to be his last hours catching up with all his mates – saying good bye, but they didn’t realise it at the time.[]

Cheers
Mel

Hey Karan

It would have been better if you stated in your post that it was about a friend.

It is your friends choice to send the kids to the private schools.

If there is any equity in the PPOR (which there should be unless it was bought just recently) then there might be an option to purchase an IP. It would have to be a neutral one though,…[Read more]

mqs5, this isn’t necessarily a bad thing. It actually then takes away the worry that the manager will only put people in his units, or his friends units etc.

If they are generally fairly stable tenants (which I’m assuming retirees are), then it would only matter whilst one of the ‘residents’ moved on, and another was found to replace them.

The…[Read more]

Welcome to the forum Deborah.

Your plan seems to rely on the capital gain that you think is ‘guaranteed’ in building the new home. I would have though that that would take up a lot of time too. Building, then living, then selling, then building etc. Do that too many times and you’ll be classed as a trader by the ATO anyway.

If you’re looking…[Read more]

Lamotte, an extended settlement can be a good thing! Except if it was going to be nicely cashflow positive of course – then you’ve lost out on that. If that’s the case, perhaps you should discuss your ‘losses’ with the vendor.

If it wasn’t going to be, or is going to be your PPOR, you may have had some increased value in the time, which could…[Read more]

Hi Huey

Have sent you a PM.

Cheers
Mel

Michael, when I applied for a deposit bond, we had to have five times the bond’s value in equity. I don’t believe that that has dropped at all.

Cheers
Mel

Lucifer I suggest you contact one of the Mortgage Brokers who post on this site and chat to them one on one.

Good luck.

Cheers
Mel

Kreman, why don’t you chat to the owners, and tell them your situation. Perhaps they would be interested in wrapping to you as Terry suggested. I guess it all depends on why they wish to sell.

But that’s certainly where I’d start – especially as you know them.

Cheers
Mel

If you go to the website Mortgage Hunter suggested, you can buy both Dale’s manuals, and get a discount.

Other places (with no discount) are the API Mags Business mall which I think is online at http://www.businessmall.com.au

or go through http://www.apimagazine.com.au

Cheers
Mel

ROFLMAO[:p]

Cheers
Mel

Originally posted by markpatric:
I wouldn`t pay the high fees anyone is charging for a “kit”, that is laughable and rarely attend seminars, and no never a Henry Kaye one.

I do recall I said ‘gave us’ rather than ‘we bought’.

Trial and error is the best learning method.

Could not agree less!! I would much prefer to save years of time by…[Read more]

Yes Matt, Happy Birthday[:o)][:o)]

I see that it’s even sadder, it’s not just the night before your birthday. It IS your birthday.

I can definitely see why you want to go to Uni!!

Hope you have a good night.

Cheers
Mel

Chan$ that’s cheating!!

I just saw that you had made 500, and was going to post congrats, but I see you’ve beat us to it.

PLUS, you even had a dig at yourself[?]

Congratulations.

Cheers
Mel

Redwing, how about

If a man is in a forest, and he makes a comment/statement, and there’s no woman around to hear him……..

Is he still wrong?

Cheers
Mel

No, not avoiding. Just inquiring as to if a candidate was available.

My price – well, make me an offer and I’ll see what I think!

Cheers
Mel

Yay, Matt’s back. Welcome back Matt.

Cheers
Mel

Hi Westan

I agree that the data is historical, but it can also show a very good picture of the future. Martin Roth – the author of Top Stocks xxxx bases his predictions of Top Stocks on historical factors. ie gearing levels below a certain level, earnings per share and Return on Equity etc. If these change for the worse from one year to the…[Read more]

dan, another forum member recently discussed how they use two credit cards to earn maximum points from both. I think card B has to be Citibank Platinum or something though.

Basically, spend up on your card A (only what you normally spend, and can afford to pay back each month – maximising interest free time). Card B then allows you to…[Read more]