Thanks for the info Wrap pack. You are right, I got me some corneas.

Thing is though, my Doc said that I could actually reject them at anytime, and the most ‘dicey’ time was when I actually had the second one done. It’s not a huge risk, as in with kidney’s etc., but he said I have to be wary at all times, and if vision changes dramatically…[Read more]

Oh, OK Pisces. I will not add my congratulations then…….[:p]

Cheers
Mel

Sue, I think it’s just the way a lot of people think. For instance, there’s another one that goes along the lines of a vegetable, and most think of carrots.

Nothing spooky, just the first thing that comes to mind. Incidentally, on this one I had a screwdriver, and consciously thought of a colour (green), otherwise I probably would have said red…[Read more]

Westan, you have forgotten the Olyroos. They beat the Kiwis in their qualifiers for Athens – as muppet mentioned earlier.

Cheers
Mel

Congrats Richmond.

The 500 club is expanding in waves at the moment![]

Cheers
Mel

I think they give the red stars to people who have got a bit above themselves, and they need to keep control of.[}]

Cheers
Mel

Yay for Bear![]

Cheers
Mel

Originally posted by kay henry:
rabbit business, shaun?

() ()
(. .)
() ()
( . )
(o) (O)

kay henry

oh, how cute. Now I feel bad.

Yes, Shaun is right, both of my sister’s dogs tangled with a brown snake on Saturday afternoon. One didn’t make it, and the other one was vewy vewy unwell. I took her down the coast to my sister on thursday,…[Read more]

Well done Muppet. Although I see you’ve managed to ‘stack on’ another 30 or so since your 500th.

You guys have certainly got up to a lot of mischief since I’ve been away…

Cheers
Mel

Originally posted by muppet:
Okay guys

What does happen?

Try this:
Go to Freecell and chose own game. Type in -1, or -2 and see what happens.

Regards

Muppet, that’s nasty!!

Cheers
Mel

jarmbie, you can use anything to negotiate the price with the vendor. It depends whether or not they know about the problems, and have already factored them into your price though.

In negotiation, the other side could always say no. If they do, it’s then up to you to decide if you want the place, and at what price you are prepared to pay. If…[Read more]

Isn’t one of those ladies an accountant? Dymphna Bolt or something (I haven’t looked at the link)?

Dale GG recommends her highly as an accountant (for property investors), so she can’t be all bad. But yes, I think I’m FINALLY Guru’ed out, and will stick to buying books in the future.

Cheers
Mel

James, I wouldn’t like to have to put more than 20% in to make the place cash positive. I would like it to be cash positive with 100% financing – that would be perfect.

Anywhere in between is a good bet, especially if you have cash deposit to start with.

Cheers
Mel

SIS, you’re a dumbass []. It takes a heck of a lot longer to type it, than the simple conversion in your head. ie, drop off the zeros, and double the number!!

Cheers
Mel

Richard, is it still negatively geared? Unless it’s costing you money (and take into consideration the rent you’re getting for your PPOR as well when working this out) I would keep it.

I would keep it as interest only, and concentrate on paying off your PPOR with any spare cash. When you come back to OZ, you will have a good equity base to draw…[Read more]

Strawberry Babes, no doubt there is info on the 11 sec solution in the Strategies section of this site.

But just so’s you know, it’s a filter tool used by Steve to ascertain whether or not a property will be positive cashflow. It is not the be all and end all, but it can eliminate a lot of properties quickly to stop wasting of time.

To do this,…[Read more]

Holy Cow. Your Kiwi banks are strict.[V]

Have you tried more than one bank? I would get in touch with a broker or two in NZ and ask them if that’s the policy from all lenders, or just the one you are talking to. If all your loans are with the one bank, perhaps you have hit your ‘limit’ with them, and it’s time to try a new bank for the next…[Read more]

Rancid, I can’t help but wonder if youa are still reading after your second post.

If you are concerned about ‘wasting’ $30 and having learnt nothing, have a look in the library.

To answer your very specific questions though (in case you are still here)

1. I am guessing that if you had to pay for all the repairs out of your own pocket, that you…[Read more]

Mark, click on Members, User Profile, and Edit Profile. I think you can still change your User name, although they tell us not for long.

Cheers
Mel

Hey wrappack, are you a real Dr?

If so, can you answer me a question. I cannot give blood, cos I am an ‘organ recipient’ (thank you to the two people that have enabled me to see clearly []. Can I donate my organs?

Cheers
Mel