actually, the one I thought was it isn't. because it doesn't have a field for the interest rate %:S

found it. it's 15 year amortization!!!this is amazing. thanks so much for that!!!

Thanks so much for that duckster.Which one of the 7 options should I select?

LOL. Thanks for that Terry!I was interested in salary sacrificing benefits for low income earners working for Cheritable organisations.

Thank you Terry

Thanks so much for that.

Thanks so much for that. I must have ticked something wrong when filling out my tax return. Will go over it tonight again. Luckily I hadn't submitted it yet

Thanks for that Mr5o1.Does that mean I should not have been charged $560 for Medicare surcharge?

The thing is, the supplier admitted most of the faults and did not try to deny anything. Does this count at all?

Now, some of the defects our steel frame installer picked up within the time frame allowed, so we should at least be covered for those items, right?The thing is, it would have been impossible to go through, measure and count the thousands of items and little pieces. There is simply not enough room to lay everything out and check A lot of the…[Read more]

I have just gone through the contract again and … from what I can see the supplier has got himself covered Delivery Of GoodsThe failure of the Supplier to deliver shall not entitle either party to treat this contract as repudiated.15.9 The Supplier shall not be liable for any loss or damage whatever due to failure by the Supplier to deliver…[Read more]

Scott No Mates wrote:
A few basic questions that need to be answered:Is this supply covered by Home Warranty Insurance (NSW or Qld)? If yes, then it is an office of fair trading issueWas the supplier advised of the defects?Was the supplier given the opportunity to rectify the faults?Did they attempt any restitution or offer any solutions?Were…[Read more]

Re: the corporation is liable to compensate the consumer or that other person for the loss or damage and the consumer or that other person may recover the amount of the compensation by action against the corporation in a court of competent jurisdiction.Does this mean that I should be able to claim rent for delays we've had?

Found this thanks to Terry!http://www.austlii.edu.au/au/legis/cth/consol_act/tpa1974149/s74d.html

Scott No Mates wrote:
You've lost me totally on this one, hs the supplier has stuffed up or have they failed to supply all of the components which you have paid for however you are out of pocket by having to pay a local suppier to resupply the missing pieces or have you been hit with additional charges by your installer to re-establish several…[Read more]

pinkboy wrote:
I would keep in mind that for the sake of $750, not having any proof of purchase if a. a warrenty claim is required or b. an injury was sustained whilst working on the job or c. an accident happend from a structural shortfall etc, then I suggest you look at your situation a little closer.pinkboy

The installer will still provide…[Read more]

Sorry about the confusion. The supplier and installer are two separate companies. The supplier was paid in full 6 months ago and it was all with gst, so no problem there. It is the installer who is offering to accept the third payment in cash (basically anything on top of his original quote which came up as a result of the stuffups with the…[Read more]

Terryw wrote:
Banks generally allow spouses on the same loan even when they are not on title. But non-spouses they don't like. (Spouse includes defacto).You want to borrow money to finish off a project – seems to be a good reason to me.

Thanks for that. Why is it they don't like non-spouses? My non-spouse is already on the first loan (as in the…[Read more]

Thanks Terry

Terryw wrote:
Since your mum is an owner of the property the loan must be in your name and hers – or maybe your name only with a guarantee from your mum.

I would much rather My name only with a guarantee from my mum. What about adding my partner's name to the loan. Would this be a problem?

Terryw wrote:
Lenders are also very fussy…[Read more]

Thanks for that Terry