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    Keymaster
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    lmao @ thanx for the compliment now get lost. Aussie I love ya attitude!! Str8 to the point..no messing around LOL

    AS for other forums…..I have used a few. There will always be arguments coz people cant agree on everything. One forum Ive used for over 5 years is still going strong..and we have all had our tiffs…but essentially you get over them. You just have to realize that not everyone likes vanilla ice cream LOL

    Most of the people here are level headed and intelligent…not me…..but MOST of them. LOL [:D][:D][:D]

    .

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    LOL I feel bad so Ill do a proper one [:D][:D]

    34….Married…2 kids…too many animals.
    Arty is my soul mate..he is the one that keeps me grounded and after 14 years….hey I still like him enough to let him stay!! LOL
    The kids are 7 and 10…the youngest is like her father, quiet most of the time but dont get her angry!! Our eldest…shes me…a little too emotional…except shes waaaaaay more into drama and tears. I hate to cry LOL
    Red/Pink/Blonde hair….5 foot 8 with a curvy cuddly build…blue eyes….I sunburn easily..Im told Im attractive….so as long as people keep saying that Ill keep writing their cheques! LOL I have a wicked streak a mile wide (probably wider)…I work in retail selling adult products (GASP!! SHE DOES WHAT????) LOL and I am the one that is always laughing at you…..I mean WITH YOU!!! Trust me!!
    I dont take life seriously unless I have too and I beleive if you are going to be someone…it may as well be yourself!!
    I organize people well because Im a leo but Im ALWAYS unorganized myself..and when things get tough…people find my shoulders are always there to cry on. Im a good listener and Im great at cheering people up [:0)][:0)][:0)]
    I wear a size 8 in runners and a size 10 in heels, Ima smoker and social drinker…..I have more bad habits than good….but Im loyal, well trained and I only bite of you ask me too! [}:)][}:)]

    Hope I left nothing out…[:D]

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    ok…..I do NOT like the idea of this dutch auction idea….so I will do my best to avoid them!
    Thanx for all your input….its good to know and hear how people find ways to realize their dreams [:D]

    ~ If at first you dont succeed…destroy ALL evidence you ever tried to begin with! ~

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    LOL @ fatboy. Me thinks roses and chocolates may have gotten you a free hair cut….but then…..do u trust someone with sharp instruments to come near you if they are a tad annoyed with u? LOL

    As for my hair…its cherry red not carrie red LOL

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    I got 33 first time around…so Ill be back after Ive practised….or gone insane. Whichever comes first. [8D]

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    Bill,

    Bring On A Fist Fullofcoin !

    Phil

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    wilandel thats good to hear!! (I dont have a nice word to say about RE Agents so its great to hear they exist LOL)

    As I have learnt so much from this forum already, do u mind teaching me a new thing? What the heck is a dutch auction LOL?? I have never heard of this expression before!! [:I][:I]

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    Ouch! Terry I just read the product info sheet. They want a total of about 7.4% of the loan spread over the first 5 years as an establishment fee. $37,000 establishment fee for a $500k loan. It seems that any tax advantage would be negated by this fee, or do I have it wrong?
    Jim.

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    quote:


    why not draw to 100% value of your i.p., pay off your ppor and then the whole lot is deductable, without the worry if the f#*^?#@ a.t.o agrees or not.


    I think you’re missing the whole point of a split loan, Investron. The purpose is to borrow for the bulk of both your PPoR and an IP at the same time, but fudging it so that you get a bigger tax deduction compared to two separate loans.
    With a normal split loan you end up effectively shifting the loan from both the ppor and IP to just the IP, but with the Tonto loan you just pay more interest on the IP loan from the start. The effect would be similar in the long run, but probably more effective in the short term.
    Regards, Jim

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    Just to add my two cents worth, I am reasonably disappointed with the FHOG. Back many years ago, I purchased an investment property, paid all the appropriate taxes etc etc, and rented it out.
    When it came to buying my first home two years ago, I wasn’t entitled to the FHOG, as I had already owned a house.
    Where is the fairness in that? It’s never been a true FHOG. Its been a first house/bit of property grant.
    If I had invested in shares instead, I could have gotten the FHOG for my home.
    And the govt still got all the extra stamp duty for the investment property as well.
    That’s my spit!![}:)][:(!]

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    sooshie thanx (in advance).[:D]
    I grew up on a farm..so Im used to weird and wonderful pets. We had a joey living with us for a year…..and a carpet snake for a few years. Over 40 horses..a sheep..a dog and a few cats…and a rabbit LOL

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    sooshie I aint educamated enough to right a book!! LOL I just dont stay interested long enough in my own story hahahaha

    as for

    quote:


    0 to 135 Naked Men in 3.5 years..



    Now THAT idea I LIKE!!!!!! [;)][}:)][:P]

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    lmao @ yoda!!!

    I looked twice at that one

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    lol I got 54…..but my fish wouldnt move so I dont know how I managed it [:O]

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    LOL the african cat is called a serpal and they are gorgeous and expensive……and an animals love is unconditional…..unless you are trying to flea it or bathe it LOL

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    muppet when you ARE buying it all….and you ARE 12 inches and ready 24/7…..remind me to give you my email address!! LMAO [}:)] [}:)] [}:)] [}:)]

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    sooshie can I ask how your sister got into volunteering for wildlife Victoria. I contacted WWF and all they wanted me to do was send money money money. Any info would be appreciated :)[:D]

    As for the animals…..when we adopted my mums blue heeler….her name was maree…..but now she answers to marsbar LOL Shes 10….and shes taken to a housefull of kids and cats really well…except when the kids go out the back to play…..she painstakingly collects ALL of her chew toys and hides them in HER kennel. Then she guards them so the kids wont play with them LOL Its cute to watch….and look I went off topic again *slaps self*

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    [:D]bear…..that was great reading!! LOL I laffed!!

    sooshie…..my lips are sealed!! I saw nothing!! I heard nothing!! I KNOW NOTHING!!! [;)]

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    ok…..who wants to be a fish?

    http://www.xgenstudios.com/fishy/index.htm

    ~ If at first you dont succeed…destroy ALL evidence you ever tried to begin with! ~

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