Hey there,

You know we never did get the answer to the shop one!!!

What about the marbles one mortgage hunter…do you know how to get that one as well? I got a headache thinking about it. Obviously not a logical thinker!!!

Answers please, before my brain explodes.

Rachel[withstupid]

Hi,

I used to work for Medibank Private and there is a 12 month waiting period with them on maternity. IMHO private health insurance is only worth it if you use it to your advantage. This means ancillaries. Use all your limits every year or you are ripping yourself off.

If you have the discipline put the $100 or so it costs per month to have…[Read more]

Thanks Steven,

Are those interest rates you mentioned fixed or variable? Do you think I would be better off sourcing the finance from the kiwi banks myself…ie better deals.

Rachel.

Hi All,

PI Daycare sounds great. I might actually learn something other than how to get crayon off of the walls and play do out of the carpet.

My two little ones are Emily(4) and Tyler(1). Just the two, girl and boy, all done, no more for me. I actually find that I have hardly any time left throughout the day for things like this. They keep me…[Read more]

Hi Geo,

I’m in NSW. The beautiful Blue Mountains to be exact!!! It’s a really lovely day here today too! I love Autumn!!

Keep those jokes coming![clown]

Rachel.

Whoa there nellie,

I didn’t mean to start any arguments down here, just wanted to get some gossip. It gets so lonely in the house with 2 children under 5 all day, I needed some adult convo and besides I missed the whole episode. If I’d put the post on Opinionated it would have blown up I’m sure and I didnt want that to happen. Thought that down…[Read more]

Hi friends,

You know I don’t know any of you, per se, but I feel as though I do through reading all your posts. There’s nothing wrong with a bit of heat every now and then, I’m sure every one of us has had an argument with a friend before and still been frinds.

Pisces- I enjoy your posts. They’re informative and educated, sometimes on the…[Read more]

Hi Sandy,

I can’t help you specifically myself but a suggestion is to put your post on the vendor finance/wraps section and see what replies you get from there. Someone might be able to offer you with vendor finance on the property you would like to buy.

I hope you are doing okay medically. My son was diagnosed with cancer last year at 10 months…[Read more]

Hi All.

Pisces you have hit the nail on the head with your first post. Everything that happens, I believe, is for a reason and you may not understand why at the present but I believe that eventually if you are meant to undertand why it will be revealed.

My daughter is 4 years old. We have a S/C fire. In July last year she burnt herself quite…[Read more]

Hi,

We have friends who live in Umina Beach and really like it there. It seems like a good family place with a nice beach and decent shopping centres etc. Can’t tell you much in regards to schooling as they only have a 3 year old, but it seems like a reasonable area to live.

Good Luck with it,

Rachel.[biggrin]

Hi,

My parents offered to gift us the deposit for our first home but realistically we wouldn’t have been able to pay them back until we sold it and we weren’t comfortable with that idea. Then they came to us with the plan for them to buy it as an IP and sell it to us at the same price in a few years when the equity gave us enough to not need a…[Read more]

Hi all,

I definitly think giving small gifts to your tenants is a great idea. Although I as yet have no IP’s I will be making the effort to do this to those tenants that deserve it when I get any.

Soon I will be becoming a tenant myself, not because I can’t afford my own home but because I want to invest my money in IP’s. Never assume that your…[Read more]

Hi all,

My parents were kind enough to purchase our fist home in their name as an IP. We made all the payments and they caught a tax break so it was beneficial for both parties. When we had built up enough equity in the home to buy it ourselves without a deposit we did so. They sold it to us at the same price they bought it for…no CGT. The bank…[Read more]

Hey Rugbyfan,

You never can have too much milo you know!!!

The house is only clean cause I clean it everyday about 50 times!! Notice there are no shots of the kids bedrooms!!! I know you know what I’m talking bout.[suave2]

Rachel.

Hey Russ,
Good effort!!! I’d be pleased with that! I bet you’ll miss relaxing in the garden when you sell it. I’m selling my house too, anyone interested, it’s obviously not a +ve CF property. Here’s the…[Read more]

I’m definitely a chocolate on chocolate kind of gal! [wink2]

Rachel.

Hi All,

Most agency’s and Property Managers all have a database called TICA which lists any bad tenants that other PM’s have had to deal with. As a general rule they should always check a potential applicant against the list on TICA before approving a tenant for your property.

I would check that they use this (all the good ones do) and that they…[Read more]

The posts would be 250ft from each other.

Right?!

Rachel.[blink]

Thanks everyone,

I can’t really afford to buy in my local area…prices too expensice (Blue Mountains) and definitely way -gve. At this stage I am looking at regional areas and NZ. I think once I have made my first purchase I will feel a bit better about the next one. It’s scary though!!!

I am looking at both +ve and -ve properties for balance…[Read more]

Well, you know what they say…

Big ears, Big…..hearing.

Yeah I know I crack myself up too!!

Rachel[thumbsupanim]