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  • Profile photo of Robbie BRobbie B
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    May 10, 2005 - 11:23 pm
    Originally posted by Rodsway:

    you never returned my email rob.

    thought that would be in your job description.

    What email would that be Rod and when was it sent? Are you certain I didn’t respond and you just never received it? I hear a lot of people have problems with junk email filters. I always answer my emails as many here can verify regardless of the contents.

    By the way, I am not a BDM (YET!!!) :)

    Robert Bou-Hamdan
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    May 10, 2005 - 11:20 pm
    Originally posted by Dazzling:

    I use the CBA directly and find they are able to deliver loan products at an interest rate that all broker sourced products are not able to compete with.

    I would guess you are not familiar with matching policies between banks and brokers. You do realise that by going direct, you obtain no information about other products from different lenders (for specific situations) that leave the CBA for dead? As long as you are happy is all that matters though.

    Robert Bou-Hamdan
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    Profile photo of Robbie BRobbie B
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    May 10, 2005 - 2:37 pm

    dmichie, the reason I take issue with your comments is because they are not impartial, they are repetitive and you misinterpret everything that is said by others.

    There is another category besides bullish (positive) and bearish (negative). It is called ‘neutral’. I neither believe any bubble will burst nor do I believe things will boom. I am content with the current state of the economy and how it is correcting itself. I do not see any further huge movements in property or the Aus dollar in the next 18-24 months.

    I am just hoping the North Shore property prices boom out of control and the Aus dollar increases rapidly to prove me wrong though. I would be rolling on the floor laughin my ass off!

    Robert Bou-Hamdan
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    http://www.mortgagepackaging.com.au

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    Profile photo of Robbie BRobbie B
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    May 10, 2005 - 2:25 pm

    I would come sailing but I am worried Simon’s boat might sink if I jump on!!!

    Interested imagery regarding the dog though… have to see it.

    Robert Bou-Hamdan
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    Profile photo of Robbie BRobbie B
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    May 10, 2005 - 2:13 pm

    What do you think that little thing called the Free Trade Agreement is all about. The Government is trying to increase export sales through new agreements.

    Robert Bou-Hamdan
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    Profile photo of Robbie BRobbie B
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    May 10, 2005 - 1:04 pm

    Thanks for that Jenny.

    I actually met Jason through Simon Macks (aka Mortgage Hunter, aka Super Moderator) from this forum. He is a good bloke as well.

    Unfortunately, he is from Newcastle but we won’t hold that against him!!! :)

    Robert Bou-Hamdan
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    May 10, 2005 - 12:52 pm

    Terry already posted this earlier. I am not eligible! :)

    Robert Bou-Hamdan
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    Profile photo of Robbie BRobbie B
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    May 10, 2005 - 12:49 pm

    dmichie, why do you keep putting INCORRECT words in people’s mouths?

    I never said anything like high house prices are a good thing. Please open your other eye!

    For every comment you make, there is always an opposing view. A lot of people will also get into a lot of trouble with house prices dropping as much as you think they will. I don’t agree with your views which is pretty clear. For every winner, there is also a loser.

    I will never respect any of your comments until they are your own. You just regurgitate more and more negative articles that you find and spend hours searching to support the doom and gloomers in an attempt to support your very narrow economic views.

    You have an alterior motive which is to scare people off property so house prices drop further so you can afford to purchase the property you seek on the northern beaches. Get over it as it is getting very old.

    Publishers love people like you as the negative headlines and articles work so well on you. You will never see the happy stories in the media at great levels because they just don’t sell papers and magazines.

    Economists are nearly always wrong. You can quote 500 of them and it still won’t convince me. I believe in doing the exact opposite of the majority which kept me write out of the dot com saga.

    Any moron could have seen that none of the dot com stocks that collapsed were viable investments. They had disgusting PE Ratios and none were asset backed. When the economists started predicting the bust, it was already happening. I wish I had a degree so I could follow the flock or always be wrong and get away with it.

    Please give us all a break from this crap or move it to the less read opinionated section where it belongs.

    Robert Bou-Hamdan
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    May 10, 2005 - 12:27 pm

    The link that actually works…

    http://www.goldsec.com.au/wiremat.htm

    Robert Bou-Hamdan
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    http://www.mortgagepackaging.com.au

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    Profile photo of Robbie BRobbie B
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    May 10, 2005 - 12:21 pm

    BDM = BUSINESS DEVELOPMENT MANAGER (aka Relationship Manager (RM))

    Robert Bou-Hamdan
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    Profile photo of Robbie BRobbie B
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    May 10, 2005 - 12:00 pm

    To be as negative as you is just ludicrous!

    Why don’t you differentiate between unit prices and house prices when quoting figures instead of using such generic figures?

    House prices have not fallen anywhere near as much as unit prices!

    Robert Bou-Hamdan
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    May 10, 2005 - 11:55 am

    I think it has already been bought Terry.

    Robert Bou-Hamdan
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    May 10, 2005 - 11:52 am

    I don’t expect them to know about all the deals submitted as they deal with a lot of other brokers.

    I expect them to be:

    – contactable when needed and initiate contact on a regular basis
    – knowledgeable regarding processes and products
    – good teachers
    – prompt to act when problems arise
    – providers of tools, regular product updates and industry updates
    – representative of broker concerns to the lender
    – confident
    – realistic
    – positive
    – business minded
    – understanding of broker concerns

    That is about all I can think of right now.

    Robert Bou-Hamdan
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    http://www.mortgagepackaging.com.au

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    May 10, 2005 - 11:36 am

    Are you happy with your purchase?

    It seems like a good deal to me.

    Robert Bou-Hamdan
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    Profile photo of Robbie BRobbie B
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    May 10, 2005 - 11:33 am

    I already comply with everything except the residency requirement. Luckily, a BDM or other management role does not need licensing. Only those offering products direct to the public have to hold a license.

    Robert Bou-Hamdan
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    May 10, 2005 - 11:30 am

    Or asking a sensible one…

    There is always someone willing to attack!!!

    Robert Bou-Hamdan
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    May 10, 2005 - 11:27 am

    This has happened to me more than once. The third time with the same agent (because I was looking in the same area), I went and knocked on the vendor’s door. When I told him my FIRST offer, which was higher than the sale price, he went nuts!!! I told him to report the agent and recover the difference, plus what I was willing to pay, from the agent.

    It turned out that the agent was buying all the properties in this area with his friends as he knew of an upcoming development. There is shifty agents everywhere!

    Robert Bou-Hamdan
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    http://www.mortgagepackaging.com.au

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    May 10, 2005 - 11:09 am

    I might consider Perth. Have done the Gold Coast in a past life!!!

    Robert Bou-Hamdan
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    May 10, 2005 - 9:21 am

    dmichie, you will never see the bigger picture with your close minded views.

    Here is something for you to think about regarding deductibility of PPOR in the US….

    Non-deductibility of investment properties creates no demand for multiple property purchases. A small percentage of the population invests in other medium to long-term investments. The US will face the same baby boomers problem as we face.

    What happens when you have a huge chunk of the population without a means to support themselves because there was no incentive to do so through their life???

    Robert Bou-Hamdan
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    http://www.mortgagepackaging.com.au

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    May 10, 2005 - 8:24 am

    dmichie, I certainly do NOT agree with that statement!!!

    Why should company tax be the same as personal tax? Companies don’t use hospitals, welfare, etc…

    Abolishing negative gearing is like abolishing deductibility of business expenses.

    Your theory would cripple the country.

    Robert Bou-Hamdan
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    http://www.mortgagepackaging.com.au

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