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voigtstr
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@voigtstr
Join Date: 2005
Post Count: 176
March 8, 2006 - 4:13 pm
what’s their web address?
voigtstr
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@voigtstr
Join Date: 2005
Post Count: 176
March 8, 2006 - 4:04 pm
Moderator HELP! I’m being spammed in my favourite forums!
At least he’s not telling me I won a lottery I never entered and he needs my bank details.
voigtstr
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@voigtstr
Join Date: 2005
Post Count: 176
March 8, 2006 - 3:57 pm
Originally posted by robo:
Where is Perth?
on the highway between Hobart and Devonport. There are probably other Perths in other states as well though.
voigtstr
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@voigtstr
Join Date: 2005
Post Count: 176
March 8, 2006 - 2:12 pm
Originally posted by Trade Off:
Originally posted by voigtstr:
Thank you for the replies. Initially to pay down the debts I was paying more into the account that had the highest interest. Lately I’ve been paying more into the account that had the smallest balance. The theory is, you can see the progress quicker. So I am paying the minimum payments (except on the 5 year fixed mortgage where we pay an extra 79 a fortnight) and paying the left over from the budget (minus a buffer zone for incidentals) into the account with the smallest balance. As each debt is payed off the amount that would have been paying its minimum payment is added to the next debt accerlating the rate of payment.
I would stop paying the extra 79 a fortnight off the mortgage and use it to pay off the other loans first. The interest rates will be much higher on the cc and personal loans. These are the ones you want back to zero pronto:)
cheers
ani
http://www.tradeoff.com.au
the new card for investors
I would do that, but my partner and I are paying off the house equally, the consumer debt is in my name only. So I’ll treat my consumer debts separately to the mortgage. Once my debts are gone I guess its time to worry about business structures and how to go about buying properties…
voigtstr
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@voigtstr
Join Date: 2005
Post Count: 176
March 8, 2006 - 5:52 am
Thank you for the replies. Initially to pay down the debts I was paying more into the account that had the highest interest. Lately I’ve been paying more into the account that had the smallest balance. The theory is, you can see the progress quicker. So I am paying the minimum payments (except on the 5 year fixed mortgage where we pay an extra 79 a fortnight) and paying the left over from the budget (minus a buffer zone for incidentals) into the account with the smallest balance. As each debt is payed off the amount that would have been paying its minimum payment is added to the next debt accerlating the rate of payment.
Re the ING 5 year fixed mortgage (it was the only way to get lenders mortgage insurance) I’m allowed to put in an extra 10k a year before they would charge break costs. If it gets to the stage where we can comfortably pay more than 10,000 / 26 a fortnight extra would the extra money be better served going into ingdirect at 5.4% or would it be better to calculate break costs to switch the loan to variable rate with an offset or a redraw.
Cheers
Simon
voigtstr
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@voigtstr
Join Date: 2005
Post Count: 176
March 7, 2006 - 2:38 pm
re the sewerage, what’s the price for getting it connected?
(sorry I have no clue about what kind of engineer would be required to assess the steep sloping block)
voigtstr
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@voigtstr
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Post Count: 176
February 2, 2006 - 6:27 am
I’ve been getting by with Excell. I use 3 or 4 columns for each month, put my take home pay figure at the top, list all recurring expense below, and see how much is left over, I then allocate most of the left over amount to debt (starting with the smallest figures first to get them out of the way, so that more can go on the next highest amount when the smallest is paid) I try to keep some aside for unexpected bills.
If something like car rego comes along (or my case motorcyle rego..dont have a car) then it just means I cant pay as much off the debts (I might have to make minimum paymets for example)
As I pay each item, I color the cell in excell so I know its paid..towards the end of the month I can easily see how much is left to pay, and compare that to whats in my bank..
Its sort of working for me so far anyway
voigtstr
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@voigtstr
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Post Count: 176
January 7, 2006 - 3:50 am
Originally posted by mja:
Hey voigtstr,
Originally posted by voigtstr:
what happens when they download over 20 gig of movies or music or tv shows in month, do they get shaped or are there extra charges?
Shaped to 28.8k, or thereabouts.
What happens if there is a problem with their connection, if they call the ISP’s helpdesk they wont have all the account details I think.
Now that raises a good point, unless I provide them with all the account details, which they can use to contact the ISP…
Unless you become their helpdesk
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voigtstr
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@voigtstr
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Post Count: 176
January 7, 2006 - 3:39 am
nevermind it was in his newsletter from 1/9/05
“This offer, unless earlier withdrawn, will lapse at (time) on (date).”
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voigtstr
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January 6, 2006 - 7:54 pm
while deciding what to do, why not wack it INGdirect at 5.4%
thats 4500 interest a month (just make sure you put half of that aside for the tax man.) (actually not half…see below)
54000 a year in interest..
using ato’s simple tax calculator you would have to pay 12,372.00
Now thats just while you are wondering what do do with it…you can actually earn more than I do a year..just off your interest.[smiling]
voigtstr
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@voigtstr
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Post Count: 176
January 6, 2006 - 7:32 pm
Your 70k a year of risk, sounds better than my 50k a year office grind working in Collins Street Hobart.
My partner and I did a plastering course (1 day) at the tafe and we would love to be Reno Kings
(buying our PPOR first though (maybe even tomorrow))
voigtstr
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@voigtstr
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Post Count: 176
January 6, 2006 - 6:53 pm
I believe REIT contract already have a finance clause on by default.
Can anyone remember the exact wording that Steve uses on his contracts for the sunset clause… something along the lines of This offer is valid untill (time)(date)..
I know I’ve read it somewhere and cant remember if it was in one of his books, in a forums post, or one of of his newsletters..
voigtstr
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@voigtstr
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Post Count: 176
January 6, 2006 - 6:31 pm
Originally posted by voigtstr:
Ive got both of Steve’s books, Whats the exact wording of the sunset clause to use on a contract? I cant find it in the books?
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Anyone? We are going to the open home today, and I need the wording to put on the contract today
Basically the correct wording for the following gist “this offer will lapse if not signed by the vendor by (time) (date)” Does anyone have the exact wording handy? Please?
voigtstr
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@voigtstr
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Post Count: 176
January 6, 2006 - 9:50 am
Ive got both of Steve’s books, Whats the exact wording of the sunset clause to use on a contract? I cant find it in the books?
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voigtstr
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January 6, 2006 - 7:43 am
thanks Dr X. I emailed the solicitors and they said 9/10 times people have already got the contract signed when they come to them for conveyaning. For 150$ she could do a title search and put the conditions we wanted on a standard REIT contract.
My partner can do the search for 40$, and has REIT contracts in her office to look at. So we will do what 9/10 people in tassie do and that is make the offer on the contract. The only thing left is to make sure the wording of our conditions are right.. We want subject to finance (which from memory is already on the REIT contract), subject to satisfactory builders inspection, and a sunset clause so they dont drag things out. Sound ok?
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voigtstr
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January 4, 2006 - 5:15 pm
what happens when they download over 20 gig of movies or music or tv shows in month, do they get shaped or are there extra charges?
What happens if there is a problem with their connection, if they call the ISP’s helpdesk they wont have all the account details I think.
More stuff on the voigtstr at http://users.bigpond.net.au/voigtstr
voigtstr
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@voigtstr
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Post Count: 176
October 5, 2005 - 5:18 am
anyone spotting/finding cashflow +ve deals in Tasmania?
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voigtstr
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September 30, 2005 - 9:55 am
Originally posted by foundation:
And there’s not a gorram thing the RBA can do to fix it.
F.[cowboy2]
Are you a Joss Whedon fan by any chance?
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voigtstr
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@voigtstr
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September 26, 2005 - 1:17 am
Originally posted by C2:
Nice bike but a little expensive for my taste. What speed have you had it up too? Why the trip to the Lamborghini factory?
Top speed so far, carrying a pillion, on the east coast of tassie was 180 km/h
re lamborghini, I’ve loved them since I was a kid, but I wont buy one until I can pay cash for one, and not have the insurance etc slow down the investing. Since I havent actually started investing yet, you could call the lamborghini factory a motivation tool!
Cheers
Simon
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voigtstr
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@voigtstr
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Post Count: 176
September 20, 2005 - 12:14 am
what did the fellow motorcyclists think of my 2001 model Moto Guzzi (follow my sig for pictures) cost 21800 new… thats getting up there for a motor bike.
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