Hrmm… Melbourne has been voted the “most liveable city in the world”, so it must have something going for it

Steve.

“Knowledge is Power”

Blondie,

Try the Book Review topic in the “Heads Up” forum. Read people’s different opinions on the same texts, and then make a decision as to which would best apply to you.

The local library is probably the next step after that, and should keep you busy for a while []

Good luck,
Steve.

“Knowledge is Power”

Heh, it’s Gas Wall Furnace.

Thanks guys!
Steve.

“Knowledge is Power”

What do you mean you checked 15 mins ago, it takes them 10 days to send your report out (if you requested the free one anyway), or did you mean that you just received your report.

Where do you get “the free one”?

Steve.

“Knowledge is Power”

Hey guys,

Just making sure that I understand the bit about no CGT for 6 years.

1. Buy a place using FHOG.
2. Live there as PPOR for 1 year.
3. Rent out for 6 years (claiming deductions on interest payments, depreciation etc.)
4. Sell towards end of seventh year of ownership and bear no CGT liability???

Is there a set period of time (eg: 1 year)…[Read more]

Thanks Simon!

They will examine your serviceability as when the IO term expires the repayments will be higher again as a result of the lessened term.

When you say “as a result of the lessened term”, do you mean the term of the original P&I loan?

eg: 25 yr P&I being paid for 5 years, then take IO for 5, then there is a “lessened term” of 15…[Read more]

LOL!

Still havent been able to find out, but thanks for the many suggestions!!

Steve.

“Knowledge is Power”

Unchanged, but 25 points in Apr or May. []

“Knowledge is Power”

He opens the door to reveal “the blinding, but immaculate white light of Heaven???”

*shrug* []

Steve.

(ps: Or the “fiery, but spectacular orange and red flames of Hell???” [}])

“Knowledge is Power”

err…..Vote 5? [:p]

Steve.

“Knowledge is Power”

Simon,

Choice package is good, but has some stuff in it i dont need at this stage.

I have a feeling that I can even get some employee concessions off the choice package too [8D] I heard of a colleague who went the choice package and got a .15% discount also.

Thanks for your help!
Steve.

“Knowledge is Power”

Hey Stu,

Is salary sacrificing where you voluntarily contribute extra cash to your super, or some other area, or both?

Steve.

“Knowledge is Power”

March: No
April: Yes

Steve.

“Knowledge is Power”

1157 (fourth attempt) []

Weird game! [?]

“Knowledge is Power”

Thanks for the replies Stuart and Simon.

It’s at NAB… Benefits of being an employee [:p]

As an employee at NAB, you get no app fees, no usage fees, LMI waived up to 90% LVR (if you are on my pay level or higher), and I think around 0.15% off all home loans except I/O.

The reasons I chose this loan to ask about is it seems to fit my…[Read more]

Just fyi Yack,

Apartment prices in Mordialloc for 2003 had the third biggest loss in VIC with a 12.3% drop, and Parkdale the fourth, with an 11% drop.

This was stated in an article in The Age, 27 Feb, 2004. (yesterday).

What suburb do you live in btw?
Steve.

“Knowledge is Power”

Hey Teacher,

It sounds like your computer is infected with adware.

Try http://www.kephyr.com/spywarescanner/index.html?source=appvisit

Here you can download a free adware/spyware scanner which has new updates every day. It might have instructions on how to fix your virus (and any others your computer has) []

Good luck,
Steve.

“Knowledge is Power”

hnicolitsis,

If you look at the menu on the left hand side of your screen, you will see “Private Messages”. Click on that, and the menu will extend downwards to show “New Message”. Click on that and you can send a Private Message (PM) to any member. Try sending a message to membername “SteveMcKnight”.

Hope this helps,
Steve.

“Knowledge is Power”

Thanks for the reply Steve. [] I’m studying BBus(Bkng&Fin) / BComp. Basically a double degree of banking & finance and computing. Boring, but if all goes to plan it will start me off on my retiring at 45 goal.

FYI, what I did was to rent first to save the money to get into property with the goal of building an income for life (delaying…[Read more]

Actually, i’ve just read the post on “loan servicability” a few back. Thanks anyways!

“Knowledge is Power”