Recent content by calvin@34

  1. calvin@34

    Mortgage stamp duty mistake on increased LoC

    When I was a young lad, .... Back when I worked in the NAB (before I saw the light), they removed all the 'Securities Officers' positions to a centralised building in each Capitol City in order to remove just that kind of cerfuffle. All the mortgage docs were comming form one centralised place...
  2. calvin@34

    Licensed to Charge interest

    I spoke to the council Friday and they said it was part of the Local Government Act!?! Can any-one of the leagle eagles confirm this??
  3. calvin@34

    Licensed to Charge interest

    Hi all, A while back I was told that, in order for you to be able to charge interest, you need to be licensed as a finceer or finance provider. So I, as an individual Business operator, can't charge my client interest on late payments UNLESS I am licensed!:confused: So if that is true...
  4. calvin@34

    Bird flu - Worst case senario

    I hope so! I need lots of equity to trade up for useful goods to trade when the pandemic sets in, you know like shot gun shells and Cork screws, wine glasses - the usual!:D
  5. calvin@34

    PERTH - PIG meetings???

    LOL .... That would make the Port Hedland Investors Group P.H.I.G! I don't even want to think what would happen if our group would join the Bunbury and Perth group :D ... especially if we followed alphabetical listings protocol ... cos that would put our group right in the middle.:eek:
  6. calvin@34

    Bird flu - Worst case senario

    Pandemic - Short term solutions????? Hi all, I read this whole post with great detail as I recently had a chat to a friend that has been watching the ABC series on plagues and the like (sorry, but the programs name eludes me). The conflicting thing for me is that, according to my friend...
  7. calvin@34

    My 95% finished DIY PPOR kitchen

    Hehe, we are converting to plastic! :D I believe in child labour (so does my wife - she had no choice really:eek: ). We try to teach them how to cook and clean, but some-how school just gets in the way and confuses them. We ended up with food fights and sticky plates, so in the end we...
  8. calvin@34

    Stoopid Question about Compunded Interest

    Looks good Allan, all it would need is to add "+C5" into the "B6" cell so it reads =B5+C5; copy the new formulae down to the bottom and you get the compounding effect! This would show on a day-to-day basis and is great, but I wanted something I can use to look forward on a monthly/ yearly/...
  9. calvin@34

    Stoopid Question about Compunded Interest

    Yes, I had that on my notes, but wasn't too sure how to express it on this forum. I will take note of the little 'doo-hicky' for future referrence. Cheers
  10. calvin@34

    Stoopid Question about Compunded Interest

    Great Michael, thanx! I've been fudging the results trying to get it exactly, but now it makes more sense. I figured it wouldn't be per week as that resulted in some very good returns for me and that just isn't so. I'm glad I asked the question now, learned something new again! thank you...
  11. calvin@34

    My 95% finished DIY PPOR kitchen

    Get in line - I saw Him first! You'll have to wait, Geoff. I am willing to share but I put dibbs on him first!:D Can't stand dishes! Unlike Jonnyb's family, I get left alone to take care of the dirty work! My children are only 3 and 4 so I'm not comfortable about them climbing up and...
  12. calvin@34

    Stoopid Question about Compunded Interest

    Hi Goeff, have you tried it? I saw on one of the threads here a simple spreadsheet by Michael Yardney that would simulate this, but it would be tedious to set it up for, say 25 years. Recently I got to watch an older movie called "The Bank" with David Weham and Anthony Lapaglia where they came...
  13. calvin@34

    Some great ideas for hide-and-seek

    Book Opportunity I recon this would be a fantastic Book opportunity - I'd buy it for sure! I too, love puzzles. GP - great link. I love the Vase niche and the secret staircase to the other room. My son loves the recline going into the spiral slide to his "Toy Room" as he decreed it! :cool:
  14. calvin@34

    My 95% finished DIY PPOR kitchen

    Finally got thru the instructions ..... be inspired! Well here it finally goes:
  15. calvin@34

    Stoopid Question about Compunded Interest

    Thank you Davidr, I was hoping so, as that is the feeling I had. It IS always good to know how things work! Ohh, and .... I stand corrected!:rolleyes: I had it the other way at first and thought of the Principal of a REA Business and then changed it.
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