Recent content by JoshyBoi

Cheers for the feedback RH, The request for pm & id is just to stop abuse because we offered this here separtely as well as via ozbargain - http://www.ozbargain.com.au/node/40241 If not for that, I would have simply said mention Somersoft with no need for other formalities :) As for...

Can't really contribute, but just wanted to say great approach! Sometimes things feel/seem a lot bigger then they are and by doing this you are avoiding unecessarily putting people offside.

Hey all I said in an earlier thread that I'd offer free coffees to SSers when our cafe finally re-opened - well good news, we finally re-opened on Saturday! So here's the deal, we're currently running an external promotion where we are giving away free coffees for a week...I'd like to...

Was gonna say exactly this! Excel is a very powerful program if you know how to work it =)

cos i didnt see it? I never suggested having 500k in there, nor locking money away for 5 years...neither I would do... Its about making the most efficient use of the money whilst saving it for something else... Thanks for the helpful contribution tho!

Definitely agreed re the distinction Rolf - I know (and I think many people know) they can personally afford more then the bank's think I (or they can)! Not sure I understand the clarification...but the reason I was asking waas to understand the distinction and to decide whether I should open...

Question was purely because I wanted to understand how it worked as I thought the difference would be negligible =) Margs point is good, if you have the PPOR thats the best spot to stick it. Cheers for the responses

Query I have following on from Sash's comment: from this thread. This is probably more a Q for the brokers...but is that true? I would have thought have 100,000k in an offset where the loan is at 7% would be better then having 100,000k in a term deposit of 6%... In the offset...

feeling a tad creative there dazz?

talking to CBA today and they were offering upfront discounts off the bat with their wealth package...no need to even ask for it... LVR < 75% 150k-250k - 0.5% 250k-500k - 0.75% 500k-750k - 0.8% 750k+ - 0.85% LVR > 75% 150k-250k - 0.5% 250k-500k - 0.7% 500k-750k - 0.75% 750k+ -...

Rixter....I am now a lawyer ;) Just help out on Sundays at the cafe...:)

I should start out by saying I'm pretty biased on this topic, i'm a self-taught barista and have spent years working the coffee machine...its not about the coffee so much as who's making it! Milk shouldn't be burnt, it should be in the 65-72 degree range. That said, the coffee machine should...

How did you get to a 'G'? The result should always be 4, as you are essentially quadrupeling the first number and then dividing by the original number? Or did I miss your point :P

At least for those who think about it long enough...that said, my parents were still amazed for hours!

I agree with Wifey Maybe cause they get a nice healthy commission if you buy it :D I'd avoid almost entirely because of bathroom situation - who'd want to be going up and down stairs to take a shower!