Search results

  1. chran

    are people getting ruder? (not talking ss here)

    I think Japan ticks most of the above :) Edit: No lootings, riots after the earthquakes/ tsunami/ nuclear happened! I don't think this would happen anywhere else nowadays (excluding non-nuclear places eg Tibet).
  2. chran

    What sets you apart from the RE whales?

    There is no truck :) All I'm saying is that you understand the moral dilemma more that you realise.
  3. chran

    What sets you apart from the RE whales?

    You understand more than you admit: The situation is bad for them (flood victims). They're selling because they must (ie insurance doesn't pay, bank sells it, etc). It's morally wrong to take advantage of these people. And: You said it yourself. Buying from these people means taking...
  4. chran

    are people getting ruder? (not talking ss here)

    The answer is a collective yes :) Question is what can we do about it? I plan to start with my kids (when we have them that is).
  5. chran

    Cooking smell - herbs and spices

    I don't think you need to worry about racism with your post jigglypuff - I can see it's about smell, never race. It's true that cooking smell can linger around for a long time (years) because the vapours are absorbed by the house (porous materials - internal walls, grouts etc) . It depends on...
  6. chran

    What sets you apart from the RE whales?

    Morality & capital :) I want to be a whale. I just want to do it nicely - keeping a balanced life, my partner happy, not stuffing others (ie. buy from natural disaster victims) etc. Yes it would take longer, but it makes me feel better (no point being filthy rich if I'm not happy with...
  7. chran

    pls check my figures, tell me if i'm right

    Ah got it. Thanks for the clarification :D
  8. chran

    pls check my figures, tell me if i'm right

    jrc, what is "net income" in the formula - rental income, profit if selling, or household income (wages)?
  9. chran

    to renovate or keep equity to buy a rental property??

    Have you consider putting it in offset account instead? Same effect as redraw but more flexible. It depends :p All things being equal, I always go for house (land).
  10. chran

    to renovate or keep equity to buy a rental property??

    Well done on the savings :) IMO it's too early to spend (waste?) it on reno. The fact that you're contemplating reno or investment means that you could 'suffer' without reno a bit longer. I say get an investment as long term, it's better for building wealth (assuming that's your goal). Given...
  11. chran

    Opinions on Henley Homes

    Hi Gabstar, a different opinion here. I don't like Henley's houses. I find that they're not bright enough and look too similar (different house, same color scheme :eek:). I think you have to decide how reliable the reviews are and go from there.
  12. chran

    Does first PPOR hesitation exists?

    It's normal to hesitate, and I'm sorry to say that you won't find the one. I'm not being mean, it's like finding a partner where your 'the one' has positives & negatives (more of the former of course ;)). Have a list of must-have's, nice-to-have's, reno-to-have's etc (I prefer in that order...
  13. chran

    Can you recommend a good savings account?

    Never took it for one :D I also have a trading account but leave $0 in it - otherwise I forget that it's earning taxable interest no matter how small :eek:
  14. chran

    Can you recommend a good savings account?

    I wouldn't say no one :) I believe most mortgages come with free savings accounts. That covers most people in this forum (myself included). Also like I mentioned in my last post, ING has Orange Everyday account which is free & may suit you.
  15. chran

    Can you recommend a good savings account?

    Had a quick look at ingdirect.com.au and it seems like we're talking about 2 different things: I was talking about their "Savings Maximiser" account and you the "Orange Everyday" account so we're both right (now that doesn't happen very often :p).
  16. chran

    Can you recommend a good savings account?

    Maybe stating the obvious: accounts like ING needs to be linked to an existing savings account - you cannot close your old account and keep the ING one.
  17. chran

    Will I be charged late settlement fees??

    What does your contract say? My understanding is "normally" the buyer must pay interest for every day settlement got delayed. It's worth asking the solicitor to negotiate - you might be able to get away without paying/ paying less.
  18. chran

    Stamp Duty on OTP

    JIT, I think it's too late (was in similar situation 3 years ago) - VIC - not sure about other states.
  19. chran

    2nd Property - Finance structure

    Thanks for the link Terry - bookmarked (and I now know that all costs are tax-deductible if it's for investment purposes)!
  20. chran

    very low income earner

    Kudos @ your ability to save - and I thought I'm a penny pincher :eek:. Your saving ability is a GREAT skill to have, so keep at it. I think "you're over it" because you don't reward yourself. How about setting a path eg. if I could save $300 a week for the next 6 months, I'll get myself a DS...
Top