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  1. J

    PPOR to IP

    Just be aware that repairs and improvements are treated differently. e.g. You can't wait until a tenant moves in then fully renovate the bathroom and claim it as a repair. However, it is probably a good idea if something is getting old but replacing it wont improve the rental return, to wait...
  2. J

    Why don't Brisbanites like Sangdate/Brighton?

    Brisbane's coast is not like much of Sydney's, with large areas of land being wetlands/mudflats. The nice coastal areas are either side on the Gold and Sunshine Coasts so the coastal areas are more about boating related activities.
  3. J

    How long did it take you to save for your first property?

    12-months for the wife and I to save for our PPOR from when I started my first full-time graduate job. Then it took about another 6-months to win a property we liked due to the heat in the First Home Owners lower end of the market at the time.
  4. J

    Nab negotiate rate

    I thought my recent letter said there is no Homeside anymore and it's all back to NAB?
  5. J

    How do you book your overseas holidays? Hints, Tips

    I've always picked my holiday areas to research then use trip advisor, some of the hotel booking sites and general googling to support, then booked it myself. I'm skeptical about travel agents in general as they're just another finger in the pie. I have had some friends that have scored some...
  6. J

    What's your asset-debt ratio limit?

    About 75% here with some decent buffers in an offset. Taking it easy until the wife returns from maternity leave in January.
  7. J

    Tenant end of lease difficulties

    Hi guys, I'm after some opinions on an exiting tenant situation that my PM is trying to manage. Due to a number of issues with a tenant in a townhouse of mine, primarily a large series of domestics/noise complaints and more recently some late rent resulting in a couple of breaches, we...
  8. J

    First IP- Where to Buy 100K-200K with good return

    z611143 Your gross yield is based on the yearly rent compared to the purchase price. i.e. ($330 x 52 weeks / 265k) * 100 = ~6.5% This is a useful rough guide but don't forget to take into account the expenses.
  9. J

    Developers what have your learnt so far??

    I'm curious how people find the right professional team to assist them. Is it through trial and error (i.e. after potentially costly lessons on who not to use), word of mouth references, or something else?
  10. J

    unsure of options

    What about your father using some of his equity to guarantor part of the loan?
  11. J

    Ideas for this kitchen space please?

    I've been pretty happy with the quality of the Kaboodle range at Bunnings. The other lower ranges do mostly look like junk.
  12. J

    Anyone have HECS debt and what do they think about new budget rates?

    It doesn't get applied until you do your tax return which confirms the amount you need to repay. I think the payout figure should be after last FY's contributions plus indexation.
  13. J

    Any see the Nathan Birch interview with Kochie on Sunrise?

    I did. Well done Nathan. You could definitely see where Kochie was trying to head and while being polite, you could feel the undertones of him not agreeing with the strategy rather than it being about shedding light on the approach.
  14. J

    Moving from Melb to Canberra

    There always seem to be a number of interesting events on every other weekend if you know where to look. The people that say it is boring/bland are usually either generalising based on other peoples comments or are focusing on the lack of party night life. We've loved raising our family here so...
  15. J

    Advice please, baby going through super clingy phase

    I think it's different for each child. Mine went through a stage at probably a similar age for a few weeks where I was the only one he wanted to deal with, and then a month or two later it was the same toward my wife. He's 2 now and hasn't acted that way for a long time. Just make sure the...
  16. J

    Kia or Hyundai

    I just bought a new 2013 plated Kia Cerato after narrowing it down between that and the i30, which is practically the same car with some different finishings. The reviews made it to hard to make a call, it was Kia's willingness to negotiate down on price that made my decision. I've been told...
  17. J

    My investment property

    I wouldn't do it It makes no sense to transfer it to a non-income earner with the significant depreciation benefits you would get for a new property when your income is what you've stated. It might be different if it was a 30 year old property that was positive after expenses with little/no...
  18. J

    Data cabling. Worth it?

    It depends on your target demographic. It would definitely be considered a plus for most young males that play any sort of games online. e.g. uni students or a share house of young professionals.
  19. J

    Market outlook in Canberra

    I don't think it will have much more of an affect than continuing this mostly stagnant period we've been having for 4 years for a little longer.
  20. J

    APS interviews for bulk rounds

    I've had a few friends tell me Health were doing a bulk round.
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