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Thanks for response. So for single person without kids, its around $16k pa. How about if you have kids? Will a toddler expense be different to a newborn to a teen??

Is there a minimum discretionary expense which the banks will use even if you are actually very frugal in real life and don't spend much?

Thumbs up for SQ!

Thanks guys for the advice and yes, I do agree what a silly gutter design such that if it ever overflows, it will flow back into the house rather than away from it.

Hi, From yesterday heavy hail storm in Perth, it seems like my gutters and possibly soakwells did not handle the downfall and water was overflowing back into the eaves and leaking through the joints of the hardiflex and causing a bowing effect on one section of the eaves. Can someone...

Silly article really...anything metallic and with enough pressure can be bent. Even mentions that this is not limited to Apple but other manufacturers. So why does this become the main tech news when its been happening to other phones too? Because its an Apple and journalist uses it to get...

Hi, thanks for all response. As per Westminister's comment, I did check but did not find any limit on the PS. All I found was what Boeman said and that it needs to be reasonable. The problem with being a reasonable guess is that it becomes very subjective and if there was any argument, the...

I have gotten prices back from several builders on plans which I have drawn up. The construction cost for the building itself is fairly similar across all builders as I have also specified the specs in the home. However, when looking through the provisional sum. there are some quite large...

SQ for me on international flights

I remember also reading an article recently by Mark Bouris, where he mentioned that due the recent rises Sydney and Melbourne now has low yields and investors will now look at Brisbane instead for better returns.

Hi, Just got a quote to replace some carpets but they have given me a dozen options. Does anyone have knowledge on the different types and what is best for IP in terms of durability. FYI - the costs increases as it goes down the list 100% Polypropylene Loop Pile 100% Polypropylene...

Just a few silly questions regarding build cost: 1. The cost by m2 which is being discussed - do they include GST already or they GST exclusive 2. What is the typical villa turnkey cost 3. What is the typical townhouse (d/storey) turnkey cost Currently in similar situation and would...

With all the rage on multi-unit developments, has the cost to build them gone up? What the typical turnkey build price nowadays for them?

Yes, anyone with a recap of what was said would be much appreciated.

What does it mean by a soiled box model? Something to do with the packaging or the product itself?

I got the Spot Plus. I think its cheaper too. If you buy it from a phyiscal store, I believe the majority only stocks the Spot Plus. I didn't see any Evolution range when I did my purchase. I think reason is because they are quiet expensive and hence Australia does not stock the entire range...

Same situation here, kid was moved into his own room and we decided to buy the Noirot. Althought expensive, it is well worth it....heats up fairly quickly, safe to touch (not burning hot to touch), nice heat (not like the dry heat you get from air-cond) without the fans which should be avoided...

Thanks all for the clarification. I had always thought the same in that capital losses can be carried forward indefinately until you die. Just that in other previous Somersoft post (can't seem to search for it now), people were stating things like captial losses only last 7 years and...

Hi, How long can a capital loss be carried forward for? From reading some posts here, some people states that capital loss can only be carried forward 7 years to offset future capital gains. However, when I went to the ATO website, it doesn't mention anything about a timeframe for a...

Tiles do you mean ceramic or porelain. Some poreclain tiles are more expensive than timber.