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    Balga WA ?

    Has a good bottle shop! -> First Dan Murphy's in WA (as I'm ex victorian this is good news). Buy in Westminster...a much better name...lol Seriously though, I would avoid Balga due to the stigma attached to the suburb. I know renter friends of mine avoid it, and I would expect future CG...
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    Planned holidays for 2009?

    We are flying into HHMC, then going to Nha Trang, Hue, Hoi An, Hanoi, Halong Bay, return to Hanoi. Number of days in each to see all the sights. Used http://www.hotels-in-vietnam.com/ and Trip Advisor when choosing hotels. Kept to budget around $25-35US a night, but allowed ourselves more at Nha...
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    Planned holidays for 2009?

    Cheers. RE Vietnam - We haven't booked anything via Aust travel agents or brochures...mostly found hotels we liked the location & fit out budget and booked via hotel itself. Will be booking transport/tours in Vietnam once we get there, except we have booked a Halong Bay 2D/1N cruise via net as...
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    Planned holidays for 2009?

    Our plans (wife & I): Melbourne for 3 day weekend in 2 weeks time (booked, FF points) Vietnam 16 days in June/July (booked, $2700 cost for flights, accom, internal travel for both of us) Currently in the 'planning' stages for a 6 week Europe trip 2010...we were initially thinking...
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    Article - Neg gearing attacked for driving up property prices

    They can't remove neg gearing.... why? Because my tax return is going to pay for my trip to Europe next year :)
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    Breaking Fixed Rate Mortgages. One question pse

    Unlike variable loans, normally with fixed loans you are limited as to how much you can pay off (in addition to your normal repayments). I think mine is capped at $10,000 a year...
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    Breaking Fixed Rate Mortgages. One question pse

    For those who have loans locked for a long period and are looking at high break fees....another way to get around them in some cases is loan substitution - check with your bank. One of my loans is fixed, the rest (3) are variable. My break cost at last check was $28k :eek: So if I need to...
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    Pay off HECS or save with Bankwest

    Small parcels of shares is a good place to start. I started buying shares back when I was at uni. If he changes his mind at any point he can just sell then go backpacking. I wanted a Porsche for my first car too...but when your 18/19 and need a car to get around, well it won't be a Porsche. I...
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    so, it's 11:30pm at the moment....

    That BIS Shrapnel estimation seems fairly incredible. What is it with people's love affair with 40%. First Keen, now BIS. By 2014 I expect the next 'up' cycle of the mining cycle to be starting...so 17% vacancies is huge. I think residential vacancies are possibly more likely to suffer...
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    Pay off HECS or save with Bankwest

    Probably explains why he's not spending his $200 a week down the pub chasing girls.... :D I agree with auror - he already has a lot on his plate with uni, work and no doubt have a lot on his mind like travel, career, car etc. IMHO he is better off without the added stress of property...
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    60 mins storm

    http://sixtyminutes.ninemsn.com.au/article.aspx?id=757649 There is the story and transcript. It was not that 1 in 3 houses in Townsville are for sale....it was that 1 in 3 of the houses that are for sale, are Storm Financial victims.... "CAREY RAMM: So you're talking about one in two...
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    Oz minerals

    Or they are people not aware what will happen if bid falls through. Price gone up today due to first production announcement at Prominant Hill Cu-Au mine. Would have been a great announcement under normal conditions...and seen much higher than 10% gains.
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    Chilling firestorm Video from Victoria bushfires

    http://www.minearc.com.au/nd7/minearc-developing-bush-fire-shelter/ This company builds refuge chambers for underground mines. Have been in a few mines which use them in WA. Quite expensive but top quality. They are built to withstand heat, smoke, explosions and collapses. Also have a oxygen...
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    Advice on CH7 Sunrise: Put your Wedding on your Credit Card!

    You forgot dancing lessons!! $500. Based on list above, here was ours - roughly: Basic wedding budget: wedding dress - $500 (luckily the one she likes was also a cheap one) 2 x bridesmaids dresses - $400 3 x mens suits hire - $400 wedding car - $500 (could be more, cannot remember -...
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    Advice on CH7 Sunrise: Put your Wedding on your Credit Card!

    I read about $55,000 being the 'average' for a wedding also. I find this amazing. I don't know too many of the weddings I've been to lately that would be near that, and don't know many of my friends who would pay that much. I would like to see their data set (if they have one!). I suspect that...
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    Cranes in the Perth skyline

    I counted about 30 on the skyline looking west from the new Burswood apartments a month ago.
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    Kiva - helping others via micro-credit

    I joined after hearing about Kiva on these forums, and while I haven't personally lent yet, I bought 2x $25 gift vouchers for my wife last week....so I'll get her to join the Somersoft Lending Team on my behalf once she joins. I like the concept a lot, just a bit wary about some of the field...
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    10 Days in 100 years

    Agree. You just need to drive from Hurstbridge to Strathewen where the road literally weaves around trees to see this first-hand. Why not have 20m exclusion around the roads? Maybe there wouldn't have been as many trees falling onto the road blocking the poor people of Kinglake. Why not enforce...
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    Bush Fire Victims and Insurance

    And to remain on topic, I can't believe how many people I have seen on tv that were not insured. I agree that it should be mandatory to a certain level. Sheds and fences and other things would be covered as long as people had policies listing them. I think it will be some time before anyone...
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    Bush Fire Victims and Insurance

    I agree that $30m won't go far, will only cover short term needs and cleanup. However I disagree with your opinion on the area. There were some very nice properties on large country (farm size) blocks in these areas, but the ones which were hardest hit (eg Kinglake/Kinglake West etc) were...
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