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Hi All, Currently building our fist house, thought it would be a good idea to get a private inspector to assess for any issues before Gyprock goes on. We now have a roof and Sparky and Plumbers are coming this week, so Gyprock in the next 2 or 3 weeks. Does anyone know someone that is...

Hi All, I have a friend that is not good with money, after many years of trying to help in various ways, one of the last options I thought of was a savings account where he can't get money out without someone signing with him, and that someone not letting him get money out except for things...

Hi All, My parents have investment properties through inheritance. They are shared with a parents sibling. It appears the sibling will be getting a divorce. My parents will probably seek legal advice over this, and the sibling certainly will, but I am hoping for some general...

Hi All, I was hoping someone might be able to identify a tree for me. I have just purchased land and this tree is out the front - I'd say I'll have the option of keeping it or getting rid of it, so I am curious what it is, and what its root system will be like (is it something I want near...

Hi All, Could I please have some advice on structuring my loan? This will be my first IP. Future Position: - Looking to purhcase land in immediate future for around $200,000, which will then have a PPOR built in around 5 years time (obviously borrowing money for that - probably around...

Hi All, Anyone able to answer this for me? I looked around here and on govt sites. I found information for somone outside of a contract, but not within. I have some friends that are all excited to have moved out of their old small flat into a house they had hoped to be long term tennants...

Hi All, I was looking at land that has no 'proper' road to it. It is not gazetted by council. I was talking to someone that mentioned that DA may stipulate that I would have to build a road as a condition of DA approval. There are other houses on the existing 'road', but they were built...

Hi All, Looking at block of land that is classified 7c. I was hoping that someone may have a document they can provide/link me too that tells me all of the different classifications? Cheers

Hi All, I am getting married in April, and we are going to put a knife block set on the gift registry. Can anyone shed some light on; 1) what the good cheaper stuff is? 2) and what the really good stuff is? 3) Is there a crossover point - ie "if you don't spend $600+, then any of...

Hi All, I lost my bird (Marty) on Saturday. I just thought I would share this site for those that may lose/find a pet in Newcastle region. http://www.lostpetsnewcastle.com.au/ If you add any to the list, please let people know the areas they are usefull for (ie. mine is just for...

Hi All, Just a quick question so I don't get caught out while I am doing my first tax since I got my PPOR. 1) Do I need to declare the FHOG on my tax at all? I assume it was tax free? 2) Nothing to do with my PPOR is tax deductible is it? (It's just me living there, has been my PPOR...

Hi All, I am just wondering the best way to do my loan. My broker advised me to go with a P&I loan, unless I planned to turn my PPOR (first home buyer) into a IP in the future. My situation; Loan 305,000 With CBA and paying P&I. 100% Offest account $10,000 in offset account +$2000 in...

Hi All, For a PPOR - I don't have any IPs My broker told me I should pay off my loan as quick as possible (makes sense!) by paying weekly. He was aware that I was getting paid fortnightly. I was talking to a friend last night and he reckons that cause I get paid fortnightly, I should...

Hi All, I am just wondering if anyone has advice for R ratings? I have a friend at TAFE studying architecture and she was taught that a higher R rating is not better, that it depends on the area. She was saying for Newcastle area, a R2.5 is better than 3.5 as a 3.5 will not allow the heat...

Hi Everyone, I am currently trying to work out the best for me, whether I stay fully variable, (paying about $400/month extra) or fixing (paying a small amount extra) Does anyone have a spreadsheet that can calculate an ongoing change, for example, I set it that I am paying $2200 / month...

Hi Everyone. A house I am looking at is Western Red Cedar cladded. I like everything about WRC except what I have read about needing to oil it yearly. It is for a PPOR. I have searched on here and found almost nothing on WRC (except windows). Can anyone help me out with what it would...