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  1. bodybuilder

    Are some people just stupid or what!

    Almost as over priced as a Gold Coast apartment! :D
  2. bodybuilder

    Stamp Duty Problems

    Thanks for your reply Rolf. I am meeting with the head of the loans department of my local CBA next week. If the issue is not resolved by then, I'll definitely be contacting the banking/financial ombudsman. You are correct re: State Revenue Office. I have sent a letter to my local state...
  3. bodybuilder

    Stamp Duty Problems

    I still would have purchased the property if I knew the exemption did not apply, but that is beside the point.
  4. bodybuilder

    Stamp Duty Problems

    I went to my mortgage broker and had them print the file of the details of CBA stating the stamp duty exemption had been approved. However this isn't even an issue, because when I spoke to CBA, my case manager admitted the person made a mistake and it was never approved in the first place. Yet...
  5. bodybuilder

    Stamp Duty Problems

    Hi, I was wondering if anyone had any tips/advice for my predicament... I recently purchased my first PPOR. I received the first home buyers grant of $14K from the federal govt. I was also entitled to a $3K grant from my state govt (Victoria). However, instead of getting the grant from my...
  6. bodybuilder

    Who runs?

    Your damn right it is. And very expensive! Weights for me. I only do cardio when dieting for a comp.
  7. bodybuilder

    Home Ideas Expo

    My partner and I went, both enjoyed it. There was heaps of stuff for renevating, and luxury items for your home - saunas, spas, home entertainment, plans to wire your house so you can do anything at the click of a button, etc. Plus your building spruikers wanting you to sign them up to build...
  8. bodybuilder

    Home Ideas Expo

    Well I couldn't find any other threads with this, so I thought I'd post one. Is anyone going to the Home Ideas Expo? It starts tomorrow in Melb. After renting for 6 years, the settlement for my first PPOR is next week. Even though my home doesnt need any renovations, I am really excited...
  9. bodybuilder

    are there good careers without extra study?

    Depending on his health, I think joining the military would a great idea. I joined the Army when I left school, I thought it was a great way to earn a good wage for my age, have a secure job, and keep fit. And I naively thought it would be easy. I was 19 when I joined, yet I'd lived a...
  10. bodybuilder

    How long to pass offer to vendor

    Same thing happened to me. After receiving a verbal "yes", I hadn't heard anything for a week. I called the REA and he said "the owners live in a different state, so it may have taken a while for the contract to arrive in the mail". They'll fax it to me, I'll fax it to your mortgage broker...
  11. bodybuilder

    Diet shakes

    Well done Berlina. Educating yourself is the key.
  12. bodybuilder

    Diet shakes

    You forgot to add "and I want it yesterday" :p
  13. bodybuilder

    Diet shakes

    There are some good "meal replacement" shakes, but they are far and few between. Generally, the quality of the ingredients in the chemist ones are very poor, and ONLY work because they limit calories. You can still get ones like Myoplex and Met-Rx, as well as a few other good ones. But they...
  14. bodybuilder

    Diet shakes

    If you go the "diet shake" option - what do you do when you lose the ??KG of weight you are aiming to lose? If you start eating "normal" again you will just stack the weight back on. Replacing meals with shakes for the rest of your life really isn't an option. All shakes do is limit the...
  15. bodybuilder

    What unemployment?

    I read today that 20% of 15-19yr olds who aren't at school/studying do not have jobs. There is 70,000 in total!!
  16. bodybuilder

    What unemployment?

    What was the position?
  17. bodybuilder

    what's the greatest capital gain you've made?

    My parents greatest capital gain, not mine: Late 80's (possibly early 90's?) when Pivot listed on the ASX, they told my parents they would get a discount on their fertiliser (parents were dairy farmers) if they bought $500 worth of shares. So they did. Early last year, parents had to sell...
  18. bodybuilder

    Tenant not paying rent

    My parents found this out the hard way...
  19. bodybuilder

    CBA will not recognise the first home buyers grant of $14,000 for an existing home an

    Boatboy, I am neither bull nor bear, I prefer to keep an open mind and look at all the facts. I was merely stating why auction clearance rates were up, which is something that was not explained in the Crikey article
  20. bodybuilder

    CBA will not recognise the first home buyers grant of $14,000 for an existing home an

    Interesting article Boat Boy. However the portion above seems to be misleading. The reason for the significant rises in auction clearance rates is because a significantly lower number of houses are being put up for auction. See here...
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