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  1. rugrat

    learning about shares.

    I was wondering if anyone knew any good forums or websites to learn about dabbling in the share market. I have been thinking about buying some shares for a while, but I want to do it myself, not just rely on a financial adviser. But at the moment I really know next to nothing about investing in...
  2. rugrat

    insulating a garage door.

    Anyone here insulated a garage door before? Any hints tips, tricks, things I should be aware of? We use the garage as an extra room, have carpet squares down, insulation in the roof, ducted heating. We thought about putting glass doors on, but would rather something we don't have to convert...
  3. rugrat

    Canberra, Yass and captains flats.

    Well the little 3 bed, one bathroom house that is our current PPOR is starting to feel a bit small now that we have five young children. So we are looking to upgrade and turn this one into a rental. Only issue is the banks like to cut servicibility when you have so many kids. So we are...
  4. rugrat

    A proerty manager who offers one off services in Canberra?

    Hello, I was just wondering if anyone here knew of any pm's in canberra who offer one off services. We are after someone to just do a one off inspection on a property we self manage. :)
  5. rugrat

    Getting ready to move forward again. :D

    WARNING: Rambling and long. Just trying to get things straight in my head. ;) Our strategy for property investment has always been a slow one right from the begining. Slowly acquire around 6 (or thereabouts) 'average' properties, get them paid off on use their rental income to fund out...
  6. rugrat

    Does anyone else here enjoy Tax time?

    Does anyone else here enjoy Tax time? Or am I the only one? :) I love knowing that there is a nice return waiting for me, even if it is just going towards paying off that bad debt I wracked up during the year. I know that some people on here adjust their tax during the year, but I like to get...
  7. rugrat

    How hard is it to get a rental in Brisbane with pets?

    I'm looking from the other perpective (as a potiential tenant :eek: ) as we are considering a seachange. Thing is, we have two dogs and two cats. So, how tight is the rental market up there, and how likely is it that we will be able to get a 3+ bedroom house that accepts pets. If need be we...
  8. rugrat

    Capital Gains and family tax benefit.

    Hello, Just wondering if anyone is able to answer my question. If my DH and I sell our PPOR and make roughly 60k in capital gains; Does the ATO consider that to be 'income' for the purposes of figuring out Family Tax Benefit?
  9. rugrat

    House sells for $1000.

    http://www.news.com.au/money/property/built-with-his-own-hands-valued-at-more-than-630000-sold-for-1000/comments-e6frfmd0-1226267411423 :eek: Thoughts anyone???
  10. rugrat

    Thinking of dealing with the devil...

    Namely, my sister. :D She has asked if (when our current tenants lease expires) we would rent our IP to her. We are seriously considering it. I don't know if I am crazy or what. She is a young single mum. I know she would be a reasonable tenant (at least she has been for every other...
  11. rugrat

    Good Budget Spreadsheets???

    Does anyone have a good budget spreadsheet they would be willing to share?? Been checking out those on Google, but there are just so many, and most of the 'free' ones are just so basic that they really don't do what I want. But before I go to the effort of creating my own excel spreadsheet, I...
  12. rugrat

    Canberra Property Management.

    So. I am not overly impressed with my pm. I am not sure if I am just expecting too much, or what. They haven't actually done anything 'wrong', we have great tenants, rent is always deposited on time. The issue I am having with them is simply the amount of time and chasing up it seems to take for...
  13. rugrat

    Can someone help me find a couple of cases...

    Hi. Not sure if it is the pregnant brain or what, but I am having problems locating a couple of cases online and was hoping someone here would be able to help. *Hadley v Baxendale [1854-1860] All ER Rep 461; (1854) 9 ExCh 341; 156 ER 145 *Tranfield Shipping Inc v Mercator Shipping Inc...
  14. rugrat

    Rodent problem.

    So we have rats and / or mice in our walls and roof. :eek: They are not in the house itself - as we have two excellent cats who love nothing better then to catch mice and rats (and snakes and rabbits, etc). We constantly have dead ones left at the front door and around the front yard, which our...
  15. rugrat

    Do you offer your tradies food or drink?

    Do you offer your tradies food or drink when they are working for you? This question was raised on a different forum I frequent, and apparrently I'm a horrible person because I don't (although I may offer water if they are working outside). :D So how about everyone here?
  16. rugrat

    So, we settled today...

    :D :D We FINALLY settled on our IP today!!!! YAY!!!!! :D So Stoked!!!! It is only 12months later then the original completion date - ROFLMAO. But it is just such a relief to finally NOT have this hanging over our heads and worrying about finance, builder, lawyers, or valuers. So many hickups...
  17. rugrat

    Oh the stupidity!

    Our home loan for our IP is once again going through LMI. We had to send it back there because timeframes have been pushed out (yet again) and we are at a junction where we may be settling in 2 weeks or in mid Feb (our builders shut down for 6 weeks over christmas). We are not sure which yet...
  18. rugrat

    WooHoo!!!!

    Didn't know where to post this, just had to celebrate we FINALLY have a completion date for our IP (Feb 14th). YAY!!! ROFLMAO!!!! :D :D It is only 12 months after the original completion date we were told when signing contracts. :rolleyes: :D But now there is an end in sight.
  19. rugrat

    When it doesn't make sense to rent out a house.

    DH has applied for a couple of postings elsewhere (think small tropical islands ;) ), which is very exciting. It would be 12 months, after which we would return. DH work would be paying for our accomodation costs wherever the posting is. I initally just assumed we would rent out this house...
  20. rugrat

    Tax

    Just a quick one. I paid a whole $51 in tax over the past 2009/2010 financial year. :D Now I will be getting all of that tax back, even without deductions. However I do have legitimate investment deductions and am not sure whether I should be including these in my etax or not - considering that...
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