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quoted from the ad: This is why, who wants to live in the lowest home. Moving the 's' one space can make a big difference to its meaning.

Calculate it minus the balance of the offset at the end of the day, so it doesn't matter how much the balance changes during the day. I have been using a spreadsheet to calculate mine for the past year and have always been spot on within a cent. It also shows the effective interest rate you...

Some people like to see their debt going down and pay more principle so they are forced to spend less. Some people like to see their savings going up and spend less to achieve it. That is the different between P&I and IO. I'm in the latter camp and believe if my situation changes IO and...

I have seen first hand the fire brigade recovering a body from a tree while his family looked on, not a nice experience. :( Remember leaves carry moisture and branches and so on!

Tenant ALERT : beware of this serial renter. you have been warned! ps. goes by the name IronMan.

Depends where you live in australia of course, take WA we have 47c NET feed in tariff and with the new smart meters the peak cost is 40c with a limit of 5kw system. I would be worse off installing solar.

I guess the older you get you tend to forget a whole new generation is out there seeing old ideas as new ;) also kudos for Billy_Bokkie for the follow up post. Its a great read from concept to actual experience of doing it.

I think after seeing this little gem: I'd say no... A name like aaaaaaaaaaaardvark is as old hat as the yellow pages themselves.

If they all raised by the same amount on the same day, expect variances on different days. Wouldn't it be illegal to backdate? isn't there a requirement to notify customers before rate changes and charges before they happen?

How about paying monthly and saving on interest daily :eek: as a first home buyer and reading this forum alot soaking up the wealth of information, for me its seems IO/100% repayment offset is the best way to go on my PPOR. but remember this strategy is only effective if you have the discipline...

Who are you referring to? yourself? What about young people without a family who would like to work extra to set up their financial future, is 38-40 hours a week to much? One way to circumnavigate this plan is to pay a higher hourly rate but have mandatory unpaid overtime. All the places I...

fill the gap with a string of led lighting and call it a highlightline the yuppies will go crazy!

well from where I sit your logic is flawed :) regardless if the loan is P&I or IO if you have a 100% offset and you can actually save then the less frequent you pay the bank the better. IMO a IO loan with 100% offset using a interest free period credit card leaving all cash in offset and...

This is how real life works, make sure you are the one who is holding the strings.

Hang around here for awhile and you will find out how much misinformation these "sombodys" can dish out. I'm sure glad I found these forums.

I'd say most if not all other providers are cheaper than telstra for comparable products. I'm with IInet naked $79 month adsl2+ 120gb and free interstate and local calls. Its great to look at your phone bill with lots of hour+ calls all over the country and see the charge of $0 next to all...

hehe In my line of work we often concrete steel posts in the ground and use 1x 40kg bag per post, I was doing some contracting work for another company one time and the boss said to use 2x bags per leg. When I quizzed him about it he said oh! we use 20kg bags because our guys don't like lifting...

Just on face value of the info you have given, I would cash in the stocks to use as a deposit on the new PPOR. Then redraw from the IP to buy another IP. If you sit on the UK stocks waiting for the exchange rate to improve you could lose more money on the stocks than you gain on any exchange...

but how long will it actually take the tradies to complete the project? If they finish in two weeks then that's $2,500 pw each I'm sure the tradies are getting paid what they think they are worth or they wouldn't be doing it on a flat rate.

just make the driveway wider??