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I have also been thinking about whether it is worthwhile using an insurance broker because of all the policies we hold. If any of you are willing to recommend your broker please PM me. It would be hugely appreciated as so far my searches have not been successful!

Yeah i was not too happy but useless stressing. unfortunately new PM has been hospitalized out of the blue so didn't fuss on pulling the file away from current PM. hopefully they are trying to prove to me that I am making a mistake and working hard, and not the other way round i.e. ignoring...

I sent written notice to our PM a week ago to terminate our agreement. as mentioned here, the new agent was happy to manage the property "for free" those first 2 months, but the PM i am leaving will not allow it. they say they will not hand over prior to the 60 day period. this is not specified...

I never said this was about creating wealth. i asked a question about dealing with finances under changing circumstances. as i said before, not necessarily how to budget, but also other aspects. it is quite a change to one's finances, so why not ask and be prepared for it if one can? even banks...

Thanks Beachgurl. Any experience others have had with PHI is extremely helpful! With management fee I’m assuming this is a private hospital fee correct? I have tried to look online to see what the public hospital in Campbelltown offers but nothing offical is available :confused: re Prepaying...

Yep I meant pre pay interest not tax, initially! Sorry! :o Thanks for sharing, each post has been really helpful. Re Health insurance....that is a mine field. Can’t figure out if you need this if you want to go down the path of public hospital. I’m sure there is some good reason to...

Have searched the forums and found little snippets of info but nothing major. I was starting to research and look into ways one can prepare financially if planning to start a family. Not even sure I have posted in the right discussion area to be honest! Some basics I’ve read about for...

The intention is most definitely to make a profit. to rent it out asap and also increase the value of the property overall. :confused: had a read but still as confused. Can't seem to find the info i'm after on the ATO site.

that would be the most logical I think. that had slipped my mid for a second. This does mean then that i cannot claim the interest expense on the loan to construct the granny flat I assume. I can only claim the interest expense after it is tenanted :confused: I need to chat to my...

Curious to see what NABs reply will be as when I last checked they would not allow it. am in fact contemplating moving to Suncorp who will allow several savings accounts to offset one loan account. That being said I have only just started looking into their services and need to look for the...

well if it's of any help to anyone else, apparently if they have separate kitchens then you need to get 2 depreciation reports done.

Scenario is this: IP purchased and granny flat being constructed after obtaining approval from council. both dwellings will be completely separate, i.e. own bins, meters, entrances etc.... only the drive way is common, like a battleaxe would be. question 1 is can I claim deductions for the...

very interesting and would also like to hear from accountants... bit of a twist to this.... say for an IP bought at 200k a loan of $300k is drawn down. that is to allow for renos etc... obviously the excess funds need to be deposited somewhere, so they are (immediately) deposited into a new...

true, a year is a long time. I'll speak to the broker again. We pretty much know what we want, and what is flexible and what is not. we'll see how it goes and i'll let you know.

We have a rate of 6.72% with NAB who are currently trying to work toward a further 0.05% so that our rate will be 6.67%. This is a big deal apparently and bank manager is unsure it will be approved. Currently have a 0.75% discount, if the current 0.05% goes through it brings it to a total...

Do you have the facility of an offset account with that rate? Cheers!

This is very informative, particularly since i know nothing about roofs and am trying to get my head around it still! Can anyone recommend a good roofer/roof restoration company in Sydney though? Cheers

Hi All, have checked with my builder and am happy to give you his details. Company is Rob Thomas developments and his number is 0417 685 563! He really puts great thought into the project and make terrific recommendations. extremely flexible and a pleasure to work with. very professional too.

oops i feel very silly! sorry about that :o its for fencing!

If any of you can make a recommendation it would be greatly appreciated!! Campbelltown NSW area if it makes a difference. Thanks all! tried to have a read through some threads but could not find any references. good evening!