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  1. zimby

    Medicare Levy

    Wow thanks All. Bran, not in the Medical profession, was just a visit where I snapped a selfie :) Lines up with what I've been thinking, probably time to bite the bullet and take a minimum basic over. Partner has good cover with added Babymaking option so she is not really fussed.
  2. zimby

    Medicare Levy

    Hi Apologies if this has been covered before. I also would contact my accountant, but Its a public holiday and I'm keen to get further opinions :) So, up until now i've not had any inclination to purchase private healthcare, I'm an active 31( hence the rush) year old who has had no need...
  3. zimby

    Day Trading

    Howdy Are there any day traders on the forum? Or even very active traders. Got some time in between properties and looking to do a bit of active trading. I understand the risks and have traded before, but never actively ( 15+ trades a week) Whats a good capital amount and in what lots do...
  4. zimby

    Thank you Depreciator

    Hahaha people still laying into fullylucky and his DIY Job :)
  5. zimby

    Water Dammage

    Howdy So currently going through some issues with this nasty QLD weather. Have a townhouse that has flooded( gutter rain) 3 times now with approx 4-5 inches of watch through the lower level( kitchen, lounge, car port) Each time has been with the freak downpours. 1st Time Body Corporate...
  6. zimby

    Property Manager Terminates Themselves After Being Questioned???

    A good property Manager is worth all the money you can pay them and more.
  7. zimby

    Best variable interest rate???

    But What LVR?
  8. zimby

    Structure

    Thanks Jamie, Currently on Single Income so not hugely concerned. We live pretty light and IO repayments are quite compatible to current rent for the area's we're looking at. Shahin_Afarin - Indeed, have done topups in the past, but only for for Investment, so likely be a separate loan to...
  9. zimby

    Structure

    Howdy We're looking at purchasing property number 4. Property numbers 1,2,3 are all tenanted with IO repayments. There is enough equity to draw down from property number 2 and property number 1 for property number 4 deposit, serviceability is good as well. Only Problem is We've reached...
  10. zimby

    Scenario

    Thanks Jamie Which banks allow up to 90%? for these scenario's?
  11. zimby

    Scenario

    Howdy So here's a scenario. Property 1 loan 346 bank value 415 property 2 loan 344 bank value 439 property 3 loan 381 bank value 493 LMI paid on all loans. How much funds could be extracted for investment. The Figure 21k was reached for the two property's under 80% lvr, bringing...
  12. zimby

    Contents

    Thanks Paul. I currently have a few policies with EBM and have claimed with them in the past. However This has only been for Landlord protection. Pretty much only after the insurance for Legal Liability, not concerned about the actual contents as we are not super Materialistic and majority of...
  13. zimby

    Contents

    Howdy Anyone using the Tenant Cover Provided by EBM and had a claim? Landlord Protection is pretty good. Tenant cover is quite cheap comparatively speaking( half the cost of combank for twice the claim amount) this makes me wonder if I'm comparing apples with tennis balls. Cheers
  14. zimby

    BCC Notice

    Cheers! Interestingly the only mention was disruption in the area, so I might be reading into this a bit much.
  15. zimby

    BCC Notice

    Thanks Y-Man Sounds like it could be fair, interested to know if this will work out for you after number crunching. Is the property PPOR or Investment? Is it doing well? If doing poorly then this would be a good opportunity to shift a property, if doing well then I guess a bit harder to qualify.
  16. zimby

    BCC Notice

    Howdy So I received a notice from Brisbane City Council today. It advises that one of our properties is in an area that may be effected by "long term improvements to the area" I suspect our property is in the way of a road upgrade and may be bought up. I believe this is relatively far...
  17. zimby

    Help!!!!!!

    Hi All Thanks for the Support. I Put up a bunch of in your face a3 posters on the boards at work and some-one offered to take him( picked up this morning) Kinnon there is a bit more to the whole scenario and the kitten has passed hands a few times( people getting sick and moving states), the...
  18. zimby

    Help!!!!!!

    Hi I'm reaching out to Animal lovers on the forum. A while back a kitten was dumped at my fiancee's sisters work( vet nurse) Almost didn't make it, had ringworm and was on deaths door,managed to pull through, and is looking for a home. He is full of energy and will suit a home with a...
  19. zimby

    Vote

    Thanks Bayview. I just missed your post prior to voting, but I caught up with my old man who gave me the lowdown. Funnily enough I got pressured more to buy drinks/hotdogs after the vote than the actual spruikers outside.
  20. zimby

    Vote

    Thanks Corey There is something to your statement. I feel my vote would count for very little as voting is compulsory and I'm sure a good many votes are Random. I would like to understand more of the Legislation surrounding Political polices and Real Estate, however there seem to be quite a...
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