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Cheers for the feedback RH, The request for pm & id is just to stop abuse because we offered this here separtely as well as via ozbargain - http://www.ozbargain.com.au/node/40241 If not for that, I would have simply said mention Somersoft with no need for other formalities :) As for...

Can't really contribute, but just wanted to say great approach! Sometimes things feel/seem a lot bigger then they are and by doing this you are avoiding unecessarily putting people offside.

Hey all I said in an earlier thread that I'd offer free coffees to SSers when our cafe finally re-opened - well good news, we finally re-opened on Saturday! So here's the deal, we're currently running an external promotion where we are giving away free coffees for a week...I'd like to...

Was gonna say exactly this! Excel is a very powerful program if you know how to work it =)

cos i didnt see it? I never suggested having 500k in there, nor locking money away for 5 years...neither I would do... Its about making the most efficient use of the money whilst saving it for something else... Thanks for the helpful contribution tho!

Definitely agreed re the distinction Rolf - I know (and I think many people know) they can personally afford more then the bank's think I (or they can)! Not sure I understand the clarification...but the reason I was asking waas to understand the distinction and to decide whether I should open...

Question was purely because I wanted to understand how it worked as I thought the difference would be negligible =) Margs point is good, if you have the PPOR thats the best spot to stick it. Cheers for the responses

Query I have following on from Sash's comment: from this thread. This is probably more a Q for the brokers...but is that true? I would have thought have 100,000k in an offset where the loan is at 7% would be better then having 100,000k in a term deposit of 6%... In the offset...

feeling a tad creative there dazz?

talking to CBA today and they were offering upfront discounts off the bat with their wealth package...no need to even ask for it... LVR < 75% 150k-250k - 0.5% 250k-500k - 0.75% 500k-750k - 0.8% 750k+ - 0.85% LVR > 75% 150k-250k - 0.5% 250k-500k - 0.7% 500k-750k - 0.75% 750k+ -...

Rixter....I am now a lawyer ;) Just help out on Sundays at the cafe...:)

I should start out by saying I'm pretty biased on this topic, i'm a self-taught barista and have spent years working the coffee machine...its not about the coffee so much as who's making it! Milk shouldn't be burnt, it should be in the 65-72 degree range. That said, the coffee machine should...

How did you get to a 'G'? The result should always be 4, as you are essentially quadrupeling the first number and then dividing by the original number? Or did I miss your point :P

At least for those who think about it long enough...that said, my parents were still amazed for hours!

I agree with Wifey Maybe cause they get a nice healthy commission if you buy it :D I'd avoid almost entirely because of bathroom situation - who'd want to be going up and down stairs to take a shower!

Generally, I would suggest that if the obligation is on the vendor to pull out the stump, then if the vendor does not, the vendor is in breach and the purchaser can terminate or sue for specific performance(ie. force the vendor to do it) / damages etc. It would be a very unlikely situation...

They'd have to overcome the misconcieved preconception that women don't know anything about cars... Hell...most women I know, know more about cars then i do...:)

Hey Michael, I am aware of the costs...very unfortunate, but he needs the money and has been asking for a while now...its either that or sell...i'm still deciding on my best options The reason now works to refinance is I have an OTP settling in about 14 months, which at this stage, I...

Thanks everyone...I'll need to consider what I am doing! The loan is currently variable and has been with homeside for 2.5years. The purpose of the refinance is two-fold: 1) purchase out my brother's interest (always intended + he needs the money) - am happy to stay with homeside; 2)...

Heya Any lenders out there who will loan up to 95%+LMI on CBD units in Brisbane? I'm contemplating a refinance and wondering if I can achieve what i want/need - current loan with homeside. The unit is being used by Oaks as a holiday let, however the building itself is residential...