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Hi All, So everyone is happy with Mackay and thier IP's there, how about selling it to me? Whats so good up there, eg. industry, tourism??? cheers, Chris1

Thanks Geoff, Any idea if they use bond rates, or 90 day interest rates as part of their calculations? cheers, Chris1

Hi All, I read once that fixed rates aren't worked out on the same basis as variable rates, but for the life of me can't find how fixed rates are worked out. :confused: Any ideas welcome. cheers, Chris1 :)

So my learned colleagues. Those that have owned property for sometime. What happens when the US raises interest rates to us here? Our rates go up, what does it do to housing prices? Rents? Is there a similar time in the last 30 years we can draw some similarities to get an idea of what may...

Thanks Acey! :) Mrs Chris1

Thanks Acey, I have already read those posts and on re-reading, think I have it a little more in hand. Will probably do Steve's June course with hubby. We have 2 IP's with little equity, but a PPOR with a ton of equity, and a mortgage that keeps us a little cash flow poor. Would Steve's...

Hi All, I have been serching and reading and reading some more, and I still can't get a handle on what is so good about a cash bond! :confused: Maybe my neurones arn't working real fast today. Can someone give me an example of how a cash bond can work? Thanks :) Mrs Chris1

Mike, I don't think so. ( at least there is no indication of unlawful visitation in the history!!!) It seems to be only one porno pop up, but a trillion others. Thanks guys, I have passed all the techno info to the techno head in the family to sort through. Mrs Chris1

Thanks everyone for your help. It is much appreciated!!! :D Mrs Chris1

Hi Sim, Yes, we do have up to date antivirus software (Trend Micro Internet Security). Thanks for those links, will give them a try. Our problem could stem from our 14 yo, who goes to lots of movie trailer and music download sites. Could those sorts of sites leave you open to spyware?? I have...

Hi Everyone, We have started getting porno pop ups on our home computer!! :confused: I am the only one to veiw them as yet, but I am really concerned about letting my kids have access to the pc now! We have downloaded a trial pop up filter, which is getting a few, but not all. What to do...

Thanks JPM. Its all becoming increasingly clear!!! Mrs Chris1

Hi Jaque, 2nd that. We have bought through Sandcastles and would recommed Judy as a local buyers agent. She is energetic, honest and highly communicative and has a good local knowledge of SE QLD. cheers

Hi Kristine, You poor thing! I wonder if you are thinking to yourself..."I don't have time for this!!" Hopefully your recovery wil be speedy and complete, and the enforced rest is beneficial to you! Take it easy, Mrs Chris1

Hi All, Actually what does "capitilisation" mean in regard to your IP loan? cheers, Mr Chris1

Hi Thommo, How does that all work at tax time?? And what is the lady's CC?? Thanks Mrs Chris1

Thanks JPM and Always Learning, It's Mrs Chris1 here, and I am having a difficult time getting my head around these figures. :confused: Please tell me if I am on the right track! Instead of paying expenses over and above the rent total out of after tax money (which is only 1/2 of the real...

Hi All, What would be regarded as the best method of paying maintenance on my IP? eg. Recently I had a $2000 maintenance bill for some work on my IP. (I have my PPOR & savings account accounts separate to my IP accounts). Till now I have had funds in the IP savings account to cover costs...

Hi Gordon, Have sent you a PM. Mrs Chris1

Hi All, We too, have recently changed from dial up to cable. Oh...why did we wait sooooo long!!! All I have to do now is talk the hubby into cable TV! ( wel..we already have the cable connection at least!!!) Mrs Chris1