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I might hypothetically know someone who sub-let. This person was renting a 3br townhouse for about 6 years, during that time this person had one (sort of mature) housemate who paid $100/wk for his room. So $400 out of $975 was a nice help in paying the rent over time as you can imagine. He...

These days all the phones have apps that are fine for tuning I don't even own a normal tuner anymore as a result. When I record stuff then I use a tuner plugin or proper hardware tuner but for day-to-day playing its fine. Like everyone said, spend enough to get a good instrument and you will...

I have about 120k in Super. Is a SMSF worth the effort at that level ?

My in-laws had a leak in the upstairs bathroom recently - water was dripping down the wall in the hall underneath the upstairs bathroom. MIL called a plumber to come and find the problem - the plumber she called said, "Before I come out there I charge a $500 call-out fee to find the problem"...

With CG tipped by many to be flat for the foreseeable future is that a bad thing ? Are you referring to the 6yr rule or something else ?

Ok - thanks alex for your thoughts - so let me ask the same question in another way. Are there any benefits to be had out of it ? Is there a model of making a financial benefit ?

"Terry's point was, I think, with dual occupancy it's still one title." And that was one of the points I wasn't sure about - thanks to you both. Ok - so why don't you think its a good idea ? If we get along fine and we're both looking for a long term spot to reside why not? Honestly I have...

No we would be buying a large block, and building two houses/townhouses on it. Each couple would rent the other couples' house. I'm trying to understand all the tax/costs/savings/legal/planning issues involved.

C'mon, anyone had any experience with this kind of arrangement ? I found the thread we rent your PPOR you rent ours and most people just talked about potential future relationship problems...I'm more interested in the taxation/legal/practical issues.

Ok so here's the thing. We want to find a big block in Banyule and level the old house and put up two new townhouses and rent from each other. It would effectively be OUR homes but just trying to pick up and tax benefits we can. To do this do we need to actually subdivide the block or can we...

Townhouse. Middle suburban ring, Camberwell - Heidlelburg Go!

I did think of that Mango but I didn't want to futher hit our deposit whilst we decided whether to buy and investment and rent or PPOR. No tax gains on the loan.

Actually, now that I think about it I have never used the FHOG because it was means tested back when I bought my first homes and I was earning to much to get it in 1996 (?) whatever it was called - don't think it was FHOG. I also think we must rent until we figure out what to do, its...

I hope it's okay to post this kind of thread here. Ok, so here's the thing. I'm at a point where I am just not sure what to do and could really use some advice. I will also be speaking to some professionals but the people on this forum really are the 'professionals'. I do not know...

(Yes - I'm renting in Melb) That's why I am posting because I think there may be another agenda here. Its been six months+ since the last rise and they could have increased the rent if they want to I guess but the letter states they are not. Unless they are planning something else I see no...

Just received a letter from the real estate and the current lease runs out in June and they advise they do not require a new lease and will let on a month to month basis at the current rate. Call me paranoid but why would they do this ? I can't see any benefit for the landlord ? Every year...

Hi, I had no idea where to post this so I thought I would throw it out here. Where does one go to get general advice on how to structure their finances ? I learned over the years that investment advisors are really only sales people and accountants never want to actually give advice in...

Thanks, the difference is $1000 so its a significant amount. I'm sure our rent will go up again as soon as possible once more.

Ok so we are renting a unit. Our water and gas bills have gone up four times what they normally are. I called the agent who got a plumber out to investigate. Upshot, the hot water service was incorrectly (actually illegally) installed in such a way that it has been cycling on for the last...

hahaha :) it soon will be !!