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I'm looking at getting a loan post June 30 this year. I have a second income from a business. Last year it made approx $20k. This year will be closer to $80k. I understand the ANZ take the $80k into account. Other banks average the previous 2 years, making it $50k. Which other banks...

Well, maybe the photographer just ran out of time. But come on. Make an effort! http://www.realcommercial.com.au/property-other-vic-geelong-5402685

Hi, I've been looking more and more at commercial but I'm still seeing plenty of vacant properties around. Has anyone here had a property that's been vacant for a few weeks or more and what kind of impact did it have on you? Did it affect you financially? Did it cause problems at home...

I for one have been wondering how gillard and co will get the budget in surplus in 12/13. I think I know a couple of tricks they're going to use... 1. Borrow for all the work that needs to be done, moving it off the budget. Swan is trying to get an allowance to increase our debt by an...

When the earthquake hit Japan a number of MPs were there on an official tour. Imagine if they'd been caught up in the disaster. What would happen if an ALP MP was killed in the disaster? What would happen if a sitting ALP member died right now, or something happened that caused them...

Another day, another article about the property 'bubble' that's going to burst. What I don't get is that if these apparent experts are so good at knowing what's going on, why can't any of them tell us when it's going to happen. If they truly understand their subject ie economic prediction...

This has to be the MOST ridiculous thing I have EVER heard. I've got some money in a redraw I want to access. So I got it all sorted out over the phone and while I was on the phone I set a pin on my phone banking. All good so far. Next I needed to set up internet banking to transfer...

Floating floors - how much to have someone install them. Hi all, I'm renovating at the moment so this might not be the first time I ask questions in here. I'm going to have someone install floating floors for me in a house. Around 75m2 of it. I had one person look at it and he said 5...

A quick question to the MBs in here... Have you ever paid for leads? If so, what did you pay, and what guarantees or expectancy did you have on converting the leads to borrowers? Much appreciated Hugh

I've got a fixed IO loan with Westpac which is due to finish next year (thank goodness). But the new repayments were HIGHER than the current ones. :eek: What they automatically do is change it to a variable P&I loan. All I had to do was call them and get it changed to a variable IO loan...

Actually, I was going to make the title "Only dogs c**p in the corner". How bizarre is this! http://www.realestate.com.au/cgi-bin/rsearch?a=depi&id=105669289&width=800&height=600&img=n&c=35108285&p=10&s=vic&snf=rbs&t=res&tm=1239194955 Other odd things in this place, including the fridge...

Well, here we are. Continuing our march towards socialism. http://business.theage.com.au/business/rudd-blasts-greed-20081015-514b.html Kevin Rudd, or Kevin Red as I now prefer to call him has blamed the global financial crisis on greedy capitalists. Maybe he's creating a 'monster' with...

So imagine you're some poor hard working American who's gone out and got a house for $400k. You work hard, you pay your mortgage, you do all the right things. Then some slack **** dole bludger next door with basically the same house, who can't be stuffed getting off his rear and getting a...

Certainly opened my eyes... http://www.makepeacetotalpackage.com/clayton-makepeace/a-conspiracy-of-imbeciles.html

Hi all I'm trying to go to a seminar on the Gold Coast in a couple of weeks, and can't get flights back unless I go back to Brisbane. How long would it take to Brisbane airport from the Gold Coast in a car on a Sunday evening? Thanks

I'm refinancing a vacant block of land at the moment. Council rates value it at $245,000. CBA valuer values it at $195,000. The CBA calculated it at a block in the estate which sold some time ago (not sure when). This block is significantly smaller than ours and has inferior views...

OK, I've finally made it to 1000 posts. So I thought I'd post something a bit different, and even a bit controversial. There's been a lot of discussion lately on property being speculative (specufestors is a term often bandied about). And its far safer to put your money into shares. There's...

Hi I have just taken a property to St. Georges. Refinanced existing loan, now topping up with a secondary loan (portfolio). But we can't do it unless my wife's name is on the title. Apparently the MI doesnt like it, but it sounds like BS to me. Surely having one name on the title...

I've reproduced this from an email from Robert Ringer (on his mailing list) and it makes interesting reading on how continually pushing in the right direction will get you there. Its from a reader called Pat, with RR's comments at the bottom: Talk about a tough time growing up ... I know...

:mad: I've had enough. Please, NO MORE TALK ABOUT GETTING RID OF PLASTIC BAGS! Everyone seems to treat it like cutting plastic bag use is going to save the world. Well, it WONT In fact, its not going to make one scrap of difference. What happens to all the plastic bags now? They end up...