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  1. sparky23

    Banks giving client a hard time!

    One of my clients called last night to say he is having problems getting the finance for the house he wants to buy from me at work. Initially he had a pre-approval from ING and then thought he might shop around for a better deal and ended up getting a pre-approval from St George aswell. However...
  2. sparky23

    Tenant breaking lease

    This question is on behalf of a client of mine. Having purchased one of the homes I am selling at work they advised their agent as currently they are renting. The lease was due to expire in November but they want to move into their new home at the end of June, the agent advised they would...
  3. sparky23

    ACDC tickets!

    Ok so hands up all the aging rockers on here that managed to get tickets yesterday? My hand is up for Sydney and I'm also excited about Wolfmother - I saw them at a side stage at the Big Day out and declared that they would go far! Next they were at a small local venue and then main stage at...
  4. sparky23

    Flying in the face of unemployment figures!

    Here I am again going in the opposite direction to everybody else! Whilst unemployment is apparently about to go through the roof I am happy to report that not only did my eldest finally get a job about 8 weeks ago but this week I went to 2 interviews and have received 2 job offers! Either I...
  5. sparky23

    Real Estate pay structures

    Does anyone on here work for Dougmal/Harcourts or have any knowledge of the way they pay their Sales consultants? Do they pay a base plus commission, commission only etc, I know that this varies from one agency to another. I have a couple of interviews coming up next week as I am almost out...
  6. sparky23

    No change in RBA rates today

    As most of us expected there has been no change to the interest rates today!
  7. sparky23

    Govt considers banning bank exit fees

    There is an interesting story in todays news, it appears that the government are not only considering banning bank exit fees but also banning service fees, default fees and penalty fees! Looks like payback for not passing on all of the interest rate cuts, the bill is going into parliament in...
  8. sparky23

    Class action against banks

    Here is a good one for discussion, a solicitor on the Today show this morning is getting together a group of people to launch a class action against the banks for not passing on the full rate cuts from the Reserve Bank! Here is the link for the story...
  9. sparky23

    Mortgage Watchdog

    Has anyone tried out the Mortgage Watchdog software as featured on Today Tonight? This is the link: http://www.mortgagewatchdog.com.au/phonefirst/main.html If so was it worthwhile?
  10. sparky23

    How much Board do your kids pay?

    Can I get some feedback from people on here as to how much board their stay at home working kids are paying? My son is 20. he spent a couple of years getting his IT diploma and doing various certificates and has just started a traineeship which pays badly for the 12 months of the traineeship...
  11. sparky23

    CBA reduced my loc rate

    Just logged on to my cba accounts today and there is a .59% reduction in my loc accounts effective from 30th March. They are now 5.09%, still a tad higher than the home loan accounts at 5.04% but a nice surprise anyway with no prompting. Hope it bodes well for next week!
  12. sparky23

    More positive stuff from the RBA

    I have just received an email to the speech in this link and thought it was a nice positive one to share! http://www.rba.gov.au/Speeches/2009/sp_so_260309.html
  13. sparky23

    Claiming back exorbitant bank fees

    Just wondering if anyone on here has had a crack yet at reclaiming their banks late payment fees? There was a story in the media a few weeks back that said when the banks charge their $35 - $50 fees for a late payment the actual cost to them is only a few cents and they said that people have...
  14. sparky23

    Hooray my son just got a job!

    Well it looks as though 2009 is just getting better and better for us! My 20 year old son left school at 16 and then spent 2 years getting an IT diploma, found a job after about 6 months which he managed to also lose a few weeks later and since then has found it impossible to get work in IT...
  15. sparky23

    Bridging loans

    Can anyone tell me about any decent bridging loans that may be around? I have a client who may possibly need one but his financial lady has told him that it will cost him $11,000 to establish something, is this the kind of cost involved with these short term loans? I have seen them...
  16. sparky23

    St George offer about to end

    If anyone has been thinking about taking up the St George offer at 1.5% below their std variable for 12 months offer I found out today that the offer will be ending either this week or next.
  17. sparky23

    Housing trust tenants

    I have been told by my rental agency that they have been approached by the housing trust who want to put in one of their tenants but I am worried about the quality of tenant that they would be placing, has anyone had much experience of this? The rent would be reliable as it is paid by them...
  18. sparky23

    Friday night again why are we here?

    Well here we are again, another Friday night and the same old saddos with no life sitting here with our laptops in front of the telly drinking JD and orange juice whilst the rest of the world is out there in the pub, probably in front of the telly drinking JD and orange juice - oh wait is that...
  19. sparky23

    Do you have hair if so how much poll!

    Rightio chaps this subject has been explored lightly on another thread but now I really have to get to the bottom of it and find out whether any of you blokes have hair and if so how much! I mean on your head just in case anyone has a smart answer! No particular reason other than for my own...
  20. sparky23

    Hooray LOC not called in after all!

    Well I posted a few weeks ago that the NAB had sent out a letter with no pre-warning that they had decided in an annual review not to renew our LOC. In short we had to make other arrangements for the $175,000 we had borrowed. I sent in an assets and liabilities statement and since then had...
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