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Whatever amount you have in the offset has the exact same effect as having the same amount paid off your loan (assuming it is a 100% offset account). If you have a $300k loan and pay off $100k, you will pay interest on $200k. If you have a $300k loan and have $100k sitting in an offset, you...

The details don't add up. Rented at $370 p/w = $19,240. After playing with your figures, I think you have started with $370, taken off the 10% PM fees, then taken off the $10 loan and trees payment (whatever this is), which would give you the income figure you have provided, but that is...

Other peoples' money. BR

Bookmarking the page is definitely the best option, because you can name the bookmark whatever you want, so the reason you are keeping it is maintained. Sometimes, some of the info you want is not actually related to the original post name, which is what shows on your list of subscribed...

You get rich idiots that started with nothing. You get rich idiots that were given everything. You get average idiots that started with nothing. You get average idiots that were given what they have. In short, you get idiots everywhere you go, regardless of their historical financial...

Duh... Thanks. BR

I don't see why not. Can you post a photo of yourself suited up? :eek: BR

A lot. A good quality Latex mattress is where it's at. Absolutely sensational. We bought a Pure Comfort and we love it! BR

Mate, just stop reading this thread and leave people alone to have a laugh. You've made your point. Once is enough. Now go away. By the way, I'm a Liberal voter and also thought the 'Happy' video was awesome. BR

Alex, For your level of stress, a government job is the only job you should be in. Anything else will have you in a screaming heap within the first month. Find a professional, sort out your issues first, then consider doing something else. BR

Don't just pick a random figure. Talk to your/a broker and get them to give you the 'best' figure. For not much more LMI, you may be able to to increase your LVR a few %, minimising your cash input. BR

Mick, can you expand on the 'delivery' rate? I haven't heard of this before and don't quite understand. BR

And where's the fun in that? :D BR

You could also get your mate to list his $350k house for $500k, 'talk him down' to $400k, score a whopping commission, get your mate a killer deal and fleece your client. People will always work out ways to make incentive schemes work for themselves. BR

Over 2,000 episodes and still going. The cult is strong in this one. BR

I have the same issue. I don't think you are doing anything wrong. I have played around with it and it just seems to have poor filtering. BR

I have just done this with my most recent purchase. When I was initially working out figures I was leaning towards 80% to avoid LMI, but after having the effects explained and crunching a few numbers I realised that keeping a larger buffer is a much smarter option (for me). It kept about $25k...

You could also have a crack at the world's best-ever selling book. BR

When you want an IP, not a PPOR. I have no medium-term intention of claiming the FHG under any form. By the time I actually buy a house to live in, who knows what programs will be around. BR

Making money wouldn't hurt either. :rolleyes: BR