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How safe is your employment? Has anything happened at work to indicate you may no longer have a steady full time job?? But I guess it depends if you want a future relationship with Wizard also and what method would have least impact on your credit rating.

Hi Ms Jade, We currently have a variable loan with Macquarie and were also quoted about 7.49% in Jan to fix for 5 years. I was advised after the Feb rate cut that break costs for a 100% variable, $300,000 odd loan would cost me around $3,000. As our loan is also 80% LVR on that property...

We have a tax accountant (not guardian) and have found its a bit like insurance. You pay and pay and then provided you are set up right, the benefits come back all in one year when their set up reaps rewards, and saves you much more than what you have been forking out out over the years. For us...

Spoke to them an hour ago - under consideration still

Thanks Willair, Not a job I could do, hope the other benefits of her job are worthwhile. I heard the CEO or similar of CBA interviewed a couple of months ago and he was asked how they determine what rates to pass on. He said there is usually one bank that leads the charge, they look at...

Hi Willair, Did you get any feel for the profile of the loans they were looking to call in at all? For example, looking to reduce LVRs, or where income may be a problem or more likely those who have had credit problem in the last 12 months etc? Thanks Tulip

I know of one contract that was terminated with a mining contractor that got quite a bit of press recently, the terms of that contract were actually very much in favour of the contractor (had them over a barrel) sorry i dont understand this comment. So you are saying that the contractor...

Hi Chilliaa, I have found your posts very helpful and have a little information about the WA mining industry from my contacts. There are certainly more people loosing jobs than makes the media here in WA. The WA government is looking at undertaking a survey of all mining companies right...

My CBA LOC was 6.19% as of 12 December and remains unchanged. Of course being WA, we might be a day or so later.

Check out the major contractors who service the mine and power station (look for the names on trucks, earthworks machines etc), and see if they need any lay down yard or purpose built truck storage, workshops etc. Also ask the mines and powerstation if they have any current requirements...

Also some positions are restricted to 18 years and older, if he is just finishing school. While other positions may technically be open to younger than 18 years, there is often a preference for what could be regarded as a more mature workforce in general. Just check this up front for whatever...

Thanks Gross, just trying to understand.

Gross, I followed you the first part, but got a bit mixed up in the second. Are you suggesting that minerals and energy will be used up at a hugely greater pace than expected, to be quickly followed by wheat, beef and water? This is from demand coming out of BRIC type countries (what sort...

Looks like sentiment may be picking up towards housing in the uk. According to this report, http://www.timesonline.co.uk/tol/money/property_and_mortgages/article4916890.ece Investors who have lost faith in the banking system are turning to property as a safe haven for their cash...

Link to Rockingham Council info on the site http://www.rockingham.wa.gov.au/Planning_and_Developments/waikiki-hotel-site-application-by-greg-rowe.php

Here is a House price index report from the UK dated September 2008, might be a jumping off point for further research. http://www.rightmove.co.uk/pdf/p/hpi/HousePriceIndex22ndSeptember2008.pdf Looks like very high end of the market going ok in general, but no signs of a bottom in the...

Hi Jayro, There are a couple of separate issues you need to follow up on here, imo. The first is that the girls have accused you of inappropriate behavior which you have the right to clear your name from. The second is that the firm you work for has handled this really incorrectly. Why...

And the answers have already been published by the Courier Mail, I think its the same question although the list seems a bit different? http://www.news.com.au/couriermail/story/0,23739,24237080-5015825,00.html THE HOT SPOTS Ballina-Yamba, NSW Typical prices: $380,000 - $405,000...

Tropic, I think you would potentialy choose quite a different property if you wanted to lease it out compared to have it as a PPOR. If you were leasing it out, you would be looking to minimise negative gearing (off the top of my head rent $350 per week for 750k property with standard...

I understand in general the height of the tree if was flat on the ground is how far you can expect root damage to spread out from the tree. Thats a rough rule of thumb for damage to driveways etc, although obviously roots in water pipes can come from trees a long way away. My brother needed a...