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dont do it I agree with many others here, you are going down the road of fraud 1/ you will considered defacto by centrelink and she will need to declare your income as she partnered to you, own bank account wont cut it 2/ not sure of ages here, ie if we talking youth allowance or austudy...

hello felow forumites I would love to see what experience and thoughts people have in a situation where i am being asked to rent a furnished apartment with very nice ocean views at a premium rental price, but as a extra sweetener if i include power, water, electricity (with a cap) company...

hey Sparky Can i just say hang in there and good luck, my accountant recently relayed a story where he helped a customer access superanuation under hardship provisions, would could this help you in any way stalling banks, helping lvr etc? Apra may give you some ideas, help...

confused hey guys i am confused, but that is nothing new, i read this as a queery about cgt (capital gains tax) not gst, was that what queery was or was it in fact about gst which i admit is a interesting question as well? cheers

I have downloaded new manuals from the internet for 2 types of alarms when manuals were lost, and even aircon manuals as well what brand of alarm?, i may even have saved manual on puta cheers

Rabo online account now paying 8% at call and better for term deposits, still leaves a gap though cheers

Buy some blue chip shares, property trusts etc? might be the go, is what i have done, gives me accessable liquidity and hopefully long term growth/diversity and ok dividends. just a thought, dont take as advice, everyones situation varies cheers

hi future I cant praise Quickens personal plus highly enough, i have all data recorded for properties, shares atc and i never ceased to be blown away by reports etc i can do, i am so chuffed sometimes i would love to show people but most people seeing all the red ink would die, or have me...

strannick clause appears to be one of few added to lease by PM, and i now include in my self managed lease. cheers

add to my leases hi gang the following is included in my leases Water bed. Aquarium, Swimming Pool, Spa The Tenant shall not without the Owner's prior written permission install any water bed, aquarium, swimming pool, or spa on the Premises. If the Tenant has received written...

cashflow have you thought of parking the money in aaa blue chip fully franked shares, that way you have money at arms length from bank and done right will get good return. Not without risks or sleepless nights though, depends on sanf cheers

great new offsite backup alternative Have to share with everyone Besides being a lover of all things property, i tend to be a bit of a old computer nerd as well. in page 6 above i mention how chuffed i am with a remote backup program called mozy that allows 2gb free automatic offsite backup...

prepay interest if you can as suggested but also prepay council rates land tax Water and sewaerage strata levies repairs through a tradesman, prepay and others i am sure cheers

When co-contribution came in i was confused as whether i would get and even got told by a staff member in call centre i wouldnt. Year in question they must have allowed my ajusted income as my straight payg was too high. I continued to recieve in last couple of years. I personally thought...

hey rolf can you put that in laymans terms? re new rounds of bond refinances? cheers Peter

Ouch My Macquarie LOC now 10-46%, where does it end, i hope they dont just put it up .20 or .40 each week. Maybe the theory they will push everyone away is correct, anyway we will see. Theories? cheers

Hi Poppy and homebrew I am in the west and went to the invited seminar you are speaking of, the speaker i found very good but most people there were 1 ipo owner just starting out, inexperienced, having said that i know i came away a bit clearer on a couple of things that were asked at the...

Hi Gang i have collected various calculators i use, and i like this capital gains calc, and have used occasionly http://www.yourmortgage.com.au/calculators/capital_gains_tax/ hope it helps out even if roughly cheers

caution needed i would strongly suggest caution as well on a different front, but from a centrelink veiwpoint, need to look at gifting rules and or the deeming rules even if it done as a legitimate loan she deemed to be earning x rate on the money. Ensure you discuss with Centrelinks Financial...

Thanks gang, So the various "cashflow" loans available in Australia that some property mortgage brokers sell that start at 3% then go to 5% then 7% then the full rate (not sure of my figures) and basically capitalise the loan for several years arent ARMS? Have to admit i struggle with the...