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What is the best way to ensure the wall is not load bearing? My wife and I were looking at a place on the weekend that could benefit from a wall being knocked down but neither of us knew how to confirm 100% if the wall could removed. Cheers,

Just on that almost everyone I know who lives in point cook and commutes to the city will go to laverton station. Aircraft to laverton station is about 10 minutes walk or a minute in a car. I know I drive from my place in Point Cook and can be at Lavo station within 5 minutes :) Add to that the...

I hate to use this baby but "its different over here" :D Your absolutly correct GoAnna that falling interest rates in Aus will lessen the risk. People fail to take into account, different countries have different attitudes and culture. In the UK a large majority of the population (73% *)...

Its even more amusing when you read it as an RBS employee :rolleyes: We were having a laugh about it at work the other day when our new ceo was asked about pay rises and bonuses and basically said... "This year we will be paying wages and be gateful you have jobs in the current climate" Not...

All this talk going around about long term fixed rates got my grey matter going, but I've come across a question I'm hoping someone can answer. If I fix a rate for a long period of time lets say 10 years, how do I go about accessing the extra equity that will be generated over time without...

For me personally fantastic, as we selected a prime location well before the new overpass was even started. So it takes me about 20 seconds to get onto the freeway 5 minutes to get to the zone 1 train station 2 minutes to the shopping centre. Walking distance to 3 local schools and a...

All of which Im told has now opened and is very busy. Add to that the new overpass to ease congestion getting onto the freeway and you can see Point Cook is doing quite well. Speaking to family recently the local priest for the area was saying they are looking at opening another 2 primary and...

Anecdotely I'd say they are falling. I can't say I have been monitoring them though so I don't have hard facts to back this up. However I do have a couple of real world examples. I recently moved from a 1bedder to a 2bedder that was about 5 years older than my previous place. The rent should...

Whilst I'm happy for people out there to believe that the banks will start calling in loans after they dip into negative equity I don't agree. I think this whole debate has missed the political side of this argument. Now without derailing the thread I've seen 1st hand what happens when people...

This is a UK based article on the UK market, I don't see the same happening in Aus. In the UK there is an abundance of properties available to rent, and has been for the 12 months I've been here. Property prices are dropping as nothing is selling... why buy now when it will be cheaper in a...

As a property owner in the west of Melbourne I've been thinking abit about this lately, although I'm currently on the other side of the world :D Im wondering if the cheaper areas are going to get a bit of growth as people rationalise their buying decisions with current downswing. Why spend...

Stingray 2% a month each month for 20 months sounds quite dire, do you have any examples of such situations? And no 40% in 12 months is not the same. Now onto the move back in with mum and dad comment, I'd love to understand why you think that with record low vacancies at the moment how you...

If the plans have to go past council for approval, then that would be the first place I would be going. No use getting the engineer to do plans only for council to reject them, or bring up other issues. I'd want the council onside first, then take it to the engineers etc... Just how I would...

Bah Williams Landing.... give me Laverton anyday. In case you didn't know the area was Laverton, but that was seen as an undersirable name. So they chose a new name for the area to have less stigma attached to it. :D

Winston, I was expecting a response like this when I was writing my post, and I do agree with that you've said, in that a PHD doesn't mean you can evaluate risk. I believe the maths was not the problem, the quants just punch the numbers and make the models. Someone from the business and with an...

Having worked in the investment banking arena for the last 6 years (albeight in IT) I thought I better clear this up as I know it. VaR is value at risk which relates to mathematical formulas and models, its not an actual computer program. However almost all trading applications are linked and...

I agree sailor, having seen quite a bit of IT outsourcing it seems to be the "thing" to do if you make those sort of decisions. Funny thing is I haven't seen it save any money as it just creates new roles that didn't need to exist before. Also I'm yet to hear from an outsourcing arrangement...

The place I'm currently in here in London has one of the said "European laundries", in fact every place I looked at had them here :p We've got everything in our kitchen area hidden behind cupboard doors; oven, fridge, freezer, washing machine, dishwasher. A couple things to note, our over in...

I'm not sure what you're worried about. Just claim as much as you are entitled to. You won't trigger anything if your income drops below a certain threshold, although eventually you may run out of income to deduct against ;)

Good point KeithJ, your stats got me searching the web to find out what size towns we actually have in Aus as off the top of my head I thought places like Geelong or Newcastle would have been in that range. The ole wikipedia had some intresting easy to ready table which confirmed your point...