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    Regarding appliance and floorboard warranties when moving into a 2 year old house

    We're moving into a 2-yr old house with relatively new appliances (ducted air, oven, gas fireplace, etc.) and 2-yr old floor boards. My question is what is normally done regarding transfer of warranties to the new owner? Do I have the right to acquire them? This is our first time moving into an...
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    Is it worthwhile investing 5K in shares?

    I have a measley 5K to play with and I want to try shares again. I say again becuase I have tried it before (same amount) and GFC ate it all up. I just tried my luck but I unfortunately it wasn't there at that time. Anyway, if this is all the money I can put into shares, is it still...
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    Need to apportion?

    Hi everyone. Just a quick question... 2008: PPOR loan - 300K (with redraw and offset facilities), 50K offset 2009: Redrew 100K from PPOR to buy 1 IP PPOR loan - 400K (with redraw and offset facilities), 50K offset IP loan - 500K 2010: "Influx" of cash - 300K PPOR loan - 400K...
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    Digital SLR Cameras

    A question for photography enthusiasts! I've been researching about DSLR cameras and decided that I'll buy a Nikon D5000 this weekend for it's features and price. I'm still a novice (well, actually, just beginning to get interested at it) but I'm planning to take my photography skills to the...
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    Diet, Exercise and Weight loss - help!

    I'm male, 37 years old and in the 3rd week of my weight loss journey. I have lost 3 kilos (107 kg now from 110 kg) but I think I've already hit a bump and I feel my weight loss has stagnated (or I am just paranoid and frustrated!). My aim is to lose a kilo a week and my goal is to lose 30 kilos...
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    101% performer: house prices double in a decade

    http://www.smh.com.au/national/101-performer-house-prices-double-in-a-decade-20091023-hdcz.html?autostart=1 Not sure it will happen in the next decade though... in 15-20 years perhaps?
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    How do I keep the birds off our verandah?

    We have a small verandah at the second level of our house and it's seldomly used especially during winter. I had a look at it last weekend and the grills and walls were full of bird poo! I've cleaned it off thoroughly but just after a few days it's starting to build up again. What's the best way...
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    Formula to compute total daily interest?

    Just wanted to ask the accountants here or anybody who knows... is there a simple mathematical formula to compute the total daily interests given the number of days and interest rate? Thanks.
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    Molds on tile cement and sealant

    I'm starting to see black molds on the cement/filling in-between tiles and even on the silicone seal in the bathroom shower area. I clean it every week but still they seem to be scattering around in patches. I tried mold cleaners, bleach and a sturdy brush but they don't seem to work especially...
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    Residex forecasts - how accurate?

    Just wanted to know how many of you guys use residex reports for your research. Were they spot-on in the areas you've chosen?
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    North Western Sydney Suburbs

    What do you guys think about investing in North Western Sydney suburbs such as Glennwood, Kellyville Ridge, Acacia Gardens and Stanhope Gardens? These suburbs have > 10% annual growth forecast (by Residex). Been noticing price growth particularly here in Kellyville Ridge recently. And with the...
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    As long as it is not a contrived scheme to gain a tax benefit..

    I got this from bantacs.com.au ------------------------------- Capitalised interest is deductible Hart’s case would not have had to resort to Part IVA if it wasn’t. If you can’t afford to make the interest payments on your rental property, borrow to pay it then the interest on that loan is...
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    Set-up of bank accounts

    Been reading a lot about account structures/set-up and debt recycling (especially Corsa's post). I'm still a bit confused if it would make a big difference in our case. We currently have a PPOR and we'll be buying our first IP next week. IP will be negatively geared and we used cash instead of...
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    Prime Alliance

    Has anybody heard of Prime Alliance? Are they any good?
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    No LMI?

    We're having problem with the bank regarding a display home (as an IP). They would accept our application only if we pay 20% of the loan as the display home can't be covered by LMI. Our broker worked around the problem and came up with a solution which the bank accepted. This was explained to us...
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    Land as IP

    Just wondering whether payments for land are tax deductible. For example, if I buy a block of land and pay around 1.5K a month on a P&I loan, and do that for 3 years without building a house, would 1.5K/mo be considered an investment and, thus, deducted from my taxable income?
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    News today - Cheaper new houses?

    I was watching the news this evening and one of the headlines was about the gov't lowering levies on property developers/builders by around 25K and that this should be passed onto to buyers. Was searching for an article about this but I think it's not out yet... will search for this tomorrow...
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    Difference in tax returns

    Could somebody please help me with these scenarios: 500K value of IP 485K loan Taxable income of owner 1 is 60K (and 10K Fringe Benefits) --> tax is 13K Taxable income of owner 1 is 30K (and 30K Fringe Benefits) --> tax is 6K Tax deductables (including depreciation) = 30K Scenario 1...
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    2 depreciating schedules?

    2 depreciation schedules? We're buying an IP (new house) which is currently a display home and site office of the developer. They will rent for at least a year and after they move out, the kitchen, 2 bedrooms and study will be put in place. My question is how will the depreciation schedule be...
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    Capital Gains & CGT vs PPOR loan repayments

    I know CGT has been previously discussed here a lot and I have aslo been checking the ATO site. I was just analysing the effect of the IP payments on our current PPOR loan. I have laid out the figures and been computing and comparing. Not good in math but I think simple arithmetic did the job...
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