https://www.propertyinvesting.com/members/diclem/activity/ Activity feed for diclem. Tue, 14 Apr 2026 16:05:45 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 f8cbc386d125767cc74e60916a12791b https://www.propertyinvesting.com/topic/4390704-sick-of-greedy-plumbers-electricians/page/14/#post-4573761 Wed, 23 Mar 2011 10:44:35 +0000 I'm with you on that one, Rich Sparky, I'll add some…….. holiday pay, RDO's and trade school, one week every four weeks where the apprentice gets a full weeks wage including allowances and he/she's not earning you a cent How about the stuff ups, expected from a learner of course, but can be very costly….. a slow drip under a basin that goes…[Read more]

]]> 79fb60b927dac754fdccc228003bf3f2 https://www.propertyinvesting.com/topic/4400180-contract-different-for-commercial-property-vic/#post-4625684 Wed, 09 Jun 2010 03:49:32 +0000 Thank you for your comments, much appreciated

]]> 30da57627da5f608093395808369c31c https://www.propertyinvesting.com/topic/4394702-macquarie-interest-rateschanges/#post-4595528 Tue, 11 Nov 2008 09:12:05 +0000 Thanks for the replies.I have an LOC and a separate IO basic loan with them.These loans worked well for us in the good old days ie. About 12 months ago!As you'll know, they upped their interest rate what seemed like every month.Apparently I have a 1.5% discount on my rate, feel sorry for those that don't.Have looked into a NAB Choice package,…[Read more]

]]> ea78843496c9de27b20ad747a8523a10 https://www.propertyinvesting.com/topic/4394401-what-does-a-1-drop-in-rates-do-for-us/page/2/#post-4593908 Sat, 25 Oct 2008 09:33:02 +0000 Hi Don,I saw NAB have their 2 yr fixed loan at 6.99%Don't know if that's what Richard was referring to.Cheers,Sue

]]> 9dde02e6c673b7881236732ec19c0f5a https://www.propertyinvesting.com/topic/4393400-loan-discharge-fees-deductable/#post-4588472 Sun, 20 Jul 2008 10:58:02 +0000 Thank you for your reply Alysha,Sue

]]> ee1006b92833fbd55358435e07527edc https://www.propertyinvesting.com/topic/4393010-housing-boom-is-busting/#post-4586121 Thu, 24 Apr 2008 22:55:11 +0000 Hi, I don't think the figures add up…Inverloch falling 13% from 305,000 to 280,000 ….. 13% of 305K is 39650….. the 25K drop they've shown is 8.2%Anglesea from 440K to 420K equals a 4.5 % drop, not 9.7% as they stated.Is my maths way off the mark?Sue

]]> 3402a779ed6dc9a76e27d28bbb59fdeb https://www.propertyinvesting.com/topic/4392554-last-major-nodoc-lender-withdraws-from-australian-market/#post-4583880 Wed, 19 Mar 2008 21:05:15 +0000 Thanks for the info Richard,I have Macquarie lo doc loans as well. A LOC and a separate basic loan for an investment property.The LOc jumped up .4% last week, which I expected, but the other loan up .7%!I have also been looking to buy another IP with 20% coming fom LOC and taking another loan…….I now have my business financials up to date so…[Read more]

]]> 097d76549082f6ab7e570e0fb5404e8c https://www.propertyinvesting.com/topic/4390704-sick-of-greedy-plumbers-electricians/page/13/#post-4573741 Thu, 17 Jan 2008 09:12:44 +0000 I don't understand the constant referral to tradies being of low IQ or lacking brain cells.Why is this assumed, is it because they didn't go to uni and prefer to do manual work?As a parent, I've noticed there a different types of intelligence. I don't think you are necessarily one type or another, but likely to be stronger in one area……Three…[Read more]

]]> 28a6ff64e29e3a4de08f2222cf4f8581 https://www.propertyinvesting.com/topic/4390704-sick-of-greedy-plumbers-electricians/page/11/#post-4573706 Sun, 06 Jan 2008 00:20:59 +0000 Phorsha,I would gladly pay an IT professional $88 to come out to my house and remove a virus from my system. In fact, I would be happy to pay more. Even if it took them two minutes…. if its something I can't do myself,  I would happily pay a professional to do it for me.

]]> 446c3dde256b29d2c6e70118c98add90 https://www.propertyinvesting.com/topic/4391807-macquarie-global-limit-loc/#post-4579490 Fri, 04 Jan 2008 12:01:04 +0000 Thanks for that Richard, I didn't realise they compensate for the insurance in the interest rate. Although my lodoc is at a lower rate than their advertised lodoc rate – I guess I might be getting a little loyalty discount as I'm near the end of the five year penalty period!Thanks also Trent, I do have a Global limit on my LOC between my sub…[Read more]

]]> 2b36b34649dbf56bee6f5f71afdbc1b6 https://www.propertyinvesting.com/topic/4391807-macquarie-global-limit-loc/#post-4579486 Fri, 04 Jan 2008 09:30:11 +0000 Hi Madproperty,I have had a macquarie LOC for nearly five years now and haven't had any problems. The only complaint was that they raised their interest rates by .3% very quickly after the US sub prime loan problems. After that happened I did a bit of shopping around and couldn't really find a better deal as my LOC is low doc. Everywhere else I…[Read more]

]]> 0286643c462758775c430d85de7a45e3 https://www.propertyinvesting.com/topic/4391801-bath-tub/#post-4579462 Thu, 03 Jan 2008 12:04:11 +0000 Hi,It depends on who you are marketing your property towards. Is it a trendy apartment/unit meant to entice young singles/couples without kids or a house meant for families?I'm not sure how it affects value, but the singles/couple may prefer a double shower or double vanity. Someone with kids or planning them will definately prefer a bath, even if…[Read more]

]]> fac237bdde396f59a3427faf80e51f85 https://www.propertyinvesting.com/topic/4390704-sick-of-greedy-plumbers-electricians/page/11/#post-4573698 Thu, 03 Jan 2008 11:51:50 +0000 Hi Phorsha,Did the plumber give you the answer you were looking for? Or give you advice to fix your problem?Did you ask your dad to ask what the estimated cost would be before he came out?If you knew the price, and I imagine you did as you wanted a discount, then why does it matter how long it took?If you didn't get the service you were looking…[Read more]

]]> a5aa985e14de2eae6d2ced14a14949e9 https://www.propertyinvesting.com/topic/4391683-developers-running-drainage-through-our-property/#post-4578756 Thu, 20 Dec 2007 08:08:51 +0000 I agree with Scott, why is this pipe going through your property?I imagine you must already have a drainage easement on your land, if that's the case then I don't think you have much choice.The developer of course, has to return your property to how it was previously.Please get some official advise on this one.Cheers, Sue

]]> a020c21f852ea6986ff85e5896b8f1ac https://www.propertyinvesting.com/topic/4391594-how-aussies-are-ripped-off-in-america/#post-4578238 Wed, 05 Dec 2007 09:21:01 +0000 As I have been a member for a while I do remember a "Westan" who used to contribute to this forum quite a bit. On reading the article, and the details on his deals, I believe it is the same person…..Are you still on this forum Westan?Perhaps you'd like a chance to put your side of the story across?

]]> decb72b356c6d96223fc48e6d500bc82 https://www.propertyinvesting.com/topic/4391525-should-i-refinance/#post-4577792 Tue, 27 Nov 2007 03:33:50 +0000 Hi Simbacat,KY is correct in this first part of his post. If you simply refinance to the full loan possible, the extra money above the 189k current mortgage would be seen as used to fund your new residence. Not used for the purpose of purchasing your investment unit and therefore not tax deductable.By selling to your husband, he can take a loan…[Read more]

]]> 1ada8545328d1053e36def90cd974bd5 https://www.propertyinvesting.com/topic/4391519-writing-is-on-the-wall-labour-will-win/#post-4577750 Sun, 25 Nov 2007 20:36:01 +0000 I agree with the general theme of the above topics, especially the post by jtw. I was at a birthday BBQ saturday night and obviously surrounded by Labour voters. They were ecstatic about the result. I was feeling a little ill myself! Where are the Labour voters on the forum? Or are property investors more inclined to favour the Liberals?

]]> 828da62db6cae7c86cee2e0178275b23 https://www.propertyinvesting.com/topic/4391485-settlement-cheque-in-wrong-name/#post-4577456 Tue, 20 Nov 2007 20:08:17 +0000 Well they finally placed the settlement money in my account….late Tuesday.The amount is slightly lower than the original cheque I saw, I think they deducted their fee already!Maybe they have got half a brain between them and realised I'd dispute their "fee for service"No doubt it happens to them a lot.Now I may have to just write them an…[Read more]

]]> 00fa4bc0c8bb2e2cc14af30f1796c4d2 https://www.propertyinvesting.com/topic/4391485-settlement-cheque-in-wrong-name/#post-4577455 Mon, 19 Nov 2007 20:33:59 +0000 Thank you Raddles,The name on the cheque was the same as the name on the contract and every other document they have. It's not like we asked for a cheque in a completely different name.I realise its a simple mistake, but this is a legal procedure where everything should be double checked surely.It's their attitude and total lack of communication…[Read more]

]]> 014b5e8c36dea627868faad627dcaa64 https://www.propertyinvesting.com/topic/4391466-written-offers-2/#post-4577371 Mon, 19 Nov 2007 20:04:14 +0000 Astrawan, please speak to a legal professional to confirm that nothing can be done.I guess there is a possibility that the purchaser finance may fall through….but as i said speak to a professional.Best of luck

]]> 1e7e162c4fbd029e9e6b8f15d30af38d https://www.propertyinvesting.com/topic/4391460-property-manager-rates/#post-4577331 Mon, 19 Nov 2007 10:57:48 +0000 What state are these properties in?My property manager charges 5% plus GST (5.5%), One week's rental for finding a tenant, and nothing else.He also calls us first for all maintenance as hubby is a tradie.I'm in Victoria and the rental market is very strong in this particular area.

]]> 7ebc23fe4c59ab17ce20a90db8663532 https://www.propertyinvesting.com/topic/4391476-brick-of-timber/#post-4577425 Mon, 19 Nov 2007 10:45:24 +0000 Hi To,It also depends on the style of the home.For instance, in my area a  weatherboard Californian bungalow will fetch a much higher price than a basic brick house of the same size/age/state of repair. As far as maintenance goes, I would say that a weatherboard house is higher.

]]> a91cd480fea98d8225f47c49b6db9051 https://www.propertyinvesting.com/topic/4391466-written-offers-2/#post-4577369 Mon, 19 Nov 2007 10:37:21 +0000 Astrawan, If you signed a contract I don't think you can get out of it now, best you talk to your solicitor.In Victoria, I'm pretty sure there is no cooling off period if you sign a contract 3 days before and 3 days after an advertised auction date. I also thought the cooling off period was for the purchaser, not sure if applies to the vendor?…[Read more]

]]> 030b2ab4e669b058ecbdbd3def39624c https://www.propertyinvesting.com/topic/4391354-learning-experience-even-a-simple-purchase-of-first-home-can-go-pear-shaped-at-the-last-moment/#post-4576820 Mon, 05 Nov 2007 21:51:26 +0000 What a horrible experience!I have bought a few houses and I must say I have never thought to check whether their should be two signatures or not!I will now.You'd think one of the more experienced in this drama would have picked up on it earlier though. Firstly the agent, then the conveyancer and the mortgage company.I suppose you could consider it…[Read more]

]]> 189fddbd898d7a1bfd7423dfdf7c868e https://www.propertyinvesting.com/topic/4390704-sick-of-greedy-plumbers-electricians/page/10/#post-4573672 Thu, 01 Nov 2007 20:24:38 +0000 Badgers,Try getting your tradies through "word of mouth".The best tradies aren't in the yellow pages.If you manage to get one of these tradies referred to you and you still have problems, it might be time to reassess your own attitude towards the trades.

]]> f956e2fd2efa5b1f2ea8bbb283955c27 https://www.propertyinvesting.com/topic/4391229-warranty-on-oven-hot-water-system-and-cooling-system/#post-4576240 Tue, 23 Oct 2007 21:07:51 +0000 Hi Kenzel,Most, if not all, HWS's have the date of manufacture on them. So, this should help you should you need warranty service.If you're in Victoria and the cooling system is the ducted evaporative kind, you should have a sticker inside your electrical meter box. This is from the certificate of compliance from the plumber, unfortunately it's…[Read more]

]]> 421da9bcb0bc88cc5dc837cd139c45a0 https://www.propertyinvesting.com/topic/4390704-sick-of-greedy-plumbers-electricians/page/9/#post-4573666 Thu, 18 Oct 2007 21:24:36 +0000 Dom, I imagine any one who is not a tradie will say yes, and anyone who is will say no!How do you decide or know what's too much?it's a bit like asking if interest rates are too high….Those of us around in the late eighties will probably say no,Those who have only had loans in the last 10 years or so will probably say yes

]]> c60a3fdaeea3f1c409442a4f93decff8 https://www.propertyinvesting.com/topic/4391162-about-to-move-to-new-house-when-to-get-connected-to-electricity-gas-and-water/#post-4575894 Wed, 17 Oct 2007 10:25:20 +0000 Hi kenzel,I wouldn't count on the services still being connected when you get there. Sometimes they do actually turn them off.I usually ring a least three days before for the gas and electricity to be changed in my name on settlement day.The water is changed over by the solicitor/conveyancer at settlement, it doesn't get turned off at all.

]]> 6401787c76163a3c2f624e2555e4455c https://www.propertyinvesting.com/topic/4391085-settlement-adjustments/#post-4575581 Thu, 11 Oct 2007 03:57:08 +0000 My settle ment is due tomorrow, and the vendors solicitor has only just let my solicitor know the bank cheque details.I need to drop off a bank cheque, which I only just got details of, by 3.30 today and its already 2pm!So I'm off now, lucky I don't have far to go…

]]> 33cc757ddf2f6bad6201e10fc7e2ef29 https://www.propertyinvesting.com/topic/4391087-buying-in-melbourne/#post-4575583 Thu, 11 Oct 2007 03:51:49 +0000 I f you hold off, what are you hoping will happen?More stock, lower prices?Suburbs within 10-12 of cbd seem to be haing their own mini boom at the moment.Where are you looking?

]]> 4ce713cf143ddf7d1cb512331e2d7495 https://www.propertyinvesting.com/topic/4390957-heidelberg-heights-a-good-area/#post-4574893 Thu, 11 Oct 2007 03:47:45 +0000 How close to Rosanna station?If you are bordering Rosanna I would consider it.Heidelberg heights has had some good growth.Heidelberg west is worse. Both for reputation and growth.I lived in the Commission area of reservoir for a few years and experienced quite good growth there as well.

]]> ddcea897990fb04b35bbc31060bf08e1 https://www.propertyinvesting.com/topic/4390704-sick-of-greedy-plumbers-electricians/page/9/#post-4573660 Thu, 11 Oct 2007 02:16:41 +0000 Ok, we have a different interpretation of a bogan.To me a bogan is more of  a stereotypical dole-bludger type.Doesn't want to work, lives off handouts, never plans to improve themselves and if they do work, its the basic manual labour jobs that they do.I agree that they don't give a crap about anything though.Now that's clearer……I reckon the…[Read more]

]]> 824569c20902f0a9b3d9337eb4f19f5e https://www.propertyinvesting.com/topic/4390704-sick-of-greedy-plumbers-electricians/page/9/#post-4573658 Thu, 11 Oct 2007 01:40:58 +0000 The cashed up bogan bit.It that someone who does manual labour for a living?Making them lower class because they don't have a 9-5 office job?Is the guy who quoted $3500 the cashed up bogan and the other guy what is he?

]]> 760aaa923cb5e4568b75418290d59847 https://www.propertyinvesting.com/topic/4390704-sick-of-greedy-plumbers-electricians/page/9/#post-4573655 Wed, 10 Oct 2007 23:27:54 +0000 Do they "own" those things Dom?You can have them too, its called debt, anyone can do it if they choose to live that way.

]]> 765e196a7cbd1a6a810263ac363520cb https://www.propertyinvesting.com/topic/4390704-sick-of-greedy-plumbers-electricians/page/9/#post-4573652 Wed, 10 Oct 2007 12:02:36 +0000 Well said winterheart, very balanced I thought

]]> db1fcdf6953170291cf3349b2b1bf416 https://www.propertyinvesting.com/topic/4391078-dulux-one-coat/#post-4575559 Wed, 10 Oct 2007 11:28:51 +0000 Thanks Dave and Wylie, I appreciate your comments.I guess if the walls are a close color to the new paint, one good coat might do.I'll give it a go.Cheers,Sue

]]> 36413459bcbd31cfde36dd1936c4ae38 https://www.propertyinvesting.com/topic/4390704-sick-of-greedy-plumbers-electricians/page/8/#post-4573650 Wed, 10 Oct 2007 10:58:24 +0000 As james said above, we tradies know there are shonky dealers out there as we also have to clean up their stuff ups.One of our builders had  two building jobs at once so he used the plumber with the cheaper quote on the second dwelling.We'll start with leaking Solar Hws on the roof, two story townhouse 50% plaster ruined. By the way this is a 2.5…[Read more]

]]> f1771b68f6809980d9adac7545e422e5 https://www.propertyinvesting.com/topic/4390999-expensive-weddings-yet-high-mortgages/#post-4575152 Tue, 09 Oct 2007 07:11:03 +0000 Wow, $150 per head for a baptism, that's mad!How many people did they have?I had backyard barbies too…. Same with the kids parties…goodness I must be cheap

]]> 9240286e6af4d627a8c114d41dbc1624 https://www.propertyinvesting.com/topic/4390704-sick-of-greedy-plumbers-electricians/page/8/#post-4573636 Tue, 09 Oct 2007 01:08:48 +0000 In earlier post I stated that I am a plumber's wife….By building work I guess you mean carpentry? So it was a carpenter and not a qualified builder running the job. I see that now.I understand that you might not want to employ a builder to put a mark up on the tradies prices, however a quality builder has a trusted group of tradies that he is…[Read more]

]]> 0312ebbfe0ca995f449bb0d28bcae8f7 https://www.propertyinvesting.com/topic/4390704-sick-of-greedy-plumbers-electricians/page/8/#post-4573634 Mon, 08 Oct 2007 23:55:33 +0000 How'd you manage to use 5 plumbers in one renovation?You didn't get quotes for the entire plumbing works?Just called a plumber to do a little job here and get another to do something else?Tradies hate that. And you're getting yourself ripped off because of all the travelling time, etc that they have to factor into every little job each one…[Read more]

]]> 40b32a0ef6c4e5118484a7234c8a6aaf https://www.propertyinvesting.com/topic/4390704-sick-of-greedy-plumbers-electricians/page/7/#post-4573627 Sat, 06 Oct 2007 12:58:00 +0000 Note: Married to a tradie….I don't think the tradies are being defensive or sensitive as suggested, I think they are trying to explain how being self employed works and the reasons for their prices. Many have gone into great detail about the running of a business when you are self employed and all the work, and expenses, on the side that are n…[Read more]

]]> 79ed2197588d55f5f16d84038a653ac6 https://www.propertyinvesting.com/topic/4391031-options-on-refinancing-need-opinions/#post-4575328 Fri, 05 Oct 2007 09:20:49 +0000 I feel for you, we had a similar problem four years ago. We had a home loan with a big 4 bank for 11 years and decided to upgrade. Unfortunately we had only been self employed for 6 months when we did this and our loyal bank wanted nothing to with us, even though we only needed to borrow 30% of the purchase price!We ended up with a low doc loan…[Read more]

]]> 4a2a46181b74a5ee69f087dd8d5d542b https://www.propertyinvesting.com/topic/4391030-delayed-settlement-by-vendor-bank/#post-4575325 Fri, 05 Oct 2007 05:53:38 +0000 Thanks for your reply Linar,I am not really upset with the vendors as it is one of those lovely banks causing the problem.It is just really annoying when your plans get all mucked up!I am itching to get in an tidy up the place as there are practically tenants lining up at the door.I don't really want to cancel the contract, as I believe it was a…[Read more]

]]> 4ed0352415296c90ab5d71843be8829c https://www.propertyinvesting.com/topic/4391030-delayed-settlement-by-vendor-bank/#post-4575323 Fri, 05 Oct 2007 00:23:22 +0000 I think so, the contract was signed on the 4th August at auction, with settlement in sixty days.So the 4th of October was set as settlement day.What I meant was, they had a full 60 days to get the bank ready. The property was on the market for at least 4 weeks before the auction so its not like they were rushed or anything.On auction day they…[Read more]

]]> 6fa62521a20d414b34c7c256cc88798c https://www.propertyinvesting.com/topic/4390648-whats-reasonable-for-end-of-financial-year-accounting-fees/#post-4573240 Fri, 31 Aug 2007 12:27:29 +0000 The question is not how much he cost, but did he get you more than $1200 extra in your pocket than the accountant that only cost $120 last year ?Or will the advice he gave you improve your position, or lead you onto a better or clearer path?Are you comfortable with him or do you feel that he is a little shonky?Our accountant charged us $1700 last…[Read more]

]]> e5159440bf182333f32e20ab6c1f40fb https://www.propertyinvesting.com/topic/4390643-wealthscore-how-did-you-go/#post-4573099 Fri, 31 Aug 2007 06:54:46 +0000 Thanks Steve,I feel better now as I got 254 which didn't seem too bad, then I read the first two posts and I thought I was doing really badly.Like someone said above, at least I'm not negative….it will be fun to see if we can improve our score.I forgot to look….could we print the results? That would be handy.Cheers,Sue

]]> c43dee243cad2205a5309695f601fdb0 https://www.propertyinvesting.com/topic/4390491-low-doc-loans-2/#post-4572314 Thu, 30 Aug 2007 12:00:18 +0000 Hi Boshie,I agree with the above post in that you really need to get a little more knowledge in the basic finance department.A good place to start is to keep searching through this site as it has a wealth of information.Another thing to do is read some basic finance/property investing books.I believe Margaret Lomas explains finance in her books…[Read more]

]]> 334617b814e0382cb44caf138ffab340 https://www.propertyinvesting.com/topic/4390631-putting-an-offer-for-an-ip-before-sections-32-is-available/#post-4573036 Thu, 30 Aug 2007 10:34:04 +0000 Hi Wes,I would think that if the Section 32 isn't ready, then the contract isn't ready either as these are usually drawn up at the same time. So the vendor may accept an offer but you can't make it official with out the contract anyway. In the mean time they may change their mind on your offer.I'm pretty sure you can't legally sign a contract…[Read more]

]]> 7ba33cce0406a6e38b26848074aa12d1 https://www.propertyinvesting.com/topic/4390116-why-is-western-melbourne-so-bad/page/2/#post-4570259 Wed, 29 Aug 2007 12:40:29 +0000 Gee that was fun.Makes me feel glad I live in the north! Well, more north-east actually.Leafy environment, not too flat, not too hilly and smack bang between two major universities.(La trobe and RMIT)And two minutes from the ring road that takes me straight to the CBD, never use it though, there are plenty of major roads that I'd rather take into…[Read more]

]]> 9a021248050ae3dd537202db889c2b3a https://www.propertyinvesting.com/topic/4390610-urgent-need-a-really-good-lawyer-in-melbourne-2/#post-4572969 Wed, 29 Aug 2007 07:05:52 +0000 Very funny blogs But I reckon the old guy was better.

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