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  • Profile photo of EcclesEccles
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    @eccles
    Join Date: 2003
    Post Count: 69
    November 22, 2003 - 7:09 am

    I remember once when I was looking for a property and found one I dashed into the RE with daggy old clothes on ( I had just finished shearing!)
    I was pointedly ignored at that time. There was no one else in the agancy and no one was on the phone and when I said escuse me they turned away from me. The next day I wandered in all cleaned up and in my neat skirt and blazer and they couldn’t wait to help me jumped up eagerly.

    I told them off, tpld the boss off and then the regional manager and then went to another real estate and got the property after telling them this was what was going to happen….aaah sweet revenge!

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    November 21, 2003 - 11:22 pm

    A pity about those questions not coming to the board we miss out on so much information as often alot of us don’t know what to ask LIKE ME [:D]. I just read other peoples stuff and that triggers me to ask.

    Any how good to see you are still with us. See ya soon

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    November 20, 2003 - 9:48 am

    Went into business recently and need something for retirement.

    Bill you cynic [:X] he said investing no mention of property anywhere except in the title of the chat room[:I]. I think you also enjoy livening up the board with some healthy debate you devils advocate you. [:D] This ensures people always get more than one side.[;)]

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    Post Count: 69
    November 20, 2003 - 1:32 am

    Wow in this interest market that interest rate seems extraordinarily excessive.
    That person is in it for the money only and has given other wrappers a bad name.
    Another thing is I feel for that woman but maybe just maybe she should have done a little more research anhd found a better deal for herself ieinterest only 2-3% higher than the norm instead of 10%.
    The company should be shot though for taking advantage like it did.

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    November 20, 2003 - 1:23 am

    Yes, YES, YES!!!
    Love it

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    Post Count: 69
    November 19, 2003 - 7:46 am

    I am not one for consolidation. I have a firm belief that if you do not tidy as you go you will just create the mess again.

    This is experience speaking.

    Take the most important debt ie your rates and phone te council and organise a payment scedule, and with any other outstanding bills you have.

    Reduce all other loan payments and credit payments to their minimum and pay the extra onto the rates (whichever bill is the most pressing) making sure you pay the minimum on all your others. You will be surprised at how many businesses will accept this if you keep up your minimum payments.

    Once you paid one do not divide the rate payment onto others select your next one and pay the ENTIRE amount onto the next one.

    Pay all your bills like this and then move onto your credit card or personal loan whichever has the highest interest rate.

    Always roll the entire amount onto the next bill never be tempted to divide it as it will in the long run lengthen the debt.

    I know it is tempting to put it into a loan but just think if you put it onto the home loan you will not just increase the loan by $10,000 payments will increase and you will pay alot more than $10,000 back over 25 years.

    I used to have a folder with labelled envelopes and each week I put so much in each one to cover rego, insurance and the like. Now with internet Bpay I drop it directly onto the bill. (taking an average of the bill and dividing it into weeks) I find that when the bill arrives I eitherpay minimal to make the difference or I do not have to pay. It can be hard to start this way so do it one bill at a time ie if your phone bill is $100.00 (average) a month then using phone or internet Bpay pop $25.00 onto it.

    Waffling again

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    November 19, 2003 - 6:14 am

    I got 119 but didn’t do the full test is this allright or what [:D]

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    November 19, 2003 - 4:49 am

    Now why did you have to go and show that to me?[:P]

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    November 19, 2003 - 12:05 am

    A man dies and he goes to hell/

    Anyway he is greeted by satan who slaps him cheerfully on the back and says:

    “Mate do ya like drinking?”

    The man understandably nervous nods his head and the devil laughs “Well then you are going to love Mondays. You drink till you think you can’t drink anymore and then you drink some more. I mean you can’t die from liver failure can you?”

    The man is surprised and agrees with the devil.

    The devil then asks

    “Do you like to eat?”

    The man agrees yes he likes to eat.

    “Well then you’ll like Tuesdays, Tuesdays you are fed gourmet food, fast food delicious desserts until you could burst, no heart failure down here!”

    The man is starting to relax and the devil asks

    “Do you like to smoke?”

    The man grins and says “Oh yeah”

    “We have the best cigarettes and the best cigars…no filters either who cares about lung cancer! Wednesday is the day. What about drugs? Do you do drugs cos Thursday is for drugs and if you don’t do them now why not start now?”

    “What about fridays?” asks the man.” He is relaxed and confident Hell is not going to be so bad he thinks, drink, drugs,good food. Where is the punishment?

    The devil smiles and replies “Friday is for women…You can have unprotected sex with who ever you like whenever you like how many times you like. Whatever your preference whether it is big and heavy or slender and lithe, blonde brunette we have it.”

    The man can’t believe it how can this be hell this is marvellous. The devil interupts the mans musings “Do you like to have sex with men?”

    The man recoils in horror “No Way” he yells “HOw disgusting!””

    The devil smiles a bone chilling smile “well then Saturdays are going to be a REAL problem for you!”

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    November 18, 2003 - 4:25 am

    quote:

    Hi Poltergeist

    Gee you get some very interesting junk mail. Mine keep trying to enlarge my whatsit.

    I get the same ones and I am not even male Go figure must have visited the same website[}:)]Just Jokes!!!!! Kinda[;)]

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    November 18, 2003 - 1:37 am

    Wildly wealthy Women were on today tonight a coupke of weeks ago.
    I was going to go to their free seminar but ended up sitting at the hospital with hubby who had decided to shove metal into his eye.
    They are property women who decided that more women needed to be informed in a woman orientated way (men are allowed but it is designed for women)
    They are also taking on 3 women to mentor for the next year. You can visit their website and you can pay a fee to gain access to their program and private mentoring.

    They looked allright but I can’t judge for sure as I missed the seminar.

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    November 18, 2003 - 1:27 am

    Santa is real.

    Remember the history he (St Nicholas) existed in many countries under various names and guises. He was the man that would give food to poor families in the dead of winter and as a carver he would create toys for children. It varied from culture to culture but the story is still the same. Our westernisation of St Nick shouldn’t detract from him.

    He is the spirit of giving and christmas is either the pagan festival or the birth of Jesus both causes for celebration.

    The world is so full of horror why can’t children have something lovely to lach onto for a while. If you do not like ‘lying’ to your children then tell them that santa was a person who lived long ago and his great spirit of giving has passed through the years.

    I believe in Santa and as long as one person gives something for the joy of giving (without letting on who did) it there always will be a Santa even if the name changes continually.

    Hmm now I have finished lecturing everyone [:I]
    I will go and read the night before Xmas to my 3 believing daughters [:D]

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    November 13, 2003 - 1:06 am

    Sometimes if you talk to the RE Agent although the lease may say no pets the agent will say differently or that the landlord is negotiable.

    Offering extras to hekp cover the risk is a good idea. I knew a RE agent who had accepted 6 weeks bond so I am not sure how that worked.

    I would suggest talking to the real estate agent that is going to rent out your property to give a refernece to the state of the property and that the presence of these animals has in no way degraded the property. And yes you can get a real estate agent to do this for you.

    We had to have it done when we sold in NSW and had to rent in QLD and needed a reference.

    Good Luck and keep trying and asking questions.

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
    Join Date: 2003
    Post Count: 69
    November 11, 2003 - 11:41 pm

    quote:

    ” If you can’t describe what you are doing as a process, you don’t know what you’re doing”[/b]

    Bill O’Mara


    well that means I can’t walk or talk or write as I can not describe any as processes…maybe thats why I failed computer programming? [:D]

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    Post Count: 69
    November 6, 2003 - 1:06 pm

    quote:

    …i dunno… im thinking HAIR ?

    not in some places but you want it in others ..??[;)][:D][:D]

    Regards,
    Arty.

    [:)]
    “Why work to the age where you cant enjoy

    Very good!!!
    It’s a bald head to be exact

    You don’t want a bald head (most) but if you have it you don’t want to lose it!
    what you have worked for !.” (Author: Me)

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
    Join Date: 2003
    Post Count: 69
    November 4, 2003 - 9:23 am

    quote:

    Testis????

    Hurts to buggery to get hit there[xx(], but let no one take them off me!!!![:O]

    Later……..


    SO you don’t want your testes at all hmmm?[}:)]
    I could fix that for you [:D]

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    November 4, 2003 - 7:33 am

    OK
    It has nothing to do with family…
    You guys are terrible you know [;)]

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    November 3, 2003 - 12:01 pm

    No No NO!
    Smart Alecs! Wife indeed humph[:)]

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
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    November 3, 2003 - 12:03 am

    I like the ad where the teams from the footie meet at the bar and they all start opening the beer using their arms or head or teeth and the aussie woman steps up and slides the beer under the counter, cocks her eyebrow and you hear the beer open then she slides up the beer and then pops the lid out of her belly button!
    Hey LuckyPhil
    this is just for you
    On the farm every Friday
    on the farm its Rabbit pie day
    So every Friday that ever comes along
    he gets up early and sings this little song
    and then on to the part from the ad!

    Bronwen

    If the good die young then I will live forever

    Profile photo of EcclesEccles
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    @eccles
    Join Date: 2003
    Post Count: 69
    November 2, 2003 - 6:36 am

    I take an increase in interest rates in to my initial calculation.

    For example I use approximately 2 – 2.5% more. Todays interest rates are varying from 5.99% to about 7% depending on where you are going to go for fiance.

    Si I always add 2% onto that so I can see how I would cope if interest rates were to rise.

    Easy and it gives you a buffer

    Bronwen

    If the good die young then I will live forever

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