Fair enough Peter :o)

It’s usually only the reasonably wealthy who can pay HECS upfront anyway. You can pay it off upfront before you study, or you can also get benefits if you pay off lump sums throughout the lifetime of the loan.

I was lucky in that I did my undergraduate degree when it was free education- no HECS! It wasn’t that long ago…[Read more]

sis,

It’s not quite true that you can “avoid” paying HECS. You can *defer* payment, but you will still have to pay it at some stage in your life- when your income goes to a repayable amount of income. The new higher Education Bill just went through parliament. The following will now occur:

A HECS repayment threshold of $35000 in 2004-5 and…[Read more]

Karan ;o)

Nothing wrong with attending a free seminar! You’ll probably get the same info as if you bought a 200 page RE book. I checked out their website and it seems pretty old-fashioned (I like that) in terms of the material it presents on there- reminds me of Ann Somers stuff.

The problematic seminars are the ones that charge, I think. I…[Read more]

Celivia,

Please don’t think you annoy anyone with irrelevant questions. You may ask what you like, and hopefully, people will respectfully reply to you :o)

HECS and PELS (for postgraduate courses) have been opened up to some private institutions. Most private institutions are now linked to a university anyway. Presumably, if your daughter did…[Read more]

Thanks Celivia for your vote of confidence ) And Rubbachook, you can keep your fantasies- I am in fact a woman [:X] Straight male with a fantasy about lesbians? Now that’s new []

I can’t give prizes for achievers, because I’m an anarchist ) and I believe in equality etc, but thanks to all those who can engage in discussion without losing…[Read more]

annaw2, you said:

“Sounds like your studying welfare or something like that? At home every day I watch the wallabies, echnidas, the odd koala, leave out the wild birdseed, that’s rural living – how lucky can you get.”

No Ma’am, not studying welfare. It’s just that, over 37 years of life, I’ve developed some perspectives, and it’s fun to think…[Read more]

wow, I dunno what’s been happening here, but it’s sad that posts have been deleted. If you want a “discussion” group, don’t you want people to discuss? Unfearfully? Why do people follow them around and delete their posts? I don’t understand that at all. Reading the above thread is pretty weird- complete censorship.

kay henry

I’ve been away for a few days, in sunny queensland, and at the Conference I am attending, there are kangaroos all over the place- god, it’s beautiful here (university of southern queensland, at maroochydore, if anyone is interested in getting out of the city and watching roos lay around).

Thanks for your responses all :o))

kay henry

uncivilised :o)

Some might think a BPI is like a pink slip for a car and should come with every house that is for sale- and paid for by the vendor.

I guess you could check out how many BPInspectors there are in the town/city you are buying in. If there’s only one, he or she will probably give you similar results to the first inspection…[Read more]

You can buy in the next couple of years, but why pay 300-400k for an apartment? Or why pay 45k for a dump? And why buy “firesale” places and profit from OPM? (other people’s misery).

Property investors can always find places at reasonable prices. I for one, will not be waiting until the “carnage” or “bloodletting” or whatever.

Yeah, yeah, i…[Read more]

Oh dear, Property Guy- doesn’t sound good :o(

I don’t think you could wrap it, personally. If people won’t pay you $330k for it, I doubt a wrappee could afford it. Remember, wrappees are traditionally those who cannot get finance. Anyone who could afford that kind of dough, is probably not going to get into a wrap situation.

I suggest you don’t…[Read more]

European Quality,

Welcome to your first post…

Why won’t any major lender loan you 32K?

kay henry

SIS said:

“Im gonna give a differnet opinion here, i live with my grandmother, and i choose to live with her, cause i think paying rent is dead money…”

SIS, some people don’t pay rent or “board” to relatives, and some people do. Just because a person is a relative, doesn’t mean it’s a free ride.

kay henry

I get what y’all mean and thanks for commenting :o)

I am into paying off my properties as fast as I can. It makes me feel safer in case properties *do* reduce in their value. But what can I tell you? I have no cash! Some of us put it all into our mortgages. This is a strategy used by many, I’m sure. Now you’re telling me to put 5k into my…[Read more]

ricky :o)

Buying your own PPOR can be much more exxy than IP’s, depending on what you are looking for in each. Often, we want to live in much more glamourpuss places for a home of our own, whereas for an IP, I wouldn’t live in 2 out of 3 of my IP’s. But if I bought my own home, where I live, it would cost me twice to three times the amount my…[Read more]

Dear Paul… yum- 150K *licks chops*

As for me, I am over checking out the uber-cheapy ones. I don’t wanna buy myself some trouble and stress myself outthinking i have to buy a new oven, and new everything else for the place. Also, because I am not the renovator-type, I want a fairly lomo (low maintenance) place that I can not tend to too…[Read more]

diclem,

It wasn’t really insults- just a little harshness, I think, on my part. but it’s all good :o)

kay henry

Yes comdom,

I have purchased two properties in the last 3 months sight unseen. The net makes it possible to do so- buuuut, you have to do a bloody lot of research to make sure you know you have made a wise choice. Photos aren;t enough. I would imagine this is particularly the case with older properties, which are the ones people get pozz cash…[Read more]

Bill: []

Enjo: []

kay henry

yes- thanks to everyone! What an interesting post More please!

kay henry