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Thanks for the response.
I was sort of expecting this, which is why I was asking the question. I doubted I could but would prefer to find out rather than close the door on that option altogether.
So really my choices are:
Keep the 100,000 dept and make it a +ve rental
Sell it and use the money to clear out most of the debt for the new home
Transfer the title and the ensueing large debt to the other half for full stamp duties
or
Xcollaterol which seems much the same as option 1? Seems to add a level of liability to me though?My wedding 2 years this month (part of the reason I haven't been here for so long…) cost 6-7k. 60-odd guests and the ceremony was held as a historic house in Brisbane (Newstead). While the reception was held nearby and the guests were served danishes and fruits while waiting for our photos to be taken and then had really great foods served for brunch (yes that means a 8am wedding on a Sunday). Great day and no overexpensive wastage on hangers-on to the wedding industry.
$120 mudcake eligantly designed that was 40cm x 40cm not $300 for a circle of white icing! The wife arrived in a Rolls Royce even!
aussierogue,
It wasn’t all roses in the trades, especially during the early to mid 90s when many electrician employers either put employees on reduced hours or forced them to use holiday time up. They were not game to get rid of employees though and in many cases this is an excellent show of foresight.
Skilled labour is hard to get and sticking by your employees might mean they will stick by you. It is just harder to find those employees who you would want to stick by that is getting a problem..[worried]
On ABC radio today they discussed this very thing. TAFE were not blaming the government on not doing enough btw, the system setup is a very good one, but rather the preconception that people should always go to uni.
Personally we can look at our ever increasingly ‘lazy lifestyles’, Tradies are quite often at a job at the ‘crack of dawn’ working in all types of weather and some of it is back-breaking stuff. It just doesn’t fit the plans of the majority who spend all day sitting on their backside. Many a time I have heard of tradies lamenting how many apprentices they have gone through because the little sods don’t want to work at all.
‘When wages for tradies get high enough, people will stop targetting the unis & go for the trades….leading to lots of tradies, falling wages & a reversal of this trend.’
This will probably not be true unless there is a major shift in the attitude of many kids. It is the ‘obese generation’ we are talking about where getting of their butt is only to get another packet of chips. I couldn’t imagine these same kids going for a vocation that would involve something akin to exercise in this situation.
Of course the starting pay isn’t great but you are effectively being paid to learn, you don’t owe institutions anything (not sure for all apprenticeships but sure most are free courses), and each year your wage increases so that by the time you are in 4th year there isn’t a great leap to a tradies wage. This might be a little out with the lack of tradies at the moment (the last wage point to move would be the apprentice wage) but still no reason why they shouldn’t stick it out.
No one has ever died for a flag. A flag is a piece of cloth. They may have died for ‘freedom’ which, by the way, is the freedom to burn a flag?Flags/banners/colours are all throwbacks to the past in which the falling of a flag/banner or unit colours would signal chaos for the force that lost their peice of cloth.
Morale was so important during a conflict (and is still important) that most attacks were to take down the banner bearer, it was just so important. Even in this day in sporting events a person’s heart might swell with joy if their country’s sportman say wins a gold at the olympics and see their flag fly.
Unfortunately few movies either in a fantasy setting (such as LOTR) or historic setting do they depict this. Maybe the series Sharpes Rifles (I think, very similar standard set by the excellent series Hornblower, Sharpes Rifles had Sean Bean as the lead…for the record just one episode of Hornblower was far better than Master and Commander for me[jerry]).
The UK is one of the oldest, if not the oldest surviving democracy in the world…voting is not compulsory.Population difference probably helps, Australia is amazingly underpopulated compared to the other major democracies.
[/quote] My point: There is no correlation between compulsory/non compulsory voting and the preservation of personal freedoms… except that in my opinion, forcing me to vote is an impingement of my personal freedom when I do not wish to endorse any of the current ideologies.[/quote]
I think my freedom was impinged just reading that![baaa] What compulsory voting does is force people to take an interest on how the country is governed. If a person has no interest and chooses NOT to have a say then they don’t DESERVE one. A person can always ‘informal’ vote (which is making the vote void) until such a time they think a candidate or party are deserving of a vote at that point…
Yep we definitely need impartial refs. With an impartial ref the Goodies would have won by an innings and 56 runs.Sounds like selective blindness here (much like Phil Gould who demanded the ref be changed after Origin 2 even though the ref made many glaring mistakes in the first half to the blues advantage and about as many in favour of qld in the second half).
There was no respite for the aussies but the kiwis had to rely on the ref not pinging them for simple mistakes like passing the ball to the guy standing meters in front of the passer but only a few meters away (in other words pretty much directly in front of them). The kiwis ball-handling was worse, but you would have to worry about Cannon’s throw-in, he is the only one consistantly getting pinged for holding the ball to long before throwing in.
Jones using the ‘Phil Gould Book of stupid things you say to win friends’ trick has put me off this game a bit.
Those that don’t know (head in sand perhaps), Phil gould would slag off an opposing team for supposedly using a dirty tactic in a move to take the referee’s objectiveness from the game and monitor the opposition more while the side he has had something to do actually uses those same ‘dirty tactics’. It works in league so Eddie might be seeing if it works in Union.
It has links to the ALP.
ALP freely link to it in its electronic newsletter.
The company hosting it :-
– is run by a former ALP staffer and former ALP member
– company donates to ALP
Freedom of expression became so much harder in this world of litigation. Unbound freedom or true freedom ironically leads to more leanient jail terms for hardened criminals (this is just one of many examples).
Plus they could have breached a technicality in another area not relating to the issues they raise but rather got looked at more closely because of who they targetted. As an IT person you should know this is possible.
Depends on what you are using the account for. Just for paying a house off where extra funds are not needed for renovating or anything along those lines then an Offset Loan would be a better investment.
If you suck with a credit card just imagine how much you would suck with up to 100 times the credit limit?
Comedies:
Ice Pirates
Army of Darkness
Shrekk
Ice AgeAction:
Die Hard
5th Element
Conan
Blade Runner
Indiana Jones and the Last CrusadeDrama/Epic:
LoTR
Historic:
The Last Emporer
Seventeen Mile Rocks starts leading into less reputable suburbs. Not heard too much bad about the suburb itself though.
Probably not a bad spot if you like Golf being in between 3 major courses (at least) and a couple of driving ranges.
A big range of prices (%-wise) Anything from 250,000 to about 750,000 for places in 17-mile rocks.
Hypnosis is in contravention of my religious beliefs. Despite this I did contact a hypnotherapist who said it could not be done with a one-off visit and would require repeated visits and a 100% success could not be given even then..Religion is in fact itself a form of hypnosis. I came across many examples when I found an interesting book on american soldiers who were North Korean POWs during the Korean War, but enough on that. I only gave the advice as you hadn’t mentioned it, I wouldn’t know enough about the subconscious to even quantify how long it takes to help a person break a habit.
I have found there is a new nicotine replacement product newly available which is in tablet form and sounds promising. I will be having a medical check up first before I try this method of giving up so there are no complications.If you know its name perhaps a search on the net to see if it is harmful for you would be in order. I heard from some people that when they gave up they simply kept their hands busy and their minds occupied. Like what was mentioned earlier, replace the habit with another.
Gardening, sewing, knitting, sports, carpentry(something my partner and I are looking at doing for fun at some stage anyway), cooking classes, painting etc. If you can plan something that helps take the edge off the cravings then perhaps you won’t need the ‘crutch’ in drugs to get you through.
Technology for many similar inventions have been purchased by the oil companies. Patents for methods of combining petrol and water in a 1:3 ratio in a special efficient engine that could be compartmentised from anywhere from 1 to 48 chambers was sold about 15 years back if my memory serves me.
Now BP may own the patent for the engine but they cannot own the patent for H2O (water). So all a person has to do is find a different way to utilise water in an engine (say for instance used with canola oil or a hybrid engine that uses petrol and water separately but differently from what they have a patent on.
If you want to get out of a hole, first stop digging.First of all does this quote really mean anything to you Brenda? As how I look at it, smokers are forever digging themselves holes they have to desparately try to get out of later.
There are still many ways to try that may work for each individual. If you really want to give up the smokes mentally (rather than the case of evil homer dancing around the grave of good homer [evil4] ) then something like hypnosis could work. Or like anything painful accept the pain and just do it (cold turkey).
Having children does not make someone more important than someone with no children.Depends on how you look at it. You have two sets of partners, one decides to have children the other doesn’t bother. You cannot call the former a partnership but a family after the birth of the child(ren). Two have become 3+, 3+ is larger than 2 so how can they be ‘equal’? They ‘choose’ to outnumber the later group, pity the later group later [withstupid]
We all bleed red!Scientifically, men cannot ‘bleed’, they ‘haemorrhage’. Unless you are Roberta and you were talking to the ‘sisterhood’ your statement like the previous one is scientifically flawed (thus logically flawed [jerry]).
Johns would’ve been an ordinary rugby player, plus he would’ve spent even more time off the field as his back gives in after the first big ruck he gets stuck on the bottom of.
As for the ‘tahs, they need to learn how to beat the Reds before they can make the semis [medieval]
Fortunately they are not trying to poach Lockyer, who was clearly voted the best player in rugby league well ahead of Johns… who was third I think.
Families with children are ‘future viable’. In general who are going to look after the elderly when you have no kids? Friends? pig’s backside, a country with no kids is only a country for one generation.
A short-termed view would be to not reward families, it only results in a dwindling population. With a dwindling population what do you think happens to vacancy rates and property prices?….
Re single mothers, may be the answer lies in education. Well I’m talking more about teenage pregnancies here.
I think a lot more could be done in the area of sex education. I know they have programs like drug and sex education (my own kids took part in these programs) but these programs may not be intense enough for many teenagers.
I believe that the rate of teenage pregnancies would decline if the programs would be more individualised and intensified.Celivia
In my opinion, after the education into sex ed and other silly little stupid policies the incoming state government (Goss) had to put into the schools just were a waste of money. You can try to educate someone but they got to have the interest and intellect to want to learn from it.
Its almost like you have to create exams just to be classed as ‘capable to be a parent’…[satan]
Rather than a straight cash ‘injection’ which seems to create this whole ‘evil single mum’ issue how about just way higher tax thresholds for those having kids and actually earning money?
The issue of cheaper just getting welfare than working when kids are involved just doesn’t help the system nor does it really help the kids who have a really bad example being set.
Handouts almost never work, it in most cases only makes a situation worse.
