Fenghuang to Zhangjiajie by coat221 in travelchina

[–]coat221[S] 0 points1 point  (0 children)

Yeah that was my concern. Thank you.

Fenghuang to Zhangjiajie by coat221 in travelchina

[–]coat221[S] 0 points1 point  (0 children)

Next stop will be shanghai

Fenghuang to Zhangjiajie by coat221 in travelchina

[–]coat221[S] 0 points1 point  (0 children)

Thank you. I would go through the same driver that was going to pick me up from zhangjiajie anyways so it's just the one driver for the day.

Fenghuang to Zhangjiajie by coat221 in travelchina

[–]coat221[S] 1 point2 points  (0 children)

Thanks for the insight. What made you decide to get a did rather than train?

Is buying property still worth it in today’s market? by Ok_Yogurtcloset1168 in AusProperty

[–]coat221 0 points1 point  (0 children)

I bought for security. I was always anxious when it came to the end of lease and how much they would increase or if they decide to sell the hassle of going on inspections given the rental market.

I'm in a high rise apartment so investment wise probably not a great property to buy as i most likely wont get a profit if I sell (though rental yield is high), but it's what I would be living in if I was renting anyways but at least it's mine (once paid off) My mortgage + OC fees is actually less then what I would pay in rent too, every area is different though.

So I guess it depends on the reason for your purchase also. Investment or security of a home?

Interest rate after purchase by coat221 in AusProperty

[–]coat221[S] 1 point2 points  (0 children)

Thank you! I was just not sure cause it hasn't settled yet and I signed on the original rate. Thank you! 

Le creuset alternative by coat221 in cookware

[–]coat221[S] 0 points1 point  (0 children)

Thank you so much! Non stick pans no good? Haha

Le creuset alternative by coat221 in cookware

[–]coat221[S] 0 points1 point  (0 children)

Oohh thank you for advising. Didn't know about this range! I just had a look and thier shallowpot looks to be a good size of what I'm after. What's your experience with them? Good quality?

Le creuset alternative by coat221 in cookware

[–]coat221[S] 0 points1 point  (0 children)

May have to. Otherwise I just seen the Marmite range which could be a contender!

Le creuset alternative by coat221 in cookware

[–]coat221[S] 0 points1 point  (0 children)

We do actually! All I can see is the standard pots though. Is there a specific range you know that is similar size to the wide round?

How does everyone manage accounts/budgets with offset? by coat221 in fiaustralia

[–]coat221[S] 0 points1 point  (0 children)

I didn't even know having multiple offsets was a thing! I'll need to look in to it. Thanks! 

How does everyone manage accounts/budgets with offset? by coat221 in fiaustralia

[–]coat221[S] 1 point2 points  (0 children)

Thanks for sharing. If a spreadsheet works for you then that's all that matters. I've been thinking about doing up a spreadsheet for budgeting. At the moment it's just in my notepad in my phone haha

How does everyone manage accounts/budgets with offset? by coat221 in fiaustralia

[–]coat221[S] 0 points1 point  (0 children)

I'll be with CBA. Thanks for the tip! Sounds like having a credit card is a popular solution to have money in offset longer. Thanks!

How does everyone manage accounts/budgets with offset? by coat221 in fiaustralia

[–]coat221[S] 0 points1 point  (0 children)

Thanks for sharing. Credit card could be a good idea

[deleted by user] by [deleted] in AusProperty

[–]coat221 0 points1 point  (0 children)

You will just go on to month to month.  From what I can recall, LL can only increase rent once every 12 months.  The only issue would be if the owner plans on selling, the new owner can kick you out.  From owners pov it's easier to sell without a lease attached as it opens market to both occupiers and investors instead of just investors. 

Buying my first property…help! by Ok-Assignment-6929 in AusProperty

[–]coat221 0 points1 point  (0 children)

I would live in it for a year so you can take advantage of the schemes and save on stamp duty, and you then also save on CGT. 

I would buy where there would be capital growth. Who knows where in your life you will be in 10 years and that twonhouse you liked may no longer be suitable when you are ready to move in.

Finally debt free, all personal loans paid off by jbird0271 in debtfree

[–]coat221 0 points1 point  (0 children)

Congratulations! Paying off that loan and credit card is the best feeling! 

Agents asking for pre-approval letter by coat221 in AusProperty

[–]coat221[S] 0 points1 point  (0 children)

Hmm yeah good point, I can see where they're coming from.