the mere fact that a lot of people believe in it and base their trading habits on it means that it will have some impact whether you like it or believe in it or not..
commsec is, by far the best i've encountered so far.
though i hear that apparently commsec bought out the company that...
But let's be real.. We don't know the full story. They might be telling her that it will be her house and that they will just make the repayments until she can take over.. And the fhog might be 20k if they're building..
Everyone is assuming the parents are doing it for their own gain but they...
i'm no expert, but for youth allowance you would expect it will depend on how much equity they're putting into the asset.
defintely won't be able to get FHOG anymore. and if she gets married nor will her partner.
I'm guessing they'll be doing a family guaranteed loan. so they'll be committing...
sorry to any brokers out there.. but in my experience, going through them is a waste of time.
might be good to go in there for a chat/advice etc.. but they don't get you any deal that you can't get otherwise by going direct to the financial institution - and worse yet, they just act as your...
go and have a chat with a mortgage broker - if u find a good one they'll make time for you and help you work out stuff like that and a general chat to give u advice etc...
if you find a crap one they'll just give you a form and say "fill this and email it to me and i'll tailor a loan to suit you"
setting up an account is free.
trading is $29.95 (unless large parcels which are charged at a %)
or $19.95 if you have a commsec cash management account
a lot of what you said made good sense, then you ruined it all with that ridiculous comment.
anyone who thinks printing more money would help anything needs to study economics 101
i'm not exactly a "business minded folk" but take a look at PEN..
was sitting at around 14c before japan, went down to mid 5's... now been hovering from 7-9 for the past 2-3 weeks..
I topped up PEN yesterday at 5.9 cents
I also topped up on Monday at 9 cents.
My original purchases was at 12
You can never know where the bottom is, but if u have confidence in a stock in the medium/long term, as I have had in PEN after reading a s**t load of stuff in the past 3 days, it...
Well where the bottom is no one knows for sure.. But I do think once the dust settles we'll see a bit of a bounce back..
And if US markets are anything to go by, we started to see a bit of recovery in afternoon trading...
im personally riding it out. very nervous about it though.
i'm even topping up a bit to bring down my averages.
i'm into PEN unfortunately, the funny thing is all the announcements and news from the company has been positive.. just this stuff in japan is killing it.. though they pretty much...
well u could just tell ur work you're expecting to pay it all off this year so they stop taking it out of your pay
and then pay the same amount yourself voluntarily every month (but you have to top it up so its at least $500 if it isnt already)
you'll get a 10% bonus on top of your payments...
if your help debt is $4500 this is what you should do - pay it all of voluntarily, will cost u just under $4100. you will then get all of your compulsory payments refunded with your tax return.
you can make your voluntary payments in installments - but it has to be at least $500 at a time...
ok that brings us back to the point though
to say it will take you 15 years to pay it off at your current salary is assuming you're in a wage freeze for 15 years.. so essentially you're paying Indexation, but not considering indexation on your salary. the whole idea is that on average, your...
...to you because you have overpaid your debt. that is also incorrect.
the formula of what you save is basically 10% discount + 4% indexation (* number of years you'd otherwise pay it off).
and im not sure what kind of debt you have and what salary you have for it to take you 15 years to...
if i understand you correctly, you're completely wrong.
indexation applies every year for any debt that has been around for more than 12 months.
so in my case, my help debt started 6 years ago and ended 3 years ago.. so the entire unpaid portion of this gets indexed every year.
what...
ive got a buy order sitting at .075. hoping it hits cause im hoping in the next month or so this thing will crack the 10c mark, and anything can happen after that..
has dropped a fair bit since peaking at 10.5 last week.. ~ 30% i think
seems to be a bit of activty with directors and major share holders reducing their holdings....
just profit taking, or cause for concern?
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