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My understanding is you'll need to refinance for the mortgage and do a transfer of ownership - on the transfer of ownership she'll have to pay CGT possibly (for the 50% of ownership she's selling to you - or otherwise other percentage) - but may be within the 6 year ATO rule. Check with your...

Came across this today - https://getpocketbook.com/blog/2013/02/12/infographic-christmas-gift-spendin-christmas/ Found it interesting in that the average is around $500. We spent a lot more I think, $1200? trouble with having a big family, lots of spending and crap we don't want get back...

To the original question. I have a lot of banking friends who work for the likes of JP Morgan and Deutsche bank. The single most thing they've told me for a few years now is to stay out of the western world equity markets (ie no shares in EU, US, AU). Developing world shares or property is the...

I have like $1m total mortgage owing on a $100k salary. I'm getting around $80k worth of rental income though. It really depends on your living conditions and how much you'd like to extend yourself.

Just read this post about the ING direct card that gives 5% money back. Anyone use this? Want to hear your thoughts! https://getpocketbook.com/blog/2013/01/15/free-money/

Here's something that might help just read about the ING Direct cashback card. https://getpocketbook.com/blog/2013/01/15/free-money/ Anyone use it?

I came across this post on how to invest rationally. Then watched the Kevin O'leary video. What do you think? Do you guys do it rationally? http://womenintheblack.com.au/investing-with-your-head-and-not-your-heart/

I never know what to buy. end up spending ages on websites and in stores. Blowing out budgets

yep for sure!

knock and invite her for tea / coffee?

Started a partition website with the exact problem of the demographic. And collected a huge mailing list! :)

I have dreams of selling all I own, going to asia and be done. not have to work a day in my life. Mortgage free!

If you have unfair information than the public - ie you know the game better than 95% of people. then this is an awesome way to make money

THis is one great collection. Top 4 there are some of my favs. The only omission would be Bowmore 15 or 18

but they still allow numbers only :S

There's opportunity to start a family trust etc, which is where you put your super and ends up owning property. Talk to your accountant.

yeah agreed. but still though man. Yolo needs to be maximised (length of life is correlated with the ability to survive right? which means saving.. ) :)

Read this - great tips, my girlfriend flicked it on to me. We're trying to save, and I told her "stop buying shoes!". Instead she sent me this. http://womenintheblack.com.au/two-hot-tips-for-practical-budgeting/#.UJx9bOPZ-bI I gotta admit, it's good ideas though.

I hate it too! farrk me dead. I still can't believe they allow passwords to be numbers only too. idiots. I started using Pocketbook (https://getpocketbook.com) which has made regular checking of netbanking less CBA netbank reliant. I only use it for transacting. Pocketbook has these awesome...

I was in some heavy debt about a year ago - worked very hard to get out of it, weekly spreadsheeting, managing my budget etc. I've recently come across Pocketbook: https://getpocketbook.com which makes that process heaps easier for me now. Weekly income / spending email on Sunday helps me...

Definitely investment - if you can do it on numbers only - ie rent income - interest = some number that's bigger than 0. The better, best places to get is inner city Sydney for example. Where property prices have gone up a little bit, and interest rates are low, and rentals are ridiculously...

I hope you got through this pain Hayden. You need a BUDGET!! ongoing once you get a job - and perhaps stash $50 a week away for that rainy day (ie right now). Try something like Pocketbook, I've been using it recently, and it gets me a sunday summary email to check out how I'm going week to...

I think it might come down to cutting down some incidental spending in a smart way. I know I spend way too much on beer. Check out this blogpost - gave me some ideas recently: http://blog.getpocketbook.com/2012/10/12/belt-tightening-salary-to-bootstrap/ 1 night out less a week. That's the...

Interesting fact here - but considering the title - isn't it Investment Banking? from social damage?

Farmland in Mongolia - Surrounding countries - North China: coal, Russia: oil, Kazakstan: natural gas. There's gotta be something there.

this is hilarious.! I wonder if they get together for bbqs

enough to party for the rest of my life on koh phangan

Lol at the raiders - stop sucking!!

If you can, go get it done in HK. It's very much cheaper, and the surgeons there do heaps of volume. Everyone in China / Taiwan / Southeast Asia / Japan go there to get it done. So it's low risk as they are well trained.

yeah lols - I think Forrest is pretty terrible too