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  • Users: Nardz
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  1. Nardz

    Any Stock Tips? - Part 3

    In a money forum. Context is everything. You've ignored it thinking it would be funny. It's really not. Sent from my iPad using Tapatalk
  2. Nardz

    Any Stock Tips? - Part 3

    Are we supposed to... Laugh? Sent from my Nexus 5X using Tapatalk
  3. Nardz

    Any Stock Tips? - Part 3

    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...
  4. Nardz

    Buying an investment property in your child's name to get the FHOG

    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...
  5. Nardz

    Buying an investment property in your child's name to get the FHOG

    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...
  6. Nardz

    How do you buy a house?

    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...
  7. Nardz

    What to do with 10 grand?

    Re: what to do with 10 grand Ado.ax
  8. Nardz

    How do you buy a house?

    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"
  9. Nardz

    Any Stock Tips? - Part 3

    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
  10. Nardz

    Any Stock Tips? - Part 3

    Ado. Dyor
  11. Nardz

    Any Stock Tips? - Part 3

    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
  12. Nardz

    Any Stock Tips? - Part 3

    how are you setting your stops? falling sell triggers?
  13. Nardz

    Any Stock Tips? - Part 3

    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..
  14. Nardz

    Any Stock Tips? - Part 3

    enother 34% from PEN today. almost back to pre-tsunami levels. arent i rapt to have topped up at 9 and 5.9 cents. just hope it holds.
  15. Nardz

    Any Stock Tips? - Part 3

    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...
  16. Nardz

    Any Stock Tips? - Part 3

    PEN up 10% on open today. hopefully we've seen the bottom
  17. Nardz

    Any Stock Tips? - Part 3

    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...
  18. Nardz

    Any Stock Tips? - Part 3

    pulled this from hotcopper - apparently this email was sent to shareholders..
  19. Nardz

    Any Stock Tips? - Part 3

    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...
  20. Nardz

    (another) HECS thread

    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...
  21. Nardz

    (another) HECS thread

    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...
  22. Nardz

    (another) HECS thread

    oh and btw.. indexation was only 1.9% in 2010. http://www.ato.gov.au/individuals/content.asp?doc=/content/74307.htm
  23. Nardz

    (another) HECS thread

    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...
  24. Nardz

    (another) HECS thread

    the threshold for help repayments is $45k so therefore, you do not currently have to make a compulsory payment.
  25. Nardz

    (another) HECS thread

    while your first 2 points are valid, i dont think your next 2 are. you're counting interest on money that you would have otherwise been saving anyway in the 3%. you could not pay your hecs and sitll get that. then you're counting the 10% of debt returned to you because you have overpaid your...
  26. Nardz

    (another) HECS thread

    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...
  27. Nardz

    Any Stock Tips? - Part 3

    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..
  28. Nardz

    Any Stock Tips? - Part 3

    i gave in to your endless spruiking and got in a couple of weeks ago at .265. i've also seen you spruiking on hot copper :D
  29. Nardz

    Any Stock Tips? - Part 3

    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?
  30. Nardz

    Any Stock Tips? - Part 3

    comsec has their market capital listed as $158M, while yahoo finance has it listed as $4.37M with 54.6M shares outstanding that's some discrepancy...
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