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Paul Ryan
Paul Ryan
Director
North Sydney, NSW
303 Likes
295 Followers

Today the RBA decided to leave the cash rate at 1.5%.

The cash rate has not moved since August 2016 yet the banks have repriced a number of their loans in Dec 16, March 17 and again in June 17. The three rate increases (most recent by 0.30% on interest only loans) will conservatively generate in excess of $150M in additional revenue annually for each bank.

We all, along with the federal government need to be asking why? It'd be good to generate some discussion.
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8 years ago
AnneMarie K.
AnneMarie K.
Burnside Heights, VIC
4 Likes
0 Followers

Last Friday I went past a parked car that had 2 speeding cameras on the vehicle(l was going opposite direction where the car was parked). 1 of them was on the bumber and the other one was inside of the car but on the dashboard and it looked like a camera. I was going 50 in a 60 zone and felt like it flashed at me twice for some reason. Does the camera on the dashboard take photos of people in the car or is it used to detect speed?
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8 years ago
Kelsi L.
Kelsi L.
Wynnum West, QLD
1 Likes
0 Followers

Hi there I am going to tribunal for the costs of carpet replacement and cleaning fees in a house we vacated a couple of months ago. We are happy to pay a % of carpet replacement but we think the amount for cleaning is totally unreasonable and just not sure where we stand on this. The house wasn't in great condition when we moved in and they are expecting it to be perfect as we leave. What can we do ?
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8 years ago
Lou C.
Lou C.
Liverpool, NSW
1 Likes
0 Followers

I bought a property in 05 as owner occupied. Lived in it for 4 years but subleased it out from year 2 onwards then fully leased out from year 5.
It is now not recorded as rented out as my relatives are living there for free. I'd like to now sell it to a relative at the cost of the loan balance, first 12 years of mortgage as a gift, which is about half the market price. How do I minimise cgt in this case?
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8 years ago
Samantha W.
Samantha W.
Wagga Wagga, NSW
1 Likes
0 Followers

We are moving in with my inlaws who are no longer able to care for themselves. We are considering whether to sell or lease out our house?
Financial situation:
House value $215000 (fully paid off) est weekly rent $270
Savings $60000
My husband is going to go back to uni and I am caring for his parents and our daughter so our combined income will be:
Study allowance $215 + $170 family tax + $300 carer payment per week
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8 years ago
Anne B.
Anne B.
Woodville North, SA
2 Likes
0 Followers

I am a widow.
I own my own home outright - if I sold today, I would get around $380,000.
I also have an investment property, with a split loan of $37,000 with repayments of $111.00 p/m and
$196,000 with repayments of $750.00 p/m
I work PPT and earn $32,000 p/a
My investment property is currently empty while it is on the market to sell (this was our family home prior to my husbands death).
I would like to free up a bit of equity in my home - what are my options please?
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8 years ago
John Stevenson
John Stevenson
Business Advisor
Drummoyne, NSW
22 Likes
5 Followers

I am looking at kicking off an SMSF but have always been wary of the costs associated. I have come across E Super Fund who are an online company who provide the structure and regulatory requirements including auditing for about $800 per year. Sounds like a great deal, but I'm always worried about deals that sound too good to be true.
Has anyone used them or does anyone know enough about them to be able to give any insight or feedback?
I want to ensure I've done my due diligence before moving.
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8 years ago
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