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BobHatton

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About BobHatton

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  1. BobHatton

    Where to live in the Gold Coast

    And many old Queenslanders that are over 100 years old are still standing. Don't worry too much...
  2. BobHatton

    Stamp Duty

    Yeah, I read that. I think it depends on who arranges the mortgage for you to be honest. We were accepted, although that was in January 2003 - things may have changed. This is taken verbatim from the Queensland Government site today; To be eligible for the grant: You must be at least 18 years of age. You must be an Australian citizen or permanent resident (or applying with someone who is). You or your spouse must not have previously owned property in Australia that you lived in. You must be buying or building a brand new home. The value of the home including the land is less than $750,000. You must move into the new home as your principal place of residence within 1 year of the completed transaction and live there continuously for 6 months.
  3. BobHatton

    Where to live in the Gold Coast

    Public Transport in Australia? You're having a laugh aren't you? Anything outside the capital cities is, lets say wanting to say the least. Cyclones - Caloundra would experience the southern winds off a cyclone literally once in a lifetime (last time would be Cyclone Wanda in 1974) so don't worry too much about that. Caloundra is a beautiful place with beautiful beaches and still reminds me of a typical seaside town of old, we love it... I still say you can't go wrong with Hervey Bay..
  4. BobHatton

    Where to live in the Gold Coast

    Hmmm, where to live on the Gold Coast eh? In short - nowhere. Choose somewhere a lot nicer, less crime filled and less bogan if you want somewhere to retire to. We've lived in Hervey Bay now (about 3 hours north of Brisbane), best climate, all the facilities including health needs met and within a couple of hours to the Sunshine Coast but without the exorbitant prices. You won't regret it!
  5. BobHatton

    Stamp Duty

    That is not true. We moved from NZ to Australia in 2003 (after being in the UK for many years and having owned several houses including two in NZ) and we were able to get the first home owners discount as we were buying our first home IN AUSTRALIA.
  6. BobHatton

    What would you do?

    You certainly wouldn't get anywhere near 5% from a 'normal' bank savings account - you'd be lucky to get 1.5%! As another poster mentioned, you say that you'd need 5% interest on your savings to pay the rent and utilities etc. Let's make an average of $1600 a month rent and $250 a month on utilities = $1850 a month so let's say $2000 to be sure. If 5% interest on your savings would cover this then you'd have to be seriously rich and have at least $500,000 in savings. I'm not saying you're not rich but to think of living like that then you probably don't need a job!
  7. BobHatton

    Negotiate?

    Unfortunately everyone has to pay stamp duty in Oz........even if you buy a second hand car privately off George down the street!
  8. BobHatton

    Negotiate?

    From the WA Government website. If you are a first home owner, you may qualify for the grant if you are purchasing or building a new home. A home that has been substantially renovated may be considered a new home. The grant is not available for the purchase of an established home or for renovations to an existing home. The grant is $10,000.
  9. BobHatton

    Cost of Medication

    Be careful doing that - particularly with diabetes medications. Also, enteric coated mads shouldn't be halved or quartered.
  10. BobHatton

    Negotiate?

    In the case of buying a house then until the contract is unconditional then you can back out. There is usually a 'cooling off' period of 7 working days also at the start of signing the contract. Most contracts take 30-60 days to complete depending on your circumstances and the vendors circumstances - these can also be negotiated. As far as making an offer on a house (and we've bought 12 houses here in Oz) we always start at 7.5% off the asking price (depending on the area and the market at that time). So, if someone is asking $400K for a house, my first offer would be $370,000 ($400K - 7.5%). If this was not accepted then I'd take my 'Final offer' to 5% off the asking price (i.e. $380,000 in this case) and if this was not accepted then I'd walk away - there are literally thousands of properties on the market. When buying also beware of stamp duty. This differs from state to state; Examples on a $400,000 home. NSW - $13,719 ACT - $8,562 QLD - $6,426 WA - $13,434 NT - $16,812 SA - $19,820 TAS - $14,348 These are government charges and are NON-NEGOTIABLE. Make sure you've got enough to cover these charges. Solicitors usually cost around $1500 for conveyancing too.
  11. BobHatton

    Buying a used car Queensland

    Gumtree is the best place to buy a car privately...
  12. BobHatton

    Swimming pool

    That's not a gazebo.......it's a colosseum!
  13. BobHatton

    Questions about my super second withdrawal

    Probably true - but I'd look at EVERY alternative rather than raid my Super..
  14. BobHatton

    Questions about my super second withdrawal

    It's much better off to you if you leave it where it is though. Probably best to get a short term loan...
  15. BobHatton

    Paying English credit card off while in Oz

    I would contact them again if I were you. Not prying, but is it a large amount you owe? If not, I wouldn't worry too much about it and just offer to pay off what you can.
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