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saff_cossie

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About saff_cossie

  • Birthday 21/10/1980

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  • Website URL
    http://www.cameraglasses.com.au

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  • Gender
    Male
  • Location
    Bayside, Melbourne

Profile Fields

  • Car(s)
    Evo IX + some
  • Real Name
    Alan

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  1. Reading the stories and watching Aaron's video makes me miss these. So much fun.
  2. Have been through this recently. Tennants in Common as Ruffel's said is the more common way of doing this. Mine was a simple 4 pager but had a few other clauses in there including minimum sale price, permission to reside in the property etc (is rented out at the moment). Few tricks can be done with the mortgage too so you can each have your own subset of the overall. Definately recommend getting a lawyer to do it. Max $1000, any more and it is getting too complex and they are spending too much time on it. Don't forget all the other things a bank looks for though, savings history, rental history etc.
  3. Great write up mate, interesting read. Look forward to seeing it in person soon.
  4. MRZHOU sat at lights near my place. Superb sounding car, found a clip of it on youtube too from Crown. LP640 I believe.
  5. Getting out of a fine is not hard. Being on P's didnt used to do you any favours (and infact they used to honor the fine and points) but times might have changed. As much as it frustrates me to plead guilty and ask for forgiveness in the 4kph over on a highway bracket, the issuing officer has always written back a warning and removed the 1 point and fine.
  6. Not mine mate but I know they wouldn't be interested in renting out as people have asked before. It is rare, only 12 came into the country and is old now as well (2001). To be honest, I wouldn't be going out into the bay anymore on it, has broken down enough times! Heading out on Boxing Day so will post some pics up on Facebook.
  7. A boating licence with a PWC endorsement. Had mine for about 7 years now. Don't use the jetski as much as we used to, they get boring after a while and taking out in the bay means a good clean after to flush the salt out. All the water has meant the lakes are nice and full.
  8. Well done guys, great read.
  9. Great pics, BMW one is ace! As nice as Europe and the US are, it does make me appreciate Australia all the more each time I come back. Cycling along Beach Road to and from work, great coffee and weather. Really is the complete package in Australia for me.
  10. One more set from memory after the servo on the way out.
  11. The transfer between States is only very recent and may not apply to all scenarios. With a cancelled licence in Vic, someone who shall remain nameless relocated to QLD and got his licence up there nearly 2 years ago. However he has since gone to renew his QLD licence as he eventually moved up there anyway and his Vic points have now been added. This was back in August. I came to Australia at 19 with my UK licence (the UK licence used to be on watermarked paper before photocards). I was able to drive freely with no P's and once I realised I would be here longer than 3 months, sat my test. I only had to do a theory test as the UK test is hard but the main reason for getting the Vic licence was to start getting a credit history. When they issued it, they put a black stamp on my UK licence saying Vic Roads Licence Issued XX/XX/XX. This was incase I handed my paper one over if I was stopped. Just applied for a new photocard one a few weeks later and said I had lost my UK paper one. As for points, they don't accrue on an international licence, however if you are Aussie living O/S but back here driving on holiday and get pinged with a camera, they will pursue to your country of residence! This is from experience.
  12. Happy Birthday old timer, welcome to the club. Lunch soon.
  13. saff_cossie

    Car Finance

    Have done a number of these over the years so my 2c: Evo VII was through Esanda. They were ok and accepted it being an import. Evo VIII MR was also through Esanda as they had everything on file (had changed jobs but kept it as my previous one). Cooper S was through Alphera as bought it from BMW S4 through Alphera as BMW had all details. I can't stand wasting time and sitting on a phone/faxing/scanning docs is a pet hate. I juggled the residuals with them and it will depend on whether you intend to keep the car long term. If you take it over 3-5 years and put a high (ish) residual on it, payments are lower and when you sell, you pay it out. This is good if you need surplus income each month. If you want to keep it long term, make the payments higher so you are not hit with $5-$10K + balloon at the end. Also looked at novated options (drawing on Ferni's expertise) but instead just claimed the business usage seperately. VII's are good value now, looking again myself. S4 for grabs if interested
  14. DECA is 20th this month up at Shepparton. A number of people head up on the Friday (19th) though. You don't have to compete but most people wish they had after watching for a couple of runs. Accomodation thread is up but is in the members area. Highly recommend signing up and a commodore isn't out of place anywhere in the club. Great bunch of guys and girls.
  15. LOL and I nearly posted "welcome to 2007" after just reading the title. Lucky I read the first post too!
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