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Vic Wasteland Thread - 15.0

R31Nismoid

By R31Nismoid,
in Victoria

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blah_blah
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This is where the cost of a Tax accountant that knows what they are doing outweighs the costs   FYI $300/h

Mohsen
Mohsen

this has been covered many times before on this forum, please use the search function.

Mohsen
Mohsen

tokyo is so f**king cool.

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alr33x Grand Master

alr33x

Posted
Posted

Yeah the centurion card is a freaking joke. They say you need to spend $250k personal on another amex etc but I don't buy it. I reckon they will give one to anyone stupid enough to pay the rediculous fees. When I was working at Cosi soooooo many people had them.

yeh depends how you use it i guess a mate of mine not on a black but charges literally everything to his credit card for points pays it off every month so no issues there but gets free flights and lots of perks but between him and his wife i'd say they'd be well into $400k + territory

joeyjoejoejuniorshabadoo Grand Master

joeyjoejoejuniorshabadoo

Posted
Posted

yeh depends how you use it i guess a mate of mine not on a black but charges literally everything to his credit card for points pays it off every month so no issues there but gets free flights and lots of perks but between him and his wife i'd say they'd be well into $400k + territory

That's how a CC should be used....

they say they want $250k pa personal expenditure for centurion (no business expenses)....

that's $5k a week spending on personal shit which is why I think it's a bit of an exaggeration

if it was business expenses that's easy

Rekin Grand Master

Rekin

Posted
Posted

OK property specialists....

Hoping to move forward with this land purchase in next few weeks.

what sort of questions should I be asking real estate agent prior to going to the bank?

WHat other stuff should I get ready prior to talking to the bank.

(other than the obvious, pay slips, car valuations, proof of deposit..)

Your first mistake is talking to a bank.

Go to a mortgage broker (mortgage choice).

They will run multiple scenarios based on your assets/liabilities and let you know the best one.

joeyjoejoejuniorshabadoo Grand Master

joeyjoejoejuniorshabadoo

Posted
Posted

Your first mistake is talking to a bank.

Go to a mortgage broker (mortgage choice).

They will run multiple scenarios based on your assets/liabilities and let you know the best one.

yes and no.... they will always be influenced more by their commissions than your rate

Rekin Grand Master

Rekin

Posted
Posted

yes and no.... they will always be influenced more by their commissions than your rate

They show you all the options with their software. They may sway you to a smaller bank but the final call is yours.

I made sure they worked out the best deal with the bank(s) I wanted to do business with.

If at the end of the day you come out with the lowest interest rate at the best value (LVR) their commission is not a problem.

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