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Search: Posts Made By: MTPockets
Showing results 1 to 25 of 400
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Forum: Moving back or to the UK
Feb 18th 2009, 3:29 pm
Replies: 130
Views: 8,053
Posted By MTPockets

Re: Ping pong pom

Mmmmm. You're in roehampton? I don't know how long you've been away but roehampton is a commonly accepted shithole, so it's not surprising you don't like it. I don't like it either and I hope you...
Forum: The Barbie
Feb 15th 2009, 9:52 am
Replies: 95
Views: 4,704
Posted By MTPockets

Re: Should donated money be used for house rebuilding of those who were not insured?

Surely that's not surprising - and should make it even more fundamental. That's the nature of probability and insurance.
Forum: Australia
Feb 13th 2009, 4:45 pm
Replies: 187
Views: 16,700
Posted By MTPockets

Re: $42 billion Stimulus Package

It's all politicking. I agree with most of what you say, except I'm even more scathing. This all makes me so angry - not just here, but what's being done in the US, UK, Europe, suggested by the IMF...
Forum: The Barbie
Feb 13th 2009, 6:49 am
Replies: 148
Views: 7,395
Posted By MTPockets

Re: Should the victims of the Victoria Fires have their homes rebuilt gratis ...

Probably. With 95% confidence [interval] I'd reckon...
Forum: The Barbie
Feb 13th 2009, 6:26 am
Replies: 148
Views: 7,395
Posted By MTPockets

Re: Should the victims of the Victoria Fires have their homes rebuilt gratis ...

Don't worry I'm not having a a go, just taking the p!ss ;)
I like a nice figure myself.
Forum: The Barbie
Feb 13th 2009, 6:22 am
Replies: 148
Views: 7,395
Posted By MTPockets

Re: Should the victims of the Victoria Fires have their homes rebuilt gratis ...

90.45% of statistics are made up and the remaining 12.55% are worthless...
Forum: The Barbie
Feb 13th 2009, 6:10 am
Replies: 148
Views: 7,395
Posted By MTPockets

Re: Should the victims of the Victoria Fires have their homes rebuilt gratis ...

Crikey ABCD I've never known anybody with such a love of random statistics - especially of the pro-australian kind, which is fair enough but getting a little predictable.

Anyway, the 'which...
Forum: Australia
Feb 12th 2009, 1:35 pm
Replies: 20
Views: 2,457
Posted By MTPockets

Re: How can I get out of paying home loan break fee?

http://britishexpats.com/forum/showthread.php?t=590296
Forum: Australia
Feb 12th 2009, 12:00 pm
Replies: 187
Views: 16,700
Posted By MTPockets

Re: $42 billion Stimulus Package

Agree with you. However, judging by the chorus of cries for these sort of 'packages' around the world unfortunately I think it's too late.
Forum: The Barbie
Feb 12th 2009, 4:56 am
Replies: 23
Views: 1,287
Posted By MTPockets

Re: What to do for a living.

And another... :)

Generali - I understand your frustration as my experience from investment banking sounds very similar to yours.

I can't really offer any suggestions either except to say I...
Forum: Australia
Feb 11th 2009, 1:24 am
Replies: 64
Views: 4,948
Posted By MTPockets

Re: Beware of selling your ozzy house on a fixed rate loan

I do agree with you on that point - where the risks are explained. Maybe the banks could also do a better job of also explaining how mortgagees could themselves hedge the risk (through...
Forum: Australia
Feb 11th 2009, 12:17 am
Replies: 64
Views: 4,948
Posted By MTPockets

Re: Beware of selling your ozzy house on a fixed rate loan

I’m not disputing fees, just that there’s a big difference between 3% of outstanding & 4% rate differential applied for the mortgage term. The banks (and customers!) seem to be defending their...
Forum: Australia
Feb 10th 2009, 12:26 pm
Replies: 64
Views: 4,948
Posted By MTPockets

Re: Beware of selling your ozzy house on a fixed rate loan

Good to hear you didn't listen to them. There was a Today Tonight program on the issue (ok it is a sensationalist show and not exactly in depth/rounded) but I think they make a fair point.
...
Forum: Australia
Feb 10th 2009, 7:19 am
Replies: 5
Views: 662
Posted By MTPockets

Re: Go Go Conveyancing

I think they're ping-pongers...
Forum: Australia
Feb 10th 2009, 7:06 am
Replies: 64
Views: 4,948
Posted By MTPockets

Re: Beware of selling your ozzy house on a fixed rate loan

Crikey, they make it so clear... :huh: What you need from them is the amount still owed. You can then plug that into a mortgage calculator to work out two different total amounts that would be paid...
Forum: Australia
Feb 10th 2009, 5:30 am
Replies: 64
Views: 4,948
Posted By MTPockets

Re: Beware of selling your ozzy house on a fixed rate loan

It would be reasonable if it actually represented their risk, but it doesn't and the means by which banks hedge it isn't so much prudent as just normal operations. It's a simple game of pass the buck...
Forum: Australia
Feb 10th 2009, 4:52 am
Replies: 64
Views: 4,948
Posted By MTPockets

Re: Beware of selling your ozzy house on a fixed rate loan

There's quite a difference though in how those banks made their money - usual business and consumer banking vs speculative and financial market operations (rightly or wongly), domestic vs...
Forum: Australia
Feb 10th 2009, 3:50 am
Replies: 64
Views: 4,948
Posted By MTPockets

Re: Beware of selling your ozzy house on a fixed rate loan

I understand that may the way it's done here, but I don't think it's right or that they'd end up going under. It's the job of a bank to manage their mortgage book cashflow through forward rate...
Forum: Australia
Feb 10th 2009, 3:40 am
Replies: 64
Views: 4,948
Posted By MTPockets

Re: Beware of selling your ozzy house on a fixed rate loan

I think that's the same thing really, which I think is unfair.

Profits - that's my point. I don't understand why the government has created a market where the banks screw over the taxpayers to...
Forum: Australia
Feb 10th 2009, 3:16 am
Replies: 64
Views: 4,948
Posted By MTPockets

Re: Beware of selling your ozzy house on a fixed rate loan

Yeah they don't make it easy - try searching the CBA website for info on early repayment charges - nada.

I know all countries have exit fees and that should always be a consideration, but I've...
Forum: Australia
Feb 10th 2009, 2:03 am
Replies: 64
Views: 4,948
Posted By MTPockets

Re: Beware of selling your ozzy house on a fixed rate loan

I agree with you, but not if the charge method wasn't explained/not written into the contract. I also do not understand why the country has allowed the banks to impose fees of that kind - but...
Forum: Australia
Feb 9th 2009, 11:29 pm
Replies: 14
Views: 1,082
Posted By MTPockets

Re: Australia..travelling help.....

Hi. Check out the lonely planet's forum as that's more for backpackers rather
than emigration.

http://www.lonelyplanet.com/thorntree/index.jspa

Bank account - pretty simple to open one up when...
Forum: Australia
Feb 9th 2009, 11:05 pm
Replies: 64
Views: 4,948
Posted By MTPockets

Re: Beware of selling your ozzy house on a fixed rate loan

Despite what everyone else has said I still think it sounds odd. I'mnot sure if you're saying the broker 'recommended' a fixed rate, but in the uk I'm fairly sure brokers/lenders are not allowed to...
Forum: Australia
Feb 9th 2009, 2:01 pm
Replies: 64
Views: 4,948
Posted By MTPockets

Re: Beware of selling your ozzy house on a fixed rate loan

Maybe although they didn't mention switching, but even if they are it's still a ridiculous charge. I know there's always a risk with fixed rates - and some charge incurred - but that's extortionate...
Forum: Australia
Feb 9th 2009, 1:37 pm
Replies: 64
Views: 4,948
Posted By MTPockets

Re: Beware of selling your ozzy house on a fixed rate loan

No, I've never heard of that in the UK. Charges are usually a function of either the amount orginally borrowed, the amount left to pay (capital), or a set number of months. I've never heard of any...
Showing results 1 to 25 of 400
 
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