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#2851 | ||
FF.Com.Au Hardcore
Join Date: Apr 2012
Location: Taromeo
Posts: 10,460
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Should the unthinkable happen and I need to re-mortgage then it won't cost me anything to do it.
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#2852 | |||
Experienced Member
Join Date: Sep 2006
Location: Australasia
Posts: 7,543
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Quote:
I was thinking the same as you but decided to get the title back under our name & cleared from the Bank. |
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#2853 | ||
praek tih kl jo kr
Join Date: Mar 2011
Location: Atwell W.A.
Posts: 1,654
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Depending on how much you would need to borrow, the fact that you own your home any bank will throw money at you without the home as security, you have already proven yourself by paying it off, the only time you would need the mortgage again is if you were borrowing to buy another house/s.
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#2854 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 21,886
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I’d be interested to hear PeterB-CV8’s take on this.
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#2855 | ||
FF.Com.Au Hardcore
Join Date: Sep 2005
Posts: 1,373
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It's the age old dilemma.... My personal feeling is to get the Bank to register their Discharge of Mortgage - so that your Title deed is clear. It's a great feeling to know that a Bank isn't part of your life anymore :-) Yes, it will cost you a couple of hundred dollars - but it's a worthwhile expense just for the peace of mind.
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#2856 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 21,886
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What about the obligation angle; borrowers are generally supposed to inform lenders of changes to their personal situation that credit was originally predicated upon? Surely it would make redrawing difficult if one was honest about retirement…
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#2857 | ||
FF.Com.Au Hardcore
Join Date: Sep 2005
Posts: 1,373
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Just because the Bank might already hold a property as security doesn't mean that they don't have to carry out a complete credit assessment when you ask them for a loan.
Sometimes it can be a good idea to pay the loan balance right down, but keep it open & with access to loan redraw, if you are unsure if you'll meet the Bank's credit assessment criteria. Obviously you'd also need to know that you can meet loan repayments etc. |
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#2858 | |||
T3/Sprint8
![]() Join Date: Jan 2005
Location: Australia
Posts: 16,368
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Quote:
I really don't see what gain there is keeping the acc open ? Your cashed up, no debt, easy as **** if I like to open another loan with ease.
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Tickfords T3/TS50 '02 Sprint8 manual Sept 24 '16 Daily Macan GTS "Don't believe everything you read on the internet. Abraham Lincoln" |
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#2859 | ||
HSV - I just ate one!
Join Date: Dec 2004
Location: Middle of nowhere
Posts: 3,113
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Why is it......
That owners management of long established businesses think its acceptable to say "We've been doing this for xx years, we know better than you" when an employee identifies issues & raises concerns? That management will accept what at best is mediocre performance from employees, overload the few employees they have that are actually fighting to keep the place afloat, then complain about poor performance?
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I dont care if some prius driving eco-hippy thinks its politically incorrect for me to drive a V8..... I'm paying for the fuel! |
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#2860 | |||
T3/Sprint8
![]() Join Date: Jan 2005
Location: Australia
Posts: 16,368
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Quote:
Public or private, so many factors come into this but I know what you mean. Like the ol term, my way or the highway as well. I'm not listenning, well that all comes down what style of appraoch and outlook the fish's head has. IF you don't value good employees input it just recycle and rinse outlook.
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Tickfords T3/TS50 '02 Sprint8 manual Sept 24 '16 Daily Macan GTS "Don't believe everything you read on the internet. Abraham Lincoln" |
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#2861 | |||
Donating Member
![]() Join Date: May 2008
Posts: 12,196
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Quote:
And guess who is the overloaded in this scenario? And guess who has to listen to the complaints so and so isn't working hard enough, then wanting to highlight the subject of daily chit chat at the counter over coffee every morning is a waste of 45 - 60 minutes. Or doing trivial jobs over more pressing concerns. I could go on and on but................
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PX MK II Ranger FG XR6 FG X XR8 Mustang GT T3 TS50 - gone but not forgotten |
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#2862 | ||
FF.Com.Au Hardcore
Join Date: Feb 2008
Location: Geelong, Victoria
Posts: 4,413
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Seen many managers like that over the years. Yeah they work long hours, because they spend half the day on the phone, then have to catch up on the real work.
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#2863 | ||
Donating Member
![]() Join Date: May 2008
Posts: 12,196
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..............or staring out the window critiquing others, running round in circles all day, taking personal calls during work hours, making small talk with family members, over complicating simple tasks....................
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PX MK II Ranger FG XR6 FG X XR8 Mustang GT T3 TS50 - gone but not forgotten |
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#2865 | ||
Sharper than a marble
![]() Join Date: Mar 2013
Location: Adelaide
Posts: 180
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Office Space... My favorite all time movie.. Lumberg fusked her..
Peter..... Whaaaats happenin Classic lines. One Man
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HSV, I just beat one
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#2866 | ||
Shenanigans..............
Join Date: Mar 2007
Location: Footscrazy
Posts: 12,329
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#2867 | ||
Donating Member
![]() Join Date: May 2008
Posts: 12,196
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Well, I haven't had a weekend off since I last took annual leave back in January.
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PX MK II Ranger FG XR6 FG X XR8 Mustang GT T3 TS50 - gone but not forgotten |
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#2868 | ||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,379
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#2869 | ||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,379
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I have one. Why is it I have enough money in my super to pay off my mortgage with change but can't do it?
If I were to die tomorrow my mum would be down a son and have a fully paid off house and more that she does not need, but today I could tell the banks to get ****ed! ![]() I only bring this up because the people at work are doing the sums for the mic drop. A bit older than me but just seems stupid ![]() |
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#2870 | |||
Donating Member
![]() Join Date: May 2008
Posts: 12,196
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Quote:
I'm actually gearing up for 3-months long service leave, I've been at the company since 2003 and have yet to take anything other than the usual 2-weeks annual leave. Of course, this leave falling in spring (peak selling period) has me feeling guilty, but I've been waiting two years for the catalyst to this leave (a new car), if not now, then when?
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PX MK II Ranger FG XR6 FG X XR8 Mustang GT T3 TS50 - gone but not forgotten |
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#2871 | ||
FF.Com.Au Hardcore
Join Date: Jun 2011
Location: Pt Lincoln far side South Oz
Posts: 5,767
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DFB FGXR6, gonna be blunt mate. About time you started thinking about your own self and not them as a business. Family business loyalty yes I get that but if their own family members are more concerned about themselves than the business then why should you.
I was in your position 40 years ago and walked because they gave me no option. They had the position filled within 48 hours and nothing changed. EXCEPT for the betterment of my health and mental well being. Dont think your indespensible. Yes your talents and abilities are, true. But they will fill your spot, abit not the same talents. These days most clients dont care who serves them only they get served NOW. Inform them you ARE taking long service leave. State the dates and stick with it. Dont budge. IF!!! they really care about you, they will work with you. Again If they start going off like stuck pigs 'we cant let you, we need you'. then you have won the battle. If on the other hand they dont care then what are you really to them? Just a comodity, part of the furniture. So much more I could say. But you owe them nothing, with your talents, capabilities, gifts you could hand pick a job anywhere. They owe you for your loyalty, commitment, dedication. Go tiger be the owner and director of your own destiny
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Dont p i s s off older people. At our age the term Life in Prison is not a deterrent |
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