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Old 18-08-2006, 05:16 AM   #31
Abacus
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[Edit] Forget it, mods would have killed the post anyway.
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Old 18-08-2006, 07:48 AM   #32
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Originally Posted by 70caprigt3k
Their not break up lines but rejection lines

Nah... This IS the "rejection line" 0419317446
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Old 18-08-2006, 07:54 AM   #33
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How about, "Oh by the way you'd better get tested".
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Old 18-08-2006, 07:55 AM   #34
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Originally Posted by Simmo
all this reminds me why i love being single/not looking.
And reminds me of how great my better half is.

On topic though... I've always been the one to break up a relationship, and that's never a fun thing to do either.
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Old 18-08-2006, 08:03 AM   #35
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Originally Posted by atec77
Keep the house and refinance her 1/2 ... now thats really gonna shiite her

I have thought of doing that, but i can not afford the repayments if i did that, My whole pay would be going to pay of the house, then i have about $400 bucks a month left for food, transport and everything else i need to live.

unfortunately, selling is my only option.
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Old 18-08-2006, 08:09 AM   #36
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Nah the corker for me was, its not you its me backed up by telling me that she had found out she was a lesbian. I asked her if she was sure she wasn't Bi, but that didn't work (doh)...
Don't know if it says much for me either -
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Old 18-08-2006, 08:19 AM   #37
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Quote:
Originally Posted by disco_tezz
I have thought of doing that, but i can not afford the repayments if i did that, My whole pay would be going to pay of the house, then i have about $400 bucks a month left for food, transport and everything else i need to live.

unfortunately, selling is my only option.
How any bedrooms - have you thought of renting it out?

You might be able to:

(a) Stay in the property, but get couple of babes to rent the spare bedrooms on a share accomodation basis, I don't know how many bedrooms there are, but it might be possible to live of your $400 plus the room rents, or

(b) Rent out the whole property. I imagine it would be negative geared, so as well as getting tenants to contribute towards the repayments you could reduce your tax bill. You could then reduce the amount of tax your employer takes out of your pay to further assist you.
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Old 18-08-2006, 08:21 AM   #38
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1) I like life! you just keep sucking it out of me.
2) She said "You will have to get this ring off my cold dead hands." even then it was F***en hard.
3) Its not me, its you!
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Old 18-08-2006, 08:25 AM   #39
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Quote:
Originally Posted by Blue Oval Mopar Man
I got the "You love your cars and your mates more than you love me!!!!"

yeppppppp had that one
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Old 18-08-2006, 08:26 AM   #40
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"It's not you, its your car"
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Old 18-08-2006, 08:28 AM   #41
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I found the best way to respond when a girl says "lets just be friends" is to say sternly, "No, none of this friends BS, we both know that is not gonna happen. I'm more of an all or nothing kind of guy babe."
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Old 18-08-2006, 08:32 AM   #42
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Originally Posted by ltd
I found the best way to respond when a girl says "lets just be friends" is to say sternly, "No, none of this friends BS, we both know that is not gonna happen. I'm more of an all or nothing kind of guy babe."
Better to say, "No I'm not interested in just being friends, I just liked you because you were easy".
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Old 18-08-2006, 08:34 AM   #43
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Or YOU could say, "by the way, you better get tested".
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Old 18-08-2006, 08:40 AM   #44
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- It's not you, it's me
- I dont think i'm ready for this
- I've been sleeping with someone else for 3 weeks
- Your to nice
- Your a good friend and i'm worried that if we get together we will loose that
- You deserve better (seriously why think that, if i want to be with you, i'll be with YOU!)
- It's not what it seems
- Your like your cars more then me (errr...yeah! they were there first!)
- It's over
- I don't want to see you again cause i can't stand you
- I've found someone else
- I don't want to hurt you

All of thse have been experiance by either, me, mates or family members
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Old 18-08-2006, 08:42 AM   #45
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Or a variation of 347_XR8's sig...
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Old 18-08-2006, 09:56 AM   #46
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Quote:
Originally Posted by Abacus
How any bedrooms - have you thought of renting it out?

You might be able to:

(a) Stay in the property, but get couple of babes to rent the spare bedrooms on a share accomodation basis, I don't know how many bedrooms there are, but it might be possible to live of your $400 plus the room rents, or

(b) Rent out the whole property. I imagine it would be negative geared, so as well as getting tenants to contribute towards the repayments you could reduce your tax bill. You could then reduce the amount of tax your employer takes out of your pay to further assist you.

Its a 3 bedroom house,

But no financial institution would lend me the money to buy her out, because over 70% of my income would be going towards the loan,

but the thought of living with 2 hot single bi babes sounds really good to me
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Old 18-08-2006, 10:08 AM   #47
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"its not me , its you"...not really i do the breaking up when it looks like things are falling apart ;)
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Old 18-08-2006, 10:12 AM   #48
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If you tell your lender that you are going to rent the place they might lend you the money, particularly if you have a good record with them. They will factor in your estimated rental income. The rate will be probably be higher than what you are paying now, because investment loans are normally more expensive than owner/occupier loans. But do some research, find out what you can rent it for, factor in the tax savings, work out how much you will have to pay to live somewhere else, and go to your lender with all the details - you might be surprised.

I don't know what the situation is with stamp duty in Victoria. I imagine you will have to pay stamp duty in respect of the half share transferred from your ex to you, so you will have to factor that in to your loan.

If interest and other expenses is more than the rent, you will be able to claim the loss as a tax deduction. If the property was built after 1982 and you rent it out you will also be able to claim a certain amount of depreciation as a tax deduction. This is money for jam - you can reduce your tax but you don't actually have to pay out any money.

Remember, you don't have to wait until the end of the year to get a tax refund, you can apply for a reduction of the tax taken out of your pay each week/fornight/month.

If you are stretched to the limit, remember to lock in the interest rate, because if rates go up you don't want exposure to either higher repayments, or a forced sale in a falling market.

All this will work best for you if the property has gone up in value since you and your ex bought it. Make sure you get two valuations, an accurate one for the bank, and a low one to wave under your ex's nose when you're negotiating how much she gets for her half share. Also make sure you deduct from that valuation the real estate agent and solicitors fees you would have to pay if the property was sold through an agent.

I don't know how you and your ex split the repayments to date. If you paid more than she did make sure you get back the extra payments made by you deducted from the amount she gets paid. Your solicitor should sort this. If she paid more then you, then keep quiet about that aspect, unless she brings it up.

Last edited by Abacus; 18-08-2006 at 10:26 AM.
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Old 18-08-2006, 10:16 AM   #49
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Quote:
Originally Posted by disco_tezz
Its a 3 bedroom house,

But no financial institution would lend me the money to buy her out, because over 70% of my income would be going towards the loan,

but the thought of living with 2 hot single bi babes sounds really good to me
If the 2 bi girls are good sports, then you could supplement your income with a webcam website featuring the 2 bi girls.
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Old 18-08-2006, 10:46 AM   #50
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Quote:
Originally Posted by pauljh74
If the 2 bi girls are good sports, then you could supplement your income with a webcam website featuring the 2 bi girls.
Gentlemen.... we have a winner
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Old 18-08-2006, 10:58 AM   #51
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the same happened to my brother he had bought a house and his wife left him after only 8 months of marriage he ended up renting the other 2 rooms out so u should take that into consideration.. it work for him and one was a young hot girl who he is now dating
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Old 18-08-2006, 04:55 PM   #52
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my best break up line (I used it on him) was
"I can't be bothered faking orgasms anymore, you're crap in bed and it is over"

Or when I broke up with my x-fiance - "I can't marry you, I'm going to Africa for 3 months, I'm at the airport just about to get on the plane"
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Old 18-08-2006, 07:14 PM   #53
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Quote:
Originally Posted by Falcon Freak
One I received at work recently - "We should keep things at a work level only". This after I was getting all the go signals for more then two weeks! Then a younger bloke entered the scene and it was all over red rover.

Thanks chich.

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Dude.. her saying hello is not a 'go signal'.

And yes, you're welcome :
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Old 18-08-2006, 07:21 PM   #54
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"You're too immature"

Damn, that hurt! :
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Old 18-08-2006, 07:32 PM   #55
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I got dumped in a text message about two years ago, I thought it was actually quite amusing.

I was only with her for 2 weeks any way.
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Old 18-08-2006, 08:00 PM   #56
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Originally Posted by chich
Dude.. her saying hello is not a 'go signal'.

And yes, you're welcome :
Hello wasn't the signal I got. Only four weeks to go and the torment is over.

FF
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Old 18-08-2006, 08:02 PM   #57
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yeah i got the line its me or the car???

well u guys must know what i chose
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Old 18-08-2006, 08:58 PM   #58
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Quote:
Originally Posted by Simmo
all this reminds me why i love being single/not looking.
Here Here!

Unless the school captain a year ahead of me (she finished 2001) was interested, then maybe I'd pucker up and start showering.

Otherwise, here here!
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Old 18-08-2006, 09:56 PM   #59
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ID say the worst thats happened to me was when the get their friends to do it for them
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Old 19-08-2006, 12:56 AM   #60
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geez...i'm yet to even have an arguement with my fair maiden... guess i'm lucky...
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