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			 by Geoff on Fri Jan 06, 2006 11:00 am
       Bel and I are now home owners!!!    (and now owe the bank lots of $$) 
 It's been a while coming but contracts have now been exchanged!!    For those of you out there whom have done this before know just what a stressful time of your lives this is...for those that haven't - I wish you all the luck and patience in the world..its not easy the first time around!!
 Here are some snaps I took recently...
 We have a 2bedroom fully renovated unit with internal laundry and massive 52.2sq. metre lockup garage!!    The front of our building, which was completed in 1972..very well maintained building:
   Lounge Dining Area:
   Kitchen (taken from internal laundry):
   Bathroom:
   Part of Balcony:
  
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
			 by yeocsa on Fri Jan 06, 2006 11:02 am
 Congratulations.  Wow, clean, nice and comfortable. Nothing feels like home.
 regards,
 
 Arthur
 
			
				yeocsa
			Senior Member Posts: 966Joined: Fri Oct 15, 2004 12:04 pmLocation: Melbourne 
 
		
		
			
			
 by stubbsy on Fri Jan 06, 2006 11:14 am
 Geoff - not sure how to say this gently - someone has stolen all your furniture    Congratulations.  Better to be on the merry-go-round than off.  The place looks great - recently renovated I take it. You now have the fun of wanting to buy all those extra things you didn't realise you needed and having no money left to pay for them. It WILL get better - the first few years are always the tightest financially. 
			
				 stubbsy
Moderator Posts: 10748Joined: Wed Dec 08, 2004 7:44 pmLocation: Newcastle NSW - D700
				
			 
 
		
		
			
			
 by losfp on Fri Jan 06, 2006 11:15 am
 Nice one!
 Welcome to the mortgage club... Only 27 more years to go for us      Damn you bank.... 
			
				 losfp
Senior Member Posts: 1572Joined: Thu Nov 17, 2005 12:45 pmLocation: Quakers Hill, Sydney
				
			 
 
		
		
			
			
 by big pix on Fri Jan 06, 2006 11:16 am
 good one ....... a bird feeder in the tree and you will have instant subjects..... Cheers ....bp.... Difference between a good street photographer and a great street photographer.... Removing objects that do not belong... happy for the comments, but  .....Please DO NOT edit my image.....        http://bigpix.smugmug.com   Forever changing 
			
				 big pix
Senior Member Posts: 4513Joined: Thu Feb 17, 2005 11:52 pmLocation: Lake Macquarie NSW. 
 
		
		
			
			
 by owen on Fri Jan 06, 2006 11:19 am
 Hey Geoff.
 Congrats mate, I know how excited you've been leading up to this.  I hope you enjoy living there.  My wife and I lived in a unit very similar although not as nice on the inside just after we were married and it was good times    Now, get out your drill and start running your cables before the furniture gets in the way   
			
				 owen
Senior Member Posts: 1699Joined: Thu Jan 06, 2005 3:21 pmLocation: Nowra, NSW
				
			 
 
		
		
			
			
 by shutterbug on Fri Jan 06, 2006 11:22 am
 Congratulations, welcome to the club....looks great. 
			
				 shutterbug
Senior Member Posts: 1853Joined: Fri Jan 07, 2005 11:32 amLocation: A Pub in Sydney / Bankstown 
 
		
		
			
			
 by Geoff on Fri Jan 06, 2006 11:29 am
 stubbsy wrote:Geoff - not sure how to say this gently - someone has stolen all your furniture    Congratulations.  Better to be on the merry-go-round than off.  The place looks great - recently renovated I take it. You now have the fun of wanting to buy all those extra things you didn't realise you needed and having no money left to pay for them. It WILL get better - the first few years are always the tightest financially.
 Thanks Peter - I am overwhelmed right now with happiness and Bel is at work damn it! Hehehe. Yep - the unit has JUST been finished a full renovation, hence the no furniture and it is un occupied at the moment. We hope to settle within 4 weeks all going well.        
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
 by Alpha_7 on Fri Jan 06, 2006 11:47 am
 Congrats Geoff and Bel! Hopefully the next 4 weeks run smoothly... need any help moving in ? 
			
				 Alpha_7
Senior Member Posts: 7259Joined: Sun Aug 14, 2005 6:19 pmLocation: Mortdale - Sydney - Nikon D700, x-D200, Leica, G9
				
			 
 
		
		
			
			
 by rokkstar on Fri Jan 06, 2006 11:52 am
 Congratulations Geoff and Bel - Sam and I have yet to make that step too.
 I would be tempted to keep it sans furniture mate, and use the space as a nice studio.  I'm sure Bel could be convinced   Matt 
			
				 rokkstar
Senior Member Posts: 1432Joined: Mon Jan 10, 2005 4:27 pmLocation: Miserable cold wet England - D200
				
			 
 
		
		
			
			
 by Geoff on Fri Jan 06, 2006 11:56 am
 Alpha_7 wrote:Congrats Geoff and Bel! Hopefully the next 4 weeks run smoothly... need any help moving in ?
 That is an incredibly kind offer Craig, but I think we'll be ok    Cheers mate!! 
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
 by Geoff on Fri Jan 06, 2006 11:57 am
 rokkstar wrote:Congratulations Geoff and Bel - Sam and I have yet to make that step too. I would be tempted to keep it sans furniture mate, and use the space as a nice studio.  I'm sure Bel could be convinced   
 The garage is 52.2 square metres, a standard SINGLE garage is 15 square meters...there is a high likelyhood of a studio and a table tennis area in the garage   ..oh and darts too, and a beer fridge!!         
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
 by sheepie on Fri Jan 06, 2006 12:00 pm
 Well done guys    If I didn't spend so much money all the time then maybe we could buy too!     When's the housewarming???*** When getting there is half the fun! *** 
			
				 sheepie
Key Member Posts: 3029Joined: Sun Aug 08, 2004 11:56 amLocation: Picnic Point, Sydney Australia           *** Nikon D200/D70 ***
				
			 
 
		
		
			
			
 by MCWB on Fri Jan 06, 2006 12:00 pm
 
			
				 MCWB
Senior Member Posts: 2121Joined: Mon Oct 11, 2004 10:55 pmLocation: Epping/CBD, Sydney-D200, D70 
 
		
		
			
			
 by Geoff on Fri Jan 06, 2006 12:04 pm
 
Haven't settled yet mate so don't have access to it as yet...but will definately do some panos - it's not my area of expertise so might need some help (hint hint)   
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
 by xerubus on Fri Jan 06, 2006 12:35 pm
 Congratulations!  This is very good news.  I'll have a cold one for you in celebration     cheers 
			
				 xerubus
Senior Member Posts: 2740Joined: Fri Oct 22, 2004 3:33 pmLocation: Nth Brisbane
				
			 
 
		
		
			
			
 by Geoff on Fri Jan 06, 2006 12:38 pm
 Thanx Xerebus   
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
 by Paul on Fri Jan 06, 2006 12:52 pm
 Nice work mate!    Looking forward to the house warming party!  Nikon F80D, FM2nRRS BH-55, 055XPROB
 Smugmug
 
			
				 Paul
Senior Member Posts: 866Joined: Tue Nov 23, 2004 8:32 amLocation: Baulkham Hills, NSW,  Australia
				
			 
 
		
		
			
			
 by stubbsy on Fri Jan 06, 2006 12:56 pm
 Paul wrote:Nice work mate!    Looking forward to the house warming party!  
 Going by your avatar you must be VERY excited   
			
				 stubbsy
Moderator Posts: 10748Joined: Wed Dec 08, 2004 7:44 pmLocation: Newcastle NSW - D700
				
			 
 
		
		
			
			
 by Marvin on Fri Jan 06, 2006 12:57 pm
 Congratulations Geoff!  Looks great.  Fantastic kitchen.
 I will never know how ordinary people in Sydney can afford to buy a house.  Nikon D7000 
			
				 Marvin
Senior Member Posts: 1486Joined: Tue Aug 10, 2004 9:33 pmLocation: Back in the hot Riverland, SA. 
 
		
		
			
			
 by ozimax on Fri Jan 06, 2006 12:58 pm
 Congrats Geoff, nice place, Max President, A.A.A.A.A (Australian Association Against Acronym Abuse)Canon EOS R6, RF 24-105 F4, RF 70-200 F4, RF 35mm F1.8, RF 16mm F2.8
 "And ye shall know the truth, and the truth shall make you free." (John 8:32)
 
			
				 ozimax
Senior Member Posts: 5289Joined: Wed Jan 05, 2005 11:58 amLocation: Coffs Harbour, NSW 
 
		
		
			
			
 by sirhc55 on Fri Jan 06, 2006 1:14 pm
 Chris--------------------------------
 I started my life with nothing and I’ve still got most of it left
 
			
				 sirhc55
Key Member Posts: 12930Joined: Fri Sep 17, 2004 6:57 pmLocation: Port Macquarie - Olympus EM-10 
 
		
		
			
			
 by Geoff on Fri Jan 06, 2006 1:16 pm
 
Not for at least 3 years    Oh..the D2X...hmmmm   
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
 by Alpha_7 on Fri Jan 06, 2006 1:20 pm
 Geoff wrote:Not for at least 3 years    Oh..the D2X...hmmmm  
 That's right, there's plenty of time for that... Get the D2X first   
			
				 Alpha_7
Senior Member Posts: 7259Joined: Sun Aug 14, 2005 6:19 pmLocation: Mortdale - Sydney - Nikon D700, x-D200, Leica, G9
				
			 
 
		
		
			
			
 by birddog114 on Fri Jan 06, 2006 1:22 pm
 A good news is a new home to move in and a big bad news is now both of you are working free for the bank !
 And I'm not in the club (mortgage) so I'm happy!
 
 Congrats anyway!
 Last edited by birddog114  on Fri Jan 06, 2006 1:22 pm, edited 1 time in total.
					
				Birddog114
VNAF, My Beloved Country and Airspace
 
			
				 birddog114
Senior Member Posts: 15881Joined: Sat Aug 07, 2004 8:18 pmLocation: Belmore,Sydney 
 
		
		
			
			
 by sirhc55 on Fri Jan 06, 2006 1:22 pm
 Why get a D2X - the D200 would be excellent for what you do Geoff + you could buy 2  Chris--------------------------------
 I started my life with nothing and I’ve still got most of it left
 
			
				 sirhc55
Key Member Posts: 12930Joined: Fri Sep 17, 2004 6:57 pmLocation: Port Macquarie - Olympus EM-10 
 
		
		
			
			
 by Geoff on Fri Jan 06, 2006 1:26 pm
 Birddog114 wrote:A good news is a new home to move in and a big bad news is now both of you are working free for the bank !
 And I'm not in the club (mortgage) so I'm happy!
 
 Congrats anyway!
 Thanx Birdy    Most young ppl start with a mortgage, it's the way of life for most...
 We are ecstatic!!        Minimeet at Harbord?!   
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
 by shutterbug on Fri Jan 06, 2006 1:26 pm
 Why get a D2X - the D200 would be excellent for what you do Geoff + you could buy 2 
 or maybe the new D3H    
			
				 shutterbug
Senior Member Posts: 1853Joined: Fri Jan 07, 2005 11:32 amLocation: A Pub in Sydney / Bankstown 
 
		
		
			
			
 by Geoff on Fri Jan 06, 2006 1:26 pm
 Birddog114 wrote:A good news is a new home to move in and a big bad news is now both of you are working free for the bank !
 And I'm not in the club (mortgage) so I'm happy!
 
 Congrats anyway!
 Thanx Birdy    Most young ppl start with a mortgage, it's the way of life for most...
 We are ecstatic!!        Minimeet at Harbord in the garage?!   
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
 by Geoff on Fri Jan 06, 2006 1:27 pm
 sirhc55 wrote:Why get a D2X - the D200 would be excellent for what you do Geoff + you could buy 2  
 Good point Chris   
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
 by Alex on Fri Jan 06, 2006 1:34 pm
 Congratulations, Geoff. I know the feeling. We also are having a settlement for our first house, well a unit on Jan 15!!
 Well done both
 
 Alex
 
			
				 Alex
Senior Member Posts: 3465Joined: Thu Feb 24, 2005 6:14 pmLocation: Melbourne - Nikon
				
			 
 
		
		
			
			
 by birddog114 on Fri Jan 06, 2006 1:34 pm
 Geoff wrote: Minimeet at Harbord in the garage?!  
 Why not?  Birddog114
VNAF, My Beloved Country and Airspace
 
			
				 birddog114
Senior Member Posts: 15881Joined: Sat Aug 07, 2004 8:18 pmLocation: Belmore,Sydney 
 
		
		
			
			
 by Alpha_7 on Fri Jan 06, 2006 1:35 pm
 Birddog114 wrote:Geoff wrote: Minimeet at Harbord in the garage?!  
 Why not?  
 Sounds like a great idea if the studio is setup.. get someone to mod el and we can have a "studio" minimeet! 
			
				 Alpha_7
Senior Member Posts: 7259Joined: Sun Aug 14, 2005 6:19 pmLocation: Mortdale - Sydney - Nikon D700, x-D200, Leica, G9
				
			 
 
		
		
			
			
 by Geoff on Fri Jan 06, 2006 2:10 pm
 Alpha_7 wrote:Birddog114 wrote:Geoff wrote: Minimeet at Harbord in the garage?!  
 Why not?  
 Sounds like a great idea if the studio is setup.. get someone to mod el and we can have a "studio" minimeet!
 Now you're talking!!!        Wait until I tell Bel....she will love the idea too!! 
 MIght be a while before we have a studio setup though...$$$ 
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
 by Geoff on Fri Jan 06, 2006 2:11 pm
 Alex wrote:Congratulations, Geoff. I know the feeling. We also are having a settlement for our first house, well a unit on Jan 15!!
 Well done both
 
 Alex
 Congrats!!!          SUCH an exciting time! 
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
 by wile_E on Fri Jan 06, 2006 2:15 pm
 Awesome Geoff, congratulations! 
 With the renovations, the unit looks brand new!!    
			
				 wile_E
Member Posts: 198Joined: Tue Nov 23, 2004 12:34 pmLocation: Maroubra, Sydney 
 
		
		
			
			
 by johndec on Fri Jan 06, 2006 5:46 pm
 Well done Geoff and Bel. I couldn't be happier for you     If I'm alone in a forest and my wife is not around to hear what I say, am I still wrong ?? 
			
				 johndec
Senior Member Posts: 1327Joined: Mon Dec 06, 2004 11:24 pmLocation: Sans Souci, Sydney...D200.... 
 
		
		
			
			
 by mudder on Fri Jan 06, 2006 8:24 pm
 Geoff and Alex congrats guys... Welcome to the land of the mortgage   Aka Andrew 
			
				 mudder
Senior Member Posts: 3020Joined: Fri Oct 29, 2004 5:58 pmLocation: Melbourne - Burwood East
				
			 
 
		
		
			
			
 by skippy on Fri Jan 06, 2006 10:27 pm
 Congrats guys, and relax. It's not as hard as it seems at first. You'll look back on your first huge mortgage with nostalgia when you get your second...      That's a great garage though. A few spotties from Bunnings and a fluoro or two to balance them and you could have a great studio pretty cheaply!Dopeler Effect: The tendency of stupid ideas to seem smarter when they come at you rapidly. 
			
				 skippy
Member Posts: 300Joined: Tue Dec 14, 2004 11:57 pmLocation: Berowra, Sydney 
 
		
		
			
			
 by Matt. K on Fri Jan 06, 2006 11:11 pm
 Well done guys! You will never regret it. Now relax and don't sweat about the mortgage...in 7 or 8 years time it will be peanuts. Oh...and have your housewarming party before  you get your furniture.      Regards
 Matt. K
 
			
				 Matt. K
Former Outstanding Member Of The Year and KM Posts: 9981Joined: Mon Sep 06, 2004 7:12 pmLocation: North Nowra 
 
		
		
			
			
 by Geoff on Fri Jan 06, 2006 11:24 pm
 Thanx guys - your words and encouragement and enthusiasm are appreciated      I'm so excited I can't sleep!! 
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
 by skippy on Fri Jan 06, 2006 11:28 pm
 Glad that it's excitement, not stress/worry!
 A suggestion that I know you'll find really hard to live with - take pics as you fill the place with furniture. Oh, and assuming you don't already have a houseful of furniture to transplant, take your time getting the furniture so it all matches. Bear in mind that you'll probably have the furniture for decades, and fashion and your tastes will change. Make it timeless so you can still stand to look at it in 2020.
 Dopeler Effect: The tendency of stupid ideas to seem smarter when they come at you rapidly. 
			
				 skippy
Member Posts: 300Joined: Tue Dec 14, 2004 11:57 pmLocation: Berowra, Sydney 
 
		
		
			
			
 by Geoff on Fri Jan 06, 2006 11:31 pm
 skippy wrote:Glad that it's excitement, not stress/worry!
 A suggestion that I know you'll find really hard to live with - take pics as you fill the place with furniture. Oh, and assuming you don't already have a houseful of furniture to transplant, take your time getting the furniture so it all matches. Bear in mind that you'll probably have the furniture for decades, and fashion and your tastes will change. Make it timeless so you can still stand to look at it in 2020.
 Hehehe...yep! Thanx Skippy. Of course there is an element of worry but we really did our calculations VERY carefully before making an offer...we should still be able to eat (maybe Baked Beans hehe just kidding)...
 Great suggestion re the furniture idea.... 
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
 by Onyx on Fri Jan 06, 2006 11:38 pm
 Hey Geoff - I know it's been a long time coming for you and Bel, having made many sacrifices financially (and no doubt with many more to come), but you're finally there! Congrats on signing your life away to the bank. I guess it's a 'first time in your life' thing and I'm honoured you chose to share this happy occasion with your forum family.    We are happy for you.
 I look forward to seeing the 'SMP Studio' signage outside your spacious garage.    You could hire out your photographic studio on hourly rates, they go for a pretty penny... help out with your mortgage.   
			
				 Onyx
Senior Member Posts: 3631Joined: Sat Aug 07, 2004 6:51 pmLocation: westsyd.nsw.au
				
			 
 
		
		
			
			
 by Geoff on Fri Jan 06, 2006 11:41 pm
 Onyx wrote:Hey Geoff - I know it's been a long time coming for you and Bel, having made many sacrifices financially (and no doubt with many more to come), but you're finally there! Congrats on signing your life away to the bank. I guess it's a 'first time in your life' thing and I'm honoured you chose to share this happy occasion with your forum family.    We are happy for you. I look forward to seeing the 'SMP Studio' signage outside your spacious garage.    You could hire out your photographic studio on hourly rates, they go for a pretty penny... help out with your mortgage.  
 Awww....thanks Chi! What kind words. Yes it has been a sacrafice but one that's definately been worth it. I am DEFINATELY going to plan a Harbord Garage Minimeet, I estimate it will happen around April or May of 06    Hiring the studio...now you're talking...want a comission?   
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
 by birddog114 on Sat Jan 07, 2006 7:02 am
 Is Harbord in Northern Beaches?
I thought Harbord is a suburb, which lies between North Sydney and Artamon.
 Birddog114
VNAF, My Beloved Country and Airspace
 
			
				 birddog114
Senior Member Posts: 15881Joined: Sat Aug 07, 2004 8:18 pmLocation: Belmore,Sydney 
 
		
		
			
			
 by JordanP on Sat Jan 07, 2006 7:12 am
 Wow, Geoff and Bel !!!    Well done.  Diana and I are very happy for you both.  The place looks very neat and comfortable - you have found a winner after all that time searching.  I can imagine there are a lot of emotions now that you have actually found the right one and have exchanged contracts.  This next 4 weeks might seem to drag out - best to distract yourself with some other big event.......   Craig 
			
				 JordanP
Senior Member Posts: 1050Joined: Sat Aug 07, 2004 8:52 pmLocation: Lismore, NSW
				
			 
 
		
		
			
			
 by Killakoala on Sat Jan 07, 2006 7:27 am
 Geoff, congratulations to yourself and Bel. Steve. |D700| D2H | F5 | 70-200VR | 85 1.4 | 50 1.4 | 28-70 | 10.5 | 12-24 | SB800 |Website-> http://www.stevekilburn.comLeeds United for promotion in 2014 - Hurrah!!! 
			
				 Killakoala
Senior Member Posts: 5398Joined: Fri Aug 13, 2004 3:31 pmLocation: Southland NZ
				
			 
 
		
		
			
			
 by Geoff on Sat Jan 07, 2006 8:16 am
 Birddog114 wrote:Is Harbord in Northern Beaches?I thought Harbord is a suburb, which lies between North Sydney and Artamon.
 Harbord is on the Norther Beaches Birdy - it's the next Surburb (North West) to Manly. Some people like to call Harbord North Manly, but it's not   
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
		
		
			
			
 by Geoff on Sat Jan 07, 2006 8:24 am
 JordanP wrote:Wow, Geoff and Bel !!!    Well done.  Diana and I are very happy for you both.  The place looks very neat and comfortable - you have found a winner after all that time searching.  I can imagine there are a lot of emotions now that you have actually found the right one and have exchanged contracts.  This next 4 weeks might seem to drag out - best to distract yourself with some other big event.......   
 Thanks Craig and Diana!    We certainly will be discussing this 'big event' with more gusto over the next few weeks/months   . We've pretty much decided to go low key with this however, and have a nice honeymoon/holiday!! 
			
				 Geoff
Moderator Posts: 7791Joined: Sat Aug 07, 2004 12:08 amLocation: Freshwater -  Northern Beaches, Sydney.
				
			 
 
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