Author Archives: carolynbond

One more ‘rent-to-buy’ risk – property values

In addition to all the other risks associated with rent-to-buy/vendor finance deals, the ‘buyer’ must gamble on a minimum increase in property value over a short-term.  An examination of some historic property price fluctuations shows how high this risk this … Continue reading

Posted in Rent to Buy, Rent to Buy Houses, rent to own, vendor terms | Tagged , , , | 7 Comments

Telemarketing, ‘Do Not Call’, and the The Property Investment Link 

Note: Optima Wealth Solutions is a property investment firm http://www.owealth.com.au which  shares a phone number with Optima Lending Solutions and Optima Homes.  It is not related to Optima Group, Optima Lending or Optima Wealth Management who do not use telemarketers. … Continue reading

Posted in Consumer issues - general, Uncategorized | Tagged , , , , , , | 3 Comments

Shocked by education costs? – why anxiety about your child’s education can make you vulnerable

We are often reminded about the cost of educating our children at this time of year – not just because we’re paying for school books, uniforms and fees, but by media reports about the high costs of education. These cost estimates … Continue reading

Posted in sales psychology, Uncategorized | Tagged , , | 2 Comments

When even a free extended warranty is overpriced

Consumer Action Law Centre recently warned about virtually worthless warranties that consumers sometimes purchase when taking out a loan or buying a car. If you have paid for a warranty, or any other type of “add-on insurance”  see how you … Continue reading

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Consumer Guarantees and Used Cars

(This is not legal advice.  There are no written reasons for the VCAT decision so I am relying on notes I took during the hearing). A Victorian consumer recently received a full refund of the price he paid for a … Continue reading

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Dodgy marketing of college courses

Over the last six months I’ve spent time on the phone with dodgy salespeople – I even had someone visit my home – to try to uncover which training college was at the bottom of misleading telemarketing calls. The marketing of … Continue reading

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Has the Government put Rick Otton’s book in all the libraries?

Rick Otton and his students go to great lengths to show how “rent to buy” strategies are accepted – even supported – by Government, the Courts and the banks. Most of these claims are probably inconsequential in their own right, but it … Continue reading

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