The latest Citibank stuffup (if you don't count the silly
letters I got from them asking me all sorts of stupid questions
about payments I have made) is whether or not they have
interest pre-paid loans.  I first of all had one person say
yes they did, it comes out around April, and then when I went
to inquire further, one guy tells me to go and contact Mortgage
Services, which I do, but that person tells me they don't do
them any more.  So I rang the second guy again, and he says
that's right, there was only 21 people in Australia who wanted
it, and Citibank was losing money on the accounts, and the
calculations were too hard, and they couldn't get their computer
to work properly, so the director canned that service.

I then had a brainwave that involved getting the property to
secure a margin loan, which does have prepaid interest, and
the guy there certainly wanted the business, but said it was
incorrect, the main bank would let me do it.  So I got onto 
the 4th main-bank guy, who said that the product manager had
told him they did have it, but he'd get back to me tomorrow.
He did get back to me (voicemail) and said that they decide
each year whether they should do it or not.  Amazing.

I want to do the prepaid interest, because I realised that
although I over-panicked last year, it doesn't really matter,
because I'd forgotten about my main loan, which I didn't
realise I could over-panic on.  And that means my main loan
of $96 000, which I will have paid $10 000 interest on, plus
then $200 000 prepaid with $20 000 means that I have $30 000
worth of interest this year.  Like wow man, being in debt has
never been so great!

Anyway, I got a couple of spreadsheets to do my tax last year,
and so now my life is pretty much organized and on computer.
The only thing I haven't had to do is capital gains and selling
of insurance bonds, both of which I will have to contend with
next year.

BFN.  Paul.

P.S. I'm still running at a capital loss.
@EOT:

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