PropertyInvesting.com | ActToday | Activity https://www.propertyinvesting.com/members/acttoday/activity/ Activity feed for ActToday. Sat, 11 Apr 2026 15:00:02 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 0a47b0c6b543b30e802559f16656aeb0 ActToday replied to the topic MIAMI (ad)VICE in the forum Overseas Deals https://www.propertyinvesting.com/topic/4401354-miami-advice/page/18/#post-4633130 Thu, 24 Mar 2011 09:25:55 +0000 I have a secured visa card but needed to deposit the nominated limit on the card as security. No savings account was needed. This is not a card that is easy to obtain and several others have been rejected. I’ve had a checking account for two years and believe this is why I was approved where others have been rejected. I also have a personal…[Read more]

]]> 55b66f68046f3db2b36541c92cbfc830 ActToday replied to the topic Sizeable portfolio? in the forum Overseas Deals https://www.propertyinvesting.com/topic/4403085-sizeable-portfolio/#post-4643801 Mon, 21 Mar 2011 01:28:08 +0000 Greencard lottery closes 1st November each year I believe.

]]> 41fec52f9f351f0f07f6120d5c28a0a8 ActToday replied to the topic Tax deed sales in the forum Overseas Deals https://www.propertyinvesting.com/topic/4403062-tax-deed-sales/#post-4643707 Sun, 20 Mar 2011 12:11:08 +0000 The foreclosure process for Liens that you hold is entirely different to a property foreclosure.  What you are actually doing is requesting a Tax Deed Application.  This can take months or even as much as a year if the County is not pro active.  Once the process is complete the lien property will come up for sale at a Tax Deed Auction and will us…[Read more]

]]> 98db36039e1e09b3ede43484deb84be6 ActToday replied to the topic Sizeable portfolio? in the forum Overseas Deals https://www.propertyinvesting.com/topic/4403085-sizeable-portfolio/#post-4643799 Sun, 20 Mar 2011 11:56:07 +0000 You would need to apply for an E2 visa which entails a business plan and a whole raft of documentation which, if approved, would allow you to stay for 2 years at a time.  A Green Card can become a possibility down the track.  It's a very hard road.

]]> 8dce79c5ddb63b07ab91eb59a72cc62d ActToday replied to the topic Rental returns in USA in the forum Overseas Deals https://www.propertyinvesting.com/topic/4403013-rental-returns-in-usa/#post-4643490 Fri, 11 Mar 2011 11:16:56 +0000 Michael, I’m buying in Fort Myers Florida. The net is 17.275% which I am very happy with. I am receiving 16.258% and 14.358% on others. I look only at single family homes, even though I know there is a better return on duplexes, as i like the stability of families. I look at homes I believe can provide what families need, always check the sex…[Read more]

]]> afae9be8ef84be1f9875899a5925df9c ActToday replied to the topic Rental returns in USA in the forum Overseas Deals https://www.propertyinvesting.com/topic/4403013-rental-returns-in-usa/#post-4643485 Thu, 10 Mar 2011 19:30:58 +0000 With me commenting above that rentals have dropped slightly, today I have had three potential tenants come through the house I’m living in and one yesterday (I’ll be back home for three months later this month). All have put in applications to rent. I paid $27,000 for the house, spent roughly $5000 fixing it up and the asking rental is $700 per…[Read more]

]]> 49f34f2df32e96155df89a92efd3e880 ActToday replied to the topic Rental returns in USA in the forum Overseas Deals https://www.propertyinvesting.com/topic/4403013-rental-returns-in-usa/#post-4643481 Thu, 10 Mar 2011 11:46:46 +0000 Hi Judi,

Rental returns have dropped a little but certainly nowhere near $100 per month so I believe you were misquoted from the outset.

]]> fe921ac83406cc2ff3edbbb5b48e9b45 ActToday replied to the topic MIAMI (ad)VICE in the forum Overseas Deals https://www.propertyinvesting.com/topic/4401354-miami-advice/page/18/#post-4633126 Wed, 09 Mar 2011 19:55:25 +0000 I assure you it is happening Jay

]]> 199350954938b4143272b1aa011fcbe0 ActToday replied to the topic Tax Lien Stories - how is everyone going with these? in the forum Jay, a spruiiker is someone https://www.propertyinvesting.com/topic/4402079-tax-lien-stories-how-is-everyone-going-with-these/page/2/#post-4637450 Wed, 09 Mar 2011 19:54:19 +0000 Jay, a spruiiker is someone who comes onto a forum offering advice and once accepted as someone who knows what he is talking about comes in for the kill offering services that many take up as they believe his services will be great. It is a great way to play on the weaknesses of investors who have neither the time nor the expertise to invest on…[Read more]

]]> 45574df89b2223cc37e8f3f17c65c3fd ActToday replied to the topic Tax Lien Stories - how is everyone going with these? in the forum Jay you have some good https://www.propertyinvesting.com/topic/4402079-tax-lien-stories-how-is-everyone-going-with-these/page/2/#post-4637447 Wed, 09 Mar 2011 12:16:51 +0000 Jay you have some good information and insights but Australians are investing in Liens on line and making money without being on the ground to inspect. Liens are not a way of making a fortune but are a nice little extra income. A US Bank account is needed and the funds need to be re-invested for a period of time to build up a nest egg. The cost…[Read more]

]]> 08287296148f0c598952d8a959eacd30 ActToday replied to the topic MIAMI (ad)VICE in the forum Jay, there are some banks https://www.propertyinvesting.com/topic/4401354-miami-advice/page/18/#post-4633123 Wed, 09 Mar 2011 12:05:08 +0000 Jay, there are some banks and staff that are not abiding by the rules!! The US bank system of requiring quotas to be fulfilled by staff and commissions paid on the number of accounts opened leads to some staff opening accounts where they ought not. There are also a couple of banks that do not require their staff to abide by the Patriot Act but…[Read more]

]]> f2aa904948d9b5d6bd3b175e6b42aeb5 ActToday replied to the topic MIAMI (ad)VICE in the forum Lenny, you will need someone https://www.propertyinvesting.com/topic/4401354-miami-advice/page/17/#post-4633120 Wed, 09 Mar 2011 02:39:30 +0000 Lenny, you will need someone in the US to act as your designated person for the EIN. A .bank account will be opened by some banks’s but they are few and far between.

]]> efc666fb37dcb63892a4e9b3d005d105 ActToday replied to the topic Tax Lien Stories - how is everyone going with these? in the forum Jay, in Florida there https://www.propertyinvesting.com/topic/4402079-tax-lien-stories-how-is-everyone-going-with-these/page/2/#post-4637444 Mon, 07 Mar 2011 16:52:24 +0000 Jay, in Florida there currently is no redemption period on deeds and unfortunately, some of the Counties that had gone on-line for lien sales have reverted back to the old system which is not helpful for out of Country purchasers.

I have looked at many of the programs available to teach tax lien/deed purchasing and am not excited by many of them.

]]> 14efbb0bbc0c4e9819e6e8143f4399cd ActToday replied to the topic Tax Lien Stories - how is everyone going with these? in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402079-tax-lien-stories-how-is-everyone-going-with-these/page/2/#post-4637441 Mon, 07 Mar 2011 13:23:13 +0000 I’m not sure what programs are available through Thomas Senatore currently but you could contact Steve’s office for an update. I know Tommy is coming out to Australia in June so something may be on offer then.

]]> 9e022fca95b803a37107614c6ee85fbf ActToday replied to the topic Tax Lien Stories - how is everyone going with these? in the forum Very interesting commentary https://www.propertyinvesting.com/topic/4402079-tax-lien-stories-how-is-everyone-going-with-these/page/2/#post-4637439 Sun, 06 Mar 2011 19:23:45 +0000 Very interesting commentary above but I must disagree on some aspects. I only ever buy liens that are left over (OTC) and therefore get my 18% return. There are still plenty of good ones available and the only time I have had to go to an application for tax deed has been on a single family home…so far. You do need to have a good look at the…[Read more]

]]> ceb4295989f2caa2babf59893888b093 ActToday replied to the topic Tax Lien Stories - how is everyone going with these? in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402079-tax-lien-stories-how-is-everyone-going-with-these/#post-4637437 Sun, 06 Mar 2011 13:38:30 +0000 petejac1 you will find that 25% return on property will probably not happen. In the lower end market a return of 22% is very good but most of the returns (if calculations are done correctly) are around 17%

I love liens but you need to calculate into figures that you may need to wait two years before you see a return as many do not redeem. From…[Read more]

]]> dd04b87de6a82983435261d06babe658 ActToday replied to the topic MIAMI (ad)VICE in the forum Overseas Deals https://www.propertyinvesting.com/topic/4401354-miami-advice/page/17/#post-4633118 Sun, 06 Mar 2011 12:30:43 +0000 Sparkyoz. I need to contact you URGENTLY. Please email me judith@nimbus.com,au as you are marked as not receiving e.mails.

]]> 1b4112cfb06338d5c043c9a4511cb928 ActToday replied to the topic MIAMI (ad)VICE in the forum My advice is to forget about https://www.propertyinvesting.com/topic/4401354-miami-advice/page/17/#post-4633114 Sat, 05 Mar 2011 12:54:28 +0000 My advice is to forget about a Condo purchase unless it is a very good price and you can see copies of the HOA financials.  You need to know equactly how many of the Condo's are occupied (not just owned) and what reserves of cash the HOA has.

]]> 8ed453a1a459b321f293ff528caf4211 ActToday replied to the topic MIAMI (ad)VICE in the forum Overseas Deals https://www.propertyinvesting.com/topic/4401354-miami-advice/page/17/#post-4633110 Thu, 03 Mar 2011 04:42:37 +0000 Terry, When you start looking at foreclosures you are needing a whole lot more experience and it is not something I would go into without a good deal of due diligence. Some of the Tax Deed sales offer good buys but many of these are selling for more than their value too. You cannot gain access for inspections prior to the auction and it is a…[Read more]

]]> 4be40cf6e3b73cfe918b8e288c9a35db ActToday replied to the topic EIN, ITIN Forms in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402874-ein-itin-forms/#post-4642540 Tue, 01 Mar 2011 22:26:05 +0000 Bank accounts can be open if you can find a bank that will do so.  I have one that will still open for a foreign person who is not in the country but it is difficult with the Patriot Act.

]]> 242201d5f82045bf9819da9becb5c698 ActToday replied to the topic EIN, ITIN Forms in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402874-ein-itin-forms/#post-4642536 Mon, 28 Feb 2011 22:42:21 +0000 HighIncomeProperty,                                                                  go to the IRS website and search form SS4 then also look through the instructions.  You will find a telephone number to call.  Once you are connected the operator will want you to fax the form while you stay on the line and then will go through the form and if all…[Read more]

]]> c66a10b08c8e3f07f7d281064c116cae ActToday replied to the topic EIN, ITIN Forms in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402874-ein-itin-forms/#post-4642532 Mon, 28 Feb 2011 12:16:16 +0000 Forming an LLC is considered necessary for asset protection and is not as quick a process for non residents. The formation can be done in a matter of hours but the confirming letter may take several weeks to be sent. The EIN can be done via fax with a follow up phone call where the IRS Officer will go through the form with you and immediately…[Read more]

]]> afec4c98cfd002ff99df4bf51e72b939 ActToday replied to the topic MIAMI (ad)VICE in the forum Overseas Deals https://www.propertyinvesting.com/topic/4401354-miami-advice/page/17/#post-4633108 Mon, 28 Feb 2011 12:09:56 +0000 This board has become so clogged with spruikers it is hard for ordinary folk to know where to turn. I have checked a few websites and sales information and found one in particular that was over stretching the truth by a long way. Sound advice offered above to check County websites for sales information BTW. I am seriously thinking of…[Read more]

]]> 6054039838504b3be80329ce98b2eac0 ActToday replied to the topic EIN, ITIN Forms in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402874-ein-itin-forms/#post-4642530 Sun, 27 Feb 2011 11:19:56 +0000 USA,  as you have listed that you do not accept e.mails, feel free to e.mail me judith@nimbus.com.au and I will be happy to provide you information.

]]> 31a4184f51f07bdc4ce26f7386d5ca07 ActToday replied to the topic MIAMI (ad)VICE in the forum Jack, I'll be here in Fort https://www.propertyinvesting.com/topic/4401354-miami-advice/page/16/#post-4633101 Sat, 26 Feb 2011 21:26:32 +0000 Jack, I'll be here in Fort Myers until March 24 then back to Oz for three months after which my visa will be approved…hopefully….and then back here for at least two years.  I love Florida!  You can call me on 239 565 5747

]]> 03e0bc7f0632bc429a3d17a7f9b2b91e ActToday replied to the topic MIAMI (ad)VICE in the forum Overseas Deals https://www.propertyinvesting.com/topic/4401354-miami-advice/page/16/#post-4633095 Sat, 26 Feb 2011 10:35:27 +0000 I agree with Jeff that there are many better places to invest that Miami but what BB is inputting into this board is at least his personal opinion and experience rather than all of the spruiker posts seen here these days.I have friends who have tried Realtors in both Miami and Orlando with less than satisfactory experiences but Florida is a good…[Read more]

]]> bc8b96936a5662db72035fb35aacff0a ActToday replied to the topic bank refusing to release info to the title company in the forum Sorry I can't help but feel https://www.propertyinvesting.com/topic/4402894-bank-refusing-to-release-info-to-the-title-company/#post-4642730 Fri, 25 Feb 2011 11:50:36 +0000 Sorry I can't help but feel your pain.  There are a lot of complex laws over here and your situation is something I have heard of before. 

]]> 722acb29b6e170feeaf90a17350f4bdd ActToday replied to the topic EIN, ITIN Forms in the forum The information supplied in https://www.propertyinvesting.com/topic/4402874-ein-itin-forms/#post-4642528 Fri, 25 Feb 2011 11:46:13 +0000 The information supplied in the above link does work with the IRS and I have been using this method recently for my clients with success. 

]]> 74ac03c36b1ebfa4fdd2466a5e5185e2 ActToday replied to the topic MIAMI (ad)VICE in the forum Overseas Deals https://www.propertyinvesting.com/topic/4401354-miami-advice/page/16/#post-4633090 Wed, 23 Feb 2011 11:42:30 +0000 BB, I am very sorry to hear of your experience but am not surprised.  It only confirms that it is not at all easy for non US citizens to obtain finance.  The process of working towards a crredit rating is the only way that a reasonable loan can be obtained in my opinion.  Obtaining a credit rating is also not an easy task but I will achieve mi…[Read more]

]]> 65925b94b76ff57f4d3f70102a994c2d ActToday replied to the topic HouseBuyers USA in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402605-housebuyers-usa/#post-4640647 Tue, 08 Feb 2011 02:52:17 +0000 32 in Australia and 6 in the US, not only in Florida. I am not saying II’m an expert I said I have been successful. I’ve also had the benefit of knowledge from posters on this forum since January 2003 and try to impart knowledge to others when possible.

]]> 5f7b93393036ea993b377148aa2cfa9e ActToday replied to the topic HouseBuyers USA in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402605-housebuyers-usa/#post-4640645 Tue, 08 Feb 2011 02:15:52 +0000 Thanks for the offer Jeff but I also have over 30 years experience and have learnt through the school of hard knocks how to protect myself. I have long, medium and short term plans and I am very happy with the investments currently in place. I am watching the market closely and believe a lot of the current renters will be buyers again and that…[Read more]

]]> 4b0b33bb9d6a918375624c3dc1e9b4ea ActToday replied to the topic HouseBuyers USA in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402605-housebuyers-usa/#post-4640641 Mon, 07 Feb 2011 12:55:21 +0000 Jeff, I disagree with you on investing in Florida.  To say Florida has some of the worst vacancy rates does not tie in with what I am finding.  If you price your rental according to demand you have no problems securing a tenant.  There is a glut of available houses and where are those previous home owners now….renting.  Florida has been vey goo…[Read more]

]]> 99093868a75bb91ce5738613fc2d6a7b ActToday replied to the topic HouseBuyers USA in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402605-housebuyers-usa/#post-4640638 Sun, 06 Feb 2011 02:52:53 +0000 Karlred, anything you buy through a Realtor must have  a clear title and no liens so there is no need to employ a Lawyer to check this out.There are reputable Realtors and some not so good.  If you need one in the Fort Myers area, I can give the details of the Realtor that I use and have no hesitation in recommending.

]]> 7d9b0d99b951079a09386a687814fbb4 ActToday replied to the topic Lehigh Acres Florida ? in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402593-lehigh-acres-florida/#post-4640582 Sat, 29 Jan 2011 19:36:27 +0000 I think I really need to make the effort for that cup of coffe Cheeves, maybe Monday as I'll be very close for part of the day. 

]]> 6f6b815d5f4d2e80e4395cf6435ac887 ActToday replied to the topic Lehigh Acres Florida ? in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402593-lehigh-acres-florida/#post-4640580 Sat, 29 Jan 2011 12:03:25 +0000 cwagner, good post.  I private messaged a response to one of my earlier posts so a bit was missed here.  I think you are quite a bit off with your 50% on well and septic and would be interested to hear where you looked.  Not sure how long you were here but if you come back let me know.  I'll here until the end of March and will be back in earl…[Read more]

]]> e04366eab5d7eecd9435c1cfd62beb59 ActToday replied to the topic Lehigh Acres Florida ? in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402593-lehigh-acres-florida/#post-4640576 Fri, 28 Jan 2011 11:55:14 +0000 Still in town until the 24th March.  Been meaning to catch up but time just gets away.   Like I say, many are happy to buy with septic and pump, it's just not for me when there are so many other great buys.  My Lehigh house is in the Richmond/Third area but I'm not actively looking to buy more out there.  This one was just a great big beau…[Read more]

]]> eb9759c5afe8c4b4388547189bcfba62 ActToday replied to the topic Lehigh Acres Florida ? in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402593-lehigh-acres-florida/#post-4640574 Fri, 28 Jan 2011 03:07:03 +0000 For me they are but other investors are happy to buy homes with septic systems.  Please also make sure you purchase a property that is within a reasonable distance to a fire hydrant or you may find that you cannot get insurance.  Don't buy anything that is in a sparsely built area either.

]]> 0ed6d2608ecf8ae3973e8617323e6bf9 ActToday replied to the topic Lehigh Acres Florida ? in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402593-lehigh-acres-florida/#post-4640571 Fri, 28 Jan 2011 02:39:31 +0000 There are parts of Lehigh that are good and some that are not.  I only look at properties there with town water and sewer so that I don't have the possibility of having a water bore to service or a septic to pump. 

]]> 8044591592482a7508052ff55e67ef84 ActToday replied to the topic Please help! - INVESTING IN LAS VEGAS CONDOS? in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402560-please-help-investing-in-las-vegas-condos/#post-4640396 Wed, 26 Jan 2011 12:43:08 +0000 Levitt,  Check your private messages for Realtor info. 

]]> 8500d1c06691ae204466c3b0a3fc6f0d ActToday replied to the topic Please help! - INVESTING IN LAS VEGAS CONDOS? in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402560-please-help-investing-in-las-vegas-condos/#post-4640395 Tue, 25 Jan 2011 12:23:08 +0000 Speedy Gonzales is spot on.  For a Condo, I doubt you would get finance from anyone just now and a foreign person would find it particularly difficult.  Most find that they need to raise capital on equity from home to pay cash in the US.  With the economy in the state it is, many Condo owners are walking from their mortgages leaving the Home Ow…[Read more]

]]> dd970ceff0546cb0f38bd31faed9099b ActToday replied to the topic MIAMI (ad)VICE in the forum Overseas Deals https://www.propertyinvesting.com/topic/4401354-miami-advice/page/15/#post-4633069 Tue, 25 Jan 2011 12:11:34 +0000 I've just done comps on three of my properties, one came up $15000 under priced with rent $110 per month over what is achievable, the second was $18000 overpriced and $150 per month too high in rent but the third came up spot on.  Definitely good to have several resources to check from.

]]> cb8d95643ff2248f9cabf2e5191f7cda ActToday replied to the topic MIAMI (ad)VICE in the forum Overseas Deals https://www.propertyinvesting.com/topic/4401354-miami-advice/page/15/#post-4633067 Tue, 25 Jan 2011 11:39:57 +0000 http://www.rentometer.com this is only a guide as there could be some very high priced rentals in an area that will push the amount up.

]]> 74489a41dd3159b12ec269ae857da6a0 ActToday replied to the topic MIAMI (ad)VICE in the forum Overseas Deals https://www.propertyinvesting.com/topic/4401354-miami-advice/page/14/#post-4633059 Thu, 13 Jan 2011 09:33:58 +0000 Klimmy, I doubt your account would be building a credit score but as I don't know details you would need to ask HSBC. 

]]> bec0ea7ce1a7068d360c6d6917b8b5a0 ActToday replied to the topic MIAMI (ad)VICE in the forum Overseas Deals https://www.propertyinvesting.com/topic/4401354-miami-advice/page/14/#post-4633056 Wed, 12 Jan 2011 11:22:42 +0000 When I opened my Wachovia account I was issued with a Visa Debit card immediately and this was prior to any purchases in the States. Wachovia and Wells Fargo are almost fully integrated after the merge of last year and I have now also been issued with a Wells Fargo Visa. This is a card where you must nominate what your expected monthly spending…[Read more]

]]> 0537758c94914aed345e585a89ab91a7 ActToday replied to the topic opening a US bank account in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402147-opening-a-us-bank-account/page/2/#post-4637856 Wed, 12 Jan 2011 05:04:05 +0000 Mosqui,

You need the services of an Agent, usually an Attorney and a US address, again usually the Attorney’s for service of notices.

]]> 3a2d33ff5bb417578251de6a037b4df6 ActToday replied to the topic MIAMI (ad)VICE in the forum Overseas Deals https://www.propertyinvesting.com/topic/4401354-miami-advice/page/14/#post-4633052 Wed, 12 Jan 2011 05:00:08 +0000 Mosqui,

I am a fellow Perthite living in Florida at the moment and yes you can get a credit card so that you can use the funds from home.

]]> 129b7c89da55c215d6ed71ffc65938f3 ActToday replied to the topic opening a US bank account in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402147-opening-a-us-bank-account/page/2/#post-4637855 Wed, 12 Jan 2011 04:57:16 +0000 Top rental returns,

If your Attorney opens the bank accounts, are they in the name of the LLC? Does your Attorney have a Power of Attorney to act on behalf of your clients? Really interested to learn how this works.

]]> 6b1b94404e76d5816993fffdfcbd198c ActToday replied to the topic opening a US bank account in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402147-opening-a-us-bank-account/#post-4637850 Mon, 10 Jan 2011 11:23:45 +0000 It would appear that you still need an account here in the US for Property Managers to deposit funds as to deposit the funds directly to an AU account would incur fees.Ray, I am currently in the US and have everything set up but thought the information of a Citibank option would be helpful to others.  Jeff, The rates for funds transfer through R…[Read more]

]]> 1ead4280dbf81bc4ec3bc138df9f126f ActToday replied to the topic opening a US bank account in the forum Overseas Deals https://www.propertyinvesting.com/topic/4402147-opening-a-us-bank-account/#post-4637843 Mon, 10 Jan 2011 03:51:24 +0000 Impressive exchange rate Globaltraveller.  I know of a number who have tried to open accounts through Citibank and are finding a brick wall.  If you have opened one recently, would you share which Branch you did it through? 

]]> 78b360e890d790f651b19c81370a3893 ActToday replied to the topic USA investment companies - advise? in the forum I'll be looking at this https://www.propertyinvesting.com/topic/4402325-usa-investment-companies-advise/page/2/#post-4638966 Tue, 04 Jan 2011 17:08:59 +0000 I'll be looking at this Kim.  Thanks

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