Total Members: 158,085

adld

  • adld replied to the topic Selling a CF+ property is that a bad choice? in the forum Help Needed! 15 years, 2 months ago

    clones smells like scamp! flaming is against the rules, cut it out girls

  • adld replied to the topic What’s the next best move??? in the forum Help Needed! 15 years, 3 months ago

    Buy another IP at the low end of the market, then rent both properies out. You move into a rental property slightly bigger then what you have now. you will need to change your current home loan to Interest Only and make sure that your new loan is also interest only.Benefits:Both Loans are tax deducableThe rent you collect from one IP pays for you…[Read more]

  • adld replied to the topic FHOG???? in the forum Help Needed! 15 years, 3 months ago

    Just make sure you buy a property with an 18 month lease allready on it

  • adld replied to the topic Seminars – a waste of time! in the forum Help Needed! 15 years, 4 months ago

    i have never been to a seminar that i have had to pay more than 20$ for and didnt provide a free cup of tea.Put the money you would of spent in you offset account and go to the library and read some articles you will learn more i bet

  • adld replied to the topic i’m snowy and new in the forum Finance 15 years, 5 months ago

    hi snowy welcome to the site, my tip is read read read read and the read some more, knowledge is power! most  importantly these are public forums, the person behind the posts could be anyone and thier opinions are worthless, get to know the frequent advice givers and you will learn to ignore the "scamps"welcome!

  • adld replied to the topic property investing courses in the forum Creative Investing 15 years, 5 months ago

    Linar is right,if you are looking to build your career on property go to tafe, most tafes run night classes and allot of the study can be done at home. You should also look into studying for a real-estate license and business courses.It takes time to learn everything, no short course will give you all the answers and is most likely to send you out…[Read more]

  • adld replied to the topic Want to hire a real estate agent in the forum Help Needed! 15 years, 5 months ago

    ive been looking at individual houses and villas for like 50-70 lakh, i dont know much about it and i dont know any agents but if you eventualy find you way and your looking for a running mate im…[Read more]

  • adld replied to the topic Shortfalls? – How to have 10 properties and fund them all. in the forum Help Needed! 15 years, 5 months ago

    that was a nut that hit your head scamp not the sky

  • Is it possible to get a lease on an off the plan property that is for a FHOG buyer?

  • adld replied to the topic Using Equity in the forum Help Needed! 15 years, 5 months ago

    Think of equity as a security against the loan, your equity is your share of the apartment so, You get a new loan secured against your share of the apartment for 100% finance of your new property.So yes if you buy the new property you will have 2 loans 190k+400k = 590k total

  • adld replied to the topic Help! My boyfriend thinks this is a good investment. in the forum Help Needed! 15 years, 5 months ago

    wobbles wrote:
    Thanks Adld:We are just getting ready to put our offer in for this property….looks like he's won this particular argument.So we'll see how it goes…if we become property investors…and then contact you for a chat?W

    sure mate, im about to settle on my 1st IP and I have a 2nd in the works, looking for a 3rd! but i'm still new…[Read more]

  • adld replied to the topic AHHA Moment in the forum Help Needed! 15 years, 5 months ago

    congrats! i wish you all the best! be sure to keep us updated of your progress!

  • adld replied to the topic negative gearing review by Govt – what is the status?? in the forum Help Needed! 15 years, 5 months ago

    fandibong wrote:
    Anyone knows how long the minimum I need to keep the property as Owner Occupied before I can switch to Investment, without losing my FHOG?I always wonder why people don't buy as owner occupied, claim FHOG, then say after 2 years switch into investment and takes benefits from the Negative Gearing?That means you can take…[Read more]

  • adld replied to the topic Kingaroy vs. Melbourne in the forum Forum Frolic 15 years, 5 months ago

    gotta love the people who pull over on the side of a main hwy to take photo's of cows or sheep. you can even see the look on the animals face "WTF?"

  • adld replied to the topic Help! My boyfriend thinks this is a good investment. in the forum Help Needed! 15 years, 5 months ago

    hey wobbles, im allso from south western vic. let me know if you want to network

  • adld replied to the topic Cash Flow in the forum Help Needed! 15 years, 6 months ago

    Link to Explain

    http://www.ato.gov.au/individuals/content.asp?doc=/content/00096541.htm&page=3&H3

    Link of Form

    http://www.ato.gov.au/businesses/content.asp?doc=/content/6650.htm

    I recommend you visit an accountant, they will be able to explain the do’s and dont’s in detail and help you fill and submit the form

  • adld replied to the topic Restructure loan or not in the forum Finance 15 years, 6 months ago

    you will want to get it revalued so that you can prove the growth in the property while it was your residence and get in CGT free. any growth in the period it is being rented out if liable for CGT. you can rent it out for upto 6 years with it classed as you PPOR.

    If not allready you can change your loan to I/O, then claim it on your tax. Tell the…[Read more]

  • adld replied to the topic More Houses Less Deposits Or Less Houses More Deposits? in the forum Help Needed! 15 years, 6 months ago

    I feel there is some biased in your comments duckster, you still buy to hold with less deposits it just takes longer for the IP to get to a neutral state.

    The differance in costs of a 20% vs a 10% 5% or 3% LVR is not huge generaly speaking. as long as the invester can afford it.

    Risky yes, but the long term gains are what young investors should…[Read more]

  • adld replied to the topic More Houses Less Deposits Or Less Houses More Deposits? in the forum Help Needed! 15 years, 6 months ago

    more houses, smaller deposits. The more of other peoples money you can get the better! Aslong as you can afford them if interest rates go up and you have vacancys.

    why not spread it arround? try both whatever works for you go with.

  • adld replied to the topic Risk Free Return?? in the forum Help Needed! 15 years, 6 months ago

    Given the info you listed

    House value: $300,000
    6% capital growth on the property

    Assuming info (for negative gearing)

    10% deposit on Interest only loan
    9% interest charged
    4% rental return: $12,600

    ___________________________

    On your deposit on $30,000

    you loan $270,000 to purchase the house (not accounting for stamp duty, or other…[Read more]

adld

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