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	<title>PropertyInvesting.com | amyhunz | Activity</title>
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				<title>amyhunz replied to the topic Property Manager  in Orange NSW in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4406435-property-manager-in-orange-nsw/#post-4668378</link>
				<pubDate>Mon, 17 Sep 2012 04:29:52 +0000</pubDate>

									<content:encoded><![CDATA[<p>Can anyone help with this question? We have had a 2bdrm unit managed in Orange for 12 months (R&amp;H) and are just about to move to another Agent. Can anyone recommend someone who they&#039;ve had success with? I&#039;ve called all of them but I find it hard to judge over the phone. Thanks in advance</p>
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				<title>amyhunz replied to the topic 2012 Orange nsw in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4406760-2012-orange-nsw/#post-4671231</link>
				<pubDate>Fri, 17 Aug 2012 00:43:50 +0000</pubDate>

									<content:encoded><![CDATA[<p>We have a unit in Orange (since Jul LY). We&#039;ve been using Raine and Horne however after a recent inspection of the property we have decided to move on and test another agent, possibly Blowes (Tania). They all charge around 8.8% and don&#039;t seem to discount (I&#039;ve asked all of them!).</p>
<p>Cadia has indeed recently put off a number of contractors attached&hellip;<span class="activity-read-more" id="activity-read-more-136355"><a href="https://www.propertyinvesting.com/topic/4406760-2012-orange-nsw/#post-4671231" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic DIY Property Styling made us $20-$25k! in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4406293-diy-property-styling-made-us-20-25k/page/2/#post-4667315</link>
				<pubDate>Thu, 28 Jun 2012 09:40:04 +0000</pubDate>

									<content:encoded><![CDATA[<p><img src="http://i1061.photobucket.com/albums/t471/amyhunz81/26340-hires.jpg" alt="26340-hires.jpg" class="bbcode_img" /></p>
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				<title>amyhunz replied to the topic DIY Property Styling made us $20-$25k! in the forum 
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				<link>https://www.propertyinvesting.com/topic/4406293-diy-property-styling-made-us-20-25k/page/2/#post-4667314</link>
				<pubDate>Thu, 28 Jun 2012 09:37:06 +0000</pubDate>

									<content:encoded><![CDATA[<p><img src="http://i1061.photobucket.com/albums/t471/amyhunz81/26338-lores.jpg" alt="26338-lores.jpg" class="bbcode_img" /><img src="http://i1061.photobucket.com/albums/t471/amyhunz81/26339-lores.jpg" alt="26339-lores.jpg" class="bbcode_img" /><img src="http://i1061.photobucket.com/albums/t471/amyhunz81/26341-lores.jpg" alt="26341-lores.jpg" class="bbcode_img" /><img src="http://i1061.photobucket.com/albums/t471/amyhunz81/26342-lores.jpg" alt="26342-lores.jpg" class="bbcode_img" /><img src="http://i1061.photobucket.com/albums/t471/amyhunz81/26343-lores.jpg" alt="26343-lores.jpg" class="bbcode_img" /></p>
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				<title>amyhunz replied to the topic DIY Property Styling made us $20-$25k! in the forum These are great websites.</title>
				<link>https://www.propertyinvesting.com/topic/4406293-diy-property-styling-made-us-20-25k/page/2/#post-4667313</link>
				<pubDate>Wed, 27 Jun 2012 03:41:36 +0000</pubDate>

									<content:encoded><![CDATA[<p>These are great websites. Definitely if you&#039;re time poor this is the way to go. For me, I&#039;m in a stage of life that I had the time to source, buy and style things myself. It takes alot of time and effort but at the end of the day, it cost us $200 in styling products in addition to the $400 in paint and $1900 in carpet. So a total of $2,500 for&hellip;<span class="activity-read-more" id="activity-read-more-223360"><a href="https://www.propertyinvesting.com/topic/4406293-diy-property-styling-made-us-20-25k/page/2/#post-4667313" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic DIY Property Styling made us $20-$25k! in the forum Great post xdrew. You've got</title>
				<link>https://www.propertyinvesting.com/topic/4406293-diy-property-styling-made-us-20-25k/page/2/#post-4667308</link>
				<pubDate>Tue, 15 May 2012 00:24:43 +0000</pubDate>

									<content:encoded><![CDATA[<p>Great post xdrew. You&#039;ve got a good thing going on there!</p>
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				<title>amyhunz replied to the topic DIY Property Styling made us $20-$25k! in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4406293-diy-property-styling-made-us-20-25k/#post-4667303</link>
				<pubDate>Mon, 16 Apr 2012 23:39:45 +0000</pubDate>

									<content:encoded><![CDATA[<p>Karen that&#039;s a great tip <img src="/wp-content/uploads/smileys/smile.gif?x75824" width="" height="" alt=":)" title=":)" class="bbcode_smiley" /> We got a broken, stainless steel fridge, only a few years old for free off Gumtree. We also got a broken, large plasma for $15 off Gumtree. Amazing what you find when you dig&#8230;</p>
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				<title>amyhunz replied to the topic DIY Property Styling made us $20-$25k! in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4406293-diy-property-styling-made-us-20-25k/#post-4667299</link>
				<pubDate>Sun, 15 Apr 2012 23:42:36 +0000</pubDate>

									<content:encoded><![CDATA[<p>Catalyst &#8211; the price comparison came from recent sales in our block/ immediate area (PriceFinder) &#8211; of units with similar specs (size, aspect etc).As the unit is still in the cooling off period I&#039;d prefer to retain privacy at this stage. As I said, I&#039;d be happy to email pics to individuals and I have. </p>
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				<title>amyhunz replied to the topic Where to put the profit? in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4406318-where-to-put-the-profit/#post-4667544</link>
				<pubDate>Sun, 15 Apr 2012 22:29:53 +0000</pubDate>

									<content:encoded><![CDATA[<p>My income is zero so worth considering if the rate is right.Thanks for your help.</p>
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				<title>amyhunz replied to the topic Where to put the profit? in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4406318-where-to-put-the-profit/#post-4667542</link>
				<pubDate>Sun, 15 Apr 2012 07:22:42 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Terry and Jamie,Thanks for your thoughts. Yes, both names on the title and I am currently one week off having our third child so, not working and haven&#039;t this FY.So I&#039;m thinking the offset option is going to make the most financial sense. It will mean IP#2 goes from neg to pos geared but that&#039;s not too bad given the profit will be&hellip;<span class="activity-read-more" id="activity-read-more-54516"><a href="https://www.propertyinvesting.com/topic/4406318-where-to-put-the-profit/#post-4667542" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic Where to put the profit? in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4406318-where-to-put-the-profit/#post-4667539</link>
				<pubDate>Sat, 14 Apr 2012 22:55:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>Actually i forgot to add the current balance of the offset to the profit. The offset balance would be approx $170k against the debt of $172k, meaning interest is only charged on $2k (??)</p>
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				<title>amyhunz replied to the topic Where to put the profit? in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4406318-where-to-put-the-profit/#post-4667538</link>
				<pubDate>Sat, 14 Apr 2012 22:54:38 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Terry,So my understanding if i put the profit in the offset would be that we would only pay interest on the difference ($172k-$145k=$27k). This is obviously alot less than the current monthly IO payment on $172k. Is this the best decision tax-wise when it comes to claiming the interest?Thanks!</p>
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				<title>amyhunz replied to the topic DIY Property Styling made us $20-$25k! in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4406293-diy-property-styling-made-us-20-25k/#post-4667288</link>
				<pubDate>Wed, 11 Apr 2012 11:55:43 +0000</pubDate>

									<content:encoded><![CDATA[<p>I should add, the above cost us approx $2,500 total. That includes $1900 in carpet, $400 in paint and only a minor outlay for display furniture as we will sell it all and acquire back at least 70% of our initial outlay (due to some serious bargain hunting on our part!). Some big ticket items (like the lounge, outdoor furniture set) we borrowed.</p>
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				<title>amyhunz replied to the topic What IR are you paying? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4405885-what-ir-are-you-paying/#post-4663930</link>
				<pubDate>Fri, 17 Feb 2012 10:43:00 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks Richard, yes sadly will go up 0.9%&#8230;and probably will continue the uphill trend for a while I&#039;m guessing! </p>
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				<title>amyhunz replied to the topic What IR are you paying? in the forum What are you suggesting then</title>
				<link>https://www.propertyinvesting.com/topic/4405885-what-ir-are-you-paying/#post-4663928</link>
				<pubDate>Fri, 17 Feb 2012 10:33:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>What are you suggesting then Jamie? So you&#039;re saying just have the offset against the PPOR paying P&amp;I and leave the IPs as IO loans?</p>
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				<title>amyhunz replied to the topic What IR are you paying? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4405885-what-ir-are-you-paying/#post-4663926</link>
				<pubDate>Fri, 17 Feb 2012 10:13:46 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks for that Jamie and Richard. Currently on 6.52% with a lend of $425k so would expect a rate around what Richard&#039;s quoting for a lend of $700k.Would you keep the structure the same? Currently both IPs are offset with IO. Would you do P&amp;I for the PPOR if we have no intention of converting it to an IP in the future? Cheers</p>
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				<title>amyhunz replied to the topic Investing in Bathurst NSW in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4403483-investing-in-bathurst-nsw/page/2/#post-4646832</link>
				<pubDate>Fri, 13 Jan 2012 02:19:45 +0000</pubDate>

									<content:encoded><![CDATA[<p>Busydude &#8211; congrats on your success in Blayney. Having lived there for over 3 years and seeing the significant increase in rents, we also considered Blayney as an investment option. However, for people reading this, I would be cautious in investing in Blayney in terms of long term capital growth. This is the primary reason we didn&#039;t invest. Yes,&hellip;<span class="activity-read-more" id="activity-read-more-247899"><a href="https://www.propertyinvesting.com/topic/4403483-investing-in-bathurst-nsw/page/2/#post-4646832" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic Accounting ques'n - IP return within tax refund in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4405163-accounting-quesn-ip-return-within-tax-refund/#post-4658729</link>
				<pubDate>Sat, 12 Nov 2011 21:03:52 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks Mike that&#039;s really clear and straight forward! Cheers</p>
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				<title>amyhunz replied to the topic Accounting ques'n - IP return within tax refund in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4405163-accounting-quesn-ip-return-within-tax-refund/#post-4658726</link>
				<pubDate>Fri, 11 Nov 2011 21:04:26 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks Terry that&#039;s helpful. I guess that&#039;s why I was trying to separate the IP portion within our tax return so not to skew or inflate the figures. But I think I need to be an accountant to get this completely accurate! Thanks again</p>
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				<title>amyhunz replied to the topic Accounting ques'n - IP return within tax refund in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4405163-accounting-quesn-ip-return-within-tax-refund/#post-4658724</link>
				<pubDate>Fri, 11 Nov 2011 09:33:12 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks for your help everyone. Very comprehensive Ferdinand. It seems there&#039;s no simple formula to figure this out. I was just interested to work out if our IP was positively geared after our tax refund.Cheers</p>
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				<title>amyhunz replied to the topic Accounting ques'n - IP return within tax refund in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4405163-accounting-quesn-ip-return-within-tax-refund/#post-4658721</link>
				<pubDate>Fri, 11 Nov 2011 04:07:12 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Terry,Well the loss figure is a result of knowing the income and expenses on the property. But obviously we don&#039;t get back in dollar figures the exact amount of the loss &#8211; so in our case $6.5k. It&#039;s an apportionment of the loss and i&#039;m trying to work out how accountants get to that figure. thanks</p>
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				<title>amyhunz replied to the topic Hiring furniture for a quick sale in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4404923-hiring-furniture-for-a-quick-sale/#post-4657126</link>
				<pubDate>Thu, 13 Oct 2011 21:37:01 +0000</pubDate>

									<content:encoded><![CDATA[<p>Sorry but we&#039;ve only ever bought properties, not sold. What I was asking was, does it cost to list a property if it doesn&#039;t result in a sale? Obviously is does&#8230;</p>
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				<title>amyhunz replied to the topic Hiring furniture for a quick sale in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4404923-hiring-furniture-for-a-quick-sale/#post-4657125</link>
				<pubDate>Thu, 13 Oct 2011 21:36:03 +0000</pubDate>

									<content:encoded><![CDATA[<p>Then I&#039;m not sure it is the right time for us&#8230;with all the moving costs, stress of re-locating, having a third child, it may be best for us to wait and give it our best shot in March when their contract is up.It also doesn&#039;t sit right to me to isolate the FHO target market by not presenting it well. I&#039;d rather present it well and cover both&hellip;<span class="activity-read-more" id="activity-read-more-34073"><a href="https://www.propertyinvesting.com/topic/4404923-hiring-furniture-for-a-quick-sale/#post-4657125" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic Hiring furniture for a quick sale in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4404923-hiring-furniture-for-a-quick-sale/#post-4657123</link>
				<pubDate>Thu, 13 Oct 2011 21:02:27 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks Matthew, this is all very helpful. I&#039;ve always thought our IP could be targeted at FHO or investors as it&#039;s in the right price bracket for both. So having said that, we could go ahead and try your suggestion of &#039;testing the market&#039; with the property in it&#039;s current state. Does this cost us money with the Agent?</p>
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				<title>amyhunz replied to the topic Hiring furniture for a quick sale in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4404923-hiring-furniture-for-a-quick-sale/#post-4657121</link>
				<pubDate>Tue, 11 Oct 2011 21:31:47 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks Jamie, that&#039;s the plan. Wait til their lease is up. In the meantime, we will be living very frugally! </p>
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				<title>amyhunz replied to the topic Hiring furniture for a quick sale in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4404923-hiring-furniture-for-a-quick-sale/#post-4657119</link>
				<pubDate>Tue, 11 Oct 2011 07:25:00 +0000</pubDate>

									<content:encoded><![CDATA[<p>Johann &#8211; how much value did you think the property styling added to the sale price? Hiring furniture doesn&#039;t seem to come cheaply&#8230;but if it&#039;s worth it in the end, then I guess we&#039;ll just suck it up.</p>
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				<title>amyhunz replied to the topic Hiring furniture for a quick sale in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4404923-hiring-furniture-for-a-quick-sale/#post-4657118</link>
				<pubDate>Tue, 11 Oct 2011 07:22:46 +0000</pubDate>

									<content:encoded><![CDATA[<p>Yeah probably won&#039;t use 2 Agents now that I think it through&#8230;it was only because the Agent we&#039;re possibly going through to purchase our PPOR was going to give us a sweet deal if we sold through them as well&#8230;but they&#039;re not located in the suburb of our IP so we thought we&#039;d need another one as a local option.</p>
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				<title>amyhunz replied to the topic Hiring furniture for a quick sale in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4404923-hiring-furniture-for-a-quick-sale/#post-4657116</link>
				<pubDate>Tue, 11 Oct 2011 04:06:10 +0000</pubDate>

									<content:encoded><![CDATA[<p>Yes Johann, we can&#039;t kick out tenants out to do the work (e.g. new carpet, paint) while they&#039;re in a fixed contract. We also wouldn&#039;t want them using the hired furniture. The idea being we wait &#039;til they&#039;re out of contract, spruce and dress it up and aim for a quick sale with 2 Agents on board. Hopefully the plan works!Thanks everyone for your&hellip;<span class="activity-read-more" id="activity-read-more-34064"><a href="https://www.propertyinvesting.com/topic/4404923-hiring-furniture-for-a-quick-sale/#post-4657116" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic Owners of IP properties in Orange NSW - looking for a good rental manager in the forum I spoke to a Rochelle from</title>
				<link>https://www.propertyinvesting.com/topic/4404224-owners-of-ip-properties-in-orange-nsw-looking-for-a-good-rental-manager/#post-4651815</link>
				<pubDate>Tue, 19 Jul 2011 03:01:18 +0000</pubDate>

									<content:encoded><![CDATA[<p>I spoke to a Rochelle from that office. She was great. I also have another referral from a family friend so will follow that Agent up and then decide. Thanks again</p>
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				<title>amyhunz replied to the topic Owners of IP properties in Orange NSW - looking for a good rental manager in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4404224-owners-of-ip-properties-in-orange-nsw-looking-for-a-good-rental-manager/#post-4651812</link>
				<pubDate>Mon, 18 Jul 2011 09:19:57 +0000</pubDate>

									<content:encoded><![CDATA[<p>I double checked my settings and i definitely do&#8230;? I will try you otherwise just post on here&#8230;</p>
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				<title>amyhunz replied to the topic Owners of IP properties in Orange NSW - looking for a good rental manager in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4404224-owners-of-ip-properties-in-orange-nsw-looking-for-a-good-rental-manager/#post-4651810</link>
				<pubDate>Mon, 18 Jul 2011 05:44:50 +0000</pubDate>

									<content:encoded><![CDATA[<p>Great thanks Jarad &#8211; I&#039;m waiting on a call from them. </p>
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				<title>amyhunz replied to the topic Owners of IP properties in Orange NSW - looking for a good rental manager in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4404224-owners-of-ip-properties-in-orange-nsw-looking-for-a-good-rental-manager/#post-4651808</link>
				<pubDate>Mon, 18 Jul 2011 05:14:20 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks Jarad&#8230;happy to chat to you about Orange. Don&#039;t know where you&#039;re from but I live in Blayney, 30 mins from Orange so feel like I know the area well. Thanks also for the referral. Can I ask how much commission you pay? None of the Agents seem willing to budge on their rates unless you own multiple properties.</p>
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				<title>amyhunz replied to the topic Negative gearing and Interest only loans questions??? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4403602-negative-gearing-and-interest-only-loans-questions/page/2/#post-4647501</link>
				<pubDate>Sat, 14 May 2011 01:37:30 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks Terry&#8230;very helpful. What if you had no intentions to expand your portfolio including buying a PPOR? In that situation, wouldn&#039;t it be better to start chipping away at the principle?I guess though, keeping them as IO loans provides greater flexibility if one wanted the option of buying/ investing more in the future. Flexibility is key!Cheers</p>
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				<title>amyhunz replied to the topic Negative gearing and Interest only loans questions??? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4403602-negative-gearing-and-interest-only-loans-questions/#post-4647499</link>
				<pubDate>Sat, 14 May 2011 01:19:05 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks Richard&#8230;that makes sense. I just don&#039;t see how the benefit of maximising interest deductions is better than paying off debt and potentially saving thousands in the long run&#8230;I do see how in the short-term how it provides a great spring-board for contributing to more property. I guess that&#039;s what most people on here are looking to&hellip;<span class="activity-read-more" id="activity-read-more-8821"><a href="https://www.propertyinvesting.com/topic/4403602-negative-gearing-and-interest-only-loans-questions/#post-4647499" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic Negative gearing and Interest only loans questions??? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4403602-negative-gearing-and-interest-only-loans-questions/#post-4647497</link>
				<pubDate>Sat, 14 May 2011 00:43:28 +0000</pubDate>

									<content:encoded><![CDATA[<p>I just don&#039;t see how paying off the principle and shaving years off the mortgage is bad? Regardless if a property is an investment or PPOR eventually the debt needs to be paid off and if the balance is significantly less because the principle has been paid off, then I would have thought this would out-weigh the short-term benefit of CF through IO&hellip;<span class="activity-read-more" id="activity-read-more-8819"><a href="https://www.propertyinvesting.com/topic/4403602-negative-gearing-and-interest-only-loans-questions/#post-4647497" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic Negative gearing and Interest only loans questions??? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4403602-negative-gearing-and-interest-only-loans-questions/#post-4647496</link>
				<pubDate>Sat, 14 May 2011 00:37:23 +0000</pubDate>

									<content:encoded><![CDATA[<p>Still working through the issue of IO vs P&amp;I. I understand the logic of paying off the principle for the purposes of a PPOR. However what if you don&#039;t have a PPOR, only investments? Wouldn&#039;t paying off the principle place you in an equally advantageous position in terms of future borrowings because you&#039;ve reduced your debt? I don&#039;t see how&hellip;<span class="activity-read-more" id="activity-read-more-8818"><a href="https://www.propertyinvesting.com/topic/4403602-negative-gearing-and-interest-only-loans-questions/#post-4647496" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic Investing in Bathurst NSW in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4403483-investing-in-bathurst-nsw/#post-4646825</link>
				<pubDate>Mon, 02 May 2011 03:20:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Kate, I&#039;ve had similar q&#039;s to yours if you search through my threads&#8230;I haven&#039;t found a good local accountant (I&#039;m sure they&#039;re out there)&#8230;currently testing a new one in Syd who&#039;s also a serious resi investor.Good luck! P.S. If you invest in Blayney/Millt I&#039;ve got half a dozen friends looking for rentals! Some have moved to Cowra just to get&hellip;<span class="activity-read-more" id="activity-read-more-19418"><a href="https://www.propertyinvesting.com/topic/4403483-investing-in-bathurst-nsw/#post-4646825" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic Investing in Bathurst NSW in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4403483-investing-in-bathurst-nsw/#post-4646823</link>
				<pubDate>Mon, 02 May 2011 00:26:16 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi everyone, thought I&#039;d add my comments. I live on the outskirts of Bathurst/ Orange and have just bought IP2 in Orange. Here&#039;s some things to consider about both suburbs.- Be careful about catering to the miners who are here for the construction phase of Cadia-East. It&#039;s got about 2 years left (construction phase) and Cadia has just had a&hellip;<span class="activity-read-more" id="activity-read-more-19414"><a href="https://www.propertyinvesting.com/topic/4403483-investing-in-bathurst-nsw/#post-4646823" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic DFT vs Individual...the same old dilemma in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4403386-dft-vs-individual-the-same-old-dilemma/#post-4646129</link>
				<pubDate>Wed, 20 Apr 2011 22:02:11 +0000</pubDate>

									<content:encoded><![CDATA[<p>OK thanks again.</p>
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				<title>amyhunz replied to the topic DFT vs Individual...the same old dilemma in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4403386-dft-vs-individual-the-same-old-dilemma/#post-4646127</link>
				<pubDate>Wed, 20 Apr 2011 11:50:00 +0000</pubDate>

									<content:encoded><![CDATA[<p>OK thanks everyone. My final question is more a clarification on trust losses.Say the trust had a cumulative loss of $10k over a number of years. The next year it makes a profit of $20k. The $10k loss is subtracted from the $20k, leaving a net profit of $10k, which is then distributed to the beneficiaries accordingly and taxed at their personal&hellip;<span class="activity-read-more" id="activity-read-more-89012"><a href="https://www.propertyinvesting.com/topic/4403386-dft-vs-individual-the-same-old-dilemma/#post-4646127" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic DFT vs Individual...the same old dilemma in the forum OK that makes sense, thanks</title>
				<link>https://www.propertyinvesting.com/topic/4403386-dft-vs-individual-the-same-old-dilemma/#post-4646125</link>
				<pubDate>Wed, 20 Apr 2011 00:42:13 +0000</pubDate>

									<content:encoded><![CDATA[<p>OK that makes sense, thanks Terry and Dan.So you can add beneficiaries without penalty down the track&#8230;? Or when it&#039;s initially set up have those family members nominated/ specified?Terry &#8211; &#039;long term benefits&#039;&#8230;you&#039;re alluding to the income and CGT benefits of trusts? Are there any benefits of trusts that I&#039;m not considering? I want to try and&hellip;<span class="activity-read-more" id="activity-read-more-75883"><a href="https://www.propertyinvesting.com/topic/4403386-dft-vs-individual-the-same-old-dilemma/#post-4646125" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic DFT vs Individual...the same old dilemma in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4403386-dft-vs-individual-the-same-old-dilemma/#post-4646122</link>
				<pubDate>Tue, 19 Apr 2011 05:32:45 +0000</pubDate>

									<content:encoded><![CDATA[<p>So a child who becomes an adult earning a high income, thereby becoming not very useful when it comes to minimising tax&#8230;I guess you just work the numbers and allocate them a small portion of the income&#8230;Thanks Dan</p>
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				<title>amyhunz replied to the topic DFT vs Individual...the same old dilemma in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4403386-dft-vs-individual-the-same-old-dilemma/#post-4646120</link>
				<pubDate>Tue, 19 Apr 2011 04:16:57 +0000</pubDate>

									<content:encoded><![CDATA[<p>Ok that&#039;s great Dan, thanks. Yes, it seems we will have wins and losses no matter what path we take.Can I clarify, when your children are of an age to be earning a decent wage and no longer great for dividing income amongst, is it easy to change the beneficiaries around? Or what would you do?Also, are losses treated the same whether the trust is&hellip;<span class="activity-read-more" id="activity-read-more-89008"><a href="https://www.propertyinvesting.com/topic/4403386-dft-vs-individual-the-same-old-dilemma/#post-4646120" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic Advice in the Bathurst/ Orange area in the forum Great thanks Richard - will</title>
				<link>https://www.propertyinvesting.com/topic/4403264-advice-in-the-bathurst-orange-area/page/2/#post-4645306</link>
				<pubDate>Thu, 07 Apr 2011 04:47:48 +0000</pubDate>

									<content:encoded><![CDATA[<p>Great thanks Richard &#8211; will do! Thanks for all the feedback everyone&#8230;I guess I can talk to you about this separately but I&#039;ve been reading up on DFT. I&#039;m not sure that it&#039;s for us based on this:* IP2 will be neg geared for at least 2, maybe more years. Hard to say really when a lot of the figures at this stage are estimates. * If there are&hellip;<span class="activity-read-more" id="activity-read-more-75754"><a href="https://www.propertyinvesting.com/topic/4403264-advice-in-the-bathurst-orange-area/page/2/#post-4645306" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic Advice in the Bathurst/ Orange area in the forum Maybe that explains why my</title>
				<link>https://www.propertyinvesting.com/topic/4403264-advice-in-the-bathurst-orange-area/#post-4645304</link>
				<pubDate>Wed, 06 Apr 2011 23:35:22 +0000</pubDate>

									<content:encoded><![CDATA[<p>Maybe that explains why my local broker hasn&#039;t returned my email???!!! If you have any room, you can take on mine as well <img src="/wp-content/uploads/smileys/icon_smile_big.gif?x75824" alt="" /></p>
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				<title>amyhunz replied to the topic Advice in the Bathurst/ Orange area in the forum Thanks again Michael! I'm</title>
				<link>https://www.propertyinvesting.com/topic/4403264-advice-in-the-bathurst-orange-area/#post-4645302</link>
				<pubDate>Wed, 06 Apr 2011 23:26:30 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks again Michael! I&#039;m gaining the confidence to negotiate on EVERYTHING with the lender <img src="/wp-content/uploads/smileys/icon_smile_big.gif?x75824" alt="" /></p>
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				<title>amyhunz replied to the topic Advice in the Bathurst/ Orange area in the forum Sorry i thought Richard was</title>
				<link>https://www.propertyinvesting.com/topic/4403264-advice-in-the-bathurst-orange-area/#post-4645300</link>
				<pubDate>Tue, 05 Apr 2011 05:11:30 +0000</pubDate>

									<content:encoded><![CDATA[<p>Sorry i thought Richard was a planner, not a broker but indeed he is! OK. Well in that case, another lender for IP2 is a strong option. Just to clarify, do most lenders require 80% LVR to avoid LMI but a higher LVR to determine the amount they&#039;re willing to lend you? (i.e. some lenders have 95% or more LVR). I&#039;m just trying to work out if we&#039;d&hellip;<span class="activity-read-more" id="activity-read-more-218313"><a href="https://www.propertyinvesting.com/topic/4403264-advice-in-the-bathurst-orange-area/#post-4645300" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic Advice in the Bathurst/ Orange area in the forum All great advice...many</title>
				<link>https://www.propertyinvesting.com/topic/4403264-advice-in-the-bathurst-orange-area/#post-4645298</link>
				<pubDate>Tue, 05 Apr 2011 04:29:46 +0000</pubDate>

									<content:encoded><![CDATA[<p>All great advice&#8230;many thanks. Problem is with most of your suggestions I&#039;m still not understanding the method behind the structure. This is your field of expertise but I&#039;m being left behind. This is what ppl pay you to explain and rightly so <img src="/wp-content/uploads/smileys/icon_smile.gif?x75824" alt="" /> I guess this is why I&#039;m looking for someone to meet with face-to-face so they can break it down for&hellip;<span class="activity-read-more" id="activity-read-more-92176"><a href="https://www.propertyinvesting.com/topic/4403264-advice-in-the-bathurst-orange-area/#post-4645298" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic Advice in the Bathurst/ Orange area in the forum OK now i'm getting confused!</title>
				<link>https://www.propertyinvesting.com/topic/4403264-advice-in-the-bathurst-orange-area/#post-4645296</link>
				<pubDate>Mon, 04 Apr 2011 13:50:45 +0000</pubDate>

									<content:encoded><![CDATA[<p>OK now i&#039;m getting confused! <img src="/wp-content/uploads/smileys/huh2.gif?x75824" alt="" />Firstly, I know little about trust structures but thought that they lost most of their residential investor benefits a few years back&#8230;I&#039;d need to read up on this.Secondly, the point about title deeds is another area of questioning I have. * IP1 is in both names due to originally being our PPOR however has not&hellip;<span class="activity-read-more" id="activity-read-more-79527"><a href="https://www.propertyinvesting.com/topic/4403264-advice-in-the-bathurst-orange-area/#post-4645296" rel="nofollow">[Read more]</a></span></p>
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				<title>amyhunz replied to the topic Advice in the Bathurst/ Orange area in the forum Forgot to add that strategy</title>
				<link>https://www.propertyinvesting.com/topic/4403264-advice-in-the-bathurst-orange-area/#post-4645293</link>
				<pubDate>Mon, 04 Apr 2011 12:09:42 +0000</pubDate>

									<content:encoded><![CDATA[<p>Forgot to add that strategy is buy, Reno and hold. Tax bracket is currently 38c.</p>
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