hmm this sounds too much trouble with little benfits. Hmm, i htink i can spend my time doing much more(like educating myself in another way).

You got a laugh out of my ‘Richard kiyosaki’ .

Hm, well today she got a call to start early for work, and coz its a sunday its extra pay(time and a half), but she said she doesn’t care about money.
I am just waiting for the sentence “money doesn’t buy you happiness”. Hmm, my reply to this is something like this, “so you would rather have little…[Read more]

I get it now. But i dont get why you said that you pay interest on your CC from day one, there is a 55-no interest free thingy.
Also with that offset account, that is used to help calculate the loan, what if you fill that with money from the CC’s(with free days in em), and that will like lower your repayments.
Is this right??, or should i just do…[Read more]

Thanks everyone.
Originally posted by DLPP:

What you don’t want to do is become like a religious zealout and try and “convert” her with books etc. (altough all the books mentioned in this thread are great reads) If you have a real passion and it is part of your life then seeing you “doing” it and enjoying it will hopefully be contagious.

I don’t…[Read more]

Oh woops. oh well doesnt matter, just a misunderstanding.

lol, it would be funny if i didnt know an i was in uni though.

Thanks queengucci. Yes i must do all of this gently. Hmm, i will give her rich dad poor dad to read. That was my first book that i read this month(like financial kind of books).

Yes, Thats right I am trying to set us up for life, so we can enjoy it without having to be at work all the friggin time.

Also these days both parents have to work. I…[Read more]

Thank you alot for your quick and helpful reply Tizzy. Um, Well I am planning to buy my first IP when im 22. And she is saying that she wants to get married at 25 at the latest. So if all goes to plan, I can buy the IP at 22, then get married at 25, use the equity in my IP to get a deposit for my PPOR. Your very right with that statement you made…[Read more]

No, no no no Amy I dont go to uni, I am only in year 12. hmm, I don’t thin this fee paying stuff is good at all.
Ok, so say i have a 19k bill iwth full fee, but with hecs thats like 6500, then I pay upfront and thats about 5k. So If i put away 100 bucks a week during my uni, I should be able to get rid of the uni fees easily and before I finish.…[Read more]

No capital growth in 8 years. LOL, thats insane. I say that you stay away from it.

This is rubbish. A full fee place is always at least 3 times the amount of a HECS place.

Are you 100% sure on this. If this is true thats crazy.
So a fee place in commerce at sydney would be 3 years at around 19k, whereas in the HECS one its like just over 6k each year.

Hmm, um this 20% discount that you get for paying upfront. Does this come…[Read more]

DO, DO, DO! This may not mean actually buying homes but get out there away from the PC and meet people.

What people do you suggest I meet with to build my knowledge??

Remember, the only silly question is the one not asked.

Thats my attitude to anything. If I don’t know I ask, its the only way.

Thanks Josh that deserves a round of applause. Great stuff. So much more understanding has now come to me, thank you.

Christopher.

Yes Kiwi tell us about yourself. We need to get to know everyone here, it will help us to help you. Everyone wins:).

Christopher.

Make sure you get an independent valuation, and a building check(i dont know what they are called, dam!). That would save having to go to the actual house as the valuer can tell you alot.

Also make sure you use a independent valuer and if you use one that is assigned from the bank you are recieving finance from they can sometimes be…[Read more]

Well personally I am planning to never sell, just buy, buy, buy.
And reap the rewards. Refinance is the word:).

Hmm, to be able to get the finance needed for this loan i would need this $8,000, so if I get HECS on my uni fees and not upfront(20%off), then I should be able to save quicker, as at the end of the year I am going to look for a more…[Read more]

Ah nice, discounts i like it.
Hmm, the rebate agreement, ah can you please post one to me, so i can fully grasp this idea.
It will show me what sort of investing forms need to be filled out aswell.

Thanks everyone. When I join any forum on the internet, only like one or two people are willing(or want) to help me. But on here everyone is giving advice and helping me out.

From my impressions so far property investors are very nice people.

Tony, correct me if i’m wrong. Your saying that I invest $8,000. Which means my savings towards buying a…[Read more]

Thanks everyone for your responses.
Um, im 17, ill be 18 on the 30th, yippie only a week away.
Um, that 250,000 is price then, but now im thinking i should be going for 300,000. Um, that 100 is after i take out the rent and the tax deductions. Um, appreciation, i think ill let it go 3-5 years. That should be a pretty safe tiem frame(i know, i…[Read more]

37 Views, and not even one person willing to give any advice at all.
Doesn’t even need to be advice, just says something(thats appropriate)..

Thanks Milly. Ok, all things that can help bring my rent up, and also some of those things may not even add to the value of the property when i buy.Though ill charge extra rent.

Hmm, with location. I think ill give that website a go, and check around. I want it to be very close to me, but also in a nice place.