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	<title>PropertyInvesting.com | FinSpec | Activity</title>
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				<title>FinSpec replied to the topic Any good buyer agents/ organisations for 1st time IP buyers? in the forum Where are you located?</title>
				<link>https://www.propertyinvesting.com/topic/4402259-any-good-buyer-agents-organisations-for-1st-time-ip-buyers/#post-4638567</link>
				<pubDate>Fri, 25 Feb 2011 23:59:01 +0000</pubDate>

									<content:encoded><![CDATA[<p>Where are you located?</p>
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				<title>FinSpec replied to the topic If you could buy your first investment property again... in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4402294-if-you-could-buy-your-first-investment-property-again/#post-4638757</link>
				<pubDate>Fri, 25 Feb 2011 23:58:03 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi DSH&#8230; I think just about everyone would do something a little bit different &#8211; I purchased a unit as my first property and would have preferred to buy a house (but we&#8217;re all richer in hindsight aren&#8217;t we!)&#8230; generally speaking, I&#8217;ve found that when push comes to shove, you have to do something &#8211; but keep your head about you.</p>
<p>You&#8217;ve raised&hellip;<span class="activity-read-more" id="activity-read-more-262861"><a href="https://www.propertyinvesting.com/topic/4402294-if-you-could-buy-your-first-investment-property-again/#post-4638757" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Sydney's best Buyers Agent who can help with PPOR purchase in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4402424-sydneys-best-buyers-agent-who-can-help-with-ppor-purchase/#post-4639470</link>
				<pubDate>Fri, 25 Feb 2011 23:49:44 +0000</pubDate>

									<content:encoded><![CDATA[<p>Im not sure if he or his staff cover the area, but you could try getting hold of Rich Harvey from Property Buyers and see if they do &#8211; I&#8217;ve worked with them and found them reliable.</p>
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				<title>FinSpec replied to the topic Learing the ropes in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4402895-learing-the-ropes/#post-4642733</link>
				<pubDate>Fri, 25 Feb 2011 23:45:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>There used to be a loophole that allowed you to buy an investment property and still claim the FHOG.  This was because the FHOG used to state that you have not owned a PPOR before, rather than any property.  This was changed a couple of years ago &#8211; I&#8217;ve included the major criteria below for your reference.</p>
<p>FHOGS is available to people buying or&hellip;<span class="activity-read-more" id="activity-read-more-44857"><a href="https://www.propertyinvesting.com/topic/4402895-learing-the-ropes/#post-4642733" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Buying an apartment from our daughter into our SMSF in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4402102-buying-an-apartment-from-our-daughter-into-our-smsf/#post-4637576</link>
				<pubDate>Fri, 10 Dec 2010 07:18:16 +0000</pubDate>

									<content:encoded><![CDATA[<p>This is a related party transaction.  A related party includes any member, a relative of any member, a relative of the spouse of any member, and an entity (such as a company or trust) controlled by one or more of the above individuals.The definition of relative includes a parent, grandparent, brother, sister, uncle, aunt, nephew, niece, lineal&hellip;<span class="activity-read-more" id="activity-read-more-223290"><a href="https://www.propertyinvesting.com/topic/4402102-buying-an-apartment-from-our-daughter-into-our-smsf/#post-4637576" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Global House Price Crash article on Associated Press in the forum Indeed, interesting</title>
				<link>https://www.propertyinvesting.com/topic/4402137-global-house-price-crash-article-on-associated-press/#post-4637778</link>
				<pubDate>Fri, 10 Dec 2010 07:06:56 +0000</pubDate>

									<content:encoded><![CDATA[<p>Indeed, interesting reading.  Only really skims the surface however.  There are so many different factors that lead to a country&#039;s general housing price trends that it&#039;s near impossible to generalise.</p>
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				<title>FinSpec replied to the topic buying things of ebay? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4402150-buying-things-of-ebay/#post-4637879</link>
				<pubDate>Fri, 10 Dec 2010 07:04:13 +0000</pubDate>

									<content:encoded><![CDATA[<p>If you&#039;re improving the property with capital improvements, then yes &#8211; you should be able to claim the items that you purchased as deductible.  Keep evidence of your purchase and give these to the qantity surveyor to include when they prepare the depreciation schedule.</p>
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				<title>FinSpec replied to the topic How to change Strata Management?  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4402154-how-to-change-strata-management/#post-4637928</link>
				<pubDate>Fri, 10 Dec 2010 07:02:16 +0000</pubDate>

									<content:encoded><![CDATA[<p>You may find it easier to go to the strata company that you would prefer to use and ask them to talk you through the process.  They should know the law and the processes back to front, and if they want the business, they will hold your hand through the whole process.Other than that, you need to find out the rules around your strata plan on how to&hellip;<span class="activity-read-more" id="activity-read-more-3337"><a href="https://www.propertyinvesting.com/topic/4402154-how-to-change-strata-management/#post-4637928" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic MyUSAProperty - Beware !!! in the forum Overseas Deals</title>
				<link>https://www.propertyinvesting.com/topic/4401605-myusaproperty-beware/#post-4634563</link>
				<pubDate>Fri, 05 Nov 2010 07:03:02 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hey everyone&#8230;As a financial planner, I get asked a lot of questions about various investments and buying property in America is a topic that I have been asked sufficient times for me to do something about.  So, I&#039;ve spent the past few months researching and finding more about it &#8211; I&#039;ve come across the guys at My USA Property, and while I have&hellip;<span class="activity-read-more" id="activity-read-more-36468"><a href="https://www.propertyinvesting.com/topic/4401605-myusaproperty-beware/#post-4634563" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic The big one that got away in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4401242-the-big-one-that-got-away/#post-4632103</link>
				<pubDate>Tue, 05 Oct 2010 07:04:52 +0000</pubDate>

									<content:encoded><![CDATA[<p>Ah, the ones that got away&#8230;I&#039;ve advised plenty of people over the years, and I&#039;ve seen plenty of good deals get away, but two come to mind:1. I recommended a property I found to a client just outside of Manly, Sydney NSW.  The property was a 3br unit, on a hill with views over the surrounding areas.  The asking price was circa $260k.  The cl&hellip;<span class="activity-read-more" id="activity-read-more-185250"><a href="https://www.propertyinvesting.com/topic/4401242-the-big-one-that-got-away/#post-4632103" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Is this PPOR? OR IP?  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401396-is-this-ppor-or-ip/#post-4633413</link>
				<pubDate>Tue, 05 Oct 2010 06:09:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>You can nominate one property as your PPOR for a period of up to 6 years after you move out, even if you are renting it out.  You can not, however, have more than one PPOR at at time.  The ATO has some very solid material on this on their web site.  So, you can claim either A or B as your PPOR, but not both at the same time.  So, A would have bee&hellip;<span class="activity-read-more" id="activity-read-more-145736"><a href="https://www.propertyinvesting.com/topic/4401396-is-this-ppor-or-ip/#post-4633413" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Contract delay question in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401395-contract-delay-question/#post-4633410</link>
				<pubDate>Tue, 05 Oct 2010 06:04:24 +0000</pubDate>

									<content:encoded><![CDATA[<p>Much comes down to how the contract is written.  However generally speaking, special conditions are part of the actual contract, so once they sign it, it&#039;s all in.  However, if the special conditions are separate or require specific signing and it has not been signed, there is potentially scope for the contract itself to be binding, but the s&hellip;<span class="activity-read-more" id="activity-read-more-129114"><a href="https://www.propertyinvesting.com/topic/4401395-contract-delay-question/#post-4633410" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Terminating a rental property management contract in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401392-terminating-a-rental-property-management-contract/#post-4633401</link>
				<pubDate>Mon, 04 Oct 2010 09:22:06 +0000</pubDate>

									<content:encoded><![CDATA[<p>You are within your rights to withdraw the property off the market and move into yourselves &#8211; providing I have understood what you have written there.  </p>
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				<title>FinSpec replied to the topic Is this a serviced apartment? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401245-is-this-a-serviced-apartment/#post-4632112</link>
				<pubDate>Tue, 21 Sep 2010 00:09:57 +0000</pubDate>

									<content:encoded><![CDATA[<p>No, they are not your normal services apartments &#8211; they are closer to the holiday rental apartments that you find in SE-Qld.  Typcially, banks and valuers take a much better view of these as they are pretty much &quot;normal&quot; apartments &#8211; however freerenterprise is correct, a valuer might very likely take the value of the furniture package off the&hellip;<span class="activity-read-more" id="activity-read-more-286405"><a href="https://www.propertyinvesting.com/topic/4401245-is-this-a-serviced-apartment/#post-4632112" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Off the plan or Hurstville properties in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401261-off-the-plan-or-hurstville-properties/#post-4632237</link>
				<pubDate>Tue, 21 Sep 2010 00:03:51 +0000</pubDate>

									<content:encoded><![CDATA[<p>Congrats on your first post!I don&#039;t personally know the Hurstville area sufficiently enough to give you a yes or no on the property that you are looking but just a few ideas to consider:1. you can buy either side of the median price in an area and still get excellent growth.  The median is just that, the middle &#8211; it does not mean it&#039;s what gets&hellip;<span class="activity-read-more" id="activity-read-more-25285"><a href="https://www.propertyinvesting.com/topic/4401261-off-the-plan-or-hurstville-properties/#post-4632237" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Negotiating a 5% deposit before going to auction in the forum I've always found that being</title>
				<link>https://www.propertyinvesting.com/topic/4399916-negotiating-a-5-deposit-before-going-to-auction/#post-4624430</link>
				<pubDate>Mon, 17 May 2010 13:32:07 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#039;ve always found that being straight up with agents works.  I&#039;ve often negotiated set deposit amounts prior to auctions (ie, say $30,000 exactly, regardless of price) and asked for them to seek approval from the vendor.  It&#039;s good that you&#039;re aware of the issue re bidding too high for your loan approval &#8211; the easiest way to get around this is g&hellip;<span class="activity-read-more" id="activity-read-more-182991"><a href="https://www.propertyinvesting.com/topic/4399916-negotiating-a-5-deposit-before-going-to-auction/#post-4624430" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Rules in relation to SMSF when purchasing property in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4399113-rules-in-relation-to-smsf-when-purchasing-property/#post-4619313</link>
				<pubDate>Mon, 22 Mar 2010 06:49:53 +0000</pubDate>

									<content:encoded><![CDATA[<p>Nothing wrong with wanting your cake and eating it too <img src="/wp-content/uploads/smileys/grin.gif?x75824" alt="" /></p>
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				<title>FinSpec replied to the topic 95% LVR in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4399192-95-lvr/#post-4619818</link>
				<pubDate>Mon, 22 Mar 2010 06:47:28 +0000</pubDate>

									<content:encoded><![CDATA[<p>They seemed to go quiet for a while &#8211; I don&#039;t come across too many borrowers that fit that category.</p>
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				<title>FinSpec replied to the topic Newbie to the world of property investing - Looking for seminars to learn the ropes. in the forum Quite seriously, invest an</title>
				<link>https://www.propertyinvesting.com/topic/4399217-newbie-to-the-world-of-property-investing-looking-for-seminars-to-learn-the-ropes/#post-4619983</link>
				<pubDate>Mon, 22 Mar 2010 06:46:26 +0000</pubDate>

									<content:encoded><![CDATA[<p>Quite seriously, invest an hour or two per day just reading people&#039;s various experiences in here, and start asking questions as you start to develop your understanding of things.  </p>
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				<title>FinSpec replied to the topic INFORMAL DISCUSSION GROUP IN SYDNEY in the forum Heads Up!</title>
				<link>https://www.propertyinvesting.com/topic/4399232-informal-discussion-group-in-sydney/#post-4620041</link>
				<pubDate>Mon, 22 Mar 2010 06:44:12 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#039;d love to hear of anything that&#039;s going on around Sydney &#8211; if not, maybe we could host something?</p>
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				<title>FinSpec replied to the topic Structural engineering quote in the forum That seems pretty</title>
				<link>https://www.propertyinvesting.com/topic/4399158-structural-engineering-quote/#post-4619531</link>
				<pubDate>Mon, 22 Mar 2010 06:38:58 +0000</pubDate>

									<content:encoded><![CDATA[<p>That seems pretty reasonable, there is a bit of time in measuring, calculating, drawing and writing up what you need, so for the work that goes into it, it seems like a reasonable cost.</p>
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				<title>FinSpec replied to the topic 95% LVR in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4399192-95-lvr/#post-4619816</link>
				<pubDate>Mon, 22 Mar 2010 04:44:49 +0000</pubDate>

									<content:encoded><![CDATA[<p>Just had an update from one of our lenders:&quot;It&#039;s back &#8211; 95% LVR&#039;s with NO genuine savings!&quot;It was only a matter of time.</p>
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				<title>FinSpec replied to the topic residential construction loan? in the forum If you have a fixed price</title>
				<link>https://www.propertyinvesting.com/topic/4399218-residential-construction-loan/#post-4619989</link>
				<pubDate>Mon, 22 Mar 2010 04:43:10 +0000</pubDate>

									<content:encoded><![CDATA[<p>If you have a fixed price contract, and depending on current valuation, how much you owe etc, it&#039;s possible that the bank will give you either all the money, or a percentage of the funds required to build, and complete the home.  If you have sufficient equity, often a bank will use that to fund the contructions.  Eg:Current valuation, $400,000, l&hellip;<span class="activity-read-more" id="activity-read-more-286248"><a href="https://www.propertyinvesting.com/topic/4399218-residential-construction-loan/#post-4619989" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Australian Credit Licence in the forum Creative Investing</title>
				<link>https://www.propertyinvesting.com/topic/4399215-australian-credit-licence/#post-4619966</link>
				<pubDate>Mon, 22 Mar 2010 04:05:34 +0000</pubDate>

									<content:encoded><![CDATA[<p>As a side note, it is also expected that the business and investment purpose declaration is gonig to change in the near future in order to bring most consumer lending under control &#8211; business and commercial lending is slotted to be reviewed thereafter.</p>
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				<title>FinSpec replied to the topic Hi All in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4399067-hi-all-2/#post-4619020</link>
				<pubDate>Fri, 19 Mar 2010 13:04:41 +0000</pubDate>

									<content:encoded><![CDATA[<p>Best of luck for the future !!Happy reading <img src="/wp-content/uploads/smileys/2thumbsup.gif?x75824" alt="" /></p>
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				<guid isPermaLink="false">2c8d56e1f1982af1decf6729aec0653b</guid>
				<title>FinSpec replied to the topic Residential Property in Self-Managed Superannuation Fund in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4390340-residential-property-in-self-managed-superannuation-fund/page/2/#post-4571426</link>
				<pubDate>Fri, 19 Mar 2010 13:01:39 +0000</pubDate>

									<content:encoded><![CDATA[<p>Richard is spot on &#8211; there is no possible way to buy your own PPOR with your super fund.  In fact, you can&#039;t buy any property off yourself.  If you find someone that says they have a way, run, run a long way away.  </p>
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				<title>FinSpec replied to the topic Timber floor or carpet in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4399112-timber-floor-or-carpet/#post-4619305</link>
				<pubDate>Fri, 19 Mar 2010 12:48:52 +0000</pubDate>

									<content:encoded><![CDATA[<p>I think speaking to your PM is a good idea, maybe get a few opinions.  We always design and build based on the demographics of the area rather than specific rules.</p>
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				<title>FinSpec replied to the topic Investar in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4399187-investar/#post-4619764</link>
				<pubDate>Fri, 19 Mar 2010 12:39:11 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#039;ve only used it on Demo, but I&#039;ve heard good things about it.  Just like any tool, it comes down to how well you use it, how often and understanding what it can and can&#039;t do for you.</p>
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				<title>FinSpec replied to the topic Anyone know a Good Property Investing Account and Property Lawyer in Sydney?? in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4399041-anyone-know-a-good-property-investing-account-and-property-lawyer-in-sydney/#post-4618832</link>
				<pubDate>Fri, 19 Mar 2010 12:34:35 +0000</pubDate>

									<content:encoded><![CDATA[<p>I would suggest Shukri at Property Tax Specialists (<a href="http://www.propertytaxspecialists.com.au/" rel="nofollow">http://www.propertytaxspecialists.com.au</a>).  He&#039;s in Chatswood, and as the name suggests, he knows a lot about property tax as well as asset protection.</p>
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				<title>FinSpec replied to the topic structure set up advice request  in the forum I'm based in Sydney, but our</title>
				<link>https://www.propertyinvesting.com/topic/4399164-structure-set-up-advice-request/#post-4619652</link>
				<pubDate>Fri, 19 Mar 2010 12:29:00 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#039;m based in Sydney, but our firm has Brisbane clients that are really happy with Tony Lee &amp; Associates.  They have a couple of offices, and know a LOT about property and asset protection.  Google them.</p>
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				<title>FinSpec replied to the topic Accounting / Finance Question - allocation of funds upon sale of investment??????? in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4399204-accounting-finance-question-allocation-of-funds-upon-sale-of-investment/#post-4619886</link>
				<pubDate>Fri, 19 Mar 2010 12:26:12 +0000</pubDate>

									<content:encoded><![CDATA[<p>While the answer is a little more in length and I suggest you take the time to sit down with someone on the matter, the ATO typically holds that funds that are used for a particular purpose, without thought of where the funds actually came from, are linked.  Ie, if you borrow money to buy an asset, then those borrowings are linked to that&hellip;<span class="activity-read-more" id="activity-read-more-193244"><a href="https://www.propertyinvesting.com/topic/4399204-accounting-finance-question-allocation-of-funds-upon-sale-of-investment/#post-4619886" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Dilly of a pickle! in the forum That is quite the pickle -</title>
				<link>https://www.propertyinvesting.com/topic/4399208-dilly-of-a-pickle/#post-4619897</link>
				<pubDate>Fri, 19 Mar 2010 04:10:50 +0000</pubDate>

									<content:encoded><![CDATA[<p>That is quite the pickle &#8211; life is made up of a balance of enjoying yourself, and working hard.  For some people, it&#039;s all about the money, while for others the money means much less to them.What I usually do is analyse the situation and do a case study.  Try and be as realistic as possible, and work out what is the profit of moving.  Think ab&hellip;<span class="activity-read-more" id="activity-read-more-119558"><a href="https://www.propertyinvesting.com/topic/4399208-dilly-of-a-pickle/#post-4619897" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Would you rent and have an investment property? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4398220-would-you-rent-and-have-an-investment-property/#post-4613771</link>
				<pubDate>Wed, 13 Jan 2010 03:10:59 +0000</pubDate>

									<content:encoded><![CDATA[<p>Definately &#8211; again, if you&#039;ve got a good plan and stick to it <img src="/wp-content/uploads/smileys/smile.gif?x75824" width="" height="" alt=":)" title=":)" class="bbcode_smiley" /></p>
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				<title>FinSpec replied to the topic Tips on buying off-the-plan? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4398330-tips-on-buying-off-the-plan/#post-4614529</link>
				<pubDate>Wed, 13 Jan 2010 03:09:56 +0000</pubDate>

									<content:encoded><![CDATA[<p>The first thing I usually look at with off the plan purchases are comparable sales in the area.  Also, I look at units that are up to 5 years old just to see what people are really willing to pay on the open market, not just off the plan.  If you can find a 2br unit that has a similar aspect etc, and the price is the same, then it&#039;s a great s&hellip;<span class="activity-read-more" id="activity-read-more-207539"><a href="https://www.propertyinvesting.com/topic/4398330-tips-on-buying-off-the-plan/#post-4614529" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic where from here? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4398347-where-from-here/#post-4614631</link>
				<pubDate>Wed, 13 Jan 2010 03:03:20 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Kim,It can be a scary moment taking the investment plunge, however as you have read it can be a very worthwhile exercise.  There are a lot of things to take into consideration, however a very important one is time frame.  Property is a long term investment, so providing you are able and willing to hold onto an investment for an extended p&hellip;<span class="activity-read-more" id="activity-read-more-215845"><a href="https://www.propertyinvesting.com/topic/4398347-where-from-here/#post-4614631" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Co-ownership in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4398349-co-ownership-2/#post-4614645</link>
				<pubDate>Wed, 13 Jan 2010 02:58:02 +0000</pubDate>

									<content:encoded><![CDATA[<p>Your brother would have to come up with the cash to buy your half somehow &#8211; usually this will come from the bank.  It is really just him buying another half of the property, so it can be very straight forward providing the bank approves it.  He will have to have sufficient equity so that the total debt on the property is within the banks g&hellip;<span class="activity-read-more" id="activity-read-more-94095"><a href="https://www.propertyinvesting.com/topic/4398349-co-ownership-2/#post-4614645" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic quick question interest rates in the forum There are numerous resourses</title>
				<link>https://www.propertyinvesting.com/topic/4398350-quick-question-interest-rates/#post-4614663</link>
				<pubDate>Wed, 13 Jan 2010 02:50:28 +0000</pubDate>

									<content:encoded><![CDATA[<p>There are numerous resourses on the net that you can use, smh, news &amp; infochoice are just three that come to mind.  Technically, a good broker should be keeping you up to date, so you can always try and find one of those as well.</p>
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				<title>FinSpec replied to the topic invest or offset? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4398345-invest-or-offset/#post-4614619</link>
				<pubDate>Wed, 13 Jan 2010 02:47:49 +0000</pubDate>

									<content:encoded><![CDATA[<p>Definately the offset account.  An expression I use often is:Penny saved is a penny made &#8211; and often tax free!You would have to earn a higher amount of money (and therefore take risk) then pay tax on that money to make the same as what you would save with the funds in the offset account.  Word of warning however, ensure that you put extra money s&hellip;<span class="activity-read-more" id="activity-read-more-215764"><a href="https://www.propertyinvesting.com/topic/4398345-invest-or-offset/#post-4614619" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Investment Property Software in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4397806-investment-property-software/#post-4611464</link>
				<pubDate>Tue, 17 Nov 2009 05:04:20 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#039;m with Andy, Excel.  However I do have quite a few clients that use either Quicken or MYOB personal accounting packages &#8211; and MS Money every now and then.</p>
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				<title>FinSpec replied to the topic Buyers Agents-- Your honest opinion.  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4397791-buyers-agents-your-honest-opinion/#post-4611412</link>
				<pubDate>Fri, 13 Nov 2009 01:44:07 +0000</pubDate>

									<content:encoded><![CDATA[<p>Just like every profession, you&#039;re going to have your good and bad.  I think that I know who you&#039;re talking about on the internet as well.Good buyers agents can get you access to things you wish you had access to &#8211; and they can offer exceptional value for money when you consider what you&#039;re getting.  However, there are also plent of guys running a&hellip;<span class="activity-read-more" id="activity-read-more-262426"><a href="https://www.propertyinvesting.com/topic/4397791-buyers-agents-your-honest-opinion/#post-4611412" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Good Property Mentor / Advisor in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4397795-good-property-mentor-advisor/#post-4611429</link>
				<pubDate>Fri, 13 Nov 2009 01:40:00 +0000</pubDate>

									<content:encoded><![CDATA[<p>A lot will depend on where you are located.  It sounds like something that I&#039;ve done to help a lot of new investors out, and it can be invaluable to have an experienced person by your side.  If you let me know what town / state you&#039;re in, I&#039;ll PM you some contacts that might be able to help.  And I&#039;m sure that everyone else in here is going to ha&hellip;<span class="activity-read-more" id="activity-read-more-254109"><a href="https://www.propertyinvesting.com/topic/4397795-good-property-mentor-advisor/#post-4611429" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic putting an offer to buy in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4397796-putting-an-offer-to-buy/#post-4611433</link>
				<pubDate>Fri, 13 Nov 2009 01:37:11 +0000</pubDate>

									<content:encoded><![CDATA[<p>It really depends on which state you&#039;re in, and also which agent you are using.  I buy a lot in NSW, and I always get my solicitor to handle the contract because he knows how I like them done.  It&#039;s just a matter of finding the common ground that everyone is happy with.  However, in NSW, typically we get to haggle over the contracts prior to si&hellip;<span class="activity-read-more" id="activity-read-more-46267"><a href="https://www.propertyinvesting.com/topic/4397796-putting-an-offer-to-buy/#post-4611433" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Tenant / Landlord Issue in the forum Where abouts are you located?</title>
				<link>https://www.propertyinvesting.com/topic/4397567-tenant-landlord-issue/#post-4610456</link>
				<pubDate>Tue, 20 Oct 2009 05:32:47 +0000</pubDate>

									<content:encoded><![CDATA[<p>Where abouts are you located?</p>
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				<title>FinSpec replied to the topic Want to move into my Investment Property in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4397498-want-to-move-into-my-investment-property/#post-4610177</link>
				<pubDate>Mon, 12 Oct 2009 12:47:26 +0000</pubDate>

									<content:encoded><![CDATA[<p>You&#039;re already on the right path, get it valued, get anything fixed.  Depending on how much you have paid off, you may always want to ensure that you have your loan account set up correctly.  Also, don&#039;t get too carried away with repairs.  I know that some people tend to get carried away when doing their tax returns, don&#039;t forget that if it&#039;s a re&hellip;<span class="activity-read-more" id="activity-read-more-89399"><a href="https://www.propertyinvesting.com/topic/4397498-want-to-move-into-my-investment-property/#post-4610177" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic newbie looking to get started in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4397370-newbie-looking-to-get-started/#post-4609560</link>
				<pubDate>Fri, 02 Oct 2009 03:05:02 +0000</pubDate>

									<content:encoded><![CDATA[<p>A common saying is that you make your money when you buy &#8211; ie, buying the right property in the right area at the right time.  In most market conditions, if you have an eye for it, reno&#039;s can work.  In some situations, they work very well.  However, they also come with plenty of risk, so doing your homework is a great idea.Work out what you are go&hellip;<span class="activity-read-more" id="activity-read-more-269499"><a href="https://www.propertyinvesting.com/topic/4397370-newbie-looking-to-get-started/#post-4609560" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Rent versus Buy in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4397410-rent-versus-buy/#post-4609865</link>
				<pubDate>Fri, 02 Oct 2009 03:01:19 +0000</pubDate>

									<content:encoded><![CDATA[<p>Quite a few questions there!  Depending on where you are located, it could make a difference.  If you buy a PPOR to live in and them move out, you may get the best of both worlds, being govt assistance as well as an investment property in the end, however you may not want to have to move so often and/or lose the place you&#039;re renting at the m&hellip;<span class="activity-read-more" id="activity-read-more-145898"><a href="https://www.propertyinvesting.com/topic/4397410-rent-versus-buy/#post-4609865" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Agents Referral Fee in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4397400-agents-referral-fee-2/#post-4609839</link>
				<pubDate>Fri, 02 Oct 2009 02:55:40 +0000</pubDate>

									<content:encoded><![CDATA[<p>A conjunctional sale is where one agent works with another, and they both take a % of the fees.  In that sence, it&#039;s down to the individual agents how they share things.If you&#039;re talking a normal sale, I&#039;ve seen anything from 1% up to 3%, dending on the property, the market, and who is doing the selling.  Genuinely talented agents tend to charge a&hellip;<span class="activity-read-more" id="activity-read-more-168843"><a href="https://www.propertyinvesting.com/topic/4397400-agents-referral-fee-2/#post-4609839" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Depreciation Schedules in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4397414-depreciation-schedules-3/#post-4609872</link>
				<pubDate>Fri, 02 Oct 2009 02:53:01 +0000</pubDate>

									<content:encoded><![CDATA[<p>There really is a difference.  I&#039;ve seen anything from a one page spreadsheet to a full, comprehensive multi page report.  Different companies will give you different amounts of depreciation as well, so the higher it goes, the more comprehensive you should &#8211; helps if the ATO asks any questions, you have a solid details to go off rather than a c&hellip;<span class="activity-read-more" id="activity-read-more-62663"><a href="https://www.propertyinvesting.com/topic/4397414-depreciation-schedules-3/#post-4609872" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Tax effective investment books in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4397315-tax-effective-investment-books/#post-4609329</link>
				<pubDate>Thu, 24 Sep 2009 04:04:32 +0000</pubDate>

									<content:encoded><![CDATA[<p>Tony and Ed are good guys, and they know their stuff.  Probably is one of the better books on the market at the moment.Regarding your questions, I&#039;d seek some proper advice &#8211; could you probably engage someone for about an hour or so and suck enough information from their brain to get you heading in the right direction.  It might cost money, but i&hellip;<span class="activity-read-more" id="activity-read-more-241403"><a href="https://www.propertyinvesting.com/topic/4397315-tax-effective-investment-books/#post-4609329" rel="nofollow">[Read more]</a></span></p>
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				<title>FinSpec replied to the topic Feedback on "A better choice financial group" in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4397322-feedback-on-a-better-choice-financial-group/#post-4609364</link>
				<pubDate>Thu, 24 Sep 2009 04:02:27 +0000</pubDate>

									<content:encoded><![CDATA[<p>I don&#039;t personally know the group, but a few things to keep in mind.  If you&#039;re going to buy a property through someone else, do your research.  There is nothing wrong with buying through an investment property company, as long as what you buy prepresents both good value, as well as suits what you need in an investment.  One of the problems wi&hellip;<span class="activity-read-more" id="activity-read-more-123695"><a href="https://www.propertyinvesting.com/topic/4397322-feedback-on-a-better-choice-financial-group/#post-4609364" rel="nofollow">[Read more]</a></span></p>
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