PropertyInvesting.com | GameTime | Activity https://www.propertyinvesting.com/members/gametime/activity/ Activity feed for GameTime. Wed, 15 Apr 2026 00:13:23 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 4e9cccf040fe88724be8e73d4ccde9e5 GameTime replied to the topic Negative Gearing vs Paying Off FAST in the forum Help Needed! https://www.propertyinvesting.com/topic/4403664-negative-gearing-vs-paying-off-fast/#post-4647963 Tue, 17 May 2011 13:01:15 +0000 Thanks Jamie, that's a great Idea.I guess if i do decide to purchase a PPOR later down the track, i can use that offset from the 1st IP and have it negatively geared, which i otherwise wouldnt be able to do if i took out a new loan soley for a PPOR.

]]> eb9fdf7d50cd07b33733783d027ed4c5 GameTime started the topic Negative Gearing vs Paying Off FAST in the forum Help Needed! https://www.propertyinvesting.com/topic/4403664-negative-gearing-vs-paying-off-fast/ Tue, 17 May 2011 12:34:24 +0000 Hi Guys,
I’m seriously considering an investment property but I’m a little unsure of a few aspects.
Primarily I’m unsure of negative gearing and the role it should play in my strategy.
I often hear a lot of people talking up negative gearing but frankly I don’t understand how it could be of any real benefit to me in regards to a strat…[Read more]

]]> c2ba5d89d6e366367633f97f698774dd GameTime replied to the topic Technical Analysis and Investing Tools in the forum Hi Jamie,i have sent you an https://www.propertyinvesting.com/topic/4401084-technical-analysis-and-investing-tools/#post-4631115 Fri, 03 Sep 2010 06:21:04 +0000 Hi Jamie,i have sent you an email, i would love a copy of your IP analysis spreadsheet.thanks mate

]]> aa53e36169b9728cc358507a565b409b GameTime replied to the topic Technical Analysis and Investing Tools in the forum bump https://www.propertyinvesting.com/topic/4401084-technical-analysis-and-investing-tools/#post-4631113 Thu, 02 Sep 2010 08:50:43 +0000 bump

]]> f0e0640726da9fce7716d870e4149289 GameTime replied to the topic Loan Structure Help – Still Live With Parents in the forum Finance https://www.propertyinvesting.com/topic/4401016-loan-structure-help-still-live-with-parents/#post-4630790 Thu, 02 Sep 2010 03:20:34 +0000 Thanks for your help Terry, its really appreciated.

]]> b5cf67fc27ce05972cdb84e24da58e8a GameTime replied to the topic Managed Fund vs Investment Property in the forum Help Needed! https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/#post-4630302 Tue, 24 Aug 2010 03:46:21 +0000 Thanks Terryw, that makes everything so much more clear. i really appreciate you taking the time to help me understand. Many thanks.

]]> b5cf67fc27ce05972cdb84e24da58e8a GameTime replied to the topic Managed Fund vs Investment Property in the forum Thanks Terryw, that makes https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/page/2/#post-4630321 Tue, 24 Aug 2010 03:46:21 +0000 Thanks Terryw, that makes everything so much more clear. i really appreciate you taking the time to help me understand. Many thanks.

]]> b1c0250d71313ac3bc050d94bf3c2e5d GameTime replied to the topic Managed Fund vs Investment Property in the forum Help Needed! https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/#post-4630300 Tue, 24 Aug 2010 03:19:02 +0000 Terryw wrote:
The savings on a 100% offset account and IO loan will be the same as a PI loan. Providing you are not tempted to spend the cash.

Thanks for your help and patience, im new to all of this.So once i use my entire savings for a deposit on an IP, each week when i get paid, i deposit as much as i can into the offset, and pay just the…[Read more]

]]> b1c0250d71313ac3bc050d94bf3c2e5d GameTime replied to the topic Managed Fund vs Investment Property in the forum Terryw wrote:The savings on https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/page/2/#post-4630319 Tue, 24 Aug 2010 03:19:02 +0000 Terryw wrote:
The savings on a 100% offset account and IO loan will be the same as a PI loan. Providing you are not tempted to spend the cash.

Thanks for your help and patience, im new to all of this.So once i use my entire savings for a deposit on an IP, each week when i get paid, i deposit as much as i can into the offset, and pay just the…[Read more]

]]> 8d5ceaf694d33aae8cbe352f5eb2b44e GameTime replied to the topic Managed Fund vs Investment Property in the forum Help Needed! https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/page/2/#post-4630317 Tue, 24 Aug 2010 02:58:33 +0000 Terryw wrote:
But consider the tax consequences.The effect is interest on the full $300,000 is deductible. Saving you roughly $3,000 pa in tax.

The saving on the overall loan itself and having it gear positive outweighs a tax saving of 3kpa though?

]]> 8d5ceaf694d33aae8cbe352f5eb2b44e GameTime replied to the topic Managed Fund vs Investment Property in the forum Terryw wrote:But consider https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/#post-4630298 Tue, 24 Aug 2010 02:58:33 +0000 Terryw wrote:
But consider the tax consequences.The effect is interest on the full $300,000 is deductible. Saving you roughly $3,000 pa in tax.

The saving on the overall loan itself and having it gear positive outweighs a tax saving of 3kpa though?

]]> f9423ade5e06ca8076a0740895300a8b GameTime replied to the topic Managed Fund vs Investment Property in the forum Help Needed! https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/page/2/#post-4630314 Tue, 24 Aug 2010 02:37:26 +0000 Thanks for your help Terryw

]]> f9423ade5e06ca8076a0740895300a8b GameTime replied to the topic Managed Fund vs Investment Property in the forum Help Needed! https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/#post-4630295 Tue, 24 Aug 2010 02:37:26 +0000 Thanks for your help Terryw

]]> 67fe7c4a75840bb1ef6eaf0286a64a05 GameTime replied to the topic Managed Fund vs Investment Property in the forum Help Needed! https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/page/2/#post-4630313 Tue, 24 Aug 2010 02:32:12 +0000 JacM wrote:
Always IO loan with an offset account.  Always pay the interest as required, and funnel extra money into the offset, which holds off the interest.  Then you either leave the money in the offset to pay the property off one day, or pull it back out to use it as a deposit on another property.

Im a little confused, Using any loan r…[Read more]

]]> 67fe7c4a75840bb1ef6eaf0286a64a05 GameTime replied to the topic Managed Fund vs Investment Property in the forum Help Needed! https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/#post-4630294 Tue, 24 Aug 2010 02:32:12 +0000 JacM wrote:
Always IO loan with an offset account.  Always pay the interest as required, and funnel extra money into the offset, which holds off the interest.  Then you either leave the money in the offset to pay the property off one day, or pull it back out to use it as a deposit on another property.

Im a little confused, Using any loan r…[Read more]

]]> d0661f92b0438ccbed6e7f4455c0e160 GameTime replied to the topic Managed Fund vs Investment Property in the forum Help Needed! https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/page/2/#post-4630309 Mon, 23 Aug 2010 13:20:00 +0000 Thanks Catalyst and LH for your help, i really appreciate it. I have a few other questionsThe scenario is i decide to go ahead with an IP worth $380k whilst working fulltime (50k gross) but still living at home with my parents with only minimal expenses.1- How much Deposit should i aim for?2- Would an IO loan be best or should i try and reduce…[Read more]

]]> d0661f92b0438ccbed6e7f4455c0e160 GameTime replied to the topic Managed Fund vs Investment Property in the forum Help Needed! https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/#post-4630290 Mon, 23 Aug 2010 13:20:00 +0000 Thanks Catalyst and LH for your help, i really appreciate it. I have a few other questionsThe scenario is i decide to go ahead with an IP worth $380k whilst working fulltime (50k gross) but still living at home with my parents with only minimal expenses.1- How much Deposit should i aim for?2- Would an IO loan be best or should i try and reduce…[Read more]

]]> 71a9fd6504f6d3ffd87f776265001eb1 GameTime replied to the topic Managed Fund vs Investment Property in the forum Help Needed! https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/page/2/#post-4630306 Sun, 22 Aug 2010 12:40:06 +0000 Thanks for your response Catalyst,The only thing is you have calculated the Managed Fund incorrectly.Interest paid monthly  on a 60k account over 15 years works out to be $132,000 assuming i don't make any contributions to the fund at all.You have also assumed that housing prices will double in 10 years.if the property market is flat or only…[Read more]

]]> 71a9fd6504f6d3ffd87f776265001eb1 GameTime replied to the topic Managed Fund vs Investment Property in the forum Help Needed! https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/#post-4630287 Sun, 22 Aug 2010 12:40:06 +0000 Thanks for your response Catalyst,The only thing is you have calculated the Managed Fund incorrectly.Interest paid monthly  on a 60k account over 15 years works out to be $132,000 assuming i don't make any contributions to the fund at all.You have also assumed that housing prices will double in 10 years.if the property market is flat or only…[Read more]

]]> 23e75fcebc2d62ed8b328d14c7bc8766 GameTime replied to the topic Managed Fund vs Investment Property in the forum Help Needed! https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/page/2/#post-4630304 Sun, 22 Aug 2010 11:09:58 +0000 bump

]]> 23e75fcebc2d62ed8b328d14c7bc8766 GameTime replied to the topic Managed Fund vs Investment Property in the forum Help Needed! https://www.propertyinvesting.com/topic/4400951-managed-fund-vs-investment-property/#post-4630285 Sun, 22 Aug 2010 11:09:58 +0000 bump

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