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	<title>PropertyInvesting.com | hb | Activity</title>
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				<title>hb replied to the topic Best advice : Don't invest into property : The australian market is CRASHING.  in the forum wow , i'm gonna be rich
but</title>
				<link>https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/4/#post-4586799</link>
				<pubDate>Thu, 22 May 2008 09:46:36 +0000</pubDate>

									<content:encoded><![CDATA[<p>wow , i&#039;m gonna be richbut aren&#039;t things also go UP?using the same logicMy $50k salary today with be $2.62 million dollars a year in 2047A commodore will be worth $1.8millPetrol with be $72/litreand a loaf of bread $135something to look forward to heycheers&#8230;&#8230;.with my bottle of red $20 today.,&#8230;&#8230;$905 in 2047</p>
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				<title>hb replied to the topic Salary : House prices ratio in the forum There are also some CEOs</title>
				<link>https://www.propertyinvesting.com/topic/4389505-salary-house-prices-ratio-2/#post-4567292</link>
				<pubDate>Thu, 18 Oct 2007 12:36:51 +0000</pubDate>

									<content:encoded><![CDATA[<p>There are also some CEOs making millions of dollars a year just in bonuses,but the true figures of the average wages salary is available from the RBA.gov.au website and for june 2007 is $1091.20 GROSS</p>
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				<title>hb replied to the topic Salary : House prices ratio in the forum Opinionated!</title>
				<link>https://www.propertyinvesting.com/topic/4389505-salary-house-prices-ratio-2/#post-4567290</link>
				<pubDate>Thu, 18 Oct 2007 12:01:52 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi spudstayour post is a few months old, but probably still of interest.&quot;Does anyone know where to get proper statistics?&quot;Try the RBA.gov.au site for salary statistic&quot;Am i wrong?&quot; NO&quot;Have salaries increased along with property or has property had a large leap recently and salaries have not?&quot;The second one, and not just &quot;recently&quot;.Let me show youIn&hellip;<span class="activity-read-more" id="activity-read-more-254844"><a href="https://www.propertyinvesting.com/topic/4389505-salary-house-prices-ratio-2/#post-4567290" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Heavily negative geared! Should i sell??? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4391143-heavily-negative-geared-should-i-sell/#post-4575820</link>
				<pubDate>Wed, 17 Oct 2007 08:48:42 +0000</pubDate>

									<content:encoded><![CDATA[<p>wow heavily geared, the last thing you&#039;d want happening is whats happening here&#8230;&#8230;&#8230;&#8230;&#8230;<a href="http://www.youtube.com/watch?v=10WoQZKZkNs" rel="nofollow">http://www.youtube.com/watch?v=10WoQZKZkNs</a>good luck</p>
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				<title>hb replied to the topic What can happen in a slump LOTS OF QUESTIONS in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4390503-what-can-happen-in-a-slump-lots-of-questions/#post-4572383</link>
				<pubDate>Fri, 24 Aug 2007 13:23:12 +0000</pubDate>

									<content:encoded><![CDATA[<p>Well Duckster, thats partly trueBut i do take offence to your statement &quot;I feel that Labor may have learned from the last recession &#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;..&quot;You obviously wheren&#039;t there for the Howard Recession of 1982Let me remind you with some extracts from my local paper June 1982 &quot;by allowing the banks to lift morgage interest rates, it&hellip;<span class="activity-read-more" id="activity-read-more-138038"><a href="https://www.propertyinvesting.com/topic/4390503-what-can-happen-in-a-slump-lots-of-questions/#post-4572383" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic house median prices? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4388343-house-median-prices/#post-4561678</link>
				<pubDate>Tue, 06 Feb 2007 14:40:11 +0000</pubDate>

									<content:encoded><![CDATA[<p><a href="http://data1.reiv.com.au/trendchart/" rel="nofollow">http://data1.reiv.com.au/trendchart/</a></p>
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				<title>hb replied to the topic Frankston anyone? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4388002-frankston-anyone/#post-4560302</link>
				<pubDate>Sun, 28 Jan 2007 11:06:55 +0000</pubDate>

									<content:encoded><![CDATA[<p>Micheal&#8230;&#8230;what did you just say&#8230;&#8230;&#8230;&#8230;..</p>
<p><i>&#8220;parts of Frankston make good sense as investment areas and there are some good long term development opportunities there.</p>
<p>We have bought 3 properties in Frankston for clients in December and have offers on 3 others out at present. Most of these have been bought by our clients with the medium to&hellip;</i><span class="activity-read-more" id="activity-read-more-37257"><a href="https://www.propertyinvesting.com/topic/4388002-frankston-anyone/#post-4560302" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic St Clair Property and The Sydney Price Crash in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4386625-st-clair-property-and-the-sydney-price-crash/#post-4553784</link>
				<pubDate>Wed, 30 Aug 2006 11:52:20 +0000</pubDate>

									<content:encoded><![CDATA[<p>how right you are , mortgage hunter and depreciator&#8230;&#8230;.</p>
<p><i>&#8220;Media has so much influence on the markets that they should be more responsible&#8221;</i></p>
<p>But isn&#8217;t the <b>real issue </b>people trying to use the media for their  own means.<br />
as an example, i remember some spruiker called steve <i>something</i>, getting on Today Tonight saying that he could turn people into&hellip;<span class="activity-read-more" id="activity-read-more-207662"><a href="https://www.propertyinvesting.com/topic/4386625-st-clair-property-and-the-sydney-price-crash/#post-4553784" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic accountant talking us out of trust in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4385200-accountant-talking-us-out-of-trust/page/2/#post-4546135</link>
				<pubDate>Thu, 01 Jun 2006 12:10:17 +0000</pubDate>

									<content:encoded><![CDATA[<p>hi<br />
well finally i got a phone call from my local MP<br />
and not surprisingly, the reply was &#8220;You can do it&#8230;..but you WILL pay TAX on it&#8221;</p>
<p>What sort of fools do people like Micheal Yardney (<a href="http://www.propertyupdate.com.au/articles/2/1/The-Tax-Benefits-of-Trust" rel="nofollow">http://www.propertyupdate.com.au/articles/2/1/The-Tax-Benefits-of-Trust</a>) and Dale Goss think we are???</p>
<p>No Dale&#8230;going to the cinema with the family and claiming&hellip;<span class="activity-read-more" id="activity-read-more-261246"><a href="https://www.propertyinvesting.com/topic/4385200-accountant-talking-us-out-of-trust/page/2/#post-4546135" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Anyone doing renovation jobs in Melb ? in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4383899-anyone-doing-renovation-jobs-in-melb/#post-4539206</link>
				<pubDate>Thu, 01 Jun 2006 11:29:16 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi troynbec</p>
<p>sorry taking so long to reply&#8230;..<br />
watching far to much TV</p>
<p>how the renovating going????<br />
you know ..the BUY,RENO,SELL stuff&#8230;&#8230;.<br />
made your first 1 mil yet????</p>
<p>do you remember me mentioning ..the builder..the tax accountant&#8230;and the investor&#8230;doing their 1st B_R_S project&#8230;<br />
in brighton east&#8230;.not a bad suburb.</p>
<p>guess&hellip;<span class="activity-read-more" id="activity-read-more-122294"><a href="https://www.propertyinvesting.com/topic/4383899-anyone-doing-renovation-jobs-in-melb/#post-4539206" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Delurk and Introduction in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4385655-delurk-and-introduction/#post-4548148</link>
				<pubDate>Wed, 31 May 2006 09:43:15 +0000</pubDate>

									<content:encoded><![CDATA[<p>Unreal&#8230;..your going to complete your law degree this year at the age of 22&#8230;.(a course that normal takes 6 years at uni)&#8230;.you must be a boy genius.<br />
it surprises me that me that your on this forum looking for advice from a few dreamers and  mortgage brokers.<br />
How about looking outside the squareâ€¦.<br />
Have you thought of starting your own Law pra&hellip;<span class="activity-read-more" id="activity-read-more-49662"><a href="https://www.propertyinvesting.com/topic/4385655-delurk-and-introduction/#post-4548148" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic accountant talking us out of trust in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4385200-accountant-talking-us-out-of-trust/page/2/#post-4546134</link>
				<pubDate>Sat, 27 May 2006 09:55:04 +0000</pubDate>

									<content:encoded><![CDATA[<p>Lisa.. i don&#8217;t know why you would think that Dale&#8217;s idea verge on tax avoidance&#8230;<br />
heres a extract from this book</p>
<p>&#8220;The other way that trusts are used to reduce income tax is by paying expenses of the family before the net income is distributed.</p>
<p>In this way, the trust pays for expenses of running your property business and claims them as a tax&hellip;<span class="activity-read-more" id="activity-read-more-213368"><a href="https://www.propertyinvesting.com/topic/4385200-accountant-talking-us-out-of-trust/page/2/#post-4546134" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Self funded superannuation and property in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4385504-self-funded-superannuation-and-property/#post-4547510</link>
				<pubDate>Thu, 25 May 2006 11:02:41 +0000</pubDate>

									<content:encoded><![CDATA[<p>hi<br />
just to clarify retirement&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;..<br />
when you retire FULL TIME&#8230;income earnings and withdrawals TAX FREE<br />
but if you decide to keep working after 60 and still access your super f(or extra money)  than the earnings will be TAXed at 15%&#8230;<br />
withdrawal TAX FREE<br />
simple hey</p>
<p>hb</p>
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				<title>hb replied to the topic How much tax to pay?? in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4385552-how-much-tax-to-pay/page/2/#post-4547695</link>
				<pubDate>Thu, 25 May 2006 09:36:25 +0000</pubDate>

									<content:encoded><![CDATA[<p>you missed the point cata<br />
the question is <i>&#8220;I was told by someone that there is way to set up a structure to never pay over 30%???<br />
Is this fact??</i><br />
and they where talking about  <i>&#8220;a hypothetical; lets say we earn $200K &#8220;</i><br />
TAX ISSUES is their main concern&#8230;.<br />
Secondly introducing a statement as&#8230;.<br />
<i>&#8220;and what if you could keep your taxable income in an&hellip;</i><span class="activity-read-more" id="activity-read-more-272027"><a href="https://www.propertyinvesting.com/topic/4385552-how-much-tax-to-pay/page/2/#post-4547695" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic How much tax to pay?? in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4385552-how-much-tax-to-pay/#post-4547693</link>
				<pubDate>Wed, 24 May 2006 11:15:36 +0000</pubDate>

									<content:encoded><![CDATA[<p>hi<br />
Isn&#8217;t all this advice a bit old hat now.<br />
With the new tax rates coming into affect as of july 1st 2006, it makes trust and companies a bit parse<br />
Heres an extract from Kel Fitzalan&#8230;Deloitte Tax Service partner.<br />
&#8221; With the new mariginal tax rates, individuals will be able to earn about $150,000 before the effective tax rate on their income&hellip;<span class="activity-read-more" id="activity-read-more-99514"><a href="https://www.propertyinvesting.com/topic/4385552-how-much-tax-to-pay/#post-4547693" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Self funded superannuation and property in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4385504-self-funded-superannuation-and-property/#post-4547509</link>
				<pubDate>Fri, 19 May 2006 15:29:20 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi wagonmaster<br />
heres a extract taken from Babara Smiths piece &#8220;Budget Takes Away too&#8221;</p>
<p>&#8220;Winners and losers<br />
The removal of the RBL means that people who are overfunded are the big winners&#8230;&#8230;(may our politicians)<br />
but there are also losers, because the governement is giving with one hand and taking away with the other. It has failed to take into&hellip;<span class="activity-read-more" id="activity-read-more-190353"><a href="https://www.propertyinvesting.com/topic/4385504-self-funded-superannuation-and-property/#post-4547509" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Self funded superannuation and property in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4385504-self-funded-superannuation-and-property/#post-4547508</link>
				<pubDate>Fri, 19 May 2006 14:44:01 +0000</pubDate>

									<content:encoded><![CDATA[<p>Sadly Wagonmaster, if you didn&#8217;t have the SMSF set up before 9 may (budget night) and the property in it&#8230;.your history.<br />
why&#8230;..<br />
Simply to stop the exploitation of this generous super system.</p>
<p>If your over 50 and in the transition stage to retirement, you will be allow 150k a year for 3 years max. total 450k   (this idea is under review)</p>
<p>Under&hellip;<span class="activity-read-more" id="activity-read-more-66834"><a href="https://www.propertyinvesting.com/topic/4385504-self-funded-superannuation-and-property/#post-4547508" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Property Transaction Costs in the forum Opinionated!</title>
				<link>https://www.propertyinvesting.com/topic/4385453-property-transaction-costs-2/#post-4547285</link>
				<pubDate>Fri, 19 May 2006 14:19:24 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks simon<br />
Diversification is definitely the game<br />
Sadly, itâ€™s taken me 30 years to work that out.<br />
Iâ€™ve only ever invested in property, within a SMSF.<br />
12 years ago having 300K to spendâ€¦.<br />
An investment in a penthouse in Noosa sounded far more appealing than buying shares.<br />
From recession to boom times the investment definitely create a Capi&hellip;<span class="activity-read-more" id="activity-read-more-141573"><a href="https://www.propertyinvesting.com/topic/4385453-property-transaction-costs-2/#post-4547285" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Property Transaction Costs in the forum Opinionated!</title>
				<link>https://www.propertyinvesting.com/topic/4385453-property-transaction-costs-2/#post-4547280</link>
				<pubDate>Wed, 17 May 2006 13:01:04 +0000</pubDate>

									<content:encoded><![CDATA[<p>Well on my calculation <b>wezwa</b>z is closer to the mark&#8230;..<br />
if you bought a $400k property in victoria on 40k deposit,<br />
you would pay<br />
Stamp duty on transfer of land $19,660<br />
Stamp duty on mortgage: $1,404<br />
Registration of transfer of land: $1,074<br />
Registration of mortgage: $59<br />
Title search: $13<br />
Registration of mortgage: $59<br />
Loan application fee / package&hellip;<span class="activity-read-more" id="activity-read-more-141569"><a href="https://www.propertyinvesting.com/topic/4385453-property-transaction-costs-2/#post-4547280" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Melbourne - Eastlink &#38; its impact on IPs in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4384397-melbourne-eastlink-its-impact-on-ips/#post-4541537</link>
				<pubDate>Tue, 21 Feb 2006 11:56:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>micheal &#8230;what is going on</p>
<p><i>Frankston North is a pretty rough area and unlikley to change.<br />
I would not invest there, I think I could find better areas<br />
Its just not a great strategy for long term wealth</i><br />
in one post</p>
<p>and then here<br />
<i>Frankston will be the big winner&#8230;. We have bought 6 properties in Frankston just like this for clients in the last&hellip;</i><span class="activity-read-more" id="activity-read-more-120628"><a href="https://www.propertyinvesting.com/topic/4384397-melbourne-eastlink-its-impact-on-ips/#post-4541537" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic frankston north decent investment ? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4384398-frankston-north-decent-investment/#post-4541540</link>
				<pubDate>Tue, 21 Feb 2006 11:45:14 +0000</pubDate>

									<content:encoded><![CDATA[<p>hi echidna<br />
totally agree with michael&#8230;the prices in frankston haven&#8217;t moved in for over 2 years&#8230;stuck around $230K<br />
you might wanna have a look at brighton east&#8230;.thou<br />
the median price has plumment by $80k in just the <b>last 6 months</b><br />
from over 770k down to 690k&#8230;&#8230;. and still heading south</p>
<p>might find some bargains there soon</p>
<p>..never know&hellip;<span class="activity-read-more" id="activity-read-more-66329"><a href="https://www.propertyinvesting.com/topic/4384398-frankston-north-decent-investment/#post-4541540" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic New Investor on the block in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4384366-new-investor-on-the-block/#post-4541423</link>
				<pubDate>Sun, 19 Feb 2006 12:35:44 +0000</pubDate>

									<content:encoded><![CDATA[<p>atrain<br />
welcome to property investment<br />
as a fellow IT person and someone thats put 90% of his investments into property, i thought i&#8217;d share some wisdom.</p>
<p>just one of my IP&#8217;s</p>
<p>i did everything by the book..thats micheal yardleys books&#8230;<br />
<i>1. Passive appreciation â€“ slow growth I value as the general market increases in value.</i><br />
i did that&#8230;held for&hellip;<span class="activity-read-more" id="activity-read-more-67168"><a href="https://www.propertyinvesting.com/topic/4384366-new-investor-on-the-block/#post-4541423" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic First Sydney then Melb, Bris/NZ now Perth. Next? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4384284-first-sydney-then-melb-brisnz-now-perth-next/#post-4541075</link>
				<pubDate>Thu, 16 Feb 2006 13:05:08 +0000</pubDate>

									<content:encoded><![CDATA[<p>nice one dd<br />
tassie&#8217;s a lovely spot</p>
<p>but just doing some quick calc&#8217;s on your gems, looks like selling today at $145k would make you about $15k after all costs..<br />
(if at val $125k you loss -$4k)<br />
if instead had you got some bhp shares today you would have made 40k<br />
then you could have bought maybe 2 IPs</p>
<p>all to do with timing</p>
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				<title>hb replied to the topic First Sydney then Melb, Bris/NZ now Perth. Next? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4384284-first-sydney-then-melb-brisnz-now-perth-next/#post-4541073</link>
				<pubDate>Mon, 13 Feb 2006 10:37:25 +0000</pubDate>

									<content:encoded><![CDATA[<p>look melbourne is booming<br />
just an example<br />
buxton RE sold a place <b>18 months ago </b>$520k<br />
back on the market  expect $540k<br />
wow thats a gain over 18 months of 20k</p>
<p>lets not tell them about the odd $40k in cost to buy<br />
the $20K in costs to sell<br />
and the costs of interest to hold it for 18 months</p>
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				<title>hb replied to the topic The move from hell! in the forum Opinionated!</title>
				<link>https://www.propertyinvesting.com/topic/4384288-the-move-from-hell/#post-4541107</link>
				<pubDate>Mon, 13 Feb 2006 10:13:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>hi mathewc73</p>
<p>life is full of experience</p>
<p>and occasionally you come across <b>scumbags</b> that just spoil your day</p>
<p>sadly there are unscrupulous individuals in all works of life, even in property investing<br />
for example&#8230;..<br />
<i>We have just purchased a large house that is quite old that still has all it&#8217;s old built in appliances (stove, oven, dishwasher&hellip;</i><span class="activity-read-more" id="activity-read-more-162146"><a href="https://www.propertyinvesting.com/topic/4384288-the-move-from-hell/#post-4541107" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic beneficiaries on trusts in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4384228-beneficiaries-on-trusts/#post-4540849</link>
				<pubDate>Sun, 12 Feb 2006 11:41:52 +0000</pubDate>

									<content:encoded><![CDATA[<p>thank grant<br />
i see you got a good grasp on the obligations as the trustee of your Discretionary Trust<br />
<i>&#8220;The trusteeâ€™s overriding duty is to obey the terms of the trust deed and to act in the best interests of the beneficiaries&#8221;</i><br />
its ok &#8230;its only the small print</p>
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				<title>hb replied to the topic What Are You Reading At The Moment? in the forum Creative Investing</title>
				<link>https://www.propertyinvesting.com/topic/4384267-what-are-you-reading-at-the-moment/#post-4541001</link>
				<pubDate>Sun, 12 Feb 2006 11:16:55 +0000</pubDate>

									<content:encoded><![CDATA[<p>&#8220;essence of happiness&#8221;<br />
dalai lama</p>
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				<title>hb replied to the topic bedroom noise reduction in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4384231-bedroom-noise-reduction/#post-4540858</link>
				<pubDate>Fri, 10 Feb 2006 14:38:03 +0000</pubDate>

									<content:encoded><![CDATA[<p>Sorry grossrealisation but your wrong&#8230;you&#8217;ll probably get about 10Db attenuation from rockwall and you have to get it into the walls.<br />
Redwings right&#8230;..<br />
windows and any air vents that are in the room.<br />
<i>There are two types of noise transfer through<br />
partitions, airborne transfer, and structureborne<br />
transfer. Both may need to be considered in&hellip;</i><span class="activity-read-more" id="activity-read-more-209929"><a href="https://www.propertyinvesting.com/topic/4384231-bedroom-noise-reduction/#post-4540858" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic beneficiaries on trusts in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4384228-beneficiaries-on-trusts/#post-4540843</link>
				<pubDate>Fri, 10 Feb 2006 13:41:19 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi grant<br />
just wanting to clarifying your  discretionary trust.<br />
when you fill in section 58 in the &#8220;Trust Return&#8221; and fill in the Full name of the beneficiary, their address plus TFN,<br />
why the Tax office doesn&#8217;t cross reference it to that beneficiary who has received a distribution from you&#8230;..unaware!!</p>
<p>what happens then??</p>
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				<title>hb replied to the topic US investing. Ethical considerations in the forum Overseas Deals</title>
				<link>https://www.propertyinvesting.com/topic/4384249-us-investing-ethical-considerations/#post-4540922</link>
				<pubDate>Fri, 10 Feb 2006 13:21:35 +0000</pubDate>

									<content:encoded><![CDATA[<p>bardon</p>
<p><i>&#8220;The city officials, housing action groups and local business support foreign and out of town investment as this is what is needed to correct the years of disinvestment.&#8221;</i></p>
<p>Admirable analysis of a country with anomalous priorities</p>
<p>performing its super power contest</p>
<p>USA invests $400 Billion dollars in Military expenditures (Australias&hellip;<span class="activity-read-more" id="activity-read-more-188433"><a href="https://www.propertyinvesting.com/topic/4384249-us-investing-ethical-considerations/#post-4540922" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic US investing. Ethical considerations in the forum Overseas Deals</title>
				<link>https://www.propertyinvesting.com/topic/4384249-us-investing-ethical-considerations/#post-4540919</link>
				<pubDate>Fri, 10 Feb 2006 11:09:09 +0000</pubDate>

									<content:encoded><![CDATA[<p>markdangerous</p>
<p>you have undeniably hit a nerve with Brisbane 04</p>
<p>what you misapprehend, is that the whole point of this forum is stimulate prosperity, no matter what the sacrifice.</p>
<p>Go Brisbane 04, trample humanity, impede human rights, and proliferate in capitalism at the disbursement of mankind</p>
<p>in simple terms<br />
04&#8230;your a wit<br />
mark&#8230;your&hellip;<span class="activity-read-more" id="activity-read-more-188431"><a href="https://www.propertyinvesting.com/topic/4384249-us-investing-ethical-considerations/#post-4540919" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic beneficiaries on trusts in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4384228-beneficiaries-on-trusts/#post-4540840</link>
				<pubDate>Thu, 09 Feb 2006 09:07:24 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi garnt7<br />
how fascinating having beneficiaries unawarei of their interest in your discretionary fund<br />
<i>&#8220;This is a pain as the beneficiaries dont even know they are on the trust and aernt involved in any way&#8221;</i></p>
<p>how do you handle the tax issues when you distribute profits to them ?</p>
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				<title>hb replied to the topic Do you know anyone that retired by 30? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4383034-do-you-know-anyone-that-retired-by-30/page/3/#post-4534421</link>
				<pubDate>Wed, 08 Feb 2006 10:36:57 +0000</pubDate>

									<content:encoded><![CDATA[<p>hi pipbender<br />
you&#8217;ve been dragging this out for 3 months now&#8230;.<br />
whats the go</p>
<p>i&#8217;ve email you&#8230;.your return link goes nowhere</p>
<p>whats are you trying to say?</p>
<p>if you&#8217;ve got an idea&#8230;lay it on us&#8230;..</p>
<p>show us the money</p>
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				<title>hb replied to the topic Melbourne median property values up 5%? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4384156-melbourne-median-property-values-up-5/page/2/#post-4540507</link>
				<pubDate>Tue, 07 Feb 2006 14:48:00 +0000</pubDate>

									<content:encoded><![CDATA[<p>hi asdf<br />
<i>&#8220;but I may not even be here in 5 years time so wouldn&#8217;t mind enjoying as much profits as possible&#8221;</i><br />
<b>Totally agree</b><br />
so why are you you looking at property&#8230;remember long term<br />
What generates GOOD income today?<br />
You have to borrow to invest, to generate, to create a lifestyle.<br />
There&#8217;s no magic formula<br />
some like IP&#8217;s, so like businesses.<br />
both&hellip;<span class="activity-read-more" id="activity-read-more-175556"><a href="https://www.propertyinvesting.com/topic/4384156-melbourne-median-property-values-up-5/page/2/#post-4540507" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic 100% Home loans- Vendor Finance extinct? in the forum Creative Investing</title>
				<link>https://www.propertyinvesting.com/topic/4384179-100-home-loans-vendor-finance-extinct/#post-4540656</link>
				<pubDate>Mon, 06 Feb 2006 12:07:41 +0000</pubDate>

									<content:encoded><![CDATA[<p>excellent analysis terry<br />
<i>&#8220;many people after vendor finance are the credit impaired, or people that otherwise don&#8217;t meet the normal lending criteria&#8221;</i>the bank&#8217;s don&#8217;t want this 1% of the market<br />
leave it to the wrappers<br />
[&#8220;i]you need to be squeaky clean with your credit report and have stable work history [/i]&#8221;<br />
which represents 99% of first home&hellip;<span class="activity-read-more" id="activity-read-more-182693"><a href="https://www.propertyinvesting.com/topic/4384179-100-home-loans-vendor-finance-extinct/#post-4540656" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Melbourne median property values up 5%? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4384156-melbourne-median-property-values-up-5/page/2/#post-4540503</link>
				<pubDate>Sun, 05 Feb 2006 15:17:47 +0000</pubDate>

									<content:encoded><![CDATA[<p>thanks<br />
1990&#8230;what a year<br />
there was one old guy standing in the corner&#8230;plus 6 of my friends, at this auction&#8230;.6 years later, 6 doors down..100 people.</p>
<p>PS i still have the business today, and it is still as profitable.<br />
but now the staff get a much bigger profit share, as i only go in every few weeks, just to say hello.</p>
<p>Just adding to the&hellip;<span class="activity-read-more" id="activity-read-more-104015"><a href="https://www.propertyinvesting.com/topic/4384156-melbourne-median-property-values-up-5/page/2/#post-4540503" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Melbourne median property values up 5%? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4384156-melbourne-median-property-values-up-5/#post-4540501</link>
				<pubDate>Sun, 05 Feb 2006 11:10:03 +0000</pubDate>

									<content:encoded><![CDATA[<p>hi pyramid<br />
i started Buy,Reno, Sell properties 35 years&#8230;&#8230;&#8230;<br />
my first property was in Yarraville, 15K&#8230;.interest only&#8230;..i was going to make a fortune&#8230;had a full time job, so worked every night and weekends on IP&#8230;sold 3 years later 20k.<br />
didn&#8217;t have excel spreedsheets then, but my gut feel was&#8230;i was a loser.<br />
then, just thru luck, a&hellip;<span class="activity-read-more" id="activity-read-more-258357"><a href="https://www.propertyinvesting.com/topic/4384156-melbourne-median-property-values-up-5/#post-4540501" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Reducing your taxable / declarable income in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4384115-reducing-your-taxable-declarable-income/page/2/#post-4540289</link>
				<pubDate>Sun, 05 Feb 2006 09:12:26 +0000</pubDate>

									<content:encoded><![CDATA[<p>hi terry<br />
sorry, i understand now&#8230;.<br />
a residential tennant with a lease option to purchase the property<br />
logical&#8230;.</p>
<p>i think dazz was more interested in the concept of the tennant pay all outgoings, similar to a commercial lease&#8230;anyway</p>
<p>what would happen if the tennant pull out of the deal&#8230;<br />
would they be intitled to any reinbursement, as&hellip;<span class="activity-read-more" id="activity-read-more-287733"><a href="https://www.propertyinvesting.com/topic/4384115-reducing-your-taxable-declarable-income/page/2/#post-4540289" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Melbourne median property values up 5%? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4384156-melbourne-median-property-values-up-5/#post-4540499</link>
				<pubDate>Sun, 05 Feb 2006 05:30:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>I LOVE PROPERTY</p>
<p>in fact i have in excess of 4mil tied up in property.<br />
and only 20k in shares&#8230;.</p>
<p>so why the big deal on shares&#8230;</p>
<p>15 years ago i was too narrowly focused&#8230;..<br />
property, property, property..<br />
all bought in recession&#8230;.cheap.</p>
<p>having recently sold a penthouse in noosa,<br />
and then doing the comparison figures between it and&hellip;<span class="activity-read-more" id="activity-read-more-222195"><a href="https://www.propertyinvesting.com/topic/4384156-melbourne-median-property-values-up-5/#post-4540499" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic This really stinks!!! in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4384169-this-really-stinks/#post-4540591</link>
				<pubDate>Sun, 05 Feb 2006 02:14:21 +0000</pubDate>

									<content:encoded><![CDATA[<p>wait a couple of weeks, and the only think left will be bones&#8230;no smell</p>
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				<title>hb replied to the topic cheap rent when renting from myself in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4384130-cheap-rent-when-renting-from-myself/#post-4540367</link>
				<pubDate>Sun, 05 Feb 2006 02:11:03 +0000</pubDate>

									<content:encoded><![CDATA[<p>hi DLhadden<br />
thanks for the info<br />
but, even thou the GST and FBT questions are important, i guess the big picture question would be&#8230;&#8221;what happens at the end?&#8221;<br />
if  the property is sold,  rolling over into another business or super (probably super, at giddo stage in life)&#8230;..<br />
where would he live?<br />
remember his PPOR is now sold, and the money is&hellip;<span class="activity-read-more" id="activity-read-more-183897"><a href="https://www.propertyinvesting.com/topic/4384130-cheap-rent-when-renting-from-myself/#post-4540367" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Melbourne median property values up 5%? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4384156-melbourne-median-property-values-up-5/#post-4540493</link>
				<pubDate>Sat, 04 Feb 2006 15:55:18 +0000</pubDate>

									<content:encoded><![CDATA[<p>3056</p>
<p>correct</p>
<p>TLS after 2 years  <b>lose -$104K </b>on original $420k</p>
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				<title>hb replied to the topic Melbourne median property values up 5%? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4384156-melbourne-median-property-values-up-5/#post-4540490</link>
				<pubDate>Sat, 04 Feb 2006 13:38:06 +0000</pubDate>

									<content:encoded><![CDATA[<p>sorry guys<br />
i couldn&#8217;t believe 420k invested 2 yrs ago would make so much.<br />
had to check again<br />
and again&#8230;.</p>
<p>and yes here the FINAL figures</p>
<p>cba 2 years ago $30.59 today $43.88 420K invested today <b>$602k</b><br />
bhp 2 years ago $11.10 today $25.53 420k invested today <b>$966K</b></p>
<p>seddon 5 years ago 233K today 365K<br />
west melb 5 years ago 381k today 400k</p>
<p>ps if you&hellip;<span class="activity-read-more" id="activity-read-more-258353"><a href="https://www.propertyinvesting.com/topic/4384156-melbourne-median-property-values-up-5/#post-4540490" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Melbourne median property values up 5%? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4384156-melbourne-median-property-values-up-5/#post-4540489</link>
				<pubDate>Sat, 04 Feb 2006 13:23:10 +0000</pubDate>

									<content:encoded><![CDATA[<p>ignore last one..(thats was 5 yrs)</p>
<p>cba 2 years ago $30.59 today $43.88 420K invested today $530k<br />
bhp 2 years ago $11.10 today $25.53 420k invested today $851K</p>
<p>seddon 5 years ago 233K today 365K<br />
west melb 5 years ago 381k today 400k</p>
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				<title>hb replied to the topic cheap rent when renting from myself in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4384130-cheap-rent-when-renting-from-myself/#post-4540364</link>
				<pubDate>Sat, 04 Feb 2006 13:11:28 +0000</pubDate>

									<content:encoded><![CDATA[<p>sorry giddo<br />
im just about to retire 55<br />
so as one dummy to another we did similar things<br />
didn&#8217;t quite put the PPOr in a company thou<br />
so does that me a cleverer dummy?</p>
<p>the clever one&#8217;s where the accountants and tax laywers that got us involved in all those schemes over the last 30 years</p>
<p>i&#8217;m just about to sell the business, and eventhou it was&hellip;<span class="activity-read-more" id="activity-read-more-183895"><a href="https://www.propertyinvesting.com/topic/4384130-cheap-rent-when-renting-from-myself/#post-4540364" rel="nofollow">[Read more]</a></span></p>
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				<title>hb replied to the topic Reducing your taxable / declarable income in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4384115-reducing-your-taxable-declarable-income/#post-4540287</link>
				<pubDate>Sat, 04 Feb 2006 12:54:41 +0000</pubDate>

									<content:encoded><![CDATA[<p>terry<br />
you threw that reD herring in</p>
<p><i>&#8220;I have a residential property where I make the tenants pay all outgoings&#8221;</i></p>
<p>and now your backtracking</p>
<p>your not related to the PM are U?</p>
<p>dont answer that one&#8230;..<br />
i know the answer&#8230;&#8230;.</p>
<p>I KNOW NOTHING</p>
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				<title>hb replied to the topic Melbourne median property values up 5%? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4384156-melbourne-median-property-values-up-5/#post-4540488</link>
				<pubDate>Sat, 04 Feb 2006 12:45:47 +0000</pubDate>

									<content:encoded><![CDATA[<p>3056<br />
cba <b>2 years a</b>go $30.59 today $43.88 420K invested today $966k<br />
bhp <b>2 years ago </b>$11.10 today $25.53 420k invested today $600K</p>
<p>seddon <b>5 years ago </b>  233K today 365K<br />
west melb <b>5 years ago</b> 381k today 400k</p>
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				<title>hb replied to the topic Melbourne median property values up 5%? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4384156-melbourne-median-property-values-up-5/#post-4540487</link>
				<pubDate>Sat, 04 Feb 2006 12:33:16 +0000</pubDate>

									<content:encoded><![CDATA[<p>3056<br />
your right, soory,  its a property forum&#8230;..<br />
lets talk property</p>
<p>you buy 420k 10% deposit ..<br />
taking into account Stamp duty on transfer of land:(victoria),Stamp duty on mortgage,Registration of transfer of land,Â Â Title search,Registration of mortgage discharge,Loan application fee / package fee,Mortgage insurance,House ins&hellip;<span class="activity-read-more" id="activity-read-more-258351"><a href="https://www.propertyinvesting.com/topic/4384156-melbourne-median-property-values-up-5/#post-4540487" rel="nofollow">[Read more]</a></span></p>
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				<guid isPermaLink="false">50b9b555952a3248b5c5c36aa9df5055</guid>
				<title>hb replied to the topic Financial education in the forum Heads Up!</title>
				<link>https://www.propertyinvesting.com/topic/4384165-financial-education/#post-4540555</link>
				<pubDate>Sat, 04 Feb 2006 12:19:01 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi adriannqld</p>
<p>what a touching analysis of a predicament of life&#8230;..</p>
<p>wealth creation</p>
<p>over my lifetime i&#8217;ve worked with some of the wealthiest people in this country&#8230;..<br />
there are some sad lonely stories there</p>
<p>&#8220;the essence of happiness&#8221; by the dalai lama&#8230;.<br />
not in Powerpoint form..sorry&#8230;<br />
but might help in <i>&#8220;get them thinking but they need to&hellip;</i><span class="activity-read-more" id="activity-read-more-286722"><a href="https://www.propertyinvesting.com/topic/4384165-financial-education/#post-4540555" rel="nofollow">[Read more]</a></span></p>
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				<guid isPermaLink="false">0eb51e0c643213ae687110ad858ef8c9</guid>
				<title>hb replied to the topic BEWARE - African Bank Private Message !! in the forum Opinionated!</title>
				<link>https://www.propertyinvesting.com/topic/4384064-beware-african-bank-private-message/#post-4540037</link>
				<pubDate>Sat, 04 Feb 2006 12:01:29 +0000</pubDate>

									<content:encoded><![CDATA[<p>go camber&#8230;.</p>
<p>entrepreneurs at work&#8230;no different from the one&#8217;s using this forum<br />
maybe just not as palpable</p>
<p>and DrX<br />
<i>Sounds like an attractive offer to me, I think I&#8217;ll book my tickets to Africa and go and do business with this guy! </i><br />
I think maybe fix SA first&#8230;..<br />
&#8220;Our retail sales are the worst performing of any state or territory in&hellip;<span class="activity-read-more" id="activity-read-more-166334"><a href="https://www.propertyinvesting.com/topic/4384064-beware-african-bank-private-message/#post-4540037" rel="nofollow">[Read more]</a></span></p>
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