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	<title>PropertyInvesting.com | Henry Adams | Activity</title>
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				<title>Henry Adams replied to the topic List of Property Spruikers in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4410191-list-of-property-spruikers/#post-4695782</link>
				<pubDate>Tue, 29 Oct 2013 05:59:37 +0000</pubDate>

									<content:encoded><![CDATA[<p>Ah I see, because previously I have been conned by JDL strategies and also almost got caught up again with the Custodians Wealth Builder.&nbsp;<br />
I guess you are right guys when it comes to the free property then there is high chance that they are the scammers if they are all in one company offering one stop shop investment solution.&nbsp;</p>
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				<title>Henry Adams replied to the topic List of Property Spruikers in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4410191-list-of-property-spruikers/#post-4695779</link>
				<pubDate>Mon, 28 Oct 2013 07:08:13 +0000</pubDate>

									<content:encoded><![CDATA[<p>Ah cool.</p>
<p>Because when I go to the SCAM watch&nbsp;page, I couldn&#039;t find anything&nbsp;<a href="http://www.scamwatch.gov.au/content/index.phtml/tag/InvestmentSeminarsRealEstateScams" rel="nofollow">http://www.scamwatch.gov.au/content/index.phtml/tag/InvestmentSeminarsRealEstateScams</a></p>
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				<title>Henry Adams replied to the topic Who's research do you believe? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4409739-whos-research-do-you-believe/#post-4693434</link>
				<pubDate>Mon, 28 Oct 2013 06:15:09 +0000</pubDate>

									<content:encoded><![CDATA[<p>What about using RPData ?</p>
<p>usually I go to the website&nbsp;<a href="http://www.onthehouse.com.au/" rel="nofollow">http://www.onthehouse.com.au/</a> to know the rough figure and then do physical inspection of the property before making any further steps.</p>
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				<title>Henry Adams replied to the topic Destiny in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/destiny/#post-4642926</link>
				<pubDate>Mon, 28 Oct 2013 06:13:40 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thank you for sharing it here Fox.<br />
I also bit skeptical when it is coming to a property investor service to get something out of the state. Especially when it is negative geared component.</p>
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				<title>Henry Adams replied to the topic Renting out separate rooms in the forum Creative Investing</title>
				<link>https://www.propertyinvesting.com/topic/4408801-renting-out-separate-rooms/#post-4687079</link>
				<pubDate>Mon, 28 Oct 2013 05:56:11 +0000</pubDate>

									<content:encoded><![CDATA[<p>Exactly, so in this case just use Cash-In-Hand technique, untraceable by ATO and well proven method for majority of the land lord in overcrowded Sydney CBD apartment complex.</p>
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				<title>Henry Adams replied to the topic jdl strategies in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/4/#post-4640374</link>
				<pubDate>Wed, 27 Jun 2012 02:37:38 +0000</pubDate>

									<content:encoded><![CDATA[<p>Portfolio PI wrote:<br />
unless you are going to live in the property you do not get any first home buyers grants or stamp duty concessions/rebates in QLD. you would only be eligible for the $10,000 building grant if you purchased a brand new home.</p>
<p>it sounds like they have tried to sell you an overpriced unit and when you&#8217;ve questioned it they have&hellip;<span class="activity-read-more" id="activity-read-more-17450"><a href="https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/4/#post-4640374" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic Put extra $ into PPOR or IP? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4405771-put-extra-into-ppor-or-ip/page/2/#post-4663012</link>
				<pubDate>Mon, 06 Feb 2012 23:03:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>Jamie M wrote:</p>
<p>booge wrote:<br />
As far as IO goes, at what stage do you pay down the principle? Or is it just left IO until you sell it? Always wondered what people did and why in this situation.</p>
<p>As Richard mentioned above your post &#8211; you roll it over into another IO term.CheersJamie</p>
<p>So the IO loan has other name called Revolving line of credit ?</p>
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				<title>Henry Adams replied to the topic Put extra $ into PPOR or IP? in the forum Qlds007 wrote:
Reduce the</title>
				<link>https://www.propertyinvesting.com/topic/4405771-put-extra-into-ppor-or-ip/page/2/#post-4663007</link>
				<pubDate>Mon, 06 Feb 2012 14:07:50 +0000</pubDate>

									<content:encoded><![CDATA[<p>Qlds007 wrote:<br />
Reduce the repayment by switching to interest only.CheersYours in Finance</p>
<p>Hi Qlds007, by using IO loan for the PPOR, does that means we need to refinance it every 3 years or so when the IO promotion period ends ?</p>
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				<title>Henry Adams replied to the topic Cheap investment Unilodge studio caveats ? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4405774-cheap-investment-unilodge-studio-caveats/#post-4663032</link>
				<pubDate>Sat, 04 Feb 2012 12:40:19 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Catalyst,</p>
<p>Many thanks for the suggestion and advice.<br />
you are right it is too small and it doesn&#8217;t feels right.</p>
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				<title>Henry Adams replied to the topic Clarification of some negative gearing principles in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4405224-clarification-of-some-negative-gearing-principles/#post-4659085</link>
				<pubDate>Wed, 30 Nov 2011 04:17:34 +0000</pubDate>

									<content:encoded><![CDATA[<p>Ah, no wonder my loan is somehow reverts back to the PI after the end of terms by default.</p>
<p>Thanks Terry</p>
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				<title>Henry Adams replied to the topic Adding income protection on top of your loan ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4405309-adding-income-protection-on-top-of-your-loan/#post-4659681</link>
				<pubDate>Tue, 29 Nov 2011 22:55:52 +0000</pubDate>

									<content:encoded><![CDATA[<p>on second thought, yes you&#8217;re right Terry, it will attracts interest for the monthly payment for my existing IP monthly payment.<br />
You saved my $5400 this time <img src="/wp-content/uploads/smileys/smile.gif?x75824" width="" height="" alt=":-)" title=":-)" class="bbcode_smiley" /></p>
<p>So I&#8217;ll be hunting around in the following&hellip;<span class="activity-read-more" id="activity-read-more-183608"><a href="https://www.propertyinvesting.com/topic/4405309-adding-income-protection-on-top-of-your-loan/#post-4659681" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic Adding income protection on top of your loan ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4405309-adding-income-protection-on-top-of-your-loan/#post-4659680</link>
				<pubDate>Tue, 29 Nov 2011 22:51:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>Wow, thanks Terry for the fast reply, it only covers $4000 limit per month with no more than 6 benefits payments per claim within 12 month period.</p>
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				<title>Henry Adams replied to the topic Clarification of some negative gearing principles in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4405224-clarification-of-some-negative-gearing-principles/#post-4659083</link>
				<pubDate>Tue, 29 Nov 2011 22:29:41 +0000</pubDate>

									<content:encoded><![CDATA[<p>OK, so by having the IO loan, does that means we also need to refinance it every 5 years for the better deal or just renew it again for another 5 years ?</p>
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				<title>Henry Adams replied to the topic Can Anyone Help Me With An Equation  in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4405133-can-anyone-help-me-with-an-equation/#post-4658531</link>
				<pubDate>Sat, 12 Nov 2011 23:44:27 +0000</pubDate>

									<content:encoded><![CDATA[<p>try this link mate: <a href="http://www.bantacs.com.au/tools.php" rel="nofollow">http://www.bantacs.com.au/tools.php</a></p>
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				<title>Henry Adams replied to the topic Agency fee / commission included in the loan or pay cash ? in the forum Creative Investing</title>
				<link>https://www.propertyinvesting.com/topic/4404431-agency-fee-commission-included-in-the-loan-or-pay-cash/#post-4653760</link>
				<pubDate>Sat, 24 Sep 2011 02:12:17 +0000</pubDate>

									<content:encoded><![CDATA[<p>Gordie,</p>
<p>Yes you are right mate, somehow the $880 is the only price that i lost so far for the lifetime registration fee.<br />
They are only specializing in building new house in QLD area especially COOMERA. They didn&#8217;t tell me about this before until I realized that it was too late.</p>
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				<title>Henry Adams replied to the topic Should I set up a family trust in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4404597-should-i-set-up-a-family-trust/#post-4654942</link>
				<pubDate>Tue, 13 Sep 2011 23:31:59 +0000</pubDate>

									<content:encoded><![CDATA[<p>Ashley C wrote:<br />
Hi Henry, be very careful of that sort of strategy.  The ATO certainly does not like this sort of thing and have even published a &quot;taxpayer alert&quot; on one such scheme.<a href="http://law.ato.gov.au/atolaw/view.htm?docid=TPA/TA20011/NAT/ATO/00001" rel="nofollow">http://law.ato.gov.au/atolaw/view.htm?docid=TPA/TA20011/NAT/ATO/00001</a>The other factor to consider is that if using a trust to purchase a ppor then the CGT main&hellip;<span class="activity-read-more" id="activity-read-more-36515"><a href="https://www.propertyinvesting.com/topic/4404597-should-i-set-up-a-family-trust/#post-4654942" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic Should I set up a family trust in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4404597-should-i-set-up-a-family-trust/#post-4654941</link>
				<pubDate>Tue, 13 Sep 2011 22:11:56 +0000</pubDate>

									<content:encoded><![CDATA[<p>Terry, thanks for the advice that was just the advice from the seminar that I&#8217;ve attend.<br />
It seems that it is possible but with strict ruling.</p>
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				<title>Henry Adams replied to the topic Should I set up a family trust in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4404597-should-i-set-up-a-family-trust/#post-4654936</link>
				<pubDate>Tue, 13 Sep 2011 14:24:09 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;ve heard this strategy before in a seminar which said that the Cashflow from some of the IP can be pooled into Trust and then we buy the dream home with Trust account and then one of the Trust member &#8220;rent&#8221; the Dream home so that it can be tax deductible <img src="/wp-content/uploads/smileys/smile.gif?x75824" width="" height="" alt=":-)" title=":-)" class="bbcode_smiley" /></p>
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				<title>Henry Adams replied to the topic Double dip "W" - Recession (the pessimists will love this !) in the forum Heads Up!</title>
				<link>https://www.propertyinvesting.com/topic/4397837-double-dip-w-recession-the-pessimists-will-love-this/#post-4611552</link>
				<pubDate>Mon, 12 Sep 2011 00:14:41 +0000</pubDate>

									<content:encoded><![CDATA[<p>yes it is sounds depressing already guys&#8230;</p>
<p>after reading this news in the News:</p>
<p><a href="http://theage.domain.com.au/home-investor-centre/beware-of-the-false-profit-trap-20110909-1k0ek.html" rel="nofollow">http://theage.domain.com.au/home-investor-centre/beware-of-the-false-profit-trap-20110909-1k0ek.html</a></p>
<p>it seems that the future of the property market next year is not looking good.</p>
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				<title>Henry Adams replied to the topic How does Interest only loan gets paid off ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4404632-how-does-interest-only-loan-gets-paid-off/#post-4655221</link>
				<pubDate>Sun, 11 Sep 2011 14:31:15 +0000</pubDate>

									<content:encoded><![CDATA[<p>Cool,</p>
<p>thanks Michael for the explanation, I appreciate it.</p>
<p>Cheers,</p>
<p>Henry</p>
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				<title>Henry Adams replied to the topic Increase the loan or withdraw/use the existing equity to buy second IP ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4404636-increase-the-loan-or-withdrawuse-the-existing-equity-to-buy-second-ip/#post-4655250</link>
				<pubDate>Sun, 11 Sep 2011 10:02:41 +0000</pubDate>

									<content:encoded><![CDATA[<p>Richard and Jamie,</p>
<p>I am with Bankwest now and just wondering if what I&#8217;m doing is right.<br />
I have been told by the mortgage broker that i will not need to pay the fee for valuation suppose the value of my home is lesser than what I need to borrow. If it is more then the cost will be capitalize in the loan.</p>
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				<title>Henry Adams replied to the topic Cost in performing bank valuation to increase the loan ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4404682-cost-in-performing-bank-valuation-to-increase-the-loan/#post-4655584</link>
				<pubDate>Sun, 11 Sep 2011 00:43:22 +0000</pubDate>

									<content:encoded><![CDATA[<p>Yes, I&#8217;ll check that with Bankwest, because my current loan is just Home (P+I) Loan not the investor IO loan.</p>
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				<title>Henry Adams replied to the topic Think and Grow Rich in Property in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4397494-think-and-grow-rich-in-property/#post-4610163</link>
				<pubDate>Sun, 11 Sep 2011 00:23:34 +0000</pubDate>

									<content:encoded><![CDATA[<p>Cool, Thanks for the reply JacM</p>
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				<title>Henry Adams replied to the topic Cost in performing bank valuation to increase the loan ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4404682-cost-in-performing-bank-valuation-to-increase-the-loan/#post-4655582</link>
				<pubDate>Sun, 11 Sep 2011 00:22:41 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;m with Bankwest and yes I&#8217;m still on the special rate (1% discount) until june 2012<br />
So I was wondering if I should be paying for the valuation or it should be no charge at all.</p>
<p>Thanks for the reply Terry and Richard.</p>
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				<title>Henry Adams replied to the topic Increase the loan or withdraw/use the existing equity to buy second IP ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4404636-increase-the-loan-or-withdrawuse-the-existing-equity-to-buy-second-ip/#post-4655247</link>
				<pubDate>Sun, 11 Sep 2011 00:18:31 +0000</pubDate>

									<content:encoded><![CDATA[<p>Richard,</p>
<p>Thanks for the advise, from my understanding is that the broker told me to pay for the bank valuation fee if the value of my property has gone up greater than the buying price. So if it doesn&#8217;t then I do not have to pay for any fee.</p>
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				<title>Henry Adams replied to the topic Best wealth creation books? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4398697-best-wealth-creation-books/#post-4616631</link>
				<pubDate>Sat, 10 Sep 2011 15:25:26 +0000</pubDate>

									<content:encoded><![CDATA[<p>yes the TGR Property is a very good compendium of smaller books to give you a bigger picture of what to expect in property investment  world.</p>
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				<title>Henry Adams replied to the topic Think and Grow Rich in Property in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4397494-think-and-grow-rich-in-property/#post-4610161</link>
				<pubDate>Sat, 10 Sep 2011 15:24:02 +0000</pubDate>

									<content:encoded><![CDATA[<p>Yes I&#8217;ve been to the seminar today and I got the copy of TGR Property book. it is very great book to read which opens my mind to invest in property now.</p>
<p>I wonder what is the other book contents eg. TGR Cashflow</p>
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				<title>Henry Adams replied to the topic Increase the loan or withdraw/use the existing equity to buy second IP ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4404636-increase-the-loan-or-withdrawuse-the-existing-equity-to-buy-second-ip/#post-4655243</link>
				<pubDate>Tue, 06 Sep 2011 15:17:25 +0000</pubDate>

									<content:encoded><![CDATA[<p>AH IC so that the interest generated from this LOC account can be tax deductible.</p>
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				<title>Henry Adams replied to the topic How does Interest only loan gets paid off ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4404632-how-does-interest-only-loan-gets-paid-off/#post-4655219</link>
				<pubDate>Tue, 06 Sep 2011 14:59:15 +0000</pubDate>

									<content:encoded><![CDATA[<p>Terryw wrote:<br />
Also, you should be taking IO so that you could be paying off your PPOR faster. Or if you don&#039;t have one so that you can save up for one faster.Once you have paid off your PPOR you can then start paying down debt on the investment properties as well. (or save into an offset and then have the choice of buying more or paying off&hellip;<span class="activity-read-more" id="activity-read-more-180692"><a href="https://www.propertyinvesting.com/topic/4404632-how-does-interest-only-loan-gets-paid-off/#post-4655219" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic How does Interest only loan gets paid off ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4404632-how-does-interest-only-loan-gets-paid-off/#post-4655217</link>
				<pubDate>Tue, 06 Sep 2011 14:08:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>Terryw wrote:</p>
<p>Henry Adams wrote:<br />
, so does this means the only way to pay it off is to make sure that the IP is always double in value every 10 years ?</p>
<p>Imagine you had purchased a house in Sydney 30 years ago for about $30,000 and you had only ever used an IO loan. You would still owe $30,000 today.Now what would you expect to pay in rent for&hellip;<span class="activity-read-more" id="activity-read-more-180690"><a href="https://www.propertyinvesting.com/topic/4404632-how-does-interest-only-loan-gets-paid-off/#post-4655217" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic How does Interest only loan gets paid off ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4404632-how-does-interest-only-loan-gets-paid-off/#post-4655215</link>
				<pubDate>Tue, 06 Sep 2011 13:08:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>Shape wrote:<br />
It all depends on your overall strategy&#8230;easy for me to say but ill give you an example.</p>
<p>Mr and Mrs smiths strategy is to make $100,000 in capital growth&#8230;to further invest into another IP.</p>
<p>&#8211; 2005 buy a $400,000 property with I/O to improve cash flow so can purchase another IP sooner etc&#8230;<br />
&#8211; Since it was done as I/O rent = so&hellip;<span class="activity-read-more" id="activity-read-more-180688"><a href="https://www.propertyinvesting.com/topic/4404632-how-does-interest-only-loan-gets-paid-off/#post-4655215" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic Increase the loan or withdraw/use the existing equity to buy second IP ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4404636-increase-the-loan-or-withdrawuse-the-existing-equity-to-buy-second-ip/#post-4655241</link>
				<pubDate>Tue, 06 Sep 2011 12:20:59 +0000</pubDate>

									<content:encoded><![CDATA[<p>Terryw wrote:<br />
This is how I would do it.Value x 80% = X                           e.g $300,000 x 80% = $240,000X &#8211; Existing loan = LOC limit         eg. $240,0000 &#8211; $150,000 = $90,000 LOCSet up the LOC on this property and only use that LOC for deposits and costs for the next property.Buy $300,000 property. Get a 90% IO loan of $270,000 and tak&hellip;<span class="activity-read-more" id="activity-read-more-12003"><a href="https://www.propertyinvesting.com/topic/4404636-increase-the-loan-or-withdrawuse-the-existing-equity-to-buy-second-ip/#post-4655241" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic best investor loans in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4404394-best-investor-loans/#post-4653462</link>
				<pubDate>Tue, 06 Sep 2011 12:08:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>Jamie M wrote:</p>
<p>Terryw wrote:<br />
Henry, what is a &quot;semi fire-walling method&quot;?</p>
<p>Good question. Is this in one of Steve&#039;s books?Do you just mean setting up a second loan against a property which is used as  the deposit/purchasing costs on another &#8211; and then you source the remaining funds for the second property from the same bank or another? This&hellip;<span class="activity-read-more" id="activity-read-more-30314"><a href="https://www.propertyinvesting.com/topic/4404394-best-investor-loans/#post-4653462" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic best investor loans in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4404394-best-investor-loans/#post-4653459</link>
				<pubDate>Tue, 06 Sep 2011 05:34:11 +0000</pubDate>

									<content:encoded><![CDATA[<p>Shape wrote:<br />
Hi,</p>
<p>This is the first time i heard of this term&#8230;.reading your response it doesn&#8217;t make sense&#8230;if the borrower is having financial problem with one of the   loan then they most likly would have problem with the another one as well given it&#8217;s with the SAME lender and SAME security? just a different loan&hellip;<span class="activity-read-more" id="activity-read-more-30311"><a href="https://www.propertyinvesting.com/topic/4404394-best-investor-loans/#post-4653459" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic Mortgage broker commission and trailing fees rebate in the forum Opinionated!</title>
				<link>https://www.propertyinvesting.com/topic/4395485-mortgage-broker-commission-and-trailing-fees-rebate/page/6/#post-4599659</link>
				<pubDate>Tue, 06 Sep 2011 05:28:59 +0000</pubDate>

									<content:encoded><![CDATA[<p>SallyFarrow &#8211; YourShare.com.au wrote:<br />
Hi Henry,</p>
<p>Some other good questions would be:</p>
<p>What is the best suited type of loan with features such as offsets, redraws, etc<br />
What the best rates are and what are the restrictions the lender enforces for those lower rates (no self employed applicants etc)<br />
How much the broker is being paid for your home&hellip;<span class="activity-read-more" id="activity-read-more-266510"><a href="https://www.propertyinvesting.com/topic/4395485-mortgage-broker-commission-and-trailing-fees-rebate/page/6/#post-4599659" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic Structure for 2nd &#38; 3rd IP in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4402549-structure-for-2nd-3rd-ip/#post-4640275</link>
				<pubDate>Mon, 05 Sep 2011 14:24:43 +0000</pubDate>

									<content:encoded><![CDATA[<p>Tommy1 wrote:<br />
Looking for a few idea&#8217;s in how to structure the finance for my next few properties.<br />
Situation is as follows:<br />
PPOR value $275,000<br />
Owe $45,000 Principal/interest<br />
Equity $$235,000<br />
Cash $20,000 (would rather not use any of this. Currently sitting in offset account on PPOR, PPOR loan is therefore effectively $25k)</p>
<p>IP1<br />
value $300k<br />
LOC&hellip;<span class="activity-read-more" id="activity-read-more-236640"><a href="https://www.propertyinvesting.com/topic/4402549-structure-for-2nd-3rd-ip/#post-4640275" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic best investor loans in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4404394-best-investor-loans/#post-4653457</link>
				<pubDate>Mon, 05 Sep 2011 14:23:20 +0000</pubDate>

									<content:encoded><![CDATA[<p>Terry, sorry to cause confusion around.</p>
<p>the term firewalling is when we set a loan after we have enough equity and transfer it to another bank.</p>
<p>semi firewalling is when the bank/lender is the same (within the same bank) but the loan is split across two different facilities, therefore with both method if somehow the borrower having difficulties&hellip;<span class="activity-read-more" id="activity-read-more-30309"><a href="https://www.propertyinvesting.com/topic/4404394-best-investor-loans/#post-4653457" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic Mortgage broker commission and trailing fees rebate in the forum Opinionated!</title>
				<link>https://www.propertyinvesting.com/topic/4395485-mortgage-broker-commission-and-trailing-fees-rebate/page/6/#post-4599657</link>
				<pubDate>Mon, 05 Sep 2011 14:19:04 +0000</pubDate>

									<content:encoded><![CDATA[<p>Cool, thanks for the reply Michael</p>
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				<title>Henry Adams replied to the topic Using mortgage broker vs. applying directly to the bank ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4404421-using-mortgage-broker-vs-applying-directly-to-the-bank/page/2/#post-4653695</link>
				<pubDate>Tue, 30 Aug 2011 13:08:51 +0000</pubDate>

									<content:encoded><![CDATA[<p>Shape wrote:<br />
More hits = desparate ( as Terry mentioned )</p>
<p>MOST ppl  once they get their first approval- they normally go with that.</p>
<p>Normally 2 outcomes with active credit file<br />
1. You got rejected by the another banks (something to hide? something we don&#8217;t know?)<br />
2. You may have gotten accepted but is shopping around on your own accord &#8211; so why&hellip;<span class="activity-read-more" id="activity-read-more-51611"><a href="https://www.propertyinvesting.com/topic/4404421-using-mortgage-broker-vs-applying-directly-to-the-bank/page/2/#post-4653695" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic Am I better off renting my house, and living in rent? in the forum Creative Investing</title>
				<link>https://www.propertyinvesting.com/topic/4404515-am-i-better-off-renting-my-house-and-living-in-rent/#post-4654315</link>
				<pubDate>Sun, 28 Aug 2011 23:59:09 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks Terry for explaining to us about that.</p>
<p>Cheers,</p>
<p>Henry</p>
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				<title>Henry Adams replied to the topic jdl strategies in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/4/#post-4640371</link>
				<pubDate>Sat, 27 Aug 2011 14:28:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>Portfolio PI wrote:</p>
<p>Terryw wrote:<br />
&#8230;&#8230;&#8230;.</p>
<p>Henry, if they have sent you contracts they should have all land and building details disclosed. The purchase packages that we send to our clients (bearing in mind we dont get involved with the mortgage side of things except referring who we use if people need one) are about an inch thick with&hellip;<span class="activity-read-more" id="activity-read-more-17447"><a href="https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/4/#post-4640371" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic jdl strategies in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/3/#post-4640370</link>
				<pubDate>Sat, 27 Aug 2011 14:20:53 +0000</pubDate>

									<content:encoded><![CDATA[<p>Terryw wrote:<br />
Josh,It would be possible to split the loan into 2 so Henry could have one for the land and one for the construction. I dont&#039; really think there is any benefit to this though.I was wondering about the stamp duty too. Maybe the builder is paying it by including it in the price of the land.Henry, good way to learn things isn&#039;t&hellip;<span class="activity-read-more" id="activity-read-more-15360"><a href="https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/3/#post-4640370" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic jdl strategies in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/3/#post-4640369</link>
				<pubDate>Sat, 27 Aug 2011 14:18:12 +0000</pubDate>

									<content:encoded><![CDATA[<p>Portfolio PI wrote:<br />
Hi Henry,</p>
<p>Okay now I am confused again. In another post you mentioned that JDL were trying to sell you a 2 bed unit for $435k. Is this still the same property? if so, then there is no &#8220;split loan&#8221; for the property itself. Maybe a split loan for the deposit and balance but you cant buy a unit / townhouse with 2 separate&hellip;<span class="activity-read-more" id="activity-read-more-15359"><a href="https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/3/#post-4640369" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic jdl strategies in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/3/#post-4640364</link>
				<pubDate>Fri, 26 Aug 2011 14:37:56 +0000</pubDate>

									<content:encoded><![CDATA[<p>Portfolio PI wrote:<br />
$200 per week?? thats even worse!</p>
<p>currently the median sales price in Coomera for houses is $388,500 and has not been over $400k. The median sales price for units is $239k.</p>
<p>To try and sting you over $400,000 for a 2 bed unit is crazy! i would love to know the address to do an owner search and see if they or someone there&hellip;<span class="activity-read-more" id="activity-read-more-15354"><a href="https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/3/#post-4640364" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic jdl strategies in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/3/#post-4640362</link>
				<pubDate>Fri, 26 Aug 2011 07:15:17 +0000</pubDate>

									<content:encoded><![CDATA[<p><a href='https://www.propertyinvesting.com/members/Derek/' rel="nofollow">@Derek</a> and Josh: yes you guys are right, many thanks for saving my equities down the drain further, I was under the impression that by sacrificing $ 231 per week for the negative gearing IP in QLD it will be payable when the next booming cycle is on approximately 8-9 years assuming I always hold the IP and yes <a href='https://www.propertyinvesting.com/members/josh/' rel="nofollow">@Josh</a> you summarize it in more&hellip;<span class="activity-read-more" id="activity-read-more-15352"><a href="https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/3/#post-4640362" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic Metropole Property Strategist vs Custodian Wealth Builders in the forum Creative Investing</title>
				<link>https://www.propertyinvesting.com/topic/4404266-metropole-property-strategist-vs-custodian-wealth-builders/#post-4652515</link>
				<pubDate>Fri, 26 Aug 2011 02:27:14 +0000</pubDate>

									<content:encoded><![CDATA[<p>SHoltz, Yes so do I, but it is their way of making money out of the momentum like today mate.</p>
<p>so far CWB is more expensive as they charge in percentage as oppose to flat fee with JDL Strategies. So if you are interested to buy in QLD and&#8230;.do not have time to do all of the due diligence, then you&#8217;d be better off go with JDL strategies.</p>
<p>I&#8217;m not&hellip;<span class="activity-read-more" id="activity-read-more-36486"><a href="https://www.propertyinvesting.com/topic/4404266-metropole-property-strategist-vs-custodian-wealth-builders/#post-4652515" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic Metropole Property Strategist vs Custodian Wealth Builders in the forum Creative Investing</title>
				<link>https://www.propertyinvesting.com/topic/4404266-metropole-property-strategist-vs-custodian-wealth-builders/#post-4652513</link>
				<pubDate>Fri, 26 Aug 2011 01:44:09 +0000</pubDate>

									<content:encoded><![CDATA[<p><a href='https://www.propertyinvesting.com/members/new2invest/' rel="nofollow">@new2invest</a>: I was going to CWB seminar with JLF as the speaker, they will charge you 3% from the property fee for their commission while the subsequent purchase will be 2%</p>
<p>I also joined with JDL strategies by paying $880 once off for lifetime membership but they&#8217;ll charge you fee $8700 for the first buy and then $3700 for the subsequent&hellip;<span class="activity-read-more" id="activity-read-more-332054"><a href="https://www.propertyinvesting.com/topic/4404266-metropole-property-strategist-vs-custodian-wealth-builders/#post-4652513" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic Metropole Property Strategist vs Custodian Wealth Builders in the forum Creative Investing</title>
				<link>https://www.propertyinvesting.com/topic/4404266-metropole-property-strategist-vs-custodian-wealth-builders/#post-4652513</link>
				<pubDate>Fri, 26 Aug 2011 01:44:09 +0000</pubDate>

									<content:encoded><![CDATA[<p><a href='https://www.propertyinvesting.com/members/new2invest/' rel="nofollow">@new2invest</a>: I was going to CWB seminar with JLF as the speaker, they will charge you 3% from the property fee for their commission while the subsequent purchase will be 2%</p>
<p>I also joined with JDL strategies by paying $880 once off for lifetime membership but they&#8217;ll charge you fee $8700 for the first buy and then $3700 for the subsequent&hellip;<span class="activity-read-more" id="activity-read-more-36484"><a href="https://www.propertyinvesting.com/topic/4404266-metropole-property-strategist-vs-custodian-wealth-builders/#post-4652513" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic jdl strategies in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/3/#post-4640359</link>
				<pubDate>Thu, 25 Aug 2011 14:53:57 +0000</pubDate>

									<content:encoded><![CDATA[<p><a href='https://www.propertyinvesting.com/members/josh/' rel="nofollow">@Josh</a>, yes many thanks for your input and suggestion mate, I appreciate that. JDL confirms that the next big boom in housing and property is in QLD, especially COOMERA, when I asked them why not NSW metro or regional area, they said it is already over priced and not good for the following reason (cannot negative gearing which means CF+ increasing&hellip;<span class="activity-read-more" id="activity-read-more-15343"><a href="https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/3/#post-4640359" rel="nofollow">[Read more]</a></span></p>
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				<title>Henry Adams replied to the topic jdl strategies in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/3/#post-4640356</link>
				<pubDate>Thu, 25 Aug 2011 08:20:15 +0000</pubDate>

									<content:encoded><![CDATA[<p>Portfolio PI wrote:</p>
<p>Henry,</p>
<p>expensive or not, it is un-necessary. Our company for example, sells investment properties, we charge an REIQ capped real estate commission. A mortgage broker makes a commission and quite often a trailing fee from the bank, an accountant charges you by the hour, a lawyer charges by the hour. All of these fees are&hellip;<span class="activity-read-more" id="activity-read-more-15337"><a href="https://www.propertyinvesting.com/topic/4402555-jdl-strategies-2/page/3/#post-4640356" rel="nofollow">[Read more]</a></span></p>
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