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	<title>PropertyInvesting.com | illuminati | Activity</title>
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				<title>illuminati replied to the topic Post Code Stats in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4401988-post-code-stats/#post-4636875</link>
				<pubDate>Wed, 24 Nov 2010 14:32:27 +0000</pubDate>

									<content:encoded><![CDATA[<p>lol, no idea when the data was collected for that site, but it is probably about the same as the abs.  i just stumbled on this site as i was looking up a postcode for an area.</p>
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				<title>illuminati replied to the topic house or investment in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401916-house-or-investment/#post-4636366</link>
				<pubDate>Wed, 17 Nov 2010 08:20:01 +0000</pubDate>

									<content:encoded><![CDATA[<p>wanting to buy your home is a nice dream, but investing is a better one!if you could get a positive investment and rent instead of buying, assuming the rent is a good price. you would be much better off financially.  as the investment will provide extra benifits that you will not recieve from owning your own home.  a smart strategy is build up a&hellip;<span class="activity-read-more" id="activity-read-more-35299"><a href="https://www.propertyinvesting.com/topic/4401916-house-or-investment/#post-4636366" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic Building Pocket?  -  Muti-unit development in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4401863-building-pocket-muti-unit-development/#post-4636051</link>
				<pubDate>Wed, 17 Nov 2010 08:12:44 +0000</pubDate>

									<content:encoded><![CDATA[<p>yeah i think he has just made up his own name for a fairly standard thing.There are often a minimum lot size per dwelling,  and then minus the required open space,setback etc from this, and you can find out the size of each dwelling you can build. etc.So the &quot;pocket&quot;  is really just the minimum lot size.  then you have density, which is how man&hellip;<span class="activity-read-more" id="activity-read-more-37270"><a href="https://www.propertyinvesting.com/topic/4401863-building-pocket-muti-unit-development/#post-4636051" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic Where do i START! in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401918-where-do-i-start-10/#post-4636385</link>
				<pubDate>Wed, 17 Nov 2010 08:03:23 +0000</pubDate>

									<content:encoded><![CDATA[<p>there are lots of ways to start, but as you said you are looking for an area with positive cash flow, that puts you in the outer suburbs of cities, small downs, mine towns etc.If you want mining as you mentioned then start reading the news papers, finance papers, industry reports etc, to find up and coming mining expansions or investments.  this&hellip;<span class="activity-read-more" id="activity-read-more-58445"><a href="https://www.propertyinvesting.com/topic/4401918-where-do-i-start-10/#post-4636385" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic Buying 2nd property question in the forum you can get normally get a</title>
				<link>https://www.propertyinvesting.com/topic/4401866-buying-2nd-property-question/#post-4636061</link>
				<pubDate>Sat, 13 Nov 2010 00:33:07 +0000</pubDate>

									<content:encoded><![CDATA[<p>you can get normally get a line of credit using the equity.  but if his bank said no, either they are just crap, or there might be some other issues.  im sure a guru will answer soon though.</p>
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				<title>illuminati replied to the topic Buying for a son in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4401825-buying-for-a-son/#post-4635775</link>
				<pubDate>Thu, 11 Nov 2010 11:46:56 +0000</pubDate>

									<content:encoded><![CDATA[<p>also with the setup you have describes it sounds like a lease to own  check out &#8220;wraps&#8221; where they can &#8220;rent&#8221; at a rate that covers your mortgage and can pay out the property value at any time.  but this will not save you in stamp duty.   the way to do that would be as described before where you buy it as trustee for a trust where your son is a&hellip;<span class="activity-read-more" id="activity-read-more-37441"><a href="https://www.propertyinvesting.com/topic/4401825-buying-for-a-son/#post-4635775" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic A Bit Confused in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401850-a-bit-confused/#post-4635996</link>
				<pubDate>Thu, 11 Nov 2010 11:37:50 +0000</pubDate>

									<content:encoded><![CDATA[<p>it is generally as you first said.   the renovations increase the cost base of the property.  effectively just making it as if you paid more for it.</p>
<p>BUT there are catches&#8230; if you are deemed to be in the business of renovating properties then it counts as income and stock etc.   here is a page from the ato which gives some examples so you can&hellip;<span class="activity-read-more" id="activity-read-more-286116"><a href="https://www.propertyinvesting.com/topic/4401850-a-bit-confused/#post-4635996" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic New owner developer in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4401846-new-owner-developer/#post-4635913</link>
				<pubDate>Thu, 11 Nov 2010 06:27:21 +0000</pubDate>

									<content:encoded><![CDATA[<p>lenders tend to shy away from owner builders.   if you can show proof of your building skill or some history then it might give them more confidence in your skills.<br />
there is a tendency for owner builders to attempt more elaborate construction designs, or to not document the designs accurately enough, resulting in building mistakes, or cost over&hellip;<span class="activity-read-more" id="activity-read-more-99563"><a href="https://www.propertyinvesting.com/topic/4401846-new-owner-developer/#post-4635913" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic bank holding up settlement in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4401843-bank-holding-up-settlement/#post-4635893</link>
				<pubDate>Thu, 11 Nov 2010 04:36:25 +0000</pubDate>

									<content:encoded><![CDATA[<p>surely if they (the vendor) can charge you delay fees you can do the same to them?</p>
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				<title>illuminati replied to the topic Public Liability insurance for land in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4376084-public-liability-insurance-for-land/#post-4490325</link>
				<pubDate>Thu, 11 Nov 2010 01:52:59 +0000</pubDate>

									<content:encoded><![CDATA[<p>wow, its amazing how relevant people join and post right when a question arises.</p>
<p>some of the links on your about us page and stuff are miss coded.   so the links dont work unless you fiddle with the addy up the top.<br />
for example MFP links to  landcover.com.au/www.mfpins.com/<br />
and also the MFP page is coded without a title, so the page even though&hellip;<span class="activity-read-more" id="activity-read-more-51989"><a href="https://www.propertyinvesting.com/topic/4376084-public-liability-insurance-for-land/#post-4490325" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic use  equity on ppor to buy ip or not  in the forum in terms of if it is good or</title>
				<link>https://www.propertyinvesting.com/topic/4401796-use-equity-on-ppor-to-buy-ip-or-not/#post-4635641</link>
				<pubDate>Thu, 11 Nov 2010 01:45:31 +0000</pubDate>

									<content:encoded><![CDATA[<p>in terms of if it is good or not.</p>
<p>I think if you can get finance without using your ppor it would always be best.<br />
But if using your ppor gets you the best finance, or the only finance you can get access too, then its better to use it and get an IP.  then not invest at all.   assuming its a good investment.</p>
<p>in terms of tax,  often its the purpose&hellip;<span class="activity-read-more" id="activity-read-more-71554"><a href="https://www.propertyinvesting.com/topic/4401796-use-equity-on-ppor-to-buy-ip-or-not/#post-4635641" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic growing the portfolio? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401839-growing-the-portfolio/#post-4635862</link>
				<pubDate>Wed, 10 Nov 2010 12:21:35 +0000</pubDate>

									<content:encoded><![CDATA[<p>add value and redraw or sell.  thats basically it for getting the extra money for new properties i think.   unless you work and can save.  <img src="/wp-content/uploads/smileys/tongue.gif?x75824" width="" height="" alt=":P" title=":P" class="bbcode_smiley" /></p>
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				<title>illuminati replied to the topic Can I get rid of a bad selling agent? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401832-can-i-get-rid-of-a-bad-selling-agent/#post-4635821</link>
				<pubDate>Wed, 10 Nov 2010 11:18:41 +0000</pubDate>

									<content:encoded><![CDATA[<p>they send me out free hair dye from america, i make a video of me dying my hair, or other peoples.  and they give me a percent of profits from the company as well as the free dye and other merch.<br />
Basically they use me as advertising.   </p>
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				<title>illuminati replied to the topic Property and Silver - Mistake or not mistake in the forum when investing, good</title>
				<link>https://www.propertyinvesting.com/topic/4401820-property-and-silver-mistake-or-not-mistake/#post-4635736</link>
				<pubDate>Wed, 10 Nov 2010 10:44:19 +0000</pubDate>

									<content:encoded><![CDATA[<p>when investing, good practice is to always write down your entry and exit points.  for both good and bad scenarios.<br />
so you have almost tripled your money,  when do you sell and realize those gains? etc.</p>
<p>So i basically have the same advice, if you believe that guys advice, go for it.  just know when to sell if things start to decline, and buy&hellip;<span class="activity-read-more" id="activity-read-more-194824"><a href="https://www.propertyinvesting.com/topic/4401820-property-and-silver-mistake-or-not-mistake/#post-4635736" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic Can I get rid of a bad selling agent? in the forum DWolfe</title>
				<link>https://www.propertyinvesting.com/topic/4401832-can-i-get-rid-of-a-bad-selling-agent/#post-4635819</link>
				<pubDate>Wed, 10 Nov 2010 10:37:19 +0000</pubDate>

									<content:encoded><![CDATA[<p>DWolfe wrote:<br />
illuminati,just looked at ur blog, dude the hair colour! <img src="/wp-content/uploads/smileys/2thumbsup.gif?x75824" alt="" />D</p>
<p>cheers,</p>
<p>i get paid to dye mine and other peoples <img src="/wp-content/uploads/smileys/bigsmile.gif?x75824" width="" height="" alt=":D" title=":D" class="bbcode_smiley" />.   i got youtube channels etc that make money from all that stuff too!</p>
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				<title>illuminati replied to the topic Can I get rid of a bad selling agent? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401832-can-i-get-rid-of-a-bad-selling-agent/#post-4635816</link>
				<pubDate>Wed, 10 Nov 2010 09:42:49 +0000</pubDate>

									<content:encoded><![CDATA[<p>this is quite common, once you give them permission they just do what they think will get them the biggest dollars or quickest sale, depending on what they want.tips when doing this again is to know about exclusive listings,  negotiate their commission especially if they have exclusivity, some request you cover advertising costs, or in your case&hellip;<span class="activity-read-more" id="activity-read-more-248503"><a href="https://www.propertyinvesting.com/topic/4401832-can-i-get-rid-of-a-bad-selling-agent/#post-4635816" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic whats the point of owning an IP - does it really make money in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401834-whats-the-point-of-owning-an-ip-does-it-really-make-money/#post-4635835</link>
				<pubDate>Wed, 10 Nov 2010 08:32:29 +0000</pubDate>

									<content:encoded><![CDATA[<p>oh and just because this property is borderline for you,  doesnt mean all properties are.And as other said, its more of a skill.Buying a property and just trying to make money from holding it is not really much of a skill.   its just slightly more involved then using a bank.   renovating, subdividing, developing are more intensive skill wise&hellip;<span class="activity-read-more" id="activity-read-more-80407"><a href="https://www.propertyinvesting.com/topic/4401834-whats-the-point-of-owning-an-ip-does-it-really-make-money/#post-4635835" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic whats the point of owning an IP - does it really make money in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401834-whats-the-point-of-owning-an-ip-does-it-really-make-money/#post-4635834</link>
				<pubDate>Wed, 10 Nov 2010 08:26:57 +0000</pubDate>

									<content:encoded><![CDATA[<p>ok so i got bored at work.i did the bank loan at 8% so it gives you a bit of a buffer.160 000 property16 000 deposit=144 000 bank loaninterest ONLY   at 8%  = 11520 pa200 rent per week = 10400 paloss of 1120  not including rates etc.TAX SAVINGS, of 1332.3so-1120+1332.3 = profit of 212.3SO, you will be making a loss on this property, but the dep&hellip;<span class="activity-read-more" id="activity-read-more-80406"><a href="https://www.propertyinvesting.com/topic/4401834-whats-the-point-of-owning-an-ip-does-it-really-make-money/#post-4635834" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic whats the point of owning an IP - does it really make money in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401834-whats-the-point-of-owning-an-ip-does-it-really-make-money/#post-4635831</link>
				<pubDate>Wed, 10 Nov 2010 05:45:01 +0000</pubDate>

									<content:encoded><![CDATA[<p>what you are writing down seems very sporadically written, i am in a bit of a rush, but ill check it again and go over it when i get home from work.   but did you take into account how much the rent brings in?</p>
<p>basically think of tax benefits as extras.   get the rental income-the loan repayments and property costs (rates etc)   to lower the loan&hellip;<span class="activity-read-more" id="activity-read-more-80404"><a href="https://www.propertyinvesting.com/topic/4401834-whats-the-point-of-owning-an-ip-does-it-really-make-money/#post-4635831" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic Slow usless building company fairmont homes in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401829-slow-usless-building-company-fairmont-homes/#post-4635797</link>
				<pubDate>Wed, 10 Nov 2010 02:53:53 +0000</pubDate>

									<content:encoded><![CDATA[<p>not sure about an individual, but in development you can take them to arbitration or mediation and claim the costs that the delay has caused you.  but they will probably counter claim on the &#8220;rubbish&#8221; and the ground being too hard, you could present the soil samples etc&#8230; but basically it is a fight.</p>
<p>It is outside of court, and often heard by an&hellip;<span class="activity-read-more" id="activity-read-more-145251"><a href="https://www.propertyinvesting.com/topic/4401829-slow-usless-building-company-fairmont-homes/#post-4635797" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic What renovations are worthwhile? in the forum basically if you are getting</title>
				<link>https://www.propertyinvesting.com/topic/4401828-what-renovations-are-worthwhile/#post-4635790</link>
				<pubDate>Wed, 10 Nov 2010 02:35:16 +0000</pubDate>

									<content:encoded><![CDATA[<p>basically if you are getting a new place the only upgrades should be to fix cosmetic issues, as the house will be new.. it is hard to add value.<br />
Landscape is visual and can increase value if done right&#8230;. but make sure you design it for your target market.  will they want space? or a garden? etc.</p>
<p>double glazed is something that people notice&hellip;<span class="activity-read-more" id="activity-read-more-59197"><a href="https://www.propertyinvesting.com/topic/4401828-what-renovations-are-worthwhile/#post-4635790" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic Tell Me How You Got Started :) in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4400937-tell-me-how-you-got-started/#post-4630227</link>
				<pubDate>Tue, 09 Nov 2010 12:48:16 +0000</pubDate>

									<content:encoded><![CDATA[<p>picked up by the mag?  they read here?  or you contacted them?</p>
<p>I am in the process of getting started.<br />
I am about to start a career in construction management/project management at the age of 25.  just finishing up uni. studied quite a few courses over the last 8 years.</p>
<p>i am setting up a trust with my business partner soon, and going to be&hellip;<span class="activity-read-more" id="activity-read-more-118713"><a href="https://www.propertyinvesting.com/topic/4400937-tell-me-how-you-got-started/#post-4630227" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic Property Selection Help in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401792-property-selection-help/#post-4635604</link>
				<pubDate>Tue, 09 Nov 2010 12:18:30 +0000</pubDate>

									<content:encoded><![CDATA[<p>also otp allows for greater depreciation and some places have better stamp duty for otp.</p>
<p>depends if you plan on selling or holding it,   selling obviously the long construction time allowing the market to increase before you buy at the old prices.   and holding is the depreciation etc.</p>
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				<title>illuminati replied to the topic Family trust fund in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401821-family-trust-fund/#post-4635751</link>
				<pubDate>Tue, 09 Nov 2010 05:00:49 +0000</pubDate>

									<content:encoded><![CDATA[<p>research trusts and talk to accountants are the first steps.</p>
<p>benefits are being able to allocate profits to minimise tax, and a bit of added security.</p>
<p>downfalls are losses cant be moved out from the trust and some lenders dont do trusts, (but plenty do)</p>
<p>there are others but really depends on your situation.  is this for investment or to live in?</p>
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				<title>illuminati replied to the topic Property Selection Help in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401792-property-selection-help/#post-4635600</link>
				<pubDate>Tue, 09 Nov 2010 04:52:41 +0000</pubDate>

									<content:encoded><![CDATA[<p>cash flow negative?   there are plenty here in adelaide.  in lots of areas.     did you mean positive?</p>
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				<title>illuminati replied to the topic RESULTS enq in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401762-results-enq/#post-4635455</link>
				<pubDate>Sun, 07 Nov 2010 04:33:56 +0000</pubDate>

									<content:encoded><![CDATA[<p>yeah i have heard lots of good things&#8230; i just hate pages where they talk about how good it is without mentioning a price unless you contact them.   but i have met lots of results people, and they all said good things.</p>
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				<title>illuminati replied to the topic property developers in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401614-property-developers-2/#post-4634695</link>
				<pubDate>Thu, 28 Oct 2010 13:31:21 +0000</pubDate>

									<content:encoded><![CDATA[<p>basically even though the situation has changed&#8230;.. it really hasn&#8217;t.</p>
<p>you crunch the new numbers, and if you are in a better position by taking the development then do that,  if you believe you can make more by selling your property or doing the development yourself then do that.</p>
<p>But it sounds like you have a good understanding on equity, and&hellip;<span class="activity-read-more" id="activity-read-more-139072"><a href="https://www.propertyinvesting.com/topic/4401614-property-developers-2/#post-4634695" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic why does everyone want to retire at 40??? in the forum Opinionated!</title>
				<link>https://www.propertyinvesting.com/topic/4399778-why-does-everyone-want-to-retire-at-40/page/2/#post-4623549</link>
				<pubDate>Thu, 28 Oct 2010 00:39:02 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;m 25 and think of investing and business as my job.<br />
I love the game feel of it, and plan to do it as long as i can.</p>
<p>Yes i want to be financially independent,  but to me that means being able to sell a few of my business&#8217; or investments to pay down the debts and hire someone to manage the &#8220;business&#8221; for me.   BUT that doesn&#8217;t mean i will.</p>
<p>To me&hellip;<span class="activity-read-more" id="activity-read-more-222368"><a href="https://www.propertyinvesting.com/topic/4399778-why-does-everyone-want-to-retire-at-40/page/2/#post-4623549" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic Matt's question thread in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401678-matts-question-thread/#post-4635027</link>
				<pubDate>Wed, 27 Oct 2010 23:51:56 +0000</pubDate>

									<content:encoded><![CDATA[<p>yeah answers to most of these are out there, but ill give a few quick answers.</p>
<p>the CF+ houses that are CF+ as is without any extra dealing required are often in the outer suburbs because they are cheaper out there, and cheaper means less mortgage repayments.</p>
<p>CF+ and Capital Gains are a bit separate in that Capital Gains happen due to demand in&hellip;<span class="activity-read-more" id="activity-read-more-30041"><a href="https://www.propertyinvesting.com/topic/4401678-matts-question-thread/#post-4635027" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic Struggling to find finance in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401682-struggling-to-find-finance/#post-4635063</link>
				<pubDate>Wed, 27 Oct 2010 13:46:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>if you do find a solution i would be curious to know the details on what you did.</p>
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				<title>illuminati replied to the topic 0 to130 or 0 to 260+ ? in the forum I never read 0-130  but i</title>
				<link>https://www.propertyinvesting.com/topic/4401686-0-to130-or-0-to-260/#post-4635077</link>
				<pubDate>Wed, 27 Oct 2010 12:21:31 +0000</pubDate>

									<content:encoded><![CDATA[<p>I never read 0-130  but i read 1mill in 1 year.   and now reading 0-260.   1mil is more introduction and inspiration,   and the 0-260  is actually quite informative.</p>
<p>It took a while to get into it,  but once they start breaking down numbers and how to find proper properties etc it gets quite good.<br />
So i can recommend 0-260   and if you want more&hellip;<span class="activity-read-more" id="activity-read-more-229395"><a href="https://www.propertyinvesting.com/topic/4401686-0-to130-or-0-to-260/#post-4635077" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic Interesting Proposition - Different selling technique in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4401680-interesting-proposition-different-selling-technique/#post-4635053</link>
				<pubDate>Wed, 27 Oct 2010 02:46:02 +0000</pubDate>

									<content:encoded><![CDATA[<p>basically if you had some spare money and wanted to buy it outright it would be an alright deal,   if its tax deductible then thats another option but not sure if it is or not,</p>
<p>so 150k profit plus how ever much the property goes up in value over the next 20-40 years.</p>
<p>BUT  its a long term investment unless they are sick or something already&#8230;.&hellip;<span class="activity-read-more" id="activity-read-more-281451"><a href="https://www.propertyinvesting.com/topic/4401680-interesting-proposition-different-selling-technique/#post-4635053" rel="nofollow">[Read more]</a></span></p>
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				<guid isPermaLink="false">e53838c5dabb65b2a3db57b2c693393d</guid>
				<title>illuminati replied to the topic Property Blogs in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4401679-property-blogs/#post-4635029</link>
				<pubDate>Wed, 27 Oct 2010 01:18:14 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hey Jess,  you already added mine, but i guess i should post it on this page anyway. just so we can get everyones together!</p>
<p><a href="http://illuminati-myroadtoriches.blogspot.com/" rel="nofollow">http://illuminati-myroadtoriches.blogspot.com/</a></p>
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				<title>illuminati replied to the topic How to get your rate down ??? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4401670-how-to-get-your-rate-down/#post-4634981</link>
				<pubDate>Tue, 26 Oct 2010 10:25:06 +0000</pubDate>

									<content:encoded><![CDATA[<p>97% at 6.6 with no fees&#8230;. that sounds pretty good to me as it is&#8230; but maybe i&#8217;m not fussy.</p>
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				<title>illuminati replied to the topic property developers in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401614-property-developers-2/#post-4634692</link>
				<pubDate>Mon, 25 Oct 2010 13:25:15 +0000</pubDate>

									<content:encoded><![CDATA[<p>glad its a good deal for you,  let us know how it goes over time.</p>
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				<title>illuminati replied to the topic Lenders &#38; Legal People, please... in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4401419-lenders-legal-people-please/#post-4633555</link>
				<pubDate>Mon, 25 Oct 2010 12:02:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>Just to clarify on this situation,  if the deed is written so it lists   Daughter of beneficiary xxxx   or something like that,  with no names,   then lenders will not request all beneficiaries to sign the deed of trust?</p>
<p>Also will this stop them requesting non named beneficiaries to give personal guarantees?</p>
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				<title>illuminati replied to the topic Adelaide Accountant recommendation? in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4401631-adelaide-accountant-recommendation/#post-4634787</link>
				<pubDate>Mon, 25 Oct 2010 02:14:07 +0000</pubDate>

									<content:encoded><![CDATA[<p>just thought i would bump this up while more people were online</p>
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				<title>illuminati replied to the topic Water usage enquire in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4401641-water-usage-enquire/#post-4634836</link>
				<pubDate>Mon, 25 Oct 2010 01:55:59 +0000</pubDate>

									<content:encoded><![CDATA[<p>For the place i am currently staying in,  we have a water allowance, and are only charged on the excess over that amount.   so thats another way of doing it too.    but i am in SA.</p>
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				<title>illuminati replied to the topic Books on subdivisions in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401639-books-on-subdivisions-2/#post-4634832</link>
				<pubDate>Mon, 25 Oct 2010 01:21:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>good development books should have a section on subdivision.  but i don&#8217;t know any specific subdivision books.</p>
<p>When it came to learning about titles, i just googled&#8230; and make sure your pages are from australia.<br />
But people have probably asked questions about specific titles on forums, so can maybe do searches on those too.</p>
<p>Sorry cant help more.</p>
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				<title>illuminati replied to the topic property developers in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401614-property-developers-2/#post-4634686</link>
				<pubDate>Sun, 24 Oct 2010 03:25:16 +0000</pubDate>

									<content:encoded><![CDATA[<p>equity is basically the money that would be yours if you sold the property.<br />
So if you had a deposit of 100,000 and purchased the place for 300,000 with a 200,000 loan and it went up in value to 400,000.<br />
then your deposit<br />
100,000 plus the increase in value 100,000 is your equity.</p>
<p>or you can say the value of the house 400,000 minus your mortgage&hellip;<span class="activity-read-more" id="activity-read-more-139063"><a href="https://www.propertyinvesting.com/topic/4401614-property-developers-2/#post-4634686" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic property developers in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401614-property-developers-2/#post-4634683</link>
				<pubDate>Fri, 22 Oct 2010 12:13:51 +0000</pubDate>

									<content:encoded><![CDATA[<p>calculate the value of the house and the land that oyu will have at the end, and how much equity you currently have invested in the deal.</p>
<p>if the value of the new property is more then the equity you currently have invested&#8230; then work out how much better and go for it if its a good %.</p>
<p>if its not better, then i wouldn&#8217;t.  i&#8217;d sell the property&hellip;<span class="activity-read-more" id="activity-read-more-139061"><a href="https://www.propertyinvesting.com/topic/4401614-property-developers-2/#post-4634683" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic How much you want to earn monthly from your investment? in the forum Creative Investing</title>
				<link>https://www.propertyinvesting.com/topic/4401612-how-much-you-want-to-earn-monthly-from-your-investment/#post-4634679</link>
				<pubDate>Fri, 22 Oct 2010 12:11:42 +0000</pubDate>

									<content:encoded><![CDATA[<p>there are lots of things like that,   not something i would go into though.   just not my sort of thing&#8230; i like being in control.</p>
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				<title>illuminati replied to the topic How much you want to earn monthly from your investment? in the forum Creative Investing</title>
				<link>https://www.propertyinvesting.com/topic/4401612-how-much-you-want-to-earn-monthly-from-your-investment/#post-4634676</link>
				<pubDate>Fri, 22 Oct 2010 10:43:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>fractional?  what do you mean by that?</p>
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				<title>illuminati replied to the topic Introducing myself, and my plans for my Value adding portfolio. in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4401495-introducing-myself-and-my-plans-for-my-value-adding-portfolio/#post-4634005</link>
				<pubDate>Fri, 22 Oct 2010 10:13:35 +0000</pubDate>

									<content:encoded><![CDATA[<p>hey gambler,   i am just changing fields atm,   i was in the stock market and making good money.<br />
but pulled my money out a while ago, and 4 months ago put it in a term deposit just so it wasn&#8217;t sitting around.</p>
<p>So atm cashflow isn&#8217;t good, and that will be my biggest problem with getting loans.<br />
but i have talked to a few people and will be setting&hellip;<span class="activity-read-more" id="activity-read-more-253750"><a href="https://www.propertyinvesting.com/topic/4401495-introducing-myself-and-my-plans-for-my-value-adding-portfolio/#post-4634005" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic How much you want to earn monthly from your investment? in the forum Creative Investing</title>
				<link>https://www.propertyinvesting.com/topic/4401612-how-much-you-want-to-earn-monthly-from-your-investment/#post-4634674</link>
				<pubDate>Fri, 22 Oct 2010 10:06:34 +0000</pubDate>

									<content:encoded><![CDATA[<p>So many questions&#8230; its hard to know exactly what your asking.</p>
<p>But often people talk in the 8-10% range.  thats a nice return to look for.<br />
Some get much much more, and many get a little less, in the 6-7% range..</p>
<p>Some people are investors, so the location of the property is irrelevant, its the deal they want!<br />
Some people love property, and want&hellip;<span class="activity-read-more" id="activity-read-more-81726"><a href="https://www.propertyinvesting.com/topic/4401612-how-much-you-want-to-earn-monthly-from-your-investment/#post-4634674" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic Renovation consultant in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4401423-renovation-consultant/#post-4633624</link>
				<pubDate>Fri, 22 Oct 2010 09:55:08 +0000</pubDate>

									<content:encoded><![CDATA[<p>i am actually really tempted to use that service,  i see it as risk money, but if i get what they say then ill be happy.   so once i use it ill track down this post and update it with my experience&#8230;. could be a few months though.</p>
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				<title>illuminati replied to the topic POSITIVE GEARED in the forum Creative Investing</title>
				<link>https://www.propertyinvesting.com/topic/4401609-positive-geared-3/#post-4634656</link>
				<pubDate>Fri, 22 Oct 2010 09:52:14 +0000</pubDate>

									<content:encoded><![CDATA[<p>there are quite a few like that on there.</p>
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				<title>illuminati replied to the topic Introduce yourself  in the forum Forum Frolic</title>
				<link>https://www.propertyinvesting.com/topic/4401089-introduce-yourself/#post-4631135</link>
				<pubDate>Fri, 22 Oct 2010 09:39:28 +0000</pubDate>

									<content:encoded><![CDATA[<p>My name is luke,<br />
I currently live and study Construction Management and Economics in Adelaide</p>
<p>I like business have have 4-5 different &#8220;jobs&#8221; atm&#8230; but they vary from share trading to being paid to dye my hair bright colours for youtube.<br />
I hope to start buying properties/developments early next year.<br />
So i am here to learn and share!</p>
<p>My goals are&hellip;<span class="activity-read-more" id="activity-read-more-85736"><a href="https://www.propertyinvesting.com/topic/4401089-introduce-yourself/#post-4631135" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic offset vs term deposit??? in the forum Creative Investing</title>
				<link>https://www.propertyinvesting.com/topic/4401606-offset-vs-term-deposit/#post-4634636</link>
				<pubDate>Fri, 22 Oct 2010 06:21:50 +0000</pubDate>

									<content:encoded><![CDATA[<p>have to check what % you get in a term deposit and the money you would make in that time vs the money you save by offsetting the loan.</p>
<p>I did this these the other day as part of a presentation and for the figures i had it was much more beneficial to offset.  and that was with the current figures.</p>
<p>if interest rates rise over the next few months&hellip;<span class="activity-read-more" id="activity-read-more-109137"><a href="https://www.propertyinvesting.com/topic/4401606-offset-vs-term-deposit/#post-4634636" rel="nofollow">[Read more]</a></span></p>
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				<title>illuminati replied to the topic rental property costs in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4401601-rental-property-costs/#post-4634539</link>
				<pubDate>Fri, 22 Oct 2010 05:05:53 +0000</pubDate>

									<content:encoded><![CDATA[<p>we saw mice running around the house i am renting&#8230;. i put traps and bait out myself&#8230;.. i&#8217;m a big boy now!   <img src="/wp-content/uploads/smileys/tongue.gif?x75824" width="" height="" alt=":P" title=":P" class="bbcode_smiley" /></p>
<p>I&#8217;d just weigh up the costs of all these changes, vs finding new tenants if these ones decide to leave if the problems arent fixed.</p>
<p>Also weight up if they are problems most people would care about, or just these ones.</p>
<p>I would become&hellip;<span class="activity-read-more" id="activity-read-more-21852"><a href="https://www.propertyinvesting.com/topic/4401601-rental-property-costs/#post-4634539" rel="nofollow">[Read more]</a></span></p>
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