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	<title>PropertyInvesting.com | IPSpirit | Activity</title>
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				<title>IPSpirit replied to the topic Where have all the buyers gone? (Perth) in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4389322-where-have-all-the-buyers-gone-perth/#post-4566417</link>
				<pubDate>Fri, 20 Apr 2007 06:32:55 +0000</pubDate>

									<content:encoded><![CDATA[<p>In response to LA Aussie</p>
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				<title>IPSpirit replied to the topic Where have all the buyers gone? (Perth) in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4389322-where-have-all-the-buyers-gone-perth/#post-4566416</link>
				<pubDate>Fri, 20 Apr 2007 06:31:17 +0000</pubDate>

									<content:encoded><![CDATA[<p>May be worth it to see if that anticipated stamp duty relief creates more buying activity temporarily?</p>
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				<title>IPSpirit replied to the topic Where have all the buyers gone? (Perth) in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4389322-where-have-all-the-buyers-gone-perth/#post-4566413</link>
				<pubDate>Thu, 19 Apr 2007 13:37:27 +0000</pubDate>

									<content:encoded><![CDATA[<p>I worked out my yield on Shoalwater IP (near Rockingham) to be 2.5%! Not to worry though, first of many and I believe I will catch the next wave easily as someone once told me&#8230;</p>
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				<title>IPSpirit replied to the topic Annoying whiney pesky tenant..  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4389222-annoying-whiney-pesky-tenant/page/2/#post-4565894</link>
				<pubDate>Thu, 19 Apr 2007 13:27:04 +0000</pubDate>

									<content:encoded><![CDATA[<p>Don&#039;t worry man! I&#039;m paying 8.8% <img src="/wp-content/uploads/smileys/smiley-arrowhead.png?x75824" alt="" />But I quite like my PM. She does a good job and the paperwork gets sent each month. Unfortunately this rate was comparitable to the general market, but I did choose her over a guy offering 8.6% (the cheapest!!) because I think if you have a good rapport with them, it&#039;s a good start to effective communication. I&hellip;<span class="activity-read-more" id="activity-read-more-250577"><a href="https://www.propertyinvesting.com/topic/4389222-annoying-whiney-pesky-tenant/page/2/#post-4565894" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic colonial home loans in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4389269-colonial-home-loans/#post-4566119</link>
				<pubDate>Sat, 14 Apr 2007 11:07:49 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#039;ve got a loan with Colonial too. The number I call is: 13 24 07</p>
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				<title>IPSpirit replied to the topic buying; LPT's, acreage on the town's edge, warehouses and leasing them out in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4389144-buying-lpts-acreage-on-the-towns-edge-warehouses-and-leasing-them-out/#post-4565430</link>
				<pubDate>Thu, 05 Apr 2007 15:40:42 +0000</pubDate>

									<content:encoded><![CDATA[<p>what is an LPT?</p>
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				<title>IPSpirit replied to the topic IO Query in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4389132-io-query/#post-4565375</link>
				<pubDate>Thu, 05 Apr 2007 15:22:18 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Linda,You&#039;re right, I have been quite confused about the concept of IO for a while. I was chatting with a mate about it tonight. She said that by paying IO payments each month I am keeping the debt the same, but if I was to pay more than the minimum it would reduce the interest payments. I think I have gotten to the point where I can&#039;t see the&hellip;<span class="activity-read-more" id="activity-read-more-62132"><a href="https://www.propertyinvesting.com/topic/4389132-io-query/#post-4565375" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic Property Buyers Agents in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4388951-property-buyers-agents/#post-4564543</link>
				<pubDate>Wed, 04 Apr 2007 09:45:44 +0000</pubDate>

									<content:encoded><![CDATA[<p>Property Wizards in Perth are a great bunch, nothing is too much trouble and they keep in touch.</p>
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				<title>IPSpirit replied to the topic IO Query in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4389132-io-query/#post-4565374</link>
				<pubDate>Wed, 04 Apr 2007 05:26:24 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks for the replies everyone <img src="/wp-content/uploads/smileys/smiley-exhappy.png?x75824" alt="" />Yeah we would like to get a PPOR eventually, but not in the forseeable future because our rent is really cheap. My motivation for opening the offset is to use that money to pay down some principle on the current loan with the flexibility of being able to redraw should an emergency crop up. I&#039;m trying to get us in a&hellip;<span class="activity-read-more" id="activity-read-more-62130"><a href="https://www.propertyinvesting.com/topic/4389132-io-query/#post-4565374" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic IO Query in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4389132-io-query/#post-4565370</link>
				<pubDate>Tue, 03 Apr 2007 06:41:24 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks Rowdy. The interest payments are only slightly offset by the rental income and although there has been some capital growth, I doubt it is significant. You mention &#039;redraw&#039;, we are just about to open an offset linked to the P&amp;I (which is variable), but I still don&#039;t see the point in us paying huge interest payments when it seems like we&hellip;<span class="activity-read-more" id="activity-read-more-62126"><a href="https://www.propertyinvesting.com/topic/4389132-io-query/#post-4565370" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic Warnbro house in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4389107-warnbro-house/#post-4565238</link>
				<pubDate>Sat, 31 Mar 2007 04:46:25 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Simon,Congratulations on your offer being accepted! I&#039;ve got an IP in Shoalwater and use a local PM. I compiled a spreadsheet back in October &#039;06 detailing the fees and charges of various PMs in the area. I would be happy to email this to you if you like? It may serve as a guide to get you started.Regards,Dee</p>
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				<title>IPSpirit replied to the topic Is there such a thing as rent cycles? in the forum Hi Millions! Yes, I wrote</title>
				<link>https://www.propertyinvesting.com/topic/4389098-is-there-such-a-thing-as-rent-cycles/#post-4565221</link>
				<pubDate>Sat, 31 Mar 2007 03:48:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Millions! Yes, I wrote the post with the Shoalwater property in mind &#8211; you have a good memory <img src="/wp-content/uploads/smileys/happy.gif?x75824" alt="" />I definately want to hold on to it long term, even though it is negative right now, because I think it has good potential to grow in value eventually. I was thinking of what we could do for our next purchase though because we need to focus on something&hellip;<span class="activity-read-more" id="activity-read-more-220860"><a href="https://www.propertyinvesting.com/topic/4389098-is-there-such-a-thing-as-rent-cycles/#post-4565221" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic Rising sea levels - anyone threatened? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4388963-rising-sea-levels-anyone-threatened/#post-4564614</link>
				<pubDate>Sat, 24 Mar 2007 15:24:52 +0000</pubDate>

									<content:encoded><![CDATA[<p>There was a report on Foreign Correspondent last week which seems relevant to this thread:</p>
<p><a href="http://www.abc.net.au/foreign/content/2007/s1865416.htm" rel="nofollow">http://www.abc.net.au/foreign/content/2007/s1865416.htm</a></p>
<p>I also watched a thought provoking doco called &#8220;Who killed the electric car?&#8221; Not sure how old it is, but along the same lines as &#8220;An inconvenient truth&#8221;. While it is true that documentaries are&hellip;<span class="activity-read-more" id="activity-read-more-75821"><a href="https://www.propertyinvesting.com/topic/4388963-rising-sea-levels-anyone-threatened/#post-4564614" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic I told you so !!!!! in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4388413-i-told-you-so/page/4/#post-4562135</link>
				<pubDate>Wed, 07 Mar 2007 15:31:30 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Kelly,</p>
<p>I know you are a secondary teacher, but when I was in year 5 our teacher introduced a great concept called &#8220;the class bank&#8221;.<br />
We each got a fake bank book with a starting balance of $0. Good behaviour/participation/achievements was rewarded with $5 &#8211; $10 and bad behaviour resulted in $5 &#8211; $10 fines (a very effective strategy to curb bad&hellip;<span class="activity-read-more" id="activity-read-more-247776"><a href="https://www.propertyinvesting.com/topic/4388413-i-told-you-so/page/4/#post-4562135" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic Advantage of linking offset to interest only loan? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4388609-advantage-of-linking-offset-to-interest-only-loan/#post-4563105</link>
				<pubDate>Sun, 25 Feb 2007 12:16:19 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks for your point of view Richard. Back in July last year when the house stuff was happening I visited with 2 mortgage brokers. They both came up with the same lenders for recommendation, Westpac &amp; Colonial. Having never ventured into the world of IPs before, I figured I was doing myself a favour by getting someone more experienced to find me&hellip;<span class="activity-read-more" id="activity-read-more-212109"><a href="https://www.propertyinvesting.com/topic/4388609-advantage-of-linking-offset-to-interest-only-loan/#post-4563105" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic I told you so !!!!! in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4388413-i-told-you-so/page/2/#post-4562101</link>
				<pubDate>Sun, 25 Feb 2007 12:00:58 +0000</pubDate>

									<content:encoded><![CDATA[<p>Great topic!</p>
<p>I was chatting with my husband last night about our imaginary children. I told him that I am really looking forward to educating them about money when they are young so that they understand how to build wealth. He screwed up his nose and said &#8220;Nah, just make em get a job and they&#8217;ll soon learn the value of money&#8221;&#8230;not good enough as&hellip;<span class="activity-read-more" id="activity-read-more-171417"><a href="https://www.propertyinvesting.com/topic/4388413-i-told-you-so/page/2/#post-4562101" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic Advantage of linking offset to interest only loan? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4388609-advantage-of-linking-offset-to-interest-only-loan/#post-4563103</link>
				<pubDate>Sun, 25 Feb 2007 08:44:39 +0000</pubDate>

									<content:encoded><![CDATA[<p>I meant to say the loan is with Colonial.</p>
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				<title>IPSpirit replied to the topic Advantage of linking offset to interest only loan? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4388609-advantage-of-linking-offset-to-interest-only-loan/#post-4563102</link>
				<pubDate>Sun, 25 Feb 2007 08:17:04 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi duckster &amp; Terry,</p>
<p>Yes, the IO is fixed for 3 years and the P&amp;I is variable:</p>
<p>350k IO<br />
62k P&amp;I</p>
<p>This is for a negatively geared IP that we purchased last year in Perth (hence the unfortunate -ve situation). Our loan is with the Commonwealth, mortgage advantage package.<br />
So it seems that my mortgage broker was right with his advice based on the&hellip;<span class="activity-read-more" id="activity-read-more-240396"><a href="https://www.propertyinvesting.com/topic/4388609-advantage-of-linking-offset-to-interest-only-loan/#post-4563102" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic Renovate or second IP? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4388455-renovate-or-second-ip/#post-4562349</link>
				<pubDate>Fri, 16 Feb 2007 09:01:07 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks Milly, I was suggesting the same thing to my husband last night. The challenge is that my mum lent us 20% of the deposit + closing costs (via her equity) to get the house = 105k. She owns her house outright, but itâ€™s all she has, so I think we will have to wait until we can refinance and release her from the deal before we can reno&hellip;<span class="activity-read-more" id="activity-read-more-84791"><a href="https://www.propertyinvesting.com/topic/4388455-renovate-or-second-ip/#post-4562349" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic Renovate or second IP? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4388455-renovate-or-second-ip/#post-4562346</link>
				<pubDate>Thu, 15 Feb 2007 07:00:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks for the suggestions. I&#8217;m waiting to hear back from my PM regarding the demand for 4x2s on big blocks in the area. It is encouraging to hear that you think Shoalwater is in a good spot for the next boom Millions.</p>
<p>Ideally we&#8217;d like to hold on to the place for as long as possible to assist us with leverage for future IPs, otherwise I&#8217;m afraid&hellip;<span class="activity-read-more" id="activity-read-more-84789"><a href="https://www.propertyinvesting.com/topic/4388455-renovate-or-second-ip/#post-4562346" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic Can anyone recommend an accountant in Perth? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4388208-can-anyone-recommend-an-accountant-in-perth/#post-4561205</link>
				<pubDate>Wed, 14 Feb 2007 16:28:32 +0000</pubDate>

									<content:encoded><![CDATA[<p>Wow, I didn&#8217;t even know that accountants recommended IPs in their general line of work!</p>
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				<title>IPSpirit replied to the topic Can anyone recommend an accountant in Perth? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4388208-can-anyone-recommend-an-accountant-in-perth/#post-4561202</link>
				<pubDate>Sat, 10 Feb 2007 05:42:55 +0000</pubDate>

									<content:encoded><![CDATA[<p>Just a quick update to let you know that we went and saw Tony @ Mack &amp; Co this morning. He is by far the best accountant I&#8217;ve met, so we&#8217;ve decided to go with him.</p>
<p>Thanks so much Artaud &amp; Celeste for suggesting him [biggrin]</p>
<p>Thanks also to Wayne for your input and for sharing your experience with accountants. This forum is brilliant! [lmao]</p>
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				<title>IPSpirit replied to the topic Best Qus to ask Prop Managers in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4388364-best-qus-to-ask-prop-managers/#post-4561825</link>
				<pubDate>Fri, 09 Feb 2007 07:42:43 +0000</pubDate>

									<content:encoded><![CDATA[<p>I would ask how many properties each PM manages. If the number is really high, then you would question how capable they are of giving your property the attention it deserves. I&#8217;ve recently got a job at a property management place to get some experience and my boss manages nearly 100! For this reason I would not use her, even though she has a &#8216;good&hellip;<span class="activity-read-more" id="activity-read-more-76561"><a href="https://www.propertyinvesting.com/topic/4388364-best-qus-to-ask-prop-managers/#post-4561825" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic Can both of us salary sacrifice? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4388354-can-both-of-us-salary-sacrifice/#post-4561754</link>
				<pubDate>Wed, 07 Feb 2007 12:42:35 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;ve got an appointment with an accountant on Friday who was recommended via a previous post. He also is qualified to give financial advice, so armed with the information you have both given me, it will give me a head start to understanding what he says about it.</p>
<p>Thanks so much for your valued opinions [biggrin]</p>
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				<title>IPSpirit replied to the topic Can both of us salary sacrifice? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4388354-can-both-of-us-salary-sacrifice/#post-4561751</link>
				<pubDate>Wed, 07 Feb 2007 04:46:58 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks Simon.</p>
<p>So does that mean that we could both salary sacrifice the PPOR?</p>
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				<title>IPSpirit replied to the topic realestate.com.au vidcast in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4388274-realestate-com-au-vidcast/#post-4561452</link>
				<pubDate>Sun, 04 Feb 2007 08:46:14 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks LA Aussie <img src="/wp-content/uploads/smileys/smile.gif?x75824" width="" height="" alt=":)" title=":)" class="bbcode_smiley" /></p>
<p>I think the penny finally dropped about +ve cashflow vs +ve gearing. Now I know what to look for next time to get off the -ve gearing merrygoround.</p>
<p>[wacko]</p>
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				<title>IPSpirit replied to the topic Can anyone recommend an accountant in Perth? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4388208-can-anyone-recommend-an-accountant-in-perth/#post-4561200</link>
				<pubDate>Sun, 28 Jan 2007 10:42:59 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks Celeste, I really respect the opinion of fellow investors on this forum and would prefer to see someone who is recommended.</p>
<p>I&#8217;ve got a couple of leads so far, thanks to both you and Wayne [cap]</p>
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				<title>IPSpirit replied to the topic Can anyone recommend an accountant in Perth? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4388208-can-anyone-recommend-an-accountant-in-perth/#post-4561198</link>
				<pubDate>Sun, 28 Jan 2007 03:54:19 +0000</pubDate>

									<content:encoded><![CDATA[<p>Cheers Wayne, I&#8217;ll look it up and see what it&#8217;s all about [exhappy]</p>
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				<title>IPSpirit replied to the topic Can anyone recommend an accountant in Perth? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4388208-can-anyone-recommend-an-accountant-in-perth/#post-4561196</link>
				<pubDate>Sat, 27 Jan 2007 16:28:39 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks for sharing your experience and insight Wayne. What do you mean by &#8220;SMSF&#8221;?</p>
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				<title>IPSpirit replied to the topic New to market, should a buyers agent be used? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4387839-new-to-market-should-a-buyers-agent-be-used/#post-4559502</link>
				<pubDate>Sun, 07 Jan 2007 15:41:17 +0000</pubDate>

									<content:encoded><![CDATA[<p>or you can go to realestate.com.au and click on &#8220;Find Buyer&#8217;s agent&#8221;</p>
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				<title>IPSpirit replied to the topic positive or negative cashflow properties? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4387900-positive-or-negative-cashflow-properties/#post-4559820</link>
				<pubDate>Sun, 07 Jan 2007 15:19:15 +0000</pubDate>

									<content:encoded><![CDATA[<p>What about if the long term plan is to purchase IPs that will eventually fund a PPOR in a very desirable location? Could you take the chance buying  -ve geared properties (with good growth potential) and pay down the debt over time until they become +ve (or rent goes up)? The reason I ask is that someone (who is an experienced investor and works&hellip;<span class="activity-read-more" id="activity-read-more-256186"><a href="https://www.propertyinvesting.com/topic/4387900-positive-or-negative-cashflow-properties/#post-4559820" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic property manager/buyers agent in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4387884-property-managerbuyers-agent/#post-4559740</link>
				<pubDate>Sun, 07 Jan 2007 14:48:17 +0000</pubDate>

									<content:encoded><![CDATA[<p>P.S. I also found it really helpful to set up a spreadsheet to compare the fees and charges of local property managers. I got them all to either post or email me the info and then compiled the data. For me, it was easier to compare their prices on one page. I also went for a local PM because we only have the one property and they have local&hellip;<span class="activity-read-more" id="activity-read-more-236936"><a href="https://www.propertyinvesting.com/topic/4387884-property-managerbuyers-agent/#post-4559740" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic property manager/buyers agent in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4387884-property-managerbuyers-agent/#post-4559739</link>
				<pubDate>Sun, 07 Jan 2007 14:39:14 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Katie,</p>
<p>I used a buyer agent in WA to help me source our first property. I set up a meeting with the director who spent a couple of hours with me outlining what they do etc. Apparently this was a complete novelty for them as they rarely meet clients face to face, but it helped me to feel confident that I was parting with the finders fee for the&hellip;<span class="activity-read-more" id="activity-read-more-236935"><a href="https://www.propertyinvesting.com/topic/4387884-property-managerbuyers-agent/#post-4559739" rel="nofollow">[Read more]</a></span></p>
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				<guid isPermaLink="false">813eb42f22766c10955f09345daca011</guid>
				<title>IPSpirit replied to the topic How to negotiate flat fee for property management? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4386863-how-to-negotiate-flat-fee-for-property-management/page/3/#post-4555007</link>
				<pubDate>Sun, 07 Jan 2007 14:04:42 +0000</pubDate>

									<content:encoded><![CDATA[<p>LOL Wings! Thanks for your congratulations, same to you <img src="/wp-content/uploads/smileys/smile.gif?x75824" width="" height="" alt=":)" title=":)" class="bbcode_smiley" /></p>
<p>When I was &#8216;interviewing&#8217; PMs, one of my questions was &#8220;how many properties are you currently managing?&#8221; because I didn&#8217;t want to be some forgotten number. We&#8217;re doing ok in that respect as they are a small RE office (not part of a franchise). It must be quite frustrating for you to be&hellip;<span class="activity-read-more" id="activity-read-more-224959"><a href="https://www.propertyinvesting.com/topic/4386863-how-to-negotiate-flat-fee-for-property-management/page/3/#post-4555007" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic IO &#38; Offset or P&#38;I? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4387879-io-offset-or-pi/#post-4559705</link>
				<pubDate>Sun, 07 Jan 2007 13:26:19 +0000</pubDate>

									<content:encoded><![CDATA[<p>Is it still wise to get an IO loan on an IP that you plan to hold for the long, long term? Don&#8217;t you have to pay something off the principle eventually?</p>
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				<title>IPSpirit replied to the topic Finding a Investor and Purchasing Council Property in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4387868-finding-a-investor-and-purchasing-council-property/#post-4559627</link>
				<pubDate>Fri, 05 Jan 2007 09:49:03 +0000</pubDate>

									<content:encoded><![CDATA[<p>Can&#8217;t offer any advice regarding an outside investor, but my inlaws recently did the same thing in the UK. They bought their council house 3.5 years ago with the view of returning to Australia to live.</p>
<p>My father-in-law is on a disability pension and my mother-in-law did shift work on a factory production line, so it was really only her money&hellip;<span class="activity-read-more" id="activity-read-more-280206"><a href="https://www.propertyinvesting.com/topic/4387868-finding-a-investor-and-purchasing-council-property/#post-4559627" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic Bird doggers. Where/How do you find them in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4387845-bird-doggers-wherehow-do-you-find-them/#post-4559533</link>
				<pubDate>Fri, 05 Jan 2007 08:42:09 +0000</pubDate>

									<content:encoded><![CDATA[<p>You can also go to realestate.com.au and click on &#8216;Find me a buyer&#8217;s Agent&#8217;. This is where I found mine.</p>
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				<title>IPSpirit replied to the topic How to negotiate flat fee for property management? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4386863-how-to-negotiate-flat-fee-for-property-management/page/3/#post-4555005</link>
				<pubDate>Thu, 04 Jan 2007 07:16:17 +0000</pubDate>

									<content:encoded><![CDATA[<p>Bridgebuff &#8211; I phoned Centerlink, got shuffled around and couldn&#8217;t find a definitive answer. I was advised that payments have recently been increased until further review in March &#8217;07, but the woman could only guess that it was due to inflation. When I asked who could confirm this @ Centerlink, she said no one would know why they increase, they&hellip;<span class="activity-read-more" id="activity-read-more-194875"><a href="https://www.propertyinvesting.com/topic/4386863-how-to-negotiate-flat-fee-for-property-management/page/3/#post-4555005" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic How to negotiate flat fee for property management? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4386863-how-to-negotiate-flat-fee-for-property-management/page/3/#post-4555002</link>
				<pubDate>Thu, 04 Jan 2007 05:41:06 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi all! As far as I know there was only 1 suitable tenant who applied and she is the one living in it. I was hoping we could get $220/week, but she was the only one who was interested&#8230;for $200/week [blink]<br />
Admittedly, it was only advertised for a week, but I figured it was better to get someone in there to help with the mortgage asap for the&hellip;<span class="activity-read-more" id="activity-read-more-224956"><a href="https://www.propertyinvesting.com/topic/4386863-how-to-negotiate-flat-fee-for-property-management/page/3/#post-4555002" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic How to negotiate flat fee for property management? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4386863-how-to-negotiate-flat-fee-for-property-management/page/3/#post-4555001</link>
				<pubDate>Thu, 04 Jan 2007 05:40:11 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi all! As far as I know there was only 1 suitable tenant who applied and she is the one living in it. I was hoping we could get $220/week, but she was the only one who was interested&#8230;for $200/week [blink]<br />
Admittedly, it was only advertised for a week, but I figured it was better to get someone in there to help with the mortgage asap for the&hellip;<span class="activity-read-more" id="activity-read-more-117090"><a href="https://www.propertyinvesting.com/topic/4386863-how-to-negotiate-flat-fee-for-property-management/page/3/#post-4555001" rel="nofollow">[Read more]</a></span></p>
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				<guid isPermaLink="false">bb02abb306b69cb2a6270de1f2706b41</guid>
				<title>IPSpirit replied to the topic Question for Full-Time Renovators in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4387688-question-for-full-time-renovators/#post-4558733</link>
				<pubDate>Fri, 15 Dec 2006 06:38:40 +0000</pubDate>

									<content:encoded><![CDATA[<p>I was going to get my insurance through Western QBE, but was advised to go through Terry Sheer Insurance Brokers to get it cheaper rather than going to QBE direct. It did work out cheaper for us to do it this way.</p>
<p>Remember to read the fine print and best of luck.</p>
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				<title>IPSpirit replied to the topic Mortgage offset account in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4373123-mortgage-offset-account/#post-4469016</link>
				<pubDate>Mon, 04 Dec 2006 15:18:15 +0000</pubDate>

									<content:encoded><![CDATA[<p>CBA (Mortgage adv pack)). Perhaps that is why he said open it in the P&amp;I then, because it is the only portion not fixed that still has an interest component?</p>
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				<title>IPSpirit replied to the topic Mortgage offset account in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4373123-mortgage-offset-account/#post-4469014</link>
				<pubDate>Sun, 03 Dec 2006 15:35:40 +0000</pubDate>

									<content:encoded><![CDATA[<p>Having used the search function, I can&#8217;t find the answer to this one;</p>
<p>I want to open an offset account for our IP. It is a split loan. IO = 350k fixed for 3 yrs, P&amp;I = 62k variable. I phoned up my mortgage broker and he said I need to open the offset account against the P&amp;I portion rather than IO. When I phoned the bank they said they would&hellip;<span class="activity-read-more" id="activity-read-more-252163"><a href="https://www.propertyinvesting.com/topic/4373123-mortgage-offset-account/#post-4469014" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic Best materials for adding 2 bedroom + ensuite? in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4387466-best-materials-for-adding-2-bedroom-ensuite/#post-4557713</link>
				<pubDate>Sat, 25 Nov 2006 18:59:09 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Dee Dee<br />
Have you read Steve&#8217;s article on Negative Gearing.<br />
As I see it the best way to approach negative gearing is to pick an area with strong potential growth otherwise you ahve the potential to go seriously backwards.<br />
To my way of thinking, I would much prefer to do the renos and developements that put money in my pocket in a relatively&hellip;<span class="activity-read-more" id="activity-read-more-102343"><a href="https://www.propertyinvesting.com/topic/4387466-best-materials-for-adding-2-bedroom-ensuite/#post-4557713" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic Best materials for adding 2 bedroom + ensuite? in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4387466-best-materials-for-adding-2-bedroom-ensuite/#post-4557711</link>
				<pubDate>Fri, 24 Nov 2006 17:39:28 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hello again<br />
I would think that you would need council approval for any structural change. Just pose a hypothetical question to them and see what transpires.<br />
Is this place of yours currently +ve cashflow? Using The 11 sec solution it doesn&#8217;t look like it based on the info you supplied, it looks more like a Negatively geared property. Unless you&hellip;<span class="activity-read-more" id="activity-read-more-102341"><a href="https://www.propertyinvesting.com/topic/4387466-best-materials-for-adding-2-bedroom-ensuite/#post-4557711" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic Best materials for adding 2 bedroom + ensuite? in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4387466-best-materials-for-adding-2-bedroom-ensuite/#post-4557709</link>
				<pubDate>Thu, 23 Nov 2006 17:01:19 +0000</pubDate>

									<content:encoded><![CDATA[<p>Will have to hunt for the plans among end of year uni papers!<br />
The plan is to keep the place and continue to rent out. Unless it turns out to be a dud, we want to keep it and aquire others to eventually fund our retirement. Would I need council approval for this kind of reno? The council has suggested that they are not reviewing R Codes in the near&hellip;<span class="activity-read-more" id="activity-read-more-102339"><a href="https://www.propertyinvesting.com/topic/4387466-best-materials-for-adding-2-bedroom-ensuite/#post-4557709" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic I'm buying tomorrow - HELP!! in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4387432-im-buying-tomorrow-help/#post-4557564</link>
				<pubDate>Sat, 18 Nov 2006 18:57:01 +0000</pubDate>

									<content:encoded><![CDATA[<p>Subject to finance too. In WA there is no cooling off period.</p>
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				<title>IPSpirit replied to the topic Investors Club in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4387398-investors-club-7/#post-4557425</link>
				<pubDate>Thu, 16 Nov 2006 17:29:43 +0000</pubDate>

									<content:encoded><![CDATA[<p>Does anyone know if there is a group of investors who get together in Perth? Not regarding hidden agendas, just people into property?</p>
<p>[comp]</p>
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				<title>IPSpirit replied to the topic How to negotiate flat fee for property management? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4386863-how-to-negotiate-flat-fee-for-property-management/page/2/#post-4554994</link>
				<pubDate>Tue, 14 Nov 2006 15:29:43 +0000</pubDate>

									<content:encoded><![CDATA[<p>Well it just worked out that way because the surroundings have some desirable redeming features which I am confident will increase the property&#8217;s value over time and it was reasonably priced. I would have loved something that was the best of both worlds and I look forward to spotting them in the future.<br />
I will outline for you my deal with the&hellip;<span class="activity-read-more" id="activity-read-more-224884"><a href="https://www.propertyinvesting.com/topic/4386863-how-to-negotiate-flat-fee-for-property-management/page/2/#post-4554994" rel="nofollow">[Read more]</a></span></p>
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				<title>IPSpirit replied to the topic IS THE GREAT AUSTRALIAN DREAM FINALLY DEAD!!!!!!!! in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4387384-is-the-great-australian-dream-finally-dead/#post-4557262</link>
				<pubDate>Mon, 13 Nov 2006 20:15:29 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Peter,</p>
<p>I sympathise with you in many ways due to some commonalities between us. I&#8217;m at Uni in Perth (1.5 yrs to go) and I&#8217;m accumulating a HECS debt. I got interested in investing around your age (4 yrs ago) and watched helplessly as the Perth property boom passed us by, saving in vain for a deposit and also trying to pay off $13k in personal&hellip;<span class="activity-read-more" id="activity-read-more-14594"><a href="https://www.propertyinvesting.com/topic/4387384-is-the-great-australian-dream-finally-dead/#post-4557262" rel="nofollow">[Read more]</a></span></p>
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