Dear Mel,

Another bank manager in the Gold Coast? Gee, just what that area needs []

Mel, I appreciate your reply. In fact, I learn a lot from your posts and appreciate hearing about your personal experiences in dealing with RE. I hope you’ll continue to post on this forum. Your perspectives are valuable- I reckon a lot of newbies have been…[Read more]

Queenstown is considered to have a “lunar landscape”- so overly mined that trees won’t grow. Well, that’s what it was like when I was there a dozen years ago- there might be trees now? But the soil is considered very bad- it really is naked and bare land- very sad really.

For a time, the locals decided to use the lunar landscape as a tourist…[Read more]

Thanks folks :o)

I think it’s becoming easier for me to grasp as I think it through a little more- and thanks for your contributions. I guess I was wondering when does the bank say that, whilst you are entitled to borrow some large amoutn, that it becomes unserviceable due to large repayments. Seems some people on here have not huge incomes but a…[Read more]

neo,

It depends a lot upon your budget too- but it’s good to have a wish list ;O)

Sometimes it depends on if you want to get tenants or not. You might want lovely old stained-glass windows, but it might be more practical with tenants to have aluminium ones in case of breakage etc…

If you’re going to get an apartment instead of a house, if you…[Read more]

Shaun,

Interesting about that job you’re applying for- I’m on the panel. I’ll keep the following information in mind during your interview:

” i had to write up a job application which took a while. pretty hard to justify how great i am without actually having any knowledge on the subject. Being another public service application, i then had to…[Read more]

[]

kay henry

You funny guy Peter )))

I guess I just mean I like postmodernism because it’s anti-cult, anti-leader, and makes what once seemed “truth” to now just look retro. Yeah, a buck is a buck, and that is a fact, but the applications of that buck can work in many and varied ways.

I find postmodernism to be a very independent tool for thinking in terms…[Read more]

still_in_school,

Go to the Real Estate Institute of Australia website- reia.com.au and they have a “careers” section there.

Or just type “mortgage broker career qualifications” or something into google.com australia only site. It should bring everything on the topic up for you.

kay henry

Dear “powmow”… Do I detect a hint of sarcasm in your question? By the way, I do love postmodernism, if that’s what your nickname means. I love it’s deconstruction of “truth” and grand narratives- I find it useful for developing my perspectives on real estate too :o)

I have no “secrets” in my interest in real estate. I guess I use a combination…[Read more]

Dear Jason,

Go to bed!! But before you go, check out the vendor finance/wraps discussion board- there’s a funny topic on there.

kay henry *unmasked!*

Dear Jason,

Lucky you going to europe! I am going there too in February 2004. Courtesy of capital growth from an IP thank you very much I too have never travelled out of Australia before, so I presume it will be a blast. Have you thought of teaching in Japan? A few of my friends have done that, and onew doesn’t need a teaching degree to be able…[Read more]

Stuart,

I too enjoyed your article, although my finance is very limited, sadly :o)

Re gurus… I never see anyone as a guru. I think we’re all just people- all equal. I think a guru is considered to be one who has “followers” who blindly just take on ideas of another without scrutinising those ideas or their own values for themselves.

I have no…[Read more]

Crashy :o)

I think the point of the program was not about “bagging out”. I think the program wanted to look at the issues of wrapping. Probably many people in Australia aren’t aware of what wrapping is. There’s a discussion about the issues raised in the program on the vendor finance/wrapping forum )

kay henry

Oops! this topic was posted twice, and I got confused! Mel, I thought your response had disappeared!

kay henry

vivarto,

I’d love to meet up :o) I’m just concerned I’ll turn up to the cafe and you’ll all look like a keyboard! []

Vivarto, I haven;t called the Green Iguana- sorry :o( I still haven’t done my essay and life is a mess. Is that a good excuse?

Are we meeting up this weekend coming? I am going to qld the weekend after that, so won’t be in…[Read more]

westan- i just realised charles ash = cash ))

Cash will be king.

kay henry

Mel,

I found your investment story interesting too. Hey LuckyPhil- hope I’m not interrupting []

Mel, I almost got sucked into the two-marketing thing in SE qld about 12 years ago- videos, plane flights- the whole bit. I read somewhere the other day that it’s thought that about 40% of the properties in SE qld were two-tier marketed. I’m so glad…[Read more]

Jake,

Let google.com be your god, your guru and your nighttime companion )

I use google for everything I need to know, but there’s some things that must be *paid* for (ugh) such as recent sales prices for your area- from the Valuer General’s Office- unless you can con a friendly RE person to give you that stuff.

If I was looking to buy in…[Read more]

Chris said:

“All post are IMHO.”

Chris, this is a discussion board, and you should always put your opinion. There are heaps of people who will correct us if we’re wrong :o))

And any person will probably get a legal opinion or check out many places for info about their questions anyway. Much better than justifying a mistake made to an ATO…[Read more]

Erika,

I understand why you questioned my idea of having a pozz geared property. I guess I just have the idea that when we buy property, at some stage we’ll own it! That’s exciting for me- it seems a decent way to get wealthy. The tenant pays for some of it, and I pay for some of it. If it has capital growth, then it’s a bonus. If it doesn’t have…[Read more]