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	<title>PropertyInvesting.com | kinkso0o0o | Activity</title>
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				<title>kinkso0o0o replied to the topic When will you consider yourself to be "Rich"? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4386416-when-will-you-consider-yourself-to-be-rich/#post-4552671</link>
				<pubDate>Mon, 14 Aug 2006 06:34:09 +0000</pubDate>

									<content:encoded><![CDATA[<p>Ahhh, the ole glass is half empty eh? [biggrin]</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic To fix or not to fix, that is my question in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4386188-to-fix-or-not-to-fix-that-is-my-question/#post-4551721</link>
				<pubDate>Mon, 14 Aug 2006 01:14:06 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by JamesMc:</i><br />
have always taken out PI variable<br />
Hi, pretty new to this, so appologies for what is probably a simple question.<br />
What is &#8216;PI variable&#8217; as discussed?<br />
(Mind you, old Chinese proverb goes like &#8220;Any question with an answer is worth asking&#8221;)<br />
Thanks.<br />
James</p>
<p>PI variable = Principal+Interest Loan with Variable Interest&hellip;<span class="activity-read-more" id="activity-read-more-155646"><a href="https://www.propertyinvesting.com/topic/4386188-to-fix-or-not-to-fix-that-is-my-question/#post-4551721" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Student loan or property in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4386426-student-loan-or-property/#post-4552690</link>
				<pubDate>Sun, 13 Aug 2006 02:48:12 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by zerotaxforever:</i><br />
Firstly thankyou for your advice, I really think in the situation they are in that they need the property to pay for itself as they are both in the position of not having cashflow. My Aunty has equity sitting there doing nothing and in the mean time is frightened she will not have enough to retire one day as&hellip;<span class="activity-read-more" id="activity-read-more-37553"><a href="https://www.propertyinvesting.com/topic/4386426-student-loan-or-property/#post-4552690" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Student loan or property in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4386426-student-loan-or-property/#post-4552688</link>
				<pubDate>Fri, 11 Aug 2006 07:38:01 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by zerotaxforever:</i><br />
My 21 year old cousin has a insurance policy coming due soon to the value of $12,000. He is a uni student and needs to pay for his fees, however my Aunty and I are are suggesting that instead of it getting used up  and then thats it,  maybe investing it into property or other for the future. My Aunty is willing&hellip;<span class="activity-read-more" id="activity-read-more-37551"><a href="https://www.propertyinvesting.com/topic/4386426-student-loan-or-property/#post-4552688" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic When will you consider yourself to be "Rich"? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4386416-when-will-you-consider-yourself-to-be-rich/#post-4552663</link>
				<pubDate>Fri, 11 Aug 2006 02:51:12 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by simple:</i><br />
Rich is a specific condition when your profit is higher than your expenses.<br />
In other words you have â€œunusedâ€ funds left after all bills paid.<br />
On the other hand, wealthy is when your profits match your expensesâ€¦.<br />
This is my understanding of it.</p>
<p>Hmm, you can make a profit and not be rich. Im profitable&hellip;<span class="activity-read-more" id="activity-read-more-135037"><a href="https://www.propertyinvesting.com/topic/4386416-when-will-you-consider-yourself-to-be-rich/#post-4552663" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic When will you consider yourself to be "Rich"? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4386416-when-will-you-consider-yourself-to-be-rich/#post-4552661</link>
				<pubDate>Fri, 11 Aug 2006 02:01:17 +0000</pubDate>

									<content:encoded><![CDATA[<p>Yes, the journey is part of the dream, the nothaving to work is the icing on the cake for me. Theres no point living like a pauper with no friends/socialising, eating burnt toast and brains for 20 years just to retire early.</p>
<p><i>Originally posted by Young:</i><br />
<i>Originally posted by kinkso0o0o:</i></p>
<p>The dream is what its all about.</p>
<p>Im interperating this as&hellip;<span class="activity-read-more" id="activity-read-more-135035"><a href="https://www.propertyinvesting.com/topic/4386416-when-will-you-consider-yourself-to-be-rich/#post-4552661" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic When will you consider yourself to be "Rich"? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4386416-when-will-you-consider-yourself-to-be-rich/#post-4552659</link>
				<pubDate>Fri, 11 Aug 2006 00:53:27 +0000</pubDate>

									<content:encoded><![CDATA[<p>Yup, thats my aim Young.</p>
<p>If i can wake up one day and think, stuff it, i dont need to work today, then i&#8217;ll consider myself rich.</p>
<p>I choose my goals based on what i want out of life, and then work out the costs after.</p>
<p>&#8220;But the majority of you will be after a numerical figure.&#8221;</p>
<p>I disagree with you on that point Young, most people that ive spoken&hellip;<span class="activity-read-more" id="activity-read-more-135033"><a href="https://www.propertyinvesting.com/topic/4386416-when-will-you-consider-yourself-to-be-rich/#post-4552659" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic LOC. ANZ Equity Loans, which one? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4386378-loc-anz-equity-loans-which-one/#post-4552522</link>
				<pubDate>Thu, 10 Aug 2006 13:31:47 +0000</pubDate>

									<content:encoded><![CDATA[<p>yea, tis crazeh!</p>
<p>but i guess they&#8217;re just like any other people running a business. You have your dopes and you have your knowledgable ones. It all depends who you speak to in end it seems.</p>
<p>Its funny, I guess i thought banks would be different, but i guess thats just a stigma.</p>
<p>Cheers,</p>
<p>Damon</p>
<p>In theory, there is no difference between practice&hellip;<span class="activity-read-more" id="activity-read-more-37639"><a href="https://www.propertyinvesting.com/topic/4386378-loc-anz-equity-loans-which-one/#post-4552522" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic we want kids in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4386411-we-want-kids/#post-4552628</link>
				<pubDate>Thu, 10 Aug 2006 11:58:22 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Rayson,</p>
<p>Are the IP&#8217;s positive or negative cashflow?</p>
<p>600pw for own home!!!! yikes!!! 50K/year will not cut it I guarentee it!!</p>
<p>Im about to have my first child (about 4 weeks away) and have just gone through the process of &#8220;can we afford to keep the IP?&#8221;</p>
<p>We could easily keep the IP cos it was +CF however our PPOR costc $1800/month and we were&hellip;<span class="activity-read-more" id="activity-read-more-5532"><a href="https://www.propertyinvesting.com/topic/4386411-we-want-kids/#post-4552628" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic YOUNG PROPERTY INVESTORS club?? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4386082-young-property-investors-club/page/2/#post-4551309</link>
				<pubDate>Thu, 10 Aug 2006 00:22:27 +0000</pubDate>

									<content:encoded><![CDATA[<p>which city?</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic LOC. ANZ Equity Loans, which one? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4386378-loc-anz-equity-loans-which-one/#post-4552520</link>
				<pubDate>Tue, 08 Aug 2006 14:03:18 +0000</pubDate>

									<content:encoded><![CDATA[<p>Yes finally! <img src="/wp-content/uploads/smileys/bigsmile.gif?x75824" width="" height="" alt=":D" title=":D" class="bbcode_smiley" /></p>
<p>You wouldnt believe it either, after all that.</p>
<p>I emailed the branch manager today and told her what i had discovered and she replied saying casually &#8220;No worries, so shall we setup the Equity Manager then?&#8221;</p>
<p>*sigh*</p>
<p>As nice as pie as she is, I could have throttled her&#8230;.[evil4]</p>
<p>Cheers guys thanks for the hand.</p>
<p>Damon</p>
<p>In theory,&hellip;<span class="activity-read-more" id="activity-read-more-37637"><a href="https://www.propertyinvesting.com/topic/4386378-loc-anz-equity-loans-which-one/#post-4552520" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic How Hard Is It To Get Finance, With No Job?? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4386392-how-hard-is-it-to-get-finance-with-no-job/#post-4552551</link>
				<pubDate>Tue, 08 Aug 2006 13:52:40 +0000</pubDate>

									<content:encoded><![CDATA[<p>Do you have any other source of income?</p>
<p>Cheers,</p>
<p>Damon</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic LOC. ANZ Equity Loans, which one? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4386378-loc-anz-equity-loans-which-one/#post-4552517</link>
				<pubDate>Tue, 08 Aug 2006 04:18:53 +0000</pubDate>

									<content:encoded><![CDATA[<p>quick update:</p>
<p>I just got off the phone to one of the breakfree guys who was very helpful to my situation.</p>
<p>He set it straight and said there was no reason I couldnt go the Equity Manager loan and that there was no requirement for my salary to be deposited into the LOC.</p>
<p>So, serveral ANZ conversations later I have the required result. I just need&hellip;<span class="activity-read-more" id="activity-read-more-37634"><a href="https://www.propertyinvesting.com/topic/4386378-loc-anz-equity-loans-which-one/#post-4552517" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic LOC. ANZ Equity Loans, which one? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4386378-loc-anz-equity-loans-which-one/#post-4552516</link>
				<pubDate>Tue, 08 Aug 2006 03:25:56 +0000</pubDate>

									<content:encoded><![CDATA[<p>Forgot to mention, the LOC will be used 100% for investment purposes.</p>
<p>Cheers,</p>
<p>Damon</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic LOC. ANZ Equity Loans, which one? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4386378-loc-anz-equity-loans-which-one/#post-4552515</link>
				<pubDate>Tue, 08 Aug 2006 03:24:16 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Terry,</p>
<p>Yes, this is what I thought, however am being told different by ANZ.</p>
<p>Do you have a PPOR loan in your structure as well? I do, maybe that matters? As the AnZ said the Home Equity Loan would be better at keeping personal loans seperate from Investment loans. Unfortunetly i dont know cos ive never seen the product and tbh, i havent had&hellip;<span class="activity-read-more" id="activity-read-more-37632"><a href="https://www.propertyinvesting.com/topic/4386378-loc-anz-equity-loans-which-one/#post-4552515" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Did you create a "business plan"? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4386367-did-you-create-a-business-plan/#post-4552473</link>
				<pubDate>Mon, 07 Aug 2006 02:56:59 +0000</pubDate>

									<content:encoded><![CDATA[<p>Cata is right on the money!</p>
<p>When i think of a business plan tho, it seems to hard and complex. Instead I just break it all down, starting with goals. Real life goals. From there its all just project management imho.</p>
<p>Start from the end and work your way back to your current position whilst breaking it down into milestones.</p>
<p>Eg, I want to own a&hellip;<span class="activity-read-more" id="activity-read-more-195138"><a href="https://www.propertyinvesting.com/topic/4386367-did-you-create-a-business-plan/#post-4552473" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic To fix or not to fix, that is my question in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4386188-to-fix-or-not-to-fix-that-is-my-question/#post-4551719</link>
				<pubDate>Sun, 06 Aug 2006 02:10:37 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi elkam,</p>
<p>Im on the pro package with ANZ as well. I had 2 properties revalued a week ago. Normally they would do a drive by for both but i requested a internal inspection in one (lots of renos). The other was just a driveby by my request.</p>
<p>So i think its still the same if you request it.</p>
<p>Cheers,</p>
<p>Damon</p>
<p>In theory, there is no difference between&hellip;<span class="activity-read-more" id="activity-read-more-155644"><a href="https://www.propertyinvesting.com/topic/4386188-to-fix-or-not-to-fix-that-is-my-question/#post-4551719" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Property bust not here yet ... worse to come in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4385726-property-bust-not-here-yet-worse-to-come/page/4/#post-4548489</link>
				<pubDate>Sun, 06 Aug 2006 02:03:28 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi James,</p>
<p>Yes, positive thinking is very underrated. That said, there is positive thinking and there is foolish thinking. Positive thinking goes hands in hand with good research, go into every deal with your eyes wide open.</p>
<p>In every cycle, shares or property, there is an upside and a downside. Insure your downside by fixing rates, drawing equity&hellip;<span class="activity-read-more" id="activity-read-more-260383"><a href="https://www.propertyinvesting.com/topic/4385726-property-bust-not-here-yet-worse-to-come/page/4/#post-4548489" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Property bust not here yet ... worse to come in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4385726-property-bust-not-here-yet-worse-to-come/page/3/#post-4548485</link>
				<pubDate>Thu, 03 Aug 2006 01:33:18 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by gmh454:</i><br />
Thanks for the reply Damon appreciate your time.</p>
<p>Interesting times ahead, more so I think with the economy rather than property.</p>
<p>No problem gmh, its always good value to discuss these issues in an open forum where views can be challenged. It keeps us honest whether we like it or not <img src="/wp-content/uploads/smileys/smile.gif?x75824" width="" height="" alt=":)" title=":)" class="bbcode_smiley" /></p>
<p>One thing I forgot to&hellip;<span class="activity-read-more" id="activity-read-more-98302"><a href="https://www.propertyinvesting.com/topic/4385726-property-bust-not-here-yet-worse-to-come/page/3/#post-4548485" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Property bust not here yet ... worse to come in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4385726-property-bust-not-here-yet-worse-to-come/page/3/#post-4548483</link>
				<pubDate>Wed, 02 Aug 2006 02:49:48 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by gmh454:</i><br />
Damon okay, if the rise does not lead to</p>
<p>increased unemployment<br />
decreased consumption</p>
<p>then you may be right</p>
<p>As to &#8230;.&#8221;investors have to pass on the increased cost&#8221; I thought supply and demand would make such a possiblity irrelevant.<br />
What has a landlords problems got to do with renter A and B outbidding each other&hellip;<span class="activity-read-more" id="activity-read-more-233325"><a href="https://www.propertyinvesting.com/topic/4385726-property-bust-not-here-yet-worse-to-come/page/3/#post-4548483" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Property bust not here yet ... worse to come in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4385726-property-bust-not-here-yet-worse-to-come/page/3/#post-4548481</link>
				<pubDate>Wed, 02 Aug 2006 01:21:49 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by gmh454:</i><br />
<i>Originally posted by kinkso0o0o:</i></p>
<p>Ok, so what if the interest rates rise and the property market softens or bursts.</p>
<p>2. Rents rise</p>
<p>Damon</p>
<p>Damon I will ask you WHY.</p>
<p>Have asked that on this site before, without answer.</p>
<p>Why will rents rise in a slump, &#8230;</p>
<p>Building industry slides&#8230;<br />
people stop&hellip;<span class="activity-read-more" id="activity-read-more-233324"><a href="https://www.propertyinvesting.com/topic/4385726-property-bust-not-here-yet-worse-to-come/page/3/#post-4548481" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic YOUNG PROPERTY INVESTORS club?? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4386082-young-property-investors-club/page/2/#post-4551303</link>
				<pubDate>Tue, 01 Aug 2006 11:31:28 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;d be keen to join the party, er, club <img src="/wp-content/uploads/smileys/smile.gif?x75824" width="" height="" alt=":)" title=":)" class="bbcode_smiley" /></p>
<p>I&#8217;m 28, live in Adelaide and have a ppor and 1 ip.</p>
<p>happy to discuss anything investment related/experiences.</p>
<p>Cheers,</p>
<p>Damon</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic Property bust not here yet ... worse to come in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4385726-property-bust-not-here-yet-worse-to-come/page/3/#post-4548479</link>
				<pubDate>Tue, 01 Aug 2006 05:12:09 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi All, been ahwile since ive posted.</p>
<p>Ok, so what if the interest rates rise and the property market softens or bursts.</p>
<p>1. Housing becomes cheaper<br />
2. Rents rise</p>
<p>Which means the following for exisitng investors:</p>
<p>1. LVR increases</p>
<p>But this doesnt matter if you have a semi-secure income to manage the debt.</p>
<p>2. Yield increases</p>
<p>As more people&hellip;<span class="activity-read-more" id="activity-read-more-233322"><a href="https://www.propertyinvesting.com/topic/4385726-property-bust-not-here-yet-worse-to-come/page/3/#post-4548479" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic strategies for the future in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4379763-strategies-for-the-future/#post-4512743</link>
				<pubDate>Wed, 20 Apr 2005 14:46:57 +0000</pubDate>

									<content:encoded><![CDATA[<p>And mustard!</p>
<p>Sorry, couldnt help it <img src="/wp-content/uploads/smileys/bigsmile.gif?x75824" width="" height="" alt=":D" title=":D" class="bbcode_smiley" /></p>
<p>kinks</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic Refinancing PPOR in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4378531-refinancing-ppor/#post-4505386</link>
				<pubDate>Mon, 07 Feb 2005 12:46:14 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by stargazer:</i></p>
<p>You keep the 90000 and purchase another PPOR.<br />
or<br />
You purchase another IP</p>
<p>Just to followup from Simon, if you use the 90K to purchase another PPOR, No, you cannot claim the interest.<br />
However if you use the 90K to purchase a IP, Yes, you can claim the interest.</p>
<p>I had the same problem unfortunetly and have a fair&hellip;<span class="activity-read-more" id="activity-read-more-211980"><a href="https://www.propertyinvesting.com/topic/4378531-refinancing-ppor/#post-4505386" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Negotiating Interest Rates in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4378189-negotiating-interest-rates/#post-4503376</link>
				<pubDate>Tue, 01 Feb 2005 01:41:08 +0000</pubDate>

									<content:encoded><![CDATA[<p>Well, as promised I thought I&#8217;d let you know the outcome of my negotiations.</p>
<p>ANZ came to the party and gave me a further 0.5% discount off my variable loan part of my PPOR ($98000) for the life of the loan! This is without obligation as well!!</p>
<p>This brings it down from 7.07% to 6.57%, saving me about $15,000 interest.</p>
<p>It doesnt match St. George,&hellip;<span class="activity-read-more" id="activity-read-more-242382"><a href="https://www.propertyinvesting.com/topic/4378189-negotiating-interest-rates/#post-4503376" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Advice on Financing my great deal in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4378322-advice-on-financing-my-great-deal/#post-4504189</link>
				<pubDate>Fri, 28 Jan 2005 05:11:30 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by Ty:</i></p>
<p>3. or would i be better to wait till i have the $15,000 and then have all the money that we get in rent for myself.</p>
<p>Save the money. Dont borrow if you dont have to (as you said, you dont need the money immediately).</p>
<p>Definately get you name on the title/deed of the house.</p>
<p>Cheers</p>
<p>Damon</p>
<p>In theory, there is no&hellip;<span class="activity-read-more" id="activity-read-more-247023"><a href="https://www.propertyinvesting.com/topic/4378322-advice-on-financing-my-great-deal/#post-4504189" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Negotiating Interest Rates in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4378189-negotiating-interest-rates/#post-4503374</link>
				<pubDate>Mon, 24 Jan 2005 05:21:32 +0000</pubDate>

									<content:encoded><![CDATA[<p>Just spoke to ANZ and they seem to be willing to negotiate on the variable interest loans, after mentioning the stgeorge package. Waiting on a call back.</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic how to borrow 2 million in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4378126-how-to-borrow-2-million/#post-4503002</link>
				<pubDate>Sat, 22 Jan 2005 02:19:27 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Sansue6, it all depends on the <i>measured</i> risks.</p>
<p>The higher the measured risks, the higher your expected return and vice versa.</p>
<p>What are the risks of the project?</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic Negotiating Interest Rates in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4378189-negotiating-interest-rates/#post-4503373</link>
				<pubDate>Sat, 22 Jan 2005 02:15:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>Yea, I thought as much re: fixed rate loans.</p>
<p>Will let you know how I go re: the other loans.</p>
<p>Cheers</p>
<p>Damon</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic Negotiating Interest Rates in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4378189-negotiating-interest-rates/#post-4503370</link>
				<pubDate>Fri, 21 Jan 2005 13:19:14 +0000</pubDate>

									<content:encoded><![CDATA[<p>ANZ&#8217;s current 5 year fixed rate is now lower at 6.95%.</p>
<p>I wasnt sure how much negotiating I could do on the fixed rate loan, since after all, i fixed it at 7.2% 10 months ago.</p>
<p>Hmmm, I wonder if anyone has had any luck with negotiating a better rate on a fixed rate loan with their lender?</p>
<p>I&#8217;ll give it a shot anyway when i ring them Monday!</p>
<p>In&hellip;<span class="activity-read-more" id="activity-read-more-252985"><a href="https://www.propertyinvesting.com/topic/4378189-negotiating-interest-rates/#post-4503370" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Negotiating Interest Rates in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4378189-negotiating-interest-rates/#post-4503367</link>
				<pubDate>Fri, 21 Jan 2005 08:35:30 +0000</pubDate>

									<content:encoded><![CDATA[<p>Just had a look at the st george package.</p>
<p>Correct me if I&#8217;m wrong, but if ANZ agree to match it my new scenario will be:</p>
<p><b>ANZ Breakfree Package</b></p>
<p><b>PPOR</b><br />
Split Loan &#8211; Variable @ 6.37% $97,953.38<br />
&#8211; Fixed (5 years) @ 7.20% $183,248.34</p>
<p><b>IP</b><br />
Interest Only Variable @ 6.37% $100,000.00</p>
<p>Not bad at all, time to give them a call!</p>
<p>Cheers,</p>
<p>Damon</p>
<p>In theory,&hellip;<span class="activity-read-more" id="activity-read-more-252982"><a href="https://www.propertyinvesting.com/topic/4378189-negotiating-interest-rates/#post-4503367" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Negotiating Interest Rates in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4378189-negotiating-interest-rates/#post-4503365</link>
				<pubDate>Fri, 21 Jan 2005 07:03:22 +0000</pubDate>

									<content:encoded><![CDATA[<p>Paying $300/year for the package. No other fees that i can recall.</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic Media Clips on the Sign-In Page in the forum Site Problems / Feedback</title>
				<link>https://www.propertyinvesting.com/topic/4378003-media-clips-on-the-sign-in-page/#post-4502162</link>
				<pubDate>Thu, 13 Jan 2005 12:58:11 +0000</pubDate>

									<content:encoded><![CDATA[<p>Update IE to the latest version, IE 6 SP2(goto windowsupdate.microsoft.com), it contains a pop up blocker under the Tools menu.</p>
<p>Cheers,</p>
<p>Damon</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic How much time? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4377897-how-much-time/#post-4501485</link>
				<pubDate>Sun, 09 Jan 2005 09:27:20 +0000</pubDate>

									<content:encoded><![CDATA[<p>Its more of an obsession for me&#8230;Ive definately got the bug&#8230;</p>
<p>But, if your starting out, I&#8217;d recommend Steve&#8217;s books as well as some general wealth creation books (ala Paul Clitheroe, Robert Kiyoski)&#8230;</p>
<p>Putting a dedicated time figure on it would be hard to do as some hours are more productive than others&#8230;I guess do what your comfortable&hellip;<span class="activity-read-more" id="activity-read-more-285056"><a href="https://www.propertyinvesting.com/topic/4377897-how-much-time/#post-4501485" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic My Account Is Borked (technical term) in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4377568-my-account-is-borked-technical-term/#post-4499227</link>
				<pubDate>Sun, 09 Jan 2005 09:13:20 +0000</pubDate>

									<content:encoded><![CDATA[<p>muchas graciaus <img src="/wp-content/uploads/smileys/bigsmile.gif?x75824" width="" height="" alt=":D" title=":D" class="bbcode_smiley" /></p>
<p>Cheers,</p>
<p>Damon</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic Impending Interest Rate Rises? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4377832-impending-interest-rate-rises/#post-4501104</link>
				<pubDate>Fri, 07 Jan 2005 13:35:18 +0000</pubDate>

									<content:encoded><![CDATA[<p>Maybe i see it too simply, but back 2000-2001 when i bought my first house (ppor) everyone was going nuts saying &#8220;oh, its so cheap to borrow money atm&#8221; etc etc. That was the major driving force back then&#8230;</p>
<p>The same type of first home owners, mums and dads etc would be the same people swept up into the craze once again&#8230;</p>
<p>So i guess with that&hellip;<span class="activity-read-more" id="activity-read-more-197273"><a href="https://www.propertyinvesting.com/topic/4377832-impending-interest-rate-rises/#post-4501104" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic My Account Is Borked (technical term) in the forum Site Problems / Feedback</title>
				<link>https://www.propertyinvesting.com/topic/4377568-my-account-is-borked-technical-term/#post-4499225</link>
				<pubDate>Fri, 07 Jan 2005 08:47:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Derek,</p>
<p>Yea I know, I can choose an avatar, but the problem is i cant update my profile to save the avatar <img src="/wp-content/uploads/smileys/frown.gif?x75824" width="" height="" alt=":(" title=":(" class="bbcode_smiley" /></p>
<p>So, I would if i could <img src="/wp-content/uploads/smileys/wink.gif?x75824" width="" height="" alt=";)" title=";)" class="bbcode_smiley" /></p>
<p>Cheers,</p>
<p>Damon</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic My Account Is Borked (technical term) in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4377568-my-account-is-borked-technical-term/#post-4499223</link>
				<pubDate>Fri, 07 Jan 2005 04:52:45 +0000</pubDate>

									<content:encoded><![CDATA[<p>same deal here&#8230;</p>
<p>basically when i go to edit my profile and even if i dont change a thing and hit submit I get the error &#8220;Username already exists&#8230;.&#8221;</p>
<p>What i guess its trying to do is create a new user when updating the profile and it fails as the username already exists <img src="/wp-content/uploads/smileys/frown.gif?x75824" width="" height="" alt=":(" title=":(" class="bbcode_smiley" /></p>
<p>i need an avatar, please fix <img src="/wp-content/uploads/smileys/smile.gif?x75824" width="" height="" alt=":)" title=":)" class="bbcode_smiley" /></p>
<p>In theory, there is no difference between&hellip;<span class="activity-read-more" id="activity-read-more-199511"><a href="https://www.propertyinvesting.com/topic/4377568-my-account-is-borked-technical-term/#post-4499223" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Rentals...increasing? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4377818-rentals-increasing/#post-4500977</link>
				<pubDate>Fri, 07 Jan 2005 04:28:31 +0000</pubDate>

									<content:encoded><![CDATA[<p>Not a huge amount ($195 to $200 last month), but they do seem to be increasing slowly&#8230;</p>
<p>seyeidde, if interest rates rise significantly it is probable that the reaction will be to increase rents to cover the extra costs. However, this will also force the potential tenants to be way more choosey on what bang they get for their buck. This is where&hellip;<span class="activity-read-more" id="activity-read-more-96751"><a href="https://www.propertyinvesting.com/topic/4377818-rentals-increasing/#post-4500977" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Hi from a newbie to the forums! in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4377829-hi-from-a-newbie-to-the-forums/#post-4501041</link>
				<pubDate>Fri, 07 Jan 2005 03:09:16 +0000</pubDate>

									<content:encoded><![CDATA[<p>G&#8217;day Jake,</p>
<p>Im in SA as well <img src="/wp-content/uploads/smileys/wink.gif?x75824" width="" height="" alt=";)" title=";)" class="bbcode_smiley" /> Im 26 and recently bought my first IP (6 months ago)&#8230;</p>
<p>At the moment im cashing up to buy my 2nd IP in approximately a years time while keeping my finger on the property market pulse&#8230;.</p>
<p>All i can say is you&#8217;re very lucky to have a mentor/s to assist you! Im still looking <img src="/wp-content/uploads/smileys/wink.gif?x75824" width="" height="" alt=";)" title=";)" class="bbcode_smiley" /></p>
<p>Welcome to the forum and good luck&hellip;<span class="activity-read-more" id="activity-read-more-86948"><a href="https://www.propertyinvesting.com/topic/4377829-hi-from-a-newbie-to-the-forums/#post-4501041" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic How do you recognise a Dog in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4377662-how-do-you-recognise-a-dog/page/2/#post-4499984</link>
				<pubDate>Fri, 31 Dec 2004 03:10:47 +0000</pubDate>

									<content:encoded><![CDATA[<p>Byronent,</p>
<p>Would you mind if giving me the details of your accountant?</p>
<p>I&#8217;ve yet to find one in Adelaide that i have felt comfortable with, let alone knows about property investment.</p>
<p>Cheers</p>
<p>kinks</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic Positively geared property in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4373065-positively-geared-property/#post-4468680</link>
				<pubDate>Wed, 21 Apr 2004 04:04:20 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by Jaradnkaren:</i><br />
Is there a simple formula for calculating whether a property is positively geared?</p>
<p>We are looking at a property for $90000 with a weekly rental of $135.00, which is apparently a very good return but without putting down a $30,000 deposit the income isn&#8217;t more than expenses.</p>
<p>How is it possible to get a positively&hellip;<span class="activity-read-more" id="activity-read-more-199004"><a href="https://www.propertyinvesting.com/topic/4373065-positively-geared-property/#post-4468680" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Spotter's Fees in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4372584-spotters-fees-3/#post-4465530</link>
				<pubDate>Mon, 19 Apr 2004 03:23:07 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by geo:</i><br />
I agree with Bear in regards to NZ having good returns and yields and capital growth.</p>
<p>&#8220;If You never never ask, you&#8217;ll never never know&#8221;</p>
<p>Hi geo and bear,</p>
<p>So, what do we need to know in regards to investing in NZ?  [blush2]</p>
<p>Cheers</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic Kiyosaki Seminar in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4372919-kiyosaki-seminar/#post-4467676</link>
				<pubDate>Mon, 19 Apr 2004 03:18:59 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by geo:</i><br />
thanks Hux &#8211; got it and replied</p>
<p>waiting for ur reply 2morrow kinks</p>
<p>Kind Regards,<br />
George.</p>
<p>&#8220;If You never never ask, you&#8217;ll never never know&#8221;</p>
<p>Sorry geo,</p>
<p>It was a hectic weekend for me (house warming) and I totally forgot about treplying to this thread. Unfortunetly the date of the seminar falls on the date as a holiday&hellip;<span class="activity-read-more" id="activity-read-more-145283"><a href="https://www.propertyinvesting.com/topic/4372919-kiyosaki-seminar/#post-4467676" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Kiyosaki Seminar in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4372919-kiyosaki-seminar/#post-4467666</link>
				<pubDate>Fri, 16 Apr 2004 06:17:31 +0000</pubDate>

									<content:encoded><![CDATA[<p>yep, I&#8217;ll be chatting to my other half tonight to see if she would like to go as well, so will post back tomorrow if thats cool..</p>
<p>In theory, there is no difference between practice and theory, in practice, there is&#8230;.</p>
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				<title>kinkso0o0o replied to the topic Kiyosaki Seminar in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4372919-kiyosaki-seminar/#post-4467661</link>
				<pubDate>Fri, 16 Apr 2004 04:44:02 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by geo:</i><br />
hehehe&#8230;that&#8217;s for the 3 day seminar. we&#8217;re going only to a 3hir presentation by himfor under 100 dollars &#8211; the Melbourne one that is.</p>
<p>&#8220;If You never never ask, you&#8217;ll never never know&#8221;</p>
<p>when is the cut off date to book geo? or can you send through a link for the details?</p>
<p>cheers</p>
<p>In theory, there is no difference&hellip;<span class="activity-read-more" id="activity-read-more-145271"><a href="https://www.propertyinvesting.com/topic/4372919-kiyosaki-seminar/#post-4467661" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Kiyosaki Seminar in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4372919-kiyosaki-seminar/#post-4467658</link>
				<pubDate>Fri, 16 Apr 2004 03:29:23 +0000</pubDate>

									<content:encoded><![CDATA[<p>I was keen to see Kiyosaki until I realised the price of the seminar&#8230;I&#8217;m pretty sure it was around US$4500 I read somewhere&#8230;correct me if I&#8217;m wrong as I would really like to see him&#8230;</p>
<p>In the case it is that price, please take notes for us [laughing] I like mine typed! [lmao]</p>
<p>cheers</p>
<p>In theory, there is no difference between practice and&hellip;<span class="activity-read-more" id="activity-read-more-145268"><a href="https://www.propertyinvesting.com/topic/4372919-kiyosaki-seminar/#post-4467658" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic I thought they help so be careful in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4372923-i-thought-they-help-so-be-careful/#post-4467722</link>
				<pubDate>Fri, 16 Apr 2004 03:13:19 +0000</pubDate>

									<content:encoded><![CDATA[<p>yea, my girlfriend had a similar dilemma when purchasing a car, as in they needed a bank cheque&#8230;</p>
<p>but to the banks defence, security is a big thing for them, especially in this day and age&#8230;but you do get the odd bank teller are pretty anul on a powertrip&#8230;</p>
<p>oh well, as long as the deal went through in the end [biggrin]</p>
<p>In theory, there is no&hellip;<span class="activity-read-more" id="activity-read-more-107336"><a href="https://www.propertyinvesting.com/topic/4372923-i-thought-they-help-so-be-careful/#post-4467722" rel="nofollow">[Read more]</a></span></p>
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				<title>kinkso0o0o replied to the topic Spotter's Fees in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4372584-spotters-fees-3/#post-4465526</link>
				<pubDate>Fri, 16 Apr 2004 02:21:06 +0000</pubDate>

									<content:encoded><![CDATA[<p>But trust me im still working on things here as im finding so many properties that meet the 11 sec rule, that I have actually stopped looking for a while, and working on a solution. May even have to get RE license but that takes about 2 years.</p>
<p>Regards Bear</p>
<p>hey Bear,</p>
<p>I&#8217;m from Adelaide and just starting out. [cap] Are the properties that meet&hellip;<span class="activity-read-more" id="activity-read-more-108099"><a href="https://www.propertyinvesting.com/topic/4372584-spotters-fees-3/#post-4465526" rel="nofollow">[Read more]</a></span></p>
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