PropertyInvesting.com | lila77 | Activity https://www.propertyinvesting.com/members/lila77/activity/ Activity feed for lila77. Mon, 13 Apr 2026 15:22:18 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 f55df2b5979957cc14ce15911f049d77 lila77 replied to the topic Banks offering no LMI payment in the forum Finance https://www.propertyinvesting.com/topic/4409426-banks-offering-no-lmi-payment/#post-4691294 Thu, 30 May 2013 10:51:10 +0000 But I've just had it revalued in March. Would there be a difference now? What if it came back lower than that val?

]]> 2d38198fa7dd4e3006053798a6c35a21 lila77 replied to the topic Banks offering no LMI payment in the forum Finance https://www.propertyinvesting.com/topic/4409426-banks-offering-no-lmi-payment/#post-4691291 Wed, 29 May 2013 13:42:49 +0000 I’m just looking to refinance my current PPOR to pay off the final amount on another property that settled back in March (I’m not looking at borrowing more against this IP as its considered higher risk). The properties in Adelaide.

]]> d217eaa30bb30cf6fa5619b401299390 lila77 replied to the topic Banks offering no LMI payment in the forum Finance https://www.propertyinvesting.com/topic/4409426-banks-offering-no-lmi-payment/#post-4691289 Wed, 29 May 2013 01:39:38 +0000 No none of my properties are cross collaterised. I am a medical scientist.

]]> 14473c4d0e32e87b45618676545817d1 lila77 replied to the topic Banks offering no LMI payment in the forum Finance https://www.propertyinvesting.com/topic/4409426-banks-offering-no-lmi-payment/#post-4691283 Mon, 27 May 2013 09:17:09 +0000 Thanks, the val that the current lender did in about $50,000 above equiv sales in the area so i don't think other vals will come in as much more. Btw I work in the medical profession and still can't get LMI waived only doctors can.

]]> c98debe90ce464e1ec4b9b7279fb6e0b lila77 replied to the topic My steal of the week. $20,000 cairns unit which vendor paid $113,000 for rent $160pw. in the forum Help Needed! https://www.propertyinvesting.com/topic/4404763-my-steal-of-the-week-20000-cairns-unit-which-vendor-paid-113000-for-rent-160pw/#post-4656128 Tue, 26 Mar 2013 13:12:10 +0000 18 months later it would be interesting to see what became of this investment. Can you update us Nathan?

]]> 41769cb2cb7b48406a585842f536a722 lila77 replied to the topic Buyers agent in the forum Did some of our posts get https://www.propertyinvesting.com/topic/4408972-buyers-agent-19/#post-4688387 Tue, 26 Mar 2013 11:25:39 +0000 Did some of our posts get removed from this topic? I'm sure I put on something more about Nathan Birch (in addition to the one that is still on here). I would like to say that I don't work for him, I don't get paid anything by him but I have paid him to buy me places in the past and been very happy with them. I never said go with him I just think…[Read more]

]]> b9376569db99c7930cc180dbadebed53 lila77 replied to the topic Vacant possession, rented before hand over in the forum I just re-read my PMs email https://www.propertyinvesting.com/topic/4409052-vacant-possession-rented-before-hand-over/#post-4688919 Tue, 26 Mar 2013 11:09:14 +0000 I just re-read my PMs email and she has said that she apologises but the previous PM put a tenant in as of settlement date (prior to hand-over time). Now I understand why the pre-settlement inspection showed no-one living there.

]]> 4e741aa97a2f24d8797dc7ba17b3e867 lila77 replied to the topic Vacant possession, rented before hand over in the forum Help Needed! https://www.propertyinvesting.com/topic/4409052-vacant-possession-rented-before-hand-over/#post-4688918 Tue, 26 Mar 2013 11:02:26 +0000 Catalyst. Actually I don't want to save money (I can afford the place whether it has a tenant or not) I want to make money by getting rid of the tenant and putting the rent up to fair market rent as I believe it is not at this level (I need more accurate information from the PM which when I speak to her tomorrow until I know exactly what the rent…[Read more]

]]> 3be15f8cf30928cef1a676714bad3269 lila77 replied to the topic Vacant possession, rented before hand over in the forum Help Needed! https://www.propertyinvesting.com/topic/4409052-vacant-possession-rented-before-hand-over/#post-4688916 Tue, 26 Mar 2013 10:25:15 +0000 Tell me about it Scott no mates and Jamie. I went with this agency because it was recommended by people that already use it. The story is potentially more complicated than I've stated though. The property was originally rented by another agency. This agency has been sold (somewhere between me signing the contract and today – as it says they've…[Read more]

]]> 3e2191b3ee7f470e4c71f9d1031313a5 lila77 replied to the topic Should I continue with unit purchase or will it be a money pit (re repairs to common property)? in the forum Help Needed! https://www.propertyinvesting.com/topic/4407022-should-i-continue-with-unit-purchase-or-will-it-be-a-money-pit-re-repairs-to-common-property/#post-4672973 Tue, 26 Mar 2013 10:10:49 +0000 I was just looking at my old posts and had a little chuckle over this one. I went ahead and bought the unit. It has cost me virtually nothing in the last 7 months since I bought it in terms of unexpected repairs. Four weeks after I bought it I got it revalued for $46,000 more than the purchase price. I have put up the rent twice and it is now…[Read more]

]]> feaa636830ff97b6144f59eb222fed05 lila77 replied to the topic Terrible PM? in the forum Help Needed! https://www.propertyinvesting.com/topic/4408968-terrible-pm/#post-4688360 Sat, 16 Mar 2013 02:31:34 +0000 I didn't mean my remarks to be snide but our PMs work for us not our tenants, WE pay them. I put up my property $30 in the first instance as that was what other properties were getting in the same complex. Due to rental demand and high turnover of tenants similar properties in the area now get $380-$390 so again I'm putting the rent up. I'm also…[Read more]

]]> 4a7b89abcfc6eb1748130ba8f05a2c99 lila77 replied to the topic Terrible PM? in the forum Help Needed! https://www.propertyinvesting.com/topic/4408968-terrible-pm/#post-4688357 Sat, 16 Mar 2013 00:53:47 +0000 I purchased a property late last year which was being rented for under market value so I immediately gave the tenants notice that the rent would increase by $30 per week. The tenant did not move out. I will soon be giving notice to increase the rent by another $30 per week so it is inline with rents in the area. I don't expect the tenant to move…[Read more]

]]> b854c3648bf6c345abb803d497d3afa0 lila77 replied to the topic Buyers agent in the forum Help Needed! https://www.propertyinvesting.com/topic/4408972-buyers-agent-19/#post-4688384 Sat, 16 Mar 2013 00:25:25 +0000 Google Nathan Birch. Positives = experienced property investor who can recommend other professionals in property investing (eg. real estate agents, accountants, solicitors). Negative = pay for the service (but more likely to get a more profitable purchase) and all negotiations are done for you so not a real opportunity to learn about that side of…[Read more]

]]> 8d8581ec58558a428aaafecc05594b53 lila77 replied to the topic Missing $10,000. How to keep track of finances? in the forum Finance https://www.propertyinvesting.com/topic/missing-10000-how-to-keep-track-of-finances/#post-4688114 Sun, 10 Mar 2013 07:38:37 +0000 Dubstep: thanks, I'll PM you my address so you can post it over

Jacqui: I've got a depreciation schedule on one of my properties but I used Washington brown as BMT wouldn't honour a previous quote they had given me – even though I had it in writing. My accountant also said it didn't really matter which company I use (washington brown vs BMT) and…[Read more]

]]> 339703b05b14a2b904ae649f186448cf lila77 replied to the topic Low valuation in the forum Help Needed! https://www.propertyinvesting.com/topic/4408795-low-valuation/page/3/#post-4687029 Sat, 09 Mar 2013 12:40:38 +0000 I really think the banks somehow have lower vals for 95% lends. I bought a property last August for $265,000 (bought under value). Got it revalued in september 2012 at $310,000 and borrowed up to 80%. Recently wanted to up the borrowing to 90%. The val only came in at $280,000 (they wouldn't use the $310,000 despite it being less than 6 months). I…[Read more]

]]> 9787db1b65ddb9a4e10b06ef8177b272 lila77 replied to the topic Missing $10,000. How to keep track of finances? in the forum Finance https://www.propertyinvesting.com/topic/missing-10000-how-to-keep-track-of-finances/#post-4688111 Sat, 09 Mar 2013 12:13:35 +0000 I have finally got everything to tally.

The problem was each loan amount was entered into the spreadsheet as the whole amount. I thought that I had included all fees into the capital costs list but I hadn't (only included solicitor fees, utility bills and stamp duty). So this added up to $4500, I have another $3500 in my IP offset account that I…[Read more]

]]> 417d9c06a9cacad6d09c5b35688c2524 lila77 replied to the topic Missing $10,000. How to keep track of finances? in the forum Finance https://www.propertyinvesting.com/topic/missing-10000-how-to-keep-track-of-finances/#post-4688105 Sat, 09 Mar 2013 00:52:08 +0000 Jamie: That's basically what I do too. I have a spreadsheet for each loan that is a download (from my online banking) of the interest paid on each loan and the total interest for all IP loans. Another spreadsheet includes the rental income and bills for my IPs. These seem to add up.
I can't help thinking that my first conveyancer has somehow taken…[Read more]

]]> 1d4f46354ab865e081290cd1276d995e lila77 replied to the topic Missing $10,000. How to keep track of finances? in the forum Finance https://www.propertyinvesting.com/topic/missing-10000-how-to-keep-track-of-finances/#post-4688102 Fri, 08 Mar 2013 23:06:22 +0000 Jamie, the parking of equity release does make sense, I didn't do this because my first accountant suggested against it. Since then I have changed accountants!

I'm hoping I might get some replies about keeping track of finances. Are there easy to use programs available for investors?

]]> 348b497f56f371a916e390b379e08488 lila77 replied to the topic Missing $10,000. How to keep track of finances? in the forum Finance https://www.propertyinvesting.com/topic/missing-10000-how-to-keep-track-of-finances/#post-4688101 Fri, 08 Mar 2013 22:57:39 +0000 Anthony K: I appreciate your advice but just want to clarify.

I hope I'm doing the right thing as I have a great and experienced team behind my investing.

I have 2 lenders because they are the ones that would lend me money. I'm expecting to purchase many more IPs so the amounts I have with these 2 lenders will soon be replicated with other…[Read more]

]]> a59951160f062b51a266d2a1e41e018d lila77 replied to the topic SA New Construction Grants Announced in the forum General Property https://www.propertyinvesting.com/topic/4407881-sa-new-construction-grants-announced/#post-4679331 Mon, 15 Oct 2012 10:21:19 +0000 Here's an exert from  http://www.revenuesa.sa.gov.au/

Today, 15 October 2012, the Government announced that they have retargeted their home buyer assistance by:
• increasing the First Home Owner Grant (FHOG) for new homes from $7000 to $15 000 (ongoing) for contracts entered into on or after 15 October 2012:
• reducing the FHOG for established…[Read more]

]]> 2ba8794ca2c0396783e06d193fd851f5 lila77 replied to the topic SA New Construction Grants Announced in the forum General Property https://www.propertyinvesting.com/topic/4407881-sa-new-construction-grants-announced/#post-4679330 Mon, 15 Oct 2012 10:14:35 +0000 I only heard it on the radio (?reliability) but new home buyers get about $23000 in grants.

]]> 91dd2ea58b1e30bd15d0e0f6690aae39 lila77 replied to the topic Is it possible to get banned from a Real estate agency? in the forum I have been involved in a https://www.propertyinvesting.com/topic/4407872-is-it-possible-to-get-banned-from-a-real-estate-agency/#post-4679287 Mon, 15 Oct 2012 10:12:14 +0000 I have been involved in a similar thing, not banned but when I chose NOT to use the sales agent as the property manager they refused to deal with my buyers agent anymore. My buyers agents does massive deals and he did nothing wrong, and honestly neither did I as I never met them and only spoke to the sales agent once. They were desperate to keep…[Read more]

]]> b6e67e260255f5b9b5c4c44ae3dc408f lila77 replied to the topic depreciation schedules in the forum Help Needed! https://www.propertyinvesting.com/topic/4407817-depreciation-schedules-5/#post-4678960 Thu, 11 Oct 2012 11:06:23 +0000 I find it interesting that that they seem to quote differently depending on where the property is located. Adelaide's depreciation schedules seem to be cheaper than those in Sydney and Brisbane. Has anyone experienced this? I expect it has something to do with overheads and pay rates.

]]> f5ad8b126c052b35c9cfe8fe1971912d lila77 replied to the topic depreciation schedules in the forum Help Needed! https://www.propertyinvesting.com/topic/4407817-depreciation-schedules-5/#post-4678959 Thu, 11 Oct 2012 11:04:44 +0000 I doubt very much that I'll even have $3000 worth of tax savings per year for one of the properties. Do you really think that professional quantity surveyors that work for large national companies (and basically follow a publicised document) would have that much variation in their reports? I highly doubt it but I'm tempted to get both for interest…[Read more]

]]> 2958f30e52a4498990b314de2808de5d lila77 replied to the topic depreciation schedules in the forum Help Needed! https://www.propertyinvesting.com/topic/4407817-depreciation-schedules-5/#post-4678954 Wed, 10 Oct 2012 11:26:20 +0000 After discussing it with my accountant today (who specialised in property investments) I have decided to go with Washington Brown instead of BMT. He suggests to clients to use these companies ( although I hadn't discussed this previoulsy) and doesn't have a preference. He suggested i go with the cheaper one because at the end of the day he reckons…[Read more]

]]> 0df244a881a873c266f923c8adf651b5 lila77 replied to the topic depreciation schedules in the forum Help Needed! https://www.propertyinvesting.com/topic/4407817-depreciation-schedules-5/#post-4678952 Tue, 09 Oct 2012 08:43:27 +0000 Thanks, both visit the property and both are very well known large national firms. I assume both of these schedules are tax deductible, is there any reason why they wouldn't be? I told one company that I wasn't happy with their quote, their first quote (end of June 2012) was $600 for one property but I didn't do anything about it so they quoted me…[Read more]

]]> af99857005e5eac05cb0103f1f160fbc lila77 replied to the topic Strata meetings in the forum Help Needed! https://www.propertyinvesting.com/topic/4407775-strata-meetings/#post-4678652 Thu, 04 Oct 2012 13:47:01 +0000 Thanks, this is exactly what I'll do.

]]> d2f4925df9237cb215873630f6a8cd3f lila77 replied to the topic Accountant in Adelaide in the forum Help Needed! https://www.propertyinvesting.com/topic/4407737-accountant-in-adelaide-2/#post-4678352 Thu, 04 Oct 2012 13:43:14 +0000 Jarrad Dunn from Perks accounting (google it) specialises in property investment accounting. He isn't cheap but should be worth the money.

]]> ca34f23db84772ddbd13fde96ff7bec7 lila77 replied to the topic Should I continue with unit purchase or will it be a money pit (re repairs to common property)? in the forum Help Needed! https://www.propertyinvesting.com/topic/4407022-should-i-continue-with-unit-purchase-or-will-it-be-a-money-pit-re-repairs-to-common-property/#post-4672968 Wed, 04 Jul 2012 05:35:19 +0000 @WomeninPropMelb – I misread the strata meeting minutes and thought that there was 2 lots of repairs needed some for $60,000 and some for $171,000 but it seems they were quotes for the same job. The strata chose the cheaper quote and the once-off levy has already been paid. Now the admin fund need to get into the black which is only a few hundred…[Read more]

]]> a24350a4af9095591d73c6644220d66e lila77 replied to the topic Should I continue with unit purchase or will it be a money pit (re repairs to common property)? in the forum Help Needed! https://www.propertyinvesting.com/topic/4407022-should-i-continue-with-unit-purchase-or-will-it-be-a-money-pit-re-repairs-to-common-property/#post-4672965 Wed, 04 Jul 2012 02:22:29 +0000 I think its ok the $171,000 repairs have been rejected but approved with a lesser quote and a levy was paid on 1/7/2012 for this. I have reread the strata report myself, made better sense of it and done some more figures. In actual fact it seems quite good so the only levy I should to pay in the future should be to get the admin fund out of the re…[Read more]

]]> 0099e17deee74479ef5c22305d1b8c7c lila77 replied to the topic Should I continue with unit purchase or will it be a money pit (re repairs to common property)? in the forum Help Needed! https://www.propertyinvesting.com/topic/4407022-should-i-continue-with-unit-purchase-or-will-it-be-a-money-pit-re-repairs-to-common-property/#post-4672963 Tue, 03 Jul 2012 22:43:41 +0000 Thanks QLD,My solicitor has gone through it but how can he possibly pass judgement on the financials? I have the minutes for the agms for the past 3 years and the minutes for 2 extraordinary meetings held since late last year plus all associated paperwork (eg. fire safety reports, quotes, strata fee predictions etc). There is a quote for…[Read more]

]]> cda85cf6f39e77e7a0fbef930db8f834 lila77 replied to the topic How to choose a property manager (western sydney) in the forum Help Needed! https://www.propertyinvesting.com/topic/4406990-how-to-choose-a-property-manager-western-sydney/#post-4672734 Tue, 03 Jul 2012 09:07:48 +0000 Hopefully wentworthville is close enough to toongabbie (4km!). Its already let to a tenant that wants to stay on so renting isn't an issue at this just informative and accurate inspection reports etc. Thanks

]]> 220f30731e8255a41d56d3e54f19347f lila77 replied to the topic How to choose a property manager (western sydney) in the forum Thanks everyone. Shahin: I https://www.propertyinvesting.com/topic/4406990-how-to-choose-a-property-manager-western-sydney/#post-4672730 Mon, 02 Jul 2012 11:08:58 +0000 Thanks everyone. Shahin: I was actually dealing with Marilyn at Best and she seems very helpful, bright and bubbly. She replied to my emails very promptly. I think I will go with her as Response aren't budging on the their price.

]]> 920100bbe5ee83fd684879cd2ffcd74c lila77 replied to the topic Seeking Mentor in Sydney in the forum Help Needed! https://www.propertyinvesting.com/topic/4406826-seeking-mentor-in-sydney/#post-4671619 Thu, 14 Jun 2012 12:46:58 +0000 Amit Thaker wrote:
Hi Lila, never heard of Nathan Birch's. I checked out his website as he suggest in the video and its seems alright. Have you done one of his Education program?

No I have never done one of Nathan's seminars he just acts as a buyers agent for me when I buy in NSW or Queensland. He is very knowledgeable, helpful and gives…[Read more]

]]> c79e1592b87d2615d6f2fb0d5909e262 lila77 replied to the topic Landlord and building insurance in the forum Help Needed! https://www.propertyinvesting.com/topic/4406856-landlord-and-building-insurance/#post-4671806 Thu, 14 Jun 2012 11:38:23 +0000 Thanks for these suggestions and the list of what to check for.Is there anyone who actually use the insurance and have made claims that could tell me about their experiences.

]]> 799e974cad2adf6cf05600a1eec5f5a7 lila77 replied to the topic Seeking Mentor in Sydney in the forum Help Needed! https://www.propertyinvesting.com/topic/4406826-seeking-mentor-in-sydney/#post-4671616 Wed, 13 Jun 2012 10:48:51 +0000 You just missed Nathan Birch's seminar in Sydney last thursday. Although he does run a business he doesn't promote it to the extend that others do. Have a look a binvest.com.au. There is also a you tube video of a seminar he did a while back plus others on some of his investments.

]]> 095419217a47b2bcbdb114805480b34f lila77 replied to the topic My first step into investing. Reno's! in the forum Have a look at Nathan https://www.propertyinvesting.com/topic/4405396-my-first-step-into-investing-renos/#post-4660307 Mon, 02 Apr 2012 22:34:13 +0000 Have a look at Nathan Birch's you tube videos (b invested channel) to see how he makes money out of renovating.

]]> 7c39fb1656559a0f9cad41fa88b4bbe4 lila77 replied to the topic Putting in an offer tonight in the forum Help Needed! https://www.propertyinvesting.com/topic/4406219-putting-in-an-offer-tonight/#post-4666586 Sun, 01 Apr 2012 12:57:05 +0000 Shape wrote:
So it's a block of units 3 x1 bedroom?

She said house, I assumed 3×1 was 3 bedroom, 1 bathroom????

]]> f00112eade8f1dc326e8f4cbf3141608 lila77 replied to the topic New to investing in the forum Help Needed! https://www.propertyinvesting.com/topic/4406157-new-to-investing-8/#post-4666000 Sat, 31 Mar 2012 10:54:16 +0000 Catalyst wrote:
The library is a great place to get past magazines too. There are often great articles and you can borrow a few. Look up the stats in the back of old ones. It's interesting to look at the price differences etc to now. Go to the Meetups forum and see if there are any meetings in your area. These are usually likeminded people who…[Read more]

]]> 1e606b1352da2bbc63d634679f55da78 lila77 replied to the topic Which is better? Old or New? in the forum Help Needed! https://www.propertyinvesting.com/topic/4406170-which-is-better-old-or-new/#post-4666120 Sat, 31 Mar 2012 07:14:38 +0000 I'm a bit intrigued as to why you are talking about FHOG and rent at the same time as I don't believe you can have both unless you live in the house (?for 6months within the first year). If you plan to live in the house and rent it out  at a later date then forget my comment but otherwise some more research may be necesssary. There was a forum t…[Read more]

]]> 55c7cfb8f29ffc04ea2fe5d62031f3a7 lila77 replied to the topic New to investing in the forum Help Needed! https://www.propertyinvesting.com/topic/4406157-new-to-investing-8/#post-4665996 Thu, 29 Mar 2012 11:05:17 +0000 Jamie M wrote:
Have you read the 20 Must Ask questions book? I thought that was a pretty good one. Scope out ebay for second hand investing books. There's usually a few bargains to be found.

Yep read that one, I thought it was very informative. I like e-bay for second hand books too but as I have a kindle, which I'm a bit addicted to, I buy…[Read more]

]]> 7b3d733109871941ff1083c713c06b82 lila77 replied to the topic First Property seminar....hmmmm not that impressed. in the forum Help Needed! https://www.propertyinvesting.com/topic/4405833-first-property-seminar-hmmmm-not-that-impressed/page/2/#post-4663557 Wed, 28 Mar 2012 10:04:38 +0000 After reading this entire post I'm very disappointed that Booge didn't follow up with what Nathan Birches seminar was like. I know this post is old but Booge if you're out there can you do a quick review?

]]> e51105181a8c2988c45b136f0b296e80 lila77 replied to the topic New to investing in the forum Help Needed! https://www.propertyinvesting.com/topic/4406157-new-to-investing-8/#post-4665992 Wed, 28 Mar 2012 08:19:21 +0000 Thanks everyone . David4000 I'm already onto the mags too, buying API but thinking the library might have some of the other mags to keep expenses down. I'm also looking for my next book, maybe another margaret lomas one? I'll have to take a look at the recommended reading list on the forum more closely. I'm getting really excited about my fir…[Read more]

]]> f59381078dcfc0e0cdd27660cfbcd5d3 lila77 replied to the topic NOT cross-collatersing my IP and PPOR in the forum Finance https://www.propertyinvesting.com/topic/4406179-not-cross-collatersing-my-ip-and-ppor/#post-4666189 Mon, 26 Mar 2012 00:52:44 +0000 Thanks Richard, yes all makes sense. Just one question about the redraw once IP has value increase: Is this new draw down tax deducitble (it is new borrowings afterall)? Now I'm off to try and find the right property!

]]> b27cb5f65654de9ded859b636f788534 lila77 replied to the topic New to investing in the forum Help Needed! https://www.propertyinvesting.com/topic/4406157-new-to-investing-8/#post-4665987 Mon, 26 Mar 2012 00:05:41 +0000 She is a real estate agent. I had decided before I met with her that it was not a good idea as I had done some more reading inbetween making the appt and the actual appt. I was going to cancel but in the end decided as long as I promised myself NOT to sign ANYTHING I would meet with her as it might give me a bigger insight into what 'method' these…[Read more]

]]> 76ebc765c842343c583b08a87e0c68ce lila77 replied to the topic NOT cross-collatersing my IP and PPOR in the forum Finance https://www.propertyinvesting.com/topic/4406179-not-cross-collatersing-my-ip-and-ppor/#post-4666187 Sun, 25 Mar 2012 23:45:15 +0000 Ok. So this is why interest only is better? As the interest repayments on one loan for $300,000 is going to be the same as 2 loans for $100,000 & $200,000 vs paying P&I which would be about $350/month higher (using ~7% interest) with the 2 loans scenario. Now I'm starting to understand the financing I just have to find the IP (I think that's go…[Read more]

]]> 8b6a9fac530687e7ea079297c6924674 lila77 replied to the topic New to investing in the forum Help Needed! https://www.propertyinvesting.com/topic/4406157-new-to-investing-8/#post-4665984 Sun, 25 Mar 2012 03:25:27 +0000 Thanks Jamie, I think your suggestion is the best option as I want to do as much of the research myself. 

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