PropertyInvesting.com | MikalHoward | Activity https://www.propertyinvesting.com/members/mikalhoward/activity/ Activity feed for MikalHoward. Tue, 14 Apr 2026 14:59:43 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 2a644bb3d254344fe630c4b764a756c7 MikalHoward replied to the topic No Property Expos in Adelaide?! in the forum Heads Up! https://www.propertyinvesting.com/topic/4408945-no-property-expos-in-adelaide/#post-5014730 Sun, 18 Oct 2015 09:46:17 +0000 We barely even get Sexpo these days. 😁

The expos are food for thought at the very least. It’s another avenue that might get those who are not quite “ofay” with property investing, something more to think about.

Industry professionals able to present and give investors and potential investors a mass of information about different markets around…[Read more]

]]> abe44d934faa6129841228200d232ccb MikalHoward replied to the topic Interest only or principal and interest in the forum Help Needed! https://www.propertyinvesting.com/topic/5014422-interest-only-or-principal-and-interest/#post-5014427 Sun, 11 Oct 2015 12:06:51 +0000 Your situation and what your plans are both now and in the future would really shape the decision to go interest only or principal and interest on your repayments. Do you have a strategy with your property investing? Each purchase needs to be fully evaluated for its use now and in the future.

Generally, going interest only is the best option for…[Read more]

]]> f5635c13428634da9a9394645ea92a03 MikalHoward replied to the topic Real Wealth Australia in the forum Heads Up! https://www.propertyinvesting.com/topic/4408954-real-wealth-australia/#post-5014421 Sun, 11 Oct 2015 04:13:57 +0000 I agree Pete. Well managed, debt is a very powerful tool and by getting further education in how to do it (property investing) to even further minimise the risk is smart. Some would say you can find enough information without having to purchase education programs, others perform better if someone actively teaches them. I am one of those.

We have…[Read more]

]]> 0db2ff043e65f0b05c372a10f347cf79 MikalHoward replied to the topic Real Wealth Australia in the forum Heads Up! https://www.propertyinvesting.com/topic/4408954-real-wealth-australia/#post-5014421 Sun, 11 Oct 2015 04:13:57 +0000 I agree Pete. Well managed, debt is a very powerful tool and by getting further education in how to do it (property investing) to even further minimise the risk is smart. Some would say you can find enough information without having to purchase education programs, others perform better if someone actively teaches them. I am one of those.

We have…[Read more]

]]> 363c42f8db8e243a9cc5a71d4d060ae2 MikalHoward replied to the topic No Property Expos in Adelaide?! in the forum Heads Up! https://www.propertyinvesting.com/topic/4408945-no-property-expos-in-adelaide/#post-5014396 Sat, 10 Oct 2015 04:11:01 +0000 Just taking a punt on this topic again.

What are people’s thoughts? I’d love to have the Property Investor Expo come to Adelaide again.

]]> 868cbae65acee431a9f2a6c4175751cb MikalHoward replied to the topic Real Wealth Australia in the forum Heads Up! https://www.propertyinvesting.com/topic/4408954-real-wealth-australia/#post-5014312 Thu, 08 Oct 2015 03:14:12 +0000 Hi Moggy,

Thanks for your post. It’s great to see all different opinions on different matters. What I don’t understand is if you don’t plan to buy property, why are you on a dedicated property investing website/forum. Interesting.

In regards to Helen at Real Wealth, I know the details regarding the consumer affairs issue. Your post assumes the…[Read more]

]]> df55aa6d83ea101d79653b71ce2a24b8 MikalHoward replied to the topic Real Wealth Australia in the forum Heads Up! https://www.propertyinvesting.com/topic/4408954-real-wealth-australia/#post-5014279 Wed, 07 Oct 2015 03:09:22 +0000 Hi Carla,

I am still working through it now. I joined back in 2013 but only a few months after I joined, I lost my job of 15 years. My choice, but it would have happened regardless. Since then I have not had the income to even contemplate more purchases. I am now self employed as a Mortgage Broker so i’ve been building my business for the last…[Read more]

]]> 3a99ba56a52ede46ffec1993c588eb70 MikalHoward replied to the topic Real Wealth Australia in the forum Heads Up! https://www.propertyinvesting.com/topic/4408954-real-wealth-australia/#post-5014279 Wed, 07 Oct 2015 03:09:22 +0000 Hi Carla,

I am still working through it now. I joined back in 2013 but only a few months after I joined, I lost my job of 15 years. My choice, but it would have happened regardless. Since then I have not had the income to even contemplate more purchases. I am now self employed as a Mortgage Broker so i’ve been building my business for the last…[Read more]

]]> 9be189d5e6a40112dd6e7cde2cfac92d MikalHoward replied to the topic Real Wealth Australia in the forum Heads Up! https://www.propertyinvesting.com/topic/4408954-real-wealth-australia/#post-5014279 Wed, 07 Oct 2015 03:09:22 +0000 Hi Carla,

I am still working through it now. I joined back in 2013 but only a few months after I joined, I lost my job of 15 years. My choice, but it would have happened regardless. Since then I have not had the income to even contemplate more purchases. I am now self employed as a Mortgage Broker so i’ve been building my business for the last…[Read more]

]]> 888a5149e4aff63780332ed311790ac5 MikalHoward started the topic Investment Property Modelling Software in the forum Help Needed! https://www.propertyinvesting.com/topic/4994616-investment-property-modelling-software/ Mon, 15 Sep 2014 02:17:31 +0000 Hi all,

Forgive me forum, for I have sinned. It’s been a while since my last post. :)

Just wondering if there are some suggestions out there for good modelling software where you input the info about a particular property and it generates reports on how it will perform in your portfolio. Any actual experiences/testimonials would be great…[Read more]

]]> bcbdec9b3dea016130a598f73877d064 MikalHoward replied to the topic Certus Property in the forum General Property https://www.propertyinvesting.com/topic/4990798-certus-property/#post-4990803 Wed, 21 May 2014 02:35:02 +0000 That’s what I was already feeling. Cheers. Was just wondering if anyone had heard of or even used them?

]]> 486ad9d7edfd2ca7eba41008560c80fc MikalHoward started the topic Certus Property in the forum General Property https://www.propertyinvesting.com/topic/4990798-certus-property/ Wed, 21 May 2014 01:06:17 +0000 A quick question to all on the forum. Has anyone heard of Certus Property, Developing Wealth Through Property?

I was cold emailed, then on me asking who they were before answering their questions they called me. Sounded like a call centre from America given the accent on the woman chatting to me, plus the slight delay in the communication.…[Read more]

]]> 58ccbbe24ea6ff8ef9035250607f2212 MikalHoward replied to the topic Roma, Queensland in the forum General Property https://www.propertyinvesting.com/topic/4990250-roma-queensland/#post-4990282 Fri, 09 May 2014 00:27:17 +0000 Hi Richard,

Thanks for the response. Roma’s stats look good and stable. Are you saying its not a place to consider at all. All current and futures investors should forget Roma?

What are your suggestions for better places to invest and why?

Thanks.

]]> 744f7c32aa0db457541650503d2d9c74 MikalHoward started the topic Roma, Queensland in the forum General Property https://www.propertyinvesting.com/topic/4990250-roma-queensland/ Thu, 08 May 2014 01:02:26 +0000 Hi all,

Just wondering if anyone has some thoughts on Roma, Queensland as a possible place to invest? Are there any current forum users that have already invested there so have a real world experience?

I look forward to hearing your responses.

Cheers.

Mikal

]]> 7b137dc393e77c4a10c6678abf5e50c8 MikalHoward replied to the topic Not losing FHOG if buying an Investment Property in the forum Help Needed! https://www.propertyinvesting.com/topic/4410664-not-losing-fhog-if-buying-an-investment-property/#post-4699175 Thu, 06 Feb 2014 04:30:25 +0000 Thanks Tom.

I just called RevenueSA and they have confirmed what you just said. You are still eligible for the FHOG if the Investment Property is bought post 1st July 2000 and is not lived in for more than 6 months.

You learn something new everyday.

Cheers.

Mikal

]]> 245b6cbef43c3dbf2f71c603b3fc9d9a MikalHoward started the topic Not losing FHOG if buying an Investment Property in the forum Help Needed! https://www.propertyinvesting.com/topic/4410664-not-losing-fhog-if-buying-an-investment-property/ Thu, 06 Feb 2014 00:55:14 +0000 Hi all,

It's been a while since I have been here. It's nice to see the same familiar posters are still out there doing their bit. Hope you are all well.

I have a question that I have had put to me.

Can you buy an investment property first and still have access to the First Home Owners Grant?

I'm thinking no but happy for your thoughts and…[Read more]

]]> 300918e6efa6ba6adcf8490a76f5be4b MikalHoward replied to the topic LETS GIVE OUR FARMERS GRANTS NOT HOLDEN in the forum General Property https://www.propertyinvesting.com/topic/4409807-lets-give-our-farmers-grants-not-holden/#post-4693786 Fri, 02 Aug 2013 23:58:28 +0000 As a recently redundant tradesman at Holden I absolutely don't agree with you in that the support money is a waste.

I do agree that our farmers need more support, absolutely. The two are very different sectors in our country's economy and need to be treated as such.

Manufacturing is extremely important as it is one of the four main contributors…[Read more]

]]> 0ee4728d814b55f95e13ec636b2a6a5b MikalHoward replied to the topic Accredited Mortgage Broker training face to face in the forum General Property https://www.propertyinvesting.com/topic/4409709-accredited-mortgage-broker-training-face-to-face/#post-4693280 Tue, 16 Jul 2013 03:12:00 +0000 Thanks Jamie.

I have noticed that and understand fully the need to be a "people person". That is most of what the job is.

The experience side of it is what I am looking forward to. Most, not all, but most jobs listed ask for experienced brokers or advisors so filtering through what employers actually want from a new employee will be fun if not…[Read more]

]]> c4064f5a41f3867c60a67b913a5bc7c5 MikalHoward replied to the topic Accredited Mortgage Broker training face to face in the forum General Property https://www.propertyinvesting.com/topic/4409709-accredited-mortgage-broker-training-face-to-face/#post-4693278 Tue, 16 Jul 2013 00:02:39 +0000 Cheers for your comments and suggestion everyone. I've had a look at all of the preferred providers now on the MFAA website and there are only two that offer face to face in Adelaide. The National Finance Institute and AAMC Training.

I am enrolled to do the Diploma of Financial Planning too and along with the Cert IV or Diploma of Finance and…[Read more]

]]> 5911df6d60df900c855fe3b5ee7f498b MikalHoward replied to the topic Buyers Agent in Bathurst, NSW in the forum Help Needed! https://www.propertyinvesting.com/topic/4409630-buyers-agent-in-bathurst-nsw/#post-4692872 Mon, 01 Jul 2013 12:36:17 +0000 Ah ok. I understand now. My meaning of what I said there was its "easy" because I like doing it. That's all. I know a lot goes into it for sure. 

Cheers for the comments mate. 

]]> de2ec5678aadf211ab1e5d46fb1c4eb9 MikalHoward replied to the topic Buyers Agent in Bathurst, NSW in the forum Help Needed! https://www.propertyinvesting.com/topic/4409630-buyers-agent-in-bathurst-nsw/#post-4692870 Mon, 01 Jul 2013 07:46:54 +0000 I'll PM her to have a chat then thanks Richard. Just a quick one too. Which bit do you not agree with? 

]]> cb1a04f2cfb14c5af3820ed6c309a98a MikalHoward replied to the topic Buyers Agent in Bathurst, NSW in the forum Help Needed! https://www.propertyinvesting.com/topic/4409630-buyers-agent-in-bathurst-nsw/#post-4692868 Mon, 01 Jul 2013 03:25:02 +0000 I am looking for CF+ properties more so than just in Bathurst. I know Bathurst a bit as I have family there but am open to other areas to look at. Its knowing where to start really that is the hard part. Choosing a location. The actual research part is easy then. A case of you don't know what you don't know.

Thanks for the comments.

]]> 697f80feb00212f10e0dc8bdf20b8834 MikalHoward replied to the topic Buyers Agent in Bathurst, NSW in the forum Help Needed! https://www.propertyinvesting.com/topic/4409630-buyers-agent-in-bathurst-nsw/#post-4692866 Sun, 30 Jun 2013 10:29:39 +0000 Cheers Richard. 

]]> ef42a524300d44b8f8ceeac9ff207df7 MikalHoward replied to the topic More job losses in Geelong in the forum Help Needed! https://www.propertyinvesting.com/topic/4409495-more-job-losses-in-geelong/#post-4691975 Mon, 10 Jun 2013 15:05:54 +0000 Thanks Freckle for your comment/response re isolation and how it shouldn't affect Australia. Fair point. We should be ok but still, a horrible thought to be a first world, highly developed country that does not have its own auto manufacturing sector. Say what you like, I don't believe it is a good thing to just let that disappear. I've been in the…[Read more]

]]> a8529963137c679ed8560b6b67fefe9b MikalHoward replied to the topic More job losses in Geelong in the forum Help Needed! https://www.propertyinvesting.com/topic/4409495-more-job-losses-in-geelong/#post-4691969 Sat, 08 Jun 2013 00:58:11 +0000 The Ford situation is not a vote buying situation. I am a Holden worker and I can tell you, I am feeling the Ford situation now more than ever. What the Government is trying to do is assist with career counsellors, re-training options and financial management assistance because the auto manufacturing industry, one of the most important industries…[Read more]

]]> eabbf025a62afcb911a520fb0bb2b98a MikalHoward replied to the topic Mortgage Choice - anybody used them before in the forum Finance https://www.propertyinvesting.com/topic/4409328-mortgage-choice-anybody-used-them-before/#post-4690610 Sat, 11 May 2013 01:16:03 +0000 I would have to agree with Jamie on this one.

I used Mortgage Choice a couple of times and had a excellent and an average experience. The first guy I dealt with was fantastic. Great to talk to, efficient and as it turned out, he was very passionate about property investing. Even to the extent of lending his services to a University to give talks…[Read more]

]]> 23a7d688a289ab6ec99d54c5d40e3381 MikalHoward replied to the topic Anyone use Terri Scheer Insurance? in the forum Help Needed! https://www.propertyinvesting.com/topic/4391896-anyone-use-terri-scheer-insurance/#post-4580412 Fri, 10 May 2013 08:51:03 +0000 That would/should be a consideration with any insurance policy from any company. Both of my properties are not in flood zones so Property Insurance Plus suits me perfectly and is a much better price than most I looked at. Just another company for peeps to compare against if nothing else.

]]> c1571f0378d583b7d43c4e7cce349864 MikalHoward replied to the topic Anyone use Terri Scheer Insurance? in the forum Help Needed! https://www.propertyinvesting.com/topic/4391896-anyone-use-terri-scheer-insurance/#post-4580409 Fri, 10 May 2013 01:00:24 +0000 Hi all,

I use Property Insurance Plus and am very happy with their cover. Plus I get to speak to a person each time I call as the agent gave me his work number and told me, if I have a question or a problem to call him directly. The agent I deal with is Stephen Blair.

Their contact details are as follows:

Property Insurance…[Read more]

]]> 5eea002a9a479d7e7fd3c469d686ff75 MikalHoward replied to the topic Steve's Property Apprenticeship Cert IV course in the forum I am not lying about the https://www.propertyinvesting.com/topic/4407345-steves-property-apprenticeship-cert-iv-course/#post-4675294 Sun, 21 Apr 2013 12:52:34 +0000 I am not lying about the price! I registered interest on the website, they emailed me back with the cost outlining everything that is on offer. I called them and spoke to someone at the office who verified it whilst discussing some of the finer details.

If you don't believe me, register yourselves and you will get the same email. DONE!

Surely,…[Read more]

]]> c1b831434003672e2d3df66ef0b36623 MikalHoward replied to the topic Terrible Real Estate agent. in the forum Opinionated! https://www.propertyinvesting.com/topic/4408935-terrible-real-estate-agent/#post-4688186 Sun, 21 Apr 2013 12:34:30 +0000 Hi Jeano,

I just figured, a post on here could at lease alert people in Adelaide (those who read posts here obviously) about her. As to why the contracts were failing, she would not tell us. I asked but she really had no intention of talking to us more than she absolutely had to. That was blatantly obvious.

Our feelings were that people just…[Read more]

]]> e1006b0a934adaea8161b0db53337fc3 MikalHoward replied to the topic Steve's Property Apprenticeship Cert IV course in the forum The date would suggest April https://www.propertyinvesting.com/topic/4407345-steves-property-apprenticeship-cert-iv-course/#post-4675292 Mon, 15 Apr 2013 03:13:35 +0000 The date would suggest April Fools but alas, I was not joking about the price quoted in the email I received or from the lady I spoke to on the phone regarding it. 

]]> 315221c7fe1d77da34cff0e725c228e0 MikalHoward replied to the topic Real Wealth Australia in the forum Heads Up! https://www.propertyinvesting.com/topic/4408954-real-wealth-australia/#post-4688283 Fri, 12 Apr 2013 09:12:21 +0000 Just posting this again, but is there anyone on the forum that has done the mentoring program with Real Wealth Australia and Helen Collier-Kogtevs. I'm as keen as mustard to learn her processes and get some real clarity in my property investing. 

]]> 498bf0fa9ce5d97e9c9460d0d8bff094 MikalHoward replied to the topic Steve's Property Apprenticeship Cert IV course in the forum Heads Up! https://www.propertyinvesting.com/topic/4407345-steves-property-apprenticeship-cert-iv-course/#post-4675290 Sun, 31 Mar 2013 22:35:16 +0000 Hi all,

I've had an email come through after registering interest in the property apprenticeship and the price is now $7995. The link mentioned above has not been updated. I have to admit I registered interest off of the price I saw in the link. The new price is now double that. Ouch!!

I'm more than positive the content is amazing, I just have…[Read more]

]]> bdbd12810195720465eebd6e8d24ded5 MikalHoward replied to the topic To travel to or not to travel to? That is the question. in the forum Help Needed! https://www.propertyinvesting.com/topic/4409078-to-travel-to-or-not-to-travel-to-that-is-the-question/#post-4689111 Sun, 31 Mar 2013 08:07:23 +0000 I am an active investor. I have 2 IP's in South Australia already. 

Are there any suggestions of who to contact and chat to then about properties interstate? 

]]> 4088823950fdf2718bd920c2d304e960 MikalHoward replied to the topic Privately renting out my property? in the forum Help Needed! https://www.propertyinvesting.com/topic/4409048-privately-renting-out-my-property/#post-4688893 Tue, 26 Mar 2013 06:37:10 +0000 Do not go without a PM! Even if you are a fully qualified PM yourself i wouldn't do it. Use professionals all the time. All costs, as minor as they are for the job they do, are tax deductible. Would you do your own accounting? Would you do your own conveyancing? Utilise the professionals who are trained in their field. It makes even more sense if…[Read more]

]]> bbfab2d98516a63d020ca58ff1a65507 MikalHoward replied to the topic Systematic Way of Determining Areas to Buy In in the forum Help Needed! https://www.propertyinvesting.com/topic/4409029-systematic-way-of-determining-areas-to-buy-in/#post-4688736 Sun, 24 Mar 2013 06:59:45 +0000 I feel exactly the same way Dennis. I have been reading lots of information, read umpteen books and watched several videos and DVD's on property investing and  am starting to feel like I have a much better idea of what I want to achieve and how to achieve it but have absolutely no idea how to find the starting point for what I want. There are so…[Read more]

]]> 20bf498fe14342e4290a419c6cd6c357 MikalHoward replied to the topic Julia Gillard calls Labor leadership ballot in the forum Opinionated! https://www.propertyinvesting.com/topic/4409011-julia-gillard-calls-labor-leadership-ballot/#post-4688654 Thu, 21 Mar 2013 09:46:13 +0000 I believe after today, and i'm not saying that they weren't before, but it's totally apparent now that the labor government is no longer about the people they represent. It's about who is in what position within the party. They have completely lost touch with every Australian citizen and what could/should/would benefit our nation. I'm not a…[Read more]

]]> 9d37a349ecada8d286e538493ab4ee5f MikalHoward replied to the topic Property Investment Calculator in the forum Help Needed! https://www.propertyinvesting.com/topic/4409002-property-investment-calculator/#post-4688588 Wed, 20 Mar 2013 14:51:51 +0000 I just checked it out from the link given above, and I picked it up for $19. Happy to pay that and see how it goes given it has a money back guarantee on it too.

Go for it. Looks great so far.

]]> 5e1a33dd7a44ad7dc8ba7f472d4a3f53 MikalHoward replied to the topic Investment Property Networks in Adelaide in the forum General Property https://www.propertyinvesting.com/topic/4408990-investment-property-networks-in-adelaide/#post-4688513 Mon, 18 Mar 2013 15:04:02 +0000 Hi Freezer15,

I am from Adelaide and am keen to learn as much as possible about property investing as possible. I have a couple of IP's already and know very well I haven't got them setup properly but I am happy with how they are progressing none the less.

I have put a separate post on here asking if any forum members know why it is that…[Read more]

]]> 4abc9539257eed7dfcff5f5c66c51461 MikalHoward started the topic Real Wealth Australia in the forum Heads Up! https://www.propertyinvesting.com/topic/4408954-real-wealth-australia/ Tue, 12 Mar 2013 06:32:26 +0000 I've done a search on Real Wealth Australia & it's founder Helen Collier-Kogtevs on the property investing forums here and there seems to not be much info & feedback on them here. Certainly not recently anyway. I've been doing lots of studying lately and have found everything I've read on her website to be the easiest to understand and not be…[Read more]

]]> 3d390b48d3a4268a019697ec99be9ee7 MikalHoward replied to the topic Terrible Real Estate agent. in the forum Opinionated! https://www.propertyinvesting.com/topic/4408935-terrible-real-estate-agent/#post-4688184 Sun, 10 Mar 2013 22:57:26 +0000 Hi Nigel,

Yes. Both offers were in writing with a stated deposit he was willing to put down. The first offer he had to poke and prod to get a sighted and signed letter of offer back so he knew where the vendor stood on it. This was just one of the annoying things that the agent either did or didn't do.

I totally understand that the vendor may…[Read more]

]]> 630afa8a5635e7dfdd2579164d4ee94b MikalHoward replied to the topic Terrible Real Estate agent. in the forum Opinionated! https://www.propertyinvesting.com/topic/4408935-terrible-real-estate-agent/#post-4688182 Sun, 10 Mar 2013 11:54:52 +0000 I've been thinking about going into the details but honestly, it's a long story and it could get very boring and long winded. Basically, the house started on the market in August 2012 for $449-459K. Between then and early January 2013, it went under contract 3 times and relisted each time with a lower asking price. Dad offered $436K, before the…[Read more]

]]> 5946f47b85cff307bf0a5f0a2119676a MikalHoward replied to the topic Property Investing Courses: MasterClass Starter + Advanced in the forum The Treasure Chest https://www.propertyinvesting.com/topic/4408829-property-investing-courses-masterclass-starter-advanced/#post-4687281 Sun, 24 Feb 2013 06:14:28 +0000 Hi dgirl,

Just wondering why you are selling the above mentioned courses?

Good/Not Good
Helpful/Not Helpful.

Mikal

]]>