PropertyInvesting.com | Paul B. | Activity https://www.propertyinvesting.com/members/paul-b./activity/ Activity feed for Paul B.. Mon, 13 Apr 2026 02:43:10 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 121d505d4b7a0949846028cfdbaf1fb6 Paul B. replied to the topic 13 year old wants to become a property developer in the forum Help Needed! https://www.propertyinvesting.com/topic/4410639-13-year-old-wants-to-become-a-property-developer/#post-4699060 Thu, 13 Feb 2014 23:42:16 +0000 Hi Tom,

If I was you I would focus on choosing subjects you enjoy during high school. You will be confronted with many distractions in your last couple of years (many alcohol related) and your motivation to focus on studies will be challenged. If you are enjoying school you will be more inclined to devote time and effort and this should manifest…[Read more]

]]> 55c24d5a1fa70c0eedd935167d42ced6 Paul B. replied to the topic The journey begins... in the forum Help Needed! https://www.propertyinvesting.com/topic/4410504-the-journey-begins-2/page/2/#post-4698096 Thu, 13 Feb 2014 10:42:11 +0000 So I found out my partner's friend from school is a successful mortgage broker and got some great advice.

NAB came to the table with a very competitive rate of 4.92% for our PPOR loan (previously 5.08%) and the Investment loan (variable IO)

Structured as follows:

Loan 1: $310,000 (PPOR, P&I)
Loan 2: $50,000 (Deposit, IO)
Loan 3: $297,000…[Read more]

]]> c3094a55bc49d35a51d21c51c9cffe8c Paul B. replied to the topic Accountant in Hunter Region in the forum Help Needed! https://www.propertyinvesting.com/topic/4410517-accountant-in-hunter-region/#post-4698206 Sat, 11 Jan 2014 21:59:28 +0000 Thanks guys.

I will follow up KLM. Cheers.

]]> 1f17cb5d7c47b59e6bcfa09335fa21de Paul B. replied to the topic The journey begins... in the forum Help Needed! https://www.propertyinvesting.com/topic/4410504-the-journey-begins-2/page/2/#post-4698094 Sat, 11 Jan 2014 21:57:56 +0000 TheNewGuy wrote:
Hi Paul. Good luck, and let us know how you go. I'm definitely interested to know what happens, particularly if you stay with the NAB.

Also, the $395 fee is per annum, so if you do stay make sure you get it put on a tax deductible account.

Oh my mistake. Excellent advice. Cheers :) I will let you know how it goes

JacM…[Read more]

]]> 80909be6f5ecfc40bd727d75de5438bc Paul B. replied to the topic The journey begins... in the forum Help Needed! https://www.propertyinvesting.com/topic/4410504-the-journey-begins-2/page/2/#post-4698091 Sat, 11 Jan 2014 11:57:29 +0000 Yeah I may have to swallow my pride and seek help. Thanks for the interest guys!

]]> c22ce05a9d774170277e359eac94b588 Paul B. replied to the topic The journey begins... in the forum Help Needed! https://www.propertyinvesting.com/topic/4410504-the-journey-begins-2/page/2/#post-4698088 Sat, 11 Jan 2014 11:04:36 +0000 The more I think about this, the more I am getting confused. Let me lay out the figures…

PPOR Value: $400,000
PPOR loan balance: $310,000
Equity @ 90% of PPOR value:  $50,000

Pre approved loan: $350,000
LMI: $6800

Can someone make sense of this?

]]> e81265d7139709219c4d9644ef3b9ed8 Paul B. replied to the topic The journey begins... in the forum Help Needed! https://www.propertyinvesting.com/topic/4410504-the-journey-begins-2/page/2/#post-4698087 Sat, 11 Jan 2014 10:55:18 +0000 The NewGuy:

1. agreed
2.Now my understanding from the meeting was that I don't pay interest on the equity. Why would I pay interest on money that is essentially already mine (i.e. not borrowed)? The way I see it is that the equity is already mine; I am using it to pay a deposit and cover fees on another loan.

Yes we are paying 5.08%

The $395…[Read more]

]]> a1e609e6fb3da09e67458efd43f4b114 Paul B. replied to the topic The journey begins... in the forum Help Needed! https://www.propertyinvesting.com/topic/4410504-the-journey-begins-2/page/2/#post-4698085 Sat, 11 Jan 2014 09:36:03 +0000 Thanks everyone for the advice. The key things that were discussed in the meeting:

1. Regarding LMI, I was told I am not paying the full amount. I am only 'topping up' the existing LMI payment to cover the additional borrowings. Does this add up? does $6800 seem right?
2. I was reassured that it was not cross-collateralised. The IP loan would be…[Read more]

]]> 9d67f0ac2f5b8716792ef95ffdfc8ed4 Paul B. replied to the topic The journey begins... in the forum Help Needed! https://www.propertyinvesting.com/topic/4410504-the-journey-begins-2/#post-4698081 Sat, 11 Jan 2014 07:23:14 +0000 Her explanation on the LMI is that the original LMI payment covered the original loan and I will need to pay additional LMI to cover the increase in borrowing brought on by the new loan.

Thoughts?

]]> 85c6a8d4e4cfc6eaa35f5c56e9fa83eb Paul B. replied to the topic The journey begins... in the forum Help Needed! https://www.propertyinvesting.com/topic/4410504-the-journey-begins-2/#post-4698080 Sat, 11 Jan 2014 07:21:39 +0000 I asked if this was cross collateralising and she informed me it wasn't. She said they are two separate loans and the original loan will not be affected. The bank is NAB.

]]> 2965efc4ad3a9db72bdf90774c17c6fd Paul B. replied to the topic The journey begins... in the forum Help Needed! https://www.propertyinvesting.com/topic/4410504-the-journey-begins-2/#post-4698077 Sat, 11 Jan 2014 06:17:07 +0000 Ok so went and talked to the bank. Some interesting outcomes:

1. The bank is willing to release 100% of the equity.
2. There was no credit on LMI (I will be charged $6800 on a $350,000 loan)
3. There will only be two loans. The release of equity is not treated as a loan.

Thoughts?? I was pre approved for $350,000.

]]> 27841438e45c91ed8e9dbd6ff757aaba Paul B. replied to the topic The journey begins... in the forum Help Needed! https://www.propertyinvesting.com/topic/4410504-the-journey-begins-2/#post-4698075 Thu, 09 Jan 2014 22:38:11 +0000 Awesome thanks for your help

]]> 353a8fef66d8c5a76b6cc955a1a1dfac Paul B. replied to the topic Seeking a Mentor or experianced investor in Newcastle / Central Coast in the forum Help Needed! https://www.propertyinvesting.com/topic/4410494-seeking-a-mentor-or-experianced-investor-in-newcastle-central-coast/#post-4697992 Thu, 09 Jan 2014 10:25:27 +0000 Are you coming down for business or pleasure Richard?

]]> 228709dd9d949ea76153148d324f775c Paul B. replied to the topic The journey begins... in the forum Help Needed! https://www.propertyinvesting.com/topic/4410504-the-journey-begins-2/#post-4698073 Thu, 09 Jan 2014 10:19:15 +0000 Jamie M wrote:
Hi Paul

PPOR
Loan 1: Your current PPOR loan
Loan 2: Equity release against PPOR to cover deposit/costs on IP (can be an IO loan or LOC)

IP
Loan 3: Remaining balance for IP

I am picturing something like:

Loan 1: Existing loan on PPOR (variable P&I w/ 100% offset)
Loan 2: Equity release against PPOR (circa $40,000 interest…[Read more]

]]> c253d79a79222ff7e1c7a7a3c8571952 Paul B. replied to the topic The journey begins... in the forum Help Needed! https://www.propertyinvesting.com/topic/4410504-the-journey-begins-2/#post-4698072 Thu, 09 Jan 2014 10:05:30 +0000 Qlds007 wrote:
I would also ensure your Banker structures the loan in such a manner to enable you to buy another IP when you want.

There are a couple of products that might let you have your cake and eat it at the same time.

Cheers

Yours in Finance

Would the structure suggested by Jamie M achieve this?

]]> 8ac36f700b105fa86cc2799028e4c16b Paul B. replied to the topic The journey begins... in the forum Help Needed! https://www.propertyinvesting.com/topic/4410504-the-journey-begins-2/#post-4698065 Wed, 08 Jan 2014 06:27:26 +0000 Hi Shahin,

Yes we did pay LMI for the PPOR. Does this have implications?

The valuation was a bank ordered valuation.

I will have to discuss with the bank the ins and outs of LOC v Standard loan.

]]> 377526cdbf11a617b2d1d8849f7784f8 Paul B. replied to the topic Seeking a Mentor or experianced investor in Newcastle / Central Coast in the forum Help Needed! https://www.propertyinvesting.com/topic/4410494-seeking-a-mentor-or-experianced-investor-in-newcastle-central-coast/#post-4697989 Wed, 08 Jan 2014 05:10:50 +0000 Hi Sampson,

I did a similar thing with Alan Fox from Propertunity. He was very helpful however he is very time-poor so you may struggle to catch him. Worth a shot regardless :)

]]> c1a65ba91a6a83806177a046af0129de Paul B. replied to the topic Painting yourself v hiring a painter in the forum Value Adding https://www.propertyinvesting.com/topic/4408904-painting-yourself-v-hiring-a-painter/page/2/#post-4687913 Thu, 02 May 2013 03:23:17 +0000 Thats disgraceful but you need to be on top of managing tradesman. You need to make sure 110% they know what you expect and what the scope of works is. I hope you didn't pay them until they fixed it up! 

]]> c569c6dc8c8d6926806a1e59e7d4a064 Paul B. replied to the topic Painting yourself v hiring a painter in the forum Value Adding https://www.propertyinvesting.com/topic/4408904-painting-yourself-v-hiring-a-painter/page/2/#post-4687912 Thu, 02 May 2013 03:17:31 +0000 I find it a lot easier to paint the frame (with some overstroke onto the wall) and then cut the wall in to the frame. If you do it the other way around then you are attempting to paint the frame edging (usually less than an inch wide) without overstroking onto the wall and this is bloody hard.

]]> bc09327bae7fa2a0cb351e0a11b03f20 Paul B. replied to the topic sub-division will take too long- must I wait?! in the forum Call your local Council and https://www.propertyinvesting.com/topic/4409038-sub-division-will-take-too-long-must-i-wait/#post-4688809 Tue, 26 Mar 2013 01:29:45 +0000 Call your local Council and ask if it would be permissible.

]]> 860ebdfe19142aaee28f5904ea05e669 Paul B. replied to the topic sub-division will take too long- must I wait?! in the forum Help Needed! https://www.propertyinvesting.com/topic/4409038-sub-division-will-take-too-long-must-i-wait/#post-4688804 Mon, 25 Mar 2013 06:10:13 +0000 bnd wrote:

So my question is, do we have to sub-divide first? 
We are going to own both homes on the property anyway, is sub-divison only more important when on selling? 

 

If the zoning allows it then you are allowed to have two dwellings on the one lot of land. They would be considered 'detached dual occupancies' which may be subdivided…[Read more]

]]> de635990c8466c895025639d5cd3e220 Paul B. replied to the topic Rezoning in the forum Help Needed! https://www.propertyinvesting.com/topic/4408976-rezoning-3/#post-4688400 Fri, 22 Mar 2013 03:05:00 +0000 Hi Kara,

Interestingly enough we were engaged by Kempsey Shire Council to write their draft LEP. Unfortunately you just missed the boat with putting in a rezoning application under the exhibition period. This would have saved you alot of time and money.

In a nut shell, a rezoning application requires you to provide justification as to why the…[Read more]

]]> 44633d1d2d59f6e4466d826699090875 Paul B. replied to the topic NSW Central Coast in the forum Help Needed! https://www.propertyinvesting.com/topic/4408953-nsw-central-coast/#post-4688281 Wed, 13 Mar 2013 02:24:07 +0000 Shape wrote:
Let them know you want to release some equity to invest into property – they will automatically ask you if you have found a place , as they would want to finance and lock you in for the 2nd mortgage as well :)

I'll provide you with a general run down that suits 70% of investors…however you should really obtain personalized advice…[Read more]

]]> 6f60ccef3ca25fda5797c93828234e61 Paul B. replied to the topic Painting yourself v hiring a painter in the forum Value Adding https://www.propertyinvesting.com/topic/4408904-painting-yourself-v-hiring-a-painter/#post-4687903 Tue, 12 Mar 2013 12:20:54 +0000 Catalyst wrote:

Paul B. wrote:
Also grab a tub of spackfilla and fill in any holes before you paint! Well worth the extra couple of minutes effort.

I can't believe how many people neglect to do this. I saw a house once that someone had bought to flip. They hadn't prepared the walls AT ALL. Just painted right over what was there. Chunks out…[Read more]

]]> 58903622719df39dd6b119dd06f6ddd4 Paul B. replied to the topic NSW Central Coast in the forum Help Needed! https://www.propertyinvesting.com/topic/4408953-nsw-central-coast/#post-4688278 Tue, 12 Mar 2013 12:14:48 +0000 Hi Michael,

Apologies for carrying this conversation over two forums haha. For everyone else's information; Regarding my circumstances, my partner and I are currently paying off a PPOR. We have built up some equity and we are looking to get into the investment game ASAP. I am therefore looking for an affordable property that has reasonable yields…[Read more]

]]> e58140f919013fcf577017f9c1a86e34 Paul B. replied to the topic Newbie with a few sub division Questions. in the forum Help Needed! https://www.propertyinvesting.com/topic/4408890-newbie-with-a-few-sub-division-questions/#post-4687833 Fri, 08 Mar 2013 00:31:02 +0000 Will be watching closely!

]]> fc5227eeda858ae70e2c276eb671ffad Paul B. replied to the topic Painting yourself v hiring a painter in the forum Value Adding https://www.propertyinvesting.com/topic/4408904-painting-yourself-v-hiring-a-painter/#post-4687901 Tue, 05 Mar 2013 11:07:22 +0000 Also grab a tub of spackfilla and fill in any holes before you paint! Well worth the extra couple of minutes effort.

]]> 0700cd1e2d35400352415ca435483947 Paul B. replied to the topic Is this a good investment idea? in the forum Help Needed! https://www.propertyinvesting.com/topic/4408862-is-this-a-good-investment-idea/page/2/#post-4687532 Tue, 05 Mar 2013 08:10:14 +0000 Sounds good ksun. Goodluck!

]]> 8648f9c0b7b55d19cc27581d5a9ab421 Paul B. replied to the topic Painting yourself v hiring a painter in the forum Value Adding https://www.propertyinvesting.com/topic/4408904-painting-yourself-v-hiring-a-painter/#post-4687897 Tue, 05 Mar 2013 07:44:22 +0000 Get on youtube and type in a few key techniques for example: how to cut-in walls, how to paint skirting boards, how to test if paint is water-based or oil-based etc. Just some simple guidance will save you a lot of heart ache.  The painting videos posted by bunnings will also give you a rundown of what supplies you will need.

Blue 3M tape is the…[Read more]

]]> c43b3000a17d860f7c8847be6d47b238 Paul B. replied to the topic My First Development Project - Advice Needed!! in the forum Help Needed! https://www.propertyinvesting.com/topic/4408322-my-first-development-project-advice-needed/#post-4682906 Mon, 04 Mar 2013 05:20:41 +0000 In NSW, generally a QS Certificate is required by Council to verify the development approval pathway. For example, if a project is going to have a capital cost in excess of $30 million, the the project is recognised as a regional development and is to be assessed by the State's Planning Assessment Commission, not Council. I can't see why a…[Read more]

]]> a0d30aac011852ca32de16541931ac9c Paul B. replied to the topic Is this a good investment idea? in the forum Help Needed! https://www.propertyinvesting.com/topic/4408862-is-this-a-good-investment-idea/page/2/#post-4687529 Mon, 04 Mar 2013 05:03:51 +0000 You still need to give short-medium term margins fair consideration because they will reduce the liklihood of your investment being a dud in the long term. If the figures don't stack up short-medium term then you are putting all your eggs in the 'long-term capital growth' basket which is risky.

I think when you tighten your figures up you need to…[Read more]

]]> 9cb3755eb2b55f80d89ad7f09d250de0 Paul B. replied to the topic Stuck at Council : / Granny flat storm water drainage issue on sloping block away from the road in the forum Help Needed! https://www.propertyinvesting.com/topic/4407791-stuck-at-council-granny-flat-storm-water-drainage-issue-on-sloping-block-away-from-the-road/#post-4678774 Fri, 01 Mar 2013 05:55:21 +0000 Council will rarely accept a stormwater design where runoff is discharged directly onto adjacent properties. As pointed out by Brazen, a dispertion pit would be an affordable solution.

]]> 18f7700f0676343bd75934c44e0c3e6e Paul B. replied to the topic Investing in Harris Park NSW 2150 in the forum General Property https://www.propertyinvesting.com/topic/4408697-investing-in-harris-park-nsw-2150/#post-4686294 Mon, 11 Feb 2013 05:51:43 +0000 Check out the free suburb report from http://www.residex.com.au – that will give you some background from an investment perspective

]]> 6efa5eed920f21dbf3cb2f66cda719b0 Paul B. replied to the topic Tax - Depreciation Clarification in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4408658-tax-depreciation-clarification/#post-4685967 Wed, 06 Feb 2013 08:49:08 +0000 On the topic of claiming depreciation…

If you renovate an investment property, can you only claim the set depreciation rate per year for the renovations? Also, I assume you are unable to claim depreciation once the property is sold?

]]> 27e4b70e27fb1faf855eed0377acf9f1 Paul B. replied to the topic PPOR to IP how to question in the forum Help Needed! https://www.propertyinvesting.com/topic/4408645-ppor-to-ip-how-to-question/#post-4685844 Wed, 06 Feb 2013 04:35:34 +0000 Terry/Jamie et al.,

If I were to turn my PPOR into an IP does the interest on the loan from that point become tax deductible? I recall you saying that it is only tax deductible if the purpose of the loan was for an investment (which it wasn't, it was to buy our home).

What happens in this situations?

]]> 574d8cd0cb156490c567678ecbbbc944 Paul B. replied to the topic Where to invest? - First time investor in the forum Help Needed! https://www.propertyinvesting.com/topic/4408666-where-to-invest-first-time-investor/#post-4686016 Wed, 06 Feb 2013 00:55:08 +0000 Hi Tracee,

Generally speaking investing close to the CBD would be a safer long term option. Regional properties require a little more finesse in timing the market to see strong capital growth. I think all property types (houses, duplex, apartment, units etc) have their place in the market, its a matter of understanding who wants to live there and…[Read more]

]]> aefc3d99e1bbf1218deccbaed259b90d Paul B. replied to the topic PPOR to IP how to question in the forum Help Needed! https://www.propertyinvesting.com/topic/4408645-ppor-to-ip-how-to-question/#post-4685838 Tue, 05 Feb 2013 01:04:53 +0000 Hi Kat,

Since no one has taken the time to help you Ill have a stab. Please take my advice with a grain of salt.

Regarding you loan on your PPOR (soon to be IP) – from what I have read it is best to convert the loan to IO with an offset account attached. The difference in repayments (between a P&I loan and a IO loan) should be placed into the…[Read more]

]]> ca0915f5112e5d1a67f5334f62a0f4f4 Paul B. replied to the topic Improvements to ex NSW Housing Commission House in the forum Value Adding https://www.propertyinvesting.com/topic/4408444-improvements-to-ex-nsw-housing-commission-house/page/2/#post-4683931 Mon, 04 Feb 2013 03:38:22 +0000 Keep us posted Shane! Some before, during and after photos would be great.

]]> fa56c9c5e98f3d1cfa852ae6ceba617b Paul B. replied to the topic Multiple Dwellings in the forum JacM, https://www.propertyinvesting.com/topic/4408533-multiple-dwellings/page/2/#post-4684802 Sat, 02 Feb 2013 03:31:35 +0000 JacM,

I got through a quote through AAMI for house and contents ($30000) + landlord protection for $1500. Does this sound reasonable?

]]> 8410238eb72cf57718c3afdd87787fdb Paul B. replied to the topic If you want to be a successful investor learn to do due diligence in the forum Help Needed! https://www.propertyinvesting.com/topic/4408610-if-you-want-to-be-a-successful-investor-learn-to-do-due-diligence/#post-4685499 Sat, 02 Feb 2013 00:57:58 +0000 Hahaha awesome dubstep

]]> d4700da69b4c54c7f4c711b4816b7479 Paul B. replied to the topic is it tax deductable from PPOR equity? in the forum Finance https://www.propertyinvesting.com/topic/4408618-is-it-tax-deductable-from-ppor-equity/#post-4685568 Thu, 31 Jan 2013 23:45:09 +0000 This structuring of finance stuff is addictive! Thanks for the help.

]]> 23e74713e0696c062d5f476538da96a4 Paul B. replied to the topic is it tax deductable from PPOR equity? in the forum I apologise for my ignorance https://www.propertyinvesting.com/topic/4408618-is-it-tax-deductable-from-ppor-equity/#post-4685563 Thu, 31 Jan 2013 09:21:27 +0000 I apologise for my ignorance but why wouldn't you just use the money straight from your offset account?

]]> ad443b8123621046b98897ed1058b705 Paul B. replied to the topic Double bedroom or single with BIRs in the forum Value Adding https://www.propertyinvesting.com/topic/4408616-double-bedroom-or-single-with-birs/#post-4685546 Thu, 31 Jan 2013 09:16:30 +0000 Thanks for your input guys. Will be keeping them!

]]> 7b93e9c5f88837aa61a5a7a34b5a8f8b Paul B. replied to the topic Double bedroom or single with BIRs in the forum Value Adding https://www.propertyinvesting.com/topic/4408616-double-bedroom-or-single-with-birs/#post-4685542 Thu, 31 Jan 2013 04:58:19 +0000 Great point BigCubez. Our area is dominated by young families so I guess the robes will stay.

]]> 34c649bd9db6309547cd1977fff2519d Paul B. replied to the topic If you want to be a successful investor learn to do due diligence in the forum Help Needed! https://www.propertyinvesting.com/topic/4408610-if-you-want-to-be-a-successful-investor-learn-to-do-due-diligence/#post-4685490 Wed, 30 Jan 2013 23:44:54 +0000 Thanks for the advice Nigel. As a newbie to property investment I am reluctant to increase my scope to beyond my local region. I feel that growing up in the Hunter Region gives me considerable advantage to an outsider looking to invest in the Region. Its almost like a sixth sense of knowing the desirable suburbs and areas poised for significant…[Read more]

]]> 3db39f04e9b13aa7783f995b4eecdb1d Paul B. replied to the topic Turning PPOR into IP in the forum Help Needed! https://www.propertyinvesting.com/topic/4408592-turning-ppor-into-ip-4/#post-4685332 Wed, 30 Jan 2013 23:26:30 +0000 Terryw wrote:
This is how I would do it.

List all the cash expenses in rows in excel
strata
rates
insurance
management
total

Then list all the non cash deductions
depreciation builing
depreciation fittings
loan costs (over 5 years).
total

Total costs = Cash costs + Non Cash costs

Income = rent

Taxable income of the property = Income less…[Read more]

]]> 9db3f79fed559d09995775ce8e1dd41e Paul B. replied to the topic Turning PPOR into IP in the forum Help Needed! https://www.propertyinvesting.com/topic/4408592-turning-ppor-into-ip-4/#post-4685330 Wed, 30 Jan 2013 12:00:53 +0000 Catalyst wrote:
Where do the $204 deductions come from?

You need to list all the outgoings for the house then add depreciation etc.  The rent you will be paying is not factored into it.
Just take that into account later. Not in your tax benefits.

You mentioned CGT and paying interest only as opposed to P&I. This has nothing to do with CGT. How…[Read more]

]]> eb3a1530ab661c44ee2eba6ab60d4845 Paul B. replied to the topic Turning PPOR into IP in the forum Help Needed! https://www.propertyinvesting.com/topic/4408592-turning-ppor-into-ip-4/#post-4685328 Wed, 30 Jan 2013 10:27:14 +0000 Hi Shahin,

No I would require a PM – ill add that in. I based the loan repayments on the loan (the interest component) itself. What am I missing? Insurance? This is the existing loan I have out on my PPOR.

]]> 2b65aafcf5f19bf6a82dd089e8fa8bea Paul B. replied to the topic Buying IP in the forum Help Needed! https://www.propertyinvesting.com/topic/4408605-buying-ip/#post-4685460 Wed, 30 Jan 2013 05:49:39 +0000 I personally would look to set myself up with a PPOR first. This will provide some stability for you and your children and can always become an IP later on.

]]> 6a227ceda6687f40002e745fd49fa6a8 Paul B. replied to the topic Turning PPOR into IP in the forum Help Needed! https://www.propertyinvesting.com/topic/4408592-turning-ppor-into-ip-4/#post-4685326 Wed, 30 Jan 2013 01:06:28 +0000 Sorry, table stuffed up.

]]>