https://www.propertyinvesting.com/members/ralph-z/activity/ Activity feed for Ralph Z. Fri, 17 Apr 2026 18:27:02 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 6c56548468c40abf516c48976b46c622 https://www.propertyinvesting.com/topic/4408200-any-good-financial-adviser/page/2/#post-4681908 Sat, 15 Dec 2012 09:40:56 +0000 Hi Terry:
  Yes, I agree with you it is expensive. I think your background will definitely give you a lot of advantages as if you can do all those thing as a bundle. Everyone is doing upfront fee plus an ongoing fee though, you may consider that as well. I can decide just take the statement of advice and not use them for ongoing management, guess…[Read more]

]]> 7312f4013587693aee51fcd18926696b https://www.propertyinvesting.com/topic/4408200-any-good-financial-adviser/page/2/#post-4681906 Fri, 14 Dec 2012 05:38:09 +0000 Hi Terry:
    no, as far as i know, they will just give you all the options, you decide what to do, and you would then need to speak to accountant and lawyers etc.
     cheers

]]> fccb583b21bf8ba3e9f9bada3f75d925 https://www.propertyinvesting.com/topic/4408200-any-good-financial-adviser/page/2/#post-4681900 Wed, 12 Dec 2012 12:59:38 +0000 Hi Aussieguy:
       You should choose independent advisors (google independent financial advisor), they don't take commissions from any product provider, there is one adviser I talked to who would rebate all the commission back to me in case the product provider insists to give commission. oppositely, some of the advisers will just recommend…[Read more]

]]> d041eae03d16a6ef54f8fd71716b6922 https://www.propertyinvesting.com/topic/4408200-any-good-financial-adviser/page/2/#post-4681899 Wed, 12 Dec 2012 12:52:49 +0000 Hi Terry:
      First meeting is free for all the advisers, I think that's the norm in the industry now. Once you've decided to go with them, they will charge 2000-6000 for the Statement of advice, and another 4000-8000 for ongoing management. The one I decided to go is around 3000+6000, the one with more experience charges about 5000+8000.…[Read more]

]]> e6a3d70ce63d69ba847415c203f46d41 https://www.propertyinvesting.com/topic/4408200-any-good-financial-adviser/page/2/#post-4681897 Wed, 12 Dec 2012 12:48:44 +0000 Hi Derek：
 Thanks for your comments again, I've talked to 3 independent ones, and I think I've decided to go with the one whom is easier to talk and with relatively solid financial background. I will update later to share their services. cheers
      regards
         Ralph

]]> c07a6d6d68dbff14260e952203fd6d4a https://www.propertyinvesting.com/topic/4408200-any-good-financial-adviser/page/2/#post-4681892 Tue, 11 Dec 2012 11:29:14 +0000 Hi all:
  Just in case you guys see this thread again, I've talked to 4 advisers now, and I've narrowed down to two advisers to choose from: one is very nice to talk to and with good background, the other is a little bit harsh but with more experience. Please advice, struggling at the moment
  cheers
   Ralph

]]> 37d59b688f8719c14745d8b06abe3748 https://www.propertyinvesting.com/topic/4408200-any-good-financial-adviser/#post-4681887 Wed, 05 Dec 2012 11:14:02 +0000 Hi Callmeles or les?  :
        Thanks for your info, but I am more comfortable of  face to face consultation.
 regards

]]> 3d33901c8e7dfab664631a43d16bc3f7 https://www.propertyinvesting.com/topic/4408200-any-good-financial-adviser/#post-4681886 Wed, 05 Dec 2012 11:12:44 +0000 cheers, Derek. I am seeking financial advisers now, are independent advisers better? any clue? 

]]> 4420394d3395081e6a397a144e81d657 https://www.propertyinvesting.com/topic/4408200-any-good-financial-adviser/#post-4681885 Wed, 05 Dec 2012 11:10:46 +0000 Hi Terry:
  Thanks for your comments, I talked to two financial advisers today: one is from MLC, he's basically recommending MLC management funds; the other one is an independent adviser, he is more genuine and basically set a strategic financial plan for me, but i will need to pay for further details. I will talk to two more advisers, and I will…[Read more]

]]> 782c75e720da2868f3ee81a0e2869c73 https://www.propertyinvesting.com/topic/4408181-my-newbie-investing-experience-shared-and-direction-advice-needed-please/#post-4681753 Mon, 03 Dec 2012 11:05:30 +0000 I am a newbie, haven't bought any bonds or stocks before, you can buy them with loans as well? I am kind of shocked.
 cheers

]]> 64784ee55ce54ba7271e017fa60bc527 https://www.propertyinvesting.com/topic/4408200-any-good-financial-adviser/#post-4681878 Mon, 03 Dec 2012 06:50:46 +0000 Hi Terry:
 I talked to my accountant friend, he told me that I should set up a corporate trust to get tax benefit and also protect my asset in case it has gone bad.  
  Cheers

]]> e95072de5a8bc5d812395c140620b118 https://www.propertyinvesting.com/topic/4408181-my-newbie-investing-experience-shared-and-direction-advice-needed-please/#post-4681751 Mon, 03 Dec 2012 06:45:36 +0000 Thanks all, I am thinking of borrowing 1mil for a commercial property, 50%LVR, or invest some of my money into shares or bonds  and then buy a smaller commercial property. Still not decided, so I am thinking of talking to a financial advisor to clear my mind a bit.
 cheers

]]> 95c66af38f2206ba37cd865eac23e1a0 https://www.propertyinvesting.com/topic/4408200-any-good-financial-adviser/#post-4681876 Mon, 03 Dec 2012 06:28:17 +0000 Hi Bruce:
  thanks for your advice, I think I will use a financial advisor for short term and be an active investor in the long run.
 Cheers
   Ralph

]]> d3c96df39d106c072b7d037f49f1b1a4 https://www.propertyinvesting.com/topic/4408200-any-good-financial-adviser/#post-4681875 Mon, 03 Dec 2012 06:06:49 +0000 Hi Jamie:
 Thanks for helping again, originally I intended to invest in commercial property with the cash ( about 1 mil) I have in hand, then I thought it might be good to talk to a pro financial advisor to discuss my options like property, bonds, shares etc. I will definitely talk to accountant and broker as well.
 Cheers
   Ralph

]]> 9ccb756c2f0016749115802dd9e25640 https://www.propertyinvesting.com/topic/4408200-any-good-financial-adviser/#post-4681874 Mon, 03 Dec 2012 05:58:24 +0000 that really helps to narrow down my direction, Cheers Bruce

]]> 1d3368c39ea909b7ccc9a6de00cdecbe https://www.propertyinvesting.com/topic/4408181-my-newbie-investing-experience-shared-and-direction-advice-needed-please/#post-4681747 Sun, 02 Dec 2012 11:24:23 +0000 So, you are saying its the lender who makes the call not the broker? Is it possible to negotiate rates with banks if I've got good financial status? cheers

]]> 6b221e3a2df8af1f84a3da2478b589d8 https://www.propertyinvesting.com/topic/4408181-my-newbie-investing-experience-shared-and-direction-advice-needed-please/#post-4681745 Sat, 01 Dec 2012 00:13:55 +0000 Hi Shahin:
 Thanks for your advice. Guess I will talk to the professionals soon to clarify finance, tax, direction issues.
Re to the broker issue, he told me he finances millions of dollars per year, that's why he can get a better rate, doesn't that make sense?

]]> 89c6d01b57a42980f6d6881065a9c00a https://www.propertyinvesting.com/topic/4408181-my-newbie-investing-experience-shared-and-direction-advice-needed-please/#post-4681744 Sat, 01 Dec 2012 00:06:57 +0000 thanks Terry, I think I will go and talk to an accountant soon.

]]> 56d88f2a31ee57eca620e51e046aea70 https://www.propertyinvesting.com/topic/4408181-my-newbie-investing-experience-shared-and-direction-advice-needed-please/#post-4681741 Fri, 30 Nov 2012 00:27:01 +0000 Hi xdrew, thanks for your comments.
You are right, there isn't much difference between 1 or 2 interest points after I applied the numbers which I didn't realize before. For the new investment, what I'm thinking is get a 2 mil property, I will leave the 1mil in the bank to offset the interest and maybe rent when it is vacant, because all I want is…[Read more]

]]> 6c96f34bf366a5dca78987e8d652cdca https://www.propertyinvesting.com/topic/4408181-my-newbie-investing-experience-shared-and-direction-advice-needed-please/#post-4681739 Thu, 29 Nov 2012 03:20:50 +0000 what I've also learnt is don't invest in an area with so many similar properties,coz at the time of leasing and selling, the competition will definitely hit you 

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