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	<title>PropertyInvesting.com | Robbie B | Activity</title>
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				<title>Robbie B replied to the topic service station good &#38; bad in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4381375-service-station-good-bad/#post-4524032</link>
				<pubDate>Sat, 30 Jul 2005 03:54:55 +0000</pubDate>

									<content:encoded><![CDATA[<p>Service stations are a dying business since woolies and coles started discounting. Only a handful are surviving. These are the ones that are offering greater discounts by joining forces with local businesses or who focus on other things like groceries or operating the local post office.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic Definition of Investing in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4381386-definition-of-investing/#post-4524067</link>
				<pubDate>Sat, 30 Jul 2005 03:51:05 +0000</pubDate>

									<content:encoded><![CDATA[<p>I think I do&#8230;</p>
<p>Investing is a commitment of money, time or effort to achieve a desired result.</p>
<p>Examples&#8230;.</p>
<p>* investing in your child&#8217;s education by buying a mathematics software<br />
* investing the continued well-being of your local community by volunterring at the local soup kitchen<br />
* investing in shares to obtain financial benefit</p>
<p>As you can&hellip;<span class="activity-read-more" id="activity-read-more-169756"><a href="https://www.propertyinvesting.com/topic/4381386-definition-of-investing/#post-4524067" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Landlords insurance on commerical and LVR in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381371-landlords-insurance-on-commerical-and-lvr/#post-4524018</link>
				<pubDate>Sat, 30 Jul 2005 03:46:20 +0000</pubDate>

									<content:encoded><![CDATA[<p>Yes they do. They also add all other expenses associated with selling you up if it is not covered by the sale. This should not be a problem though as no-one plans to fail.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic Using equity from investment Properties to pay off in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4381355-using-equity-from-investment-properties-to-pay-off/#post-4523971</link>
				<pubDate>Sat, 30 Jul 2005 03:44:06 +0000</pubDate>

									<content:encoded><![CDATA[<p>I just find it cheaper to operate and more flexible than a trust. I also utilise the trust structure in some cases.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic Landlords insurance on commerical and LVR in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381371-landlords-insurance-on-commerical-and-lvr/#post-4524016</link>
				<pubDate>Sat, 30 Jul 2005 00:31:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>LMI = LENDERS Mortgage Insurance</p>
<p>It is a one off premium you are charged usually when borrowing more than 80% of the value of the property and is to cover the LENDER if you default. The LMI company will then pay the lender any shortfall and chase you for the funds.</p>
<p>Landlords insurance is another insurance you will also have to pay for and covers&hellip;<span class="activity-read-more" id="activity-read-more-76852"><a href="https://www.propertyinvesting.com/topic/4381371-landlords-insurance-on-commerical-and-lvr/#post-4524016" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Corporations Act in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4381368-corporations-act/#post-4524006</link>
				<pubDate>Sat, 30 Jul 2005 00:24:41 +0000</pubDate>

									<content:encoded><![CDATA[<p>It is not a betting establishment. No prices are being offered. All bets are to be put through licensed Australian bookmakers and betting agencies. It is just a pooling of funds and group betting for those who cannot do it themselves.</p>
<p>Re the Department of Gaming &amp; Racing, am awaiting a formal response from the Assistant Director. They seem a&hellip;<span class="activity-read-more" id="activity-read-more-73564"><a href="https://www.propertyinvesting.com/topic/4381368-corporations-act/#post-4524006" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Using equity from investment Properties to pay off in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4381355-using-equity-from-investment-properties-to-pay-off/#post-4523969</link>
				<pubDate>Sat, 30 Jul 2005 00:18:34 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks regrow. Looks like I am still screwed as it has been more than 12 months and construction has not started. I can always work it out later when I eventually build and back-date any available claims. May even end up working tax-free for a few years when considering the amount of interest I have paid.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor&hellip;</a></b><span class="activity-read-more" id="activity-read-more-21574"><a href="https://www.propertyinvesting.com/topic/4381355-using-equity-from-investment-properties-to-pay-off/#post-4523969" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Using equity from investment Properties to pay off in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4381355-using-equity-from-investment-properties-to-pay-off/#post-4523967</link>
				<pubDate>Fri, 29 Jul 2005 01:42:13 +0000</pubDate>

									<content:encoded><![CDATA[<p>Yep. That is why I buy property in a company name. If I want to live in it, I just &#8216;rent&#8217; it from the company. I have never owned a PPOR.</p>
<p>The stupidest thing I ever done was buy land which, I was advised, is non-deductible until I put a structure on it. Never again!</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic HELP !!!!!!! WHICH BANK   ??? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4381353-help-which-bank/#post-4523938</link>
				<pubDate>Fri, 29 Jul 2005 01:37:21 +0000</pubDate>

									<content:encoded><![CDATA[<p>You cannot use a guarantor unless you are buying property. That does not seem to be the case here. If the in-laws are willing to go guarantor and qualify, would they consider just borrowing the money and using it to pay all the debts and then &#8216;YOUR FRIEND&#8217; can make the repayments to their loan?</p>
<p>All the other information here has been excellent. I&hellip;<span class="activity-read-more" id="activity-read-more-65441"><a href="https://www.propertyinvesting.com/topic/4381353-help-which-bank/#post-4523938" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Sydney Discussion Group in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4381164-sydney-discussion-group/#post-4522759</link>
				<pubDate>Fri, 29 Jul 2005 01:29:11 +0000</pubDate>

									<content:encoded><![CDATA[<p>I must apologise for my lack of attendance last night. I hope everything went extremely well and I am disappointed with myself for not being able to get there.</p>
<p>I hope there is going to be further meetings (preferably at a later time or on the weekend) so a large bunch of us can make it without difficulty.</p>
<p>Sorry!</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investo&hellip;</a></b><span class="activity-read-more" id="activity-read-more-125600"><a href="https://www.propertyinvesting.com/topic/4381164-sydney-discussion-group/#post-4522759" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Banks offering lower rates to new customers in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4381251-banks-offering-lower-rates-to-new-customers/#post-4523298</link>
				<pubDate>Fri, 29 Jul 2005 01:24:56 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by Jerzy Balowski:</i><br />
<i>Where did you get the impression that my comments applied to your <b>example </b></i></p>
<p>Improper use of words&#8230;</p>
<p>example = personal situation</p>
<p>Sorry for the confusion.</p>
<p>I am also practising becoming more &#8216;Stroppy&#8217;!</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic Using equity from investment Properties to pay off in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4381355-using-equity-from-investment-properties-to-pay-off/#post-4523965</link>
				<pubDate>Fri, 29 Jul 2005 01:20:18 +0000</pubDate>

									<content:encoded><![CDATA[<p>There is no legal way of doing this. Paying off non-deductible debt regardless of the source of the funds results in the cost of those funds remaining non-deductible.</p>
<p>Look at alternative structuring to pay your loan down quicker. It is pretty amazing what can be done with some minor changes to how you pay your loan.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Inve&hellip;</a></b><span class="activity-read-more" id="activity-read-more-21570"><a href="https://www.propertyinvesting.com/topic/4381355-using-equity-from-investment-properties-to-pay-off/#post-4523965" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Calling all funding experts!! in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381332-calling-all-funding-experts/#post-4523838</link>
				<pubDate>Fri, 29 Jul 2005 01:16:48 +0000</pubDate>

									<content:encoded><![CDATA[<p>Kendo, you have to ask the valuer if they will assign to a specific lender. In most cases, they will say no because valuations for lending purposes have different guidelines and the valuer may be kicked off a panel if they do not do it the way the particular lender wants it done.</p>
<p>In my experience, I still see no benefit in ordering your own&hellip;<span class="activity-read-more" id="activity-read-more-136708"><a href="https://www.propertyinvesting.com/topic/4381332-calling-all-funding-experts/#post-4523838" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Mortgage Insurance in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4381314-mortgage-insurance-8/#post-4523765</link>
				<pubDate>Wed, 27 Jul 2005 10:43:09 +0000</pubDate>

									<content:encoded><![CDATA[<p>I would say no on this one but I am not an accountant. I think it is all based on the purpose of the expense at the time of paying which would have been PPOR. I don&#8217;t think you can dig up old expenses to deduct them.</p>
<p>Maybe ask this question in the accounting section. There are some good accountants on this forum.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Invest&hellip;</a></b><span class="activity-read-more" id="activity-read-more-63490"><a href="https://www.propertyinvesting.com/topic/4381314-mortgage-insurance-8/#post-4523765" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Need advice in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4381122-need-advice-6/#post-4522509</link>
				<pubDate>Wed, 27 Jul 2005 10:39:09 +0000</pubDate>

									<content:encoded><![CDATA[<p><a href="http://www.fhog.info" rel="nofollow">http://www.fhog.info</a></p>
<p>You will not lose the FHOG if you have never had a PPOR but there are exceptions if you have had investment properties for a long period.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic Banks offering lower rates to new customers in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4381251-banks-offering-lower-rates-to-new-customers/#post-4523296</link>
				<pubDate>Wed, 27 Jul 2005 10:27:59 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks for the kind comments guys&#8230;</p>
<p>Jerzy&lt; are you just bored?</p>
<p><i>Originally posted by Jerzy Balowski:</i><br />
Excuse me TMA, but my initial comments were in reply to a situation experienced by NATS12 that I found familiar.</p>
<p>I know. It was pretty clear in your post.</p>
<p>No, you did not read my first post accurately, because you somehow assumed that I&hellip;<span class="activity-read-more" id="activity-read-more-68816"><a href="https://www.propertyinvesting.com/topic/4381251-banks-offering-lower-rates-to-new-customers/#post-4523296" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Calling all funding experts!! in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381332-calling-all-funding-experts/#post-4523835</link>
				<pubDate>Wed, 27 Jul 2005 10:05:00 +0000</pubDate>

									<content:encoded><![CDATA[<p>Don&#8217;t get hung up on the independent valuation either. The lender will order a new valuation for &#8216;mortgage purposes&#8217;. These are often very different to what you get when you order your own.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic how can I finance 5 - 10 properties  in 1 year ?? in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4381328-how-can-i-finance-5-10-properties-in-1-year/#post-4523815</link>
				<pubDate>Wed, 27 Jul 2005 09:52:15 +0000</pubDate>

									<content:encoded><![CDATA[<p>Not everyone can do it. You need a good mix of positive cashflow income and decent capital gains. By the way, you can borrow far more than 80% of a property value.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic financing woes in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381265-financing-woes/#post-4523380</link>
				<pubDate>Wed, 27 Jul 2005 09:47:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>I agree with Steve. It should be far better over the longer term.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic how to maximise available cash in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381018-how-to-maximise-available-cash/page/2/#post-4521885</link>
				<pubDate>Wed, 27 Jul 2005 09:46:24 +0000</pubDate>

									<content:encoded><![CDATA[<p>I like looking deeper into topics.</p>
<p>Just on the capital gains issue, that is also fraud against the ATO. Any half decent auditor would find the &#8216;rebate&#8217; following a purchase on a &#8216;stacked&#8217; contract and start asking questions.</p>
<p>Is it really worth the risk?</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic Do banks really know what's going on...? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381214-do-banks-really-know-whats-going-on/#post-4523087</link>
				<pubDate>Wed, 27 Jul 2005 09:42:16 +0000</pubDate>

									<content:encoded><![CDATA[<p>It is not the brokers. It is the lenders.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic Bankwest Loans in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381016-bankwest-loans/page/2/#post-4521830</link>
				<pubDate>Wed, 27 Jul 2005 09:40:57 +0000</pubDate>

									<content:encoded><![CDATA[<p>hahahahahahaha&#8230;. I lost that title in 1998 after leaving the Gold Coast. It has been down hill ever since!</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic The Investor's Club in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4379777-the-investors-club-4/page/3/#post-4512846</link>
				<pubDate>Wed, 27 Jul 2005 09:37:17 +0000</pubDate>

									<content:encoded><![CDATA[<p>Richard, you can never be sued successfully by anyone for telling the truth or simply stating facts.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic financial help in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4381308-financial-help/#post-4523737</link>
				<pubDate>Tue, 26 Jul 2005 07:37:28 +0000</pubDate>

									<content:encoded><![CDATA[<p>I noticed you had a neutrally geared property. I must assume that you have some equity in this property for it to be neutral. Even though you would lose an income that matches a liability, you should receive a good chunk from the equity to pay down other debt. The net result would be a lower ongoing liability.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor&hellip;</a></b><span class="activity-read-more" id="activity-read-more-68510"><a href="https://www.propertyinvesting.com/topic/4381308-financial-help/#post-4523737" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Mortgage Insurance in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4381314-mortgage-insurance-8/#post-4523762</link>
				<pubDate>Tue, 26 Jul 2005 07:32:56 +0000</pubDate>

									<content:encoded><![CDATA[<p>Yes. It is an expense of buying property.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic Banks offering lower rates to new customers in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4381251-banks-offering-lower-rates-to-new-customers/#post-4523291</link>
				<pubDate>Tue, 26 Jul 2005 07:22:11 +0000</pubDate>

									<content:encoded><![CDATA[<p>Jerzy, I read your post just fine and my response was adequate. It seems you missed my comment about my post not being directed at you. I am over it.</p>
<p>If you think my above post was emotive in any way, you do not know me very well. I like to think of many of my posts as blunt and to the point. It is also interesting you consider my comments as&hellip;<span class="activity-read-more" id="activity-read-more-189798"><a href="https://www.propertyinvesting.com/topic/4381251-banks-offering-lower-rates-to-new-customers/#post-4523291" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic how to maximise available cash in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4381018-how-to-maximise-available-cash/page/2/#post-4521882</link>
				<pubDate>Tue, 26 Jul 2005 06:54:52 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by Terryw:</i><br />
CGT would be payable on what you paid for the property, including any rebates. Stacking the contract would not be required, but may be helpful in getting a higher valuation.</p>
<p>How is this helpful? Are you going to tell the new lender that you &#8216;stacked&#8217; the contract in an attempt to get a higher valuation? It is&hellip;<span class="activity-read-more" id="activity-read-more-63744"><a href="https://www.propertyinvesting.com/topic/4381018-how-to-maximise-available-cash/page/2/#post-4521882" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Do banks really know what's going on...? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381214-do-banks-really-know-whats-going-on/#post-4523085</link>
				<pubDate>Tue, 26 Jul 2005 06:45:34 +0000</pubDate>

									<content:encoded><![CDATA[<p>There is nothing wrong with multiple applications if they are for different purposes. I used to do this all the time. Full disclosure on the application avoids any questions when the lender does their checks.</p>
<p>You have to remember that there is really only one company holding credit information about everyone and only two companies holding most&hellip;<span class="activity-read-more" id="activity-read-more-52044"><a href="https://www.propertyinvesting.com/topic/4381214-do-banks-really-know-whats-going-on/#post-4523085" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Deductability of Capitalised Interest in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4381242-deductability-of-capitalised-interest/#post-4523259</link>
				<pubDate>Tue, 26 Jul 2005 06:34:44 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by benm:</i><br />
Sounds like no-one can decide whether or not capitalising is deductible.</p>
<p>I am very clear on capitalising interest to reduce non-deductible debt. It is NOT deductible in my opinion.</p>
<p>It is a totally different ball game when only investment properties are involved. I still do not see the point of planning to go&hellip;<span class="activity-read-more" id="activity-read-more-68233"><a href="https://www.propertyinvesting.com/topic/4381242-deductability-of-capitalised-interest/#post-4523259" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic ATO Audits low doc loans in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4381311-ato-audits-low-doc-loans/#post-4523751</link>
				<pubDate>Tue, 26 Jul 2005 06:28:31 +0000</pubDate>

									<content:encoded><![CDATA[<p>There is also nothing &#8216;SECRET&#8217; about the AusTrac database. It has been common knowledge for many years. The funniest thing about it is that, as Terry pointed out, people seem to think it only applies to transactions of 10k or more. It actually applies to any suspicious transaction. It can be for any amount.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor&hellip;</a></b><span class="activity-read-more" id="activity-read-more-96504"><a href="https://www.propertyinvesting.com/topic/4381311-ato-audits-low-doc-loans/#post-4523751" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic IP Interest in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4381281-ip-interest/#post-4523454</link>
				<pubDate>Sun, 24 Jul 2005 05:06:50 +0000</pubDate>

									<content:encoded><![CDATA[<p>If you paid it into the loan instead of an offset account or had no formal contract with your spouse, I would say you just lost a lot of deductibility.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic how to maximise available cash in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4381018-how-to-maximise-available-cash/page/2/#post-4521879</link>
				<pubDate>Sun, 24 Jul 2005 04:40:26 +0000</pubDate>

									<content:encoded><![CDATA[<p>So Hellman, please tell me the point of the whole exercise if not an attempt to defraud???</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic Sell Or Refinance in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381280-sell-or-refinance-2/#post-4523452</link>
				<pubDate>Sun, 24 Jul 2005 02:39:22 +0000</pubDate>

									<content:encoded><![CDATA[<p>Properties sometimes go down in value or remain stagnant. Other reasons include inability to borrow due to serviceability, LVR restrictions or property type / location (ie: lending policies).</p>
<p>It is also sometimes good to sell a poor performing asset to purchase better performing ones. Things change when considering investments and investors&hellip;<span class="activity-read-more" id="activity-read-more-277328"><a href="https://www.propertyinvesting.com/topic/4381280-sell-or-refinance-2/#post-4523452" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic how to maximise available cash in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4381018-how-to-maximise-available-cash/page/2/#post-4521877</link>
				<pubDate>Sun, 24 Jul 2005 01:09:20 +0000</pubDate>

									<content:encoded><![CDATA[<p><i>Originally posted by Terryw:</i><br />
Nine</p>
<p>One possiblitiy is to lend your money to your trust and then to buy a property for cash. Buy only bargins and Stack the contract up higher with a rebate on settlement.</p>
<p><b>Then after settlement apply for a loan to release your funds.</b> If you have purchased well, the valuation should come up higher and you may be able&hellip;<span class="activity-read-more" id="activity-read-more-253227"><a href="https://www.propertyinvesting.com/topic/4381018-how-to-maximise-available-cash/page/2/#post-4521877" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic how to maximise available cash in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381018-how-to-maximise-available-cash/page/2/#post-4521876</link>
				<pubDate>Sun, 24 Jul 2005 01:06:26 +0000</pubDate>

									<content:encoded><![CDATA[<p>I thought the second step involved obtaining finance from a lender based on the recent &#8216;stacked&#8217; contract???</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic What do you think? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4381270-what-do-you-think-8/#post-4523415</link>
				<pubDate>Sun, 24 Jul 2005 00:02:35 +0000</pubDate>

									<content:encoded><![CDATA[<p>Anyone who advocates a hard and fast rule regarding investing should be considered lacking in knowledge. The &#8216;never sell&#8217; advocates are so 10-20 years ago where views were very different.</p>
<p>I don&#8217;t know about anyone else, but when I buy assets, I like to profit from them as much as I can. If that means selling a current holding and taking a smaller&hellip;<span class="activity-read-more" id="activity-read-more-191220"><a href="https://www.propertyinvesting.com/topic/4381270-what-do-you-think-8/#post-4523415" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Banks offering lower rates to new customers in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4381251-banks-offering-lower-rates-to-new-customers/#post-4523289</link>
				<pubDate>Sat, 23 Jul 2005 23:55:37 +0000</pubDate>

									<content:encoded><![CDATA[<p>Jerzy, my comments were not directed at you. I was merely outlining a scenario that brokers get upset with. Don&#8217;t take it personally.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic Mortgage advice require - PPOR in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381204-mortgage-advice-require-ppor/#post-4523028</link>
				<pubDate>Sat, 23 Jul 2005 23:53:26 +0000</pubDate>

									<content:encoded><![CDATA[<p>Unfortunately, it looks like the OSR website is down at the moment. I do not want to answer on stamp duty concessions until I check it out more. I guess your decision will come down to how much you expect to lose with a property decreasing in value compared to selling pre-settlement and buying something else.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor&hellip;</a></b><span class="activity-read-more" id="activity-read-more-232731"><a href="https://www.propertyinvesting.com/topic/4381204-mortgage-advice-require-ppor/#post-4523028" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Owner occupied or investment mortgage? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381221-owner-occupied-or-investment-mortgage/#post-4523134</link>
				<pubDate>Sat, 23 Jul 2005 23:44:14 +0000</pubDate>

									<content:encoded><![CDATA[<p>TMA = Robert (Not Terry) <img src="/wp-content/uploads/smileys/smile.gif?x75824" width="" height="" alt=":)" title=":)" class="bbcode_smiley" />))</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic Inner City Apartments on the Nose in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4381228-inner-city-apartments-on-the-nose/#post-4523161</link>
				<pubDate>Sat, 23 Jul 2005 12:13:37 +0000</pubDate>

									<content:encoded><![CDATA[<p>Inner city units are the road to disaster. They have been pretty useless since 1999-2000. I would not waste my time even looking at any size unit any more even though there is the rare deal here and there.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic Mortgage Broker in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4381261-mortgage-broker-4/#post-4523367</link>
				<pubDate>Sat, 23 Jul 2005 12:10:05 +0000</pubDate>

									<content:encoded><![CDATA[<p>These days, a broker will even pay you for your business. What else do they have to do to get your business &#8211; make your loan repayments for you????</p>
<p>SEE A BROKER!</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic Sydney Discussion Group in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4381164-sydney-discussion-group/#post-4522749</link>
				<pubDate>Sat, 23 Jul 2005 12:07:35 +0000</pubDate>

									<content:encoded><![CDATA[<p>6:30 PM may be a little early. Peak hour nightmares and trying to get there after work. What does everyone else think? A bit later maybe?</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic Banks offering lower rates to new customers in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4381251-banks-offering-lower-rates-to-new-customers/#post-4523287</link>
				<pubDate>Sat, 23 Jul 2005 12:03:59 +0000</pubDate>

									<content:encoded><![CDATA[<p>Jerzy, your example is what most brokers hate. They do a heap of work to get you a better deal elsewhere and you end up staying with the lender that has been ripping you off for years and the broker does not get paid.</p>
<p>If you tell the lender to provide you with the discounted rates or you will refinance out of there, they will match it. It is&hellip;<span class="activity-read-more" id="activity-read-more-189794"><a href="https://www.propertyinvesting.com/topic/4381251-banks-offering-lower-rates-to-new-customers/#post-4523287" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic financing woes in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381265-financing-woes/#post-4523377</link>
				<pubDate>Sat, 23 Jul 2005 11:58:48 +0000</pubDate>

									<content:encoded><![CDATA[<p>Personally, I would use two lenders. One for the residential properties and another for the boarding house. You are being done a huge favour with 80% LVR on the boarding house so snap that up. It is usually lower than this.</p>
<p>90% refinance is available from various lenders. You seem to be having problems because you are trying to go direct. Let a&hellip;<span class="activity-read-more" id="activity-read-more-200508"><a href="https://www.propertyinvesting.com/topic/4381265-financing-woes/#post-4523377" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Do banks really know what's going on...? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381214-do-banks-really-know-whats-going-on/#post-4523081</link>
				<pubDate>Sat, 23 Jul 2005 11:53:19 +0000</pubDate>

									<content:encoded><![CDATA[<p>This is dodgy stuff&#8230;</p>
<p>Just to put your mind at ease, banks do not ask for copies of bank statements etc for nothing. Bank statements tell a great story. If you do have credit cards etc that you do not declare, apart from seeing an application on your credit history (which they may ask about if you do not declare the card because you may have&hellip;<span class="activity-read-more" id="activity-read-more-52040"><a href="https://www.propertyinvesting.com/topic/4381214-do-banks-really-know-whats-going-on/#post-4523081" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Owner occupied or investment mortgage? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381221-owner-occupied-or-investment-mortgage/#post-4523132</link>
				<pubDate>Sat, 23 Jul 2005 11:49:00 +0000</pubDate>

									<content:encoded><![CDATA[<p>Lose this broker quickly&#8230; as &#8216;Simon Say&#8217;s&#8217;, this is basic stuff. You do not have a choice if a loan is regulated or not. If you are going to live in it, it has to be regulated. If it is an investment property, it is not regulated. This applies as to your intentions on day of settlement. You can change your mind the day after settlement without&hellip;<span class="activity-read-more" id="activity-read-more-152675"><a href="https://www.propertyinvesting.com/topic/4381221-owner-occupied-or-investment-mortgage/#post-4523132" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic Mortgage advice require - PPOR in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4381204-mortgage-advice-require-ppor/#post-4523026</link>
				<pubDate>Sat, 23 Jul 2005 11:44:16 +0000</pubDate>

									<content:encoded><![CDATA[<p>Munjy is spot on about what I would say&#8230; Interest Only with Offset ALL THE WAY!!!</p>
<p>There is another option&#8230;.</p>
<p>Sell the property now before the expected additional losses are incurred. You can on-sell a property before settlement. From what I have read, you would take much less of a whack.</p>
<p>Regarding the FHOG and stamp duty concessions, no-one&hellip;<span class="activity-read-more" id="activity-read-more-226634"><a href="https://www.propertyinvesting.com/topic/4381204-mortgage-advice-require-ppor/#post-4523026" rel="nofollow">[Read more]</a></span></p>
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				<title>Robbie B replied to the topic FHOG in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381218-fhog-9/#post-4523119</link>
				<pubDate>Sat, 23 Jul 2005 11:37:08 +0000</pubDate>

									<content:encoded><![CDATA[<p><a href="http://www.fhog.info" rel="nofollow">http://www.fhog.info</a></p>
<p>All information is available online. As long as your parents do not go on title, you will have no problem with FHOG.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic how to maximise available cash in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381018-how-to-maximise-available-cash/page/2/#post-4521874</link>
				<pubDate>Sat, 23 Jul 2005 11:35:31 +0000</pubDate>

									<content:encoded><![CDATA[<p>I think Terry is staying away from this one now. I have been awaiting responses to many questions about this (what I consider to be) totally illegal and fraudulent practice.</p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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				<title>Robbie B replied to the topic Bankwest Loans in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4381016-bankwest-loans/page/2/#post-4521827</link>
				<pubDate>Sat, 23 Jul 2005 11:32:49 +0000</pubDate>

									<content:encoded><![CDATA[<p>Steve, I think that was just an attempt at firing me up by kendo (aka ???). <img src="/wp-content/uploads/smileys/smile.gif?x75824" width="" height="" alt=":)" title=":)" class="bbcode_smiley" /></p>
<p><b>TMA </b><br />
<b><a href="http://www.email4money.info/" class="bbcode_url" rel="nofollow">http://www.email4money.info</a></b><br />
<b><a href="http://www.themortgageadviser.com.au/index_files/essential_links.htm" class="bbcode_url" rel="nofollow">Investor Links</a></b><br />
<b><a href="http://www.fhog.info/" class="bbcode_url" rel="nofollow">First Home Buyer Website</a></b></p>
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