My mum worked right up until the age of 55, retired with kidney failure, spent the next six years on dialysis three days a week and died at the age of 61. i don't want to live the same wokr focussed 'life'. I want to be able to choose what to spend my time on and who to spend it with.By he way, i am already over 40, hopefully i can retire at 50!…

I have just set up a trust and you need to have a tax file number  as a part of the trust structure. (this is a discretionary trust)

Don't get me started on the inept actions of this government. I have never seen as much wastage as is currently happening with the BER!!!! Working in a school i can see first hand how much money and time is being wasted. What a joke!!

yes, that describes a battle axe block. Building on this should be hassle free as long as you have good access to the site. Is there a house already built on the front block? Is there a seperate and defined driveway to the block or is the driveway a 'common' area?Are the services in place to the block such as sewerage etc? if not, these may be…[Read more]

I like to 'borrow' two sayings that i love 'Property is a girl's best friend' The title of one of the books that i like. The other saying is 'A man is not a financial plan' I can't remember where I read this, but it is so true for me in particular.Have you seen the charms on ebay of a for sale/sold  signs?I might have to get one of…[Read more]

Negaive gearing will stay as is. they are also looking at allowing superfunds to invest in property, which i thought they already did, maybe they will change the rules regarding this. Lower incomes are supposed to be better off with extra money in pocket each week. They are looking at imposing a hefty tariff on mining company's profits. I wonder…[Read more]

Hi, is a hammerhead block the same as a battle axe block?I bought a battle axe block in Redcliffe Qld, and it always rented well and sold for a good price when sold a few years later. Some people like to have their house front a street, others do not. bale axe blocks that back to bush are also often popular for people who like their privacy.

D I think you should kit yourself out in full makeup and teeth so that everyone will know who you are.have a great time everyone, I am not in a position to be there next weekend. i hope you have a great time, do some networking and find information that benefits you and your investing style..cheers  Sonya

Troodyg you should write a days of our lives script!!! I hope you ge there and that it is all worth it!!cheersSonya

jeffro who has applied for the loans for the two projects mentioned above? If you, are you able to hold these properties then rent the properties out for income? This way you are making even more money as you are not 'losing' money by paying selling costs. You also then have ongoing income from the rental.

Check with bunnings they run a lot of DYI nights and weekends. You might even be able to request this as a topic for them to cover. You will nedd to organse for an electrician and a plumber to disconnect or clamp any wiring and plumbing before removing taps and cooktops or wall ovens.  I have also seem some great second hand as well as new…[Read more]

This would be a better idea as it would be providng you with income and 'get your foot in the property door'. When the time comes you could do a knock down rebuild or reno to get the type of home that you want. You will probably find tha your tastes will change quite a bit between now and then.

I would imagine you can find better properties or similair properties without paying them a premium for the privilige. $39 a week doesn't sound like much but that adds up to over $2000 a year. Also check their figures, there may be other holding costs that they have not factored in such as rates, insurance, management fees etc.Also be wary if…[Read more]

Have you tried approaching them and asking if they are interested in selling? I would suggest you speak to some agents with local knowledge to see what they think the neighbours property is worth, then approach the neighbour with an offer in that vicinity. You may be able to offer a lower price by not involving real estate agents in the sale,…[Read more]

OOh, last of the big spenders!!!! I double bet you that you are right!!have you bought anything new lately?? I have just withdrawn an offer on a property that was very cashflow positive but the builder told me that it needed big bikkies spent on it. Luckily, he told me this without having me go to the expense of paying for a building  inspection.…[Read more]

Dhave you got an MP3 player, maybe you can record it to refer to later. Will need to check if you are allowed to record or not.have fun!!!Sonya

What is your loan structure? Is it IO or I and P. If you are paying an IP loan you have not got it structured correctly and may be required to pay significantly higher repayments. Have you got an offset account set up against the loan? is it possible to do this or do you have an offset account against a different loan? Is the current rental return…[Read more]

Some investors may buy houses near universites etc to lease to students, most people on this site choose not to buy 'student accommodation' in large compelexes as they do not historically have good capital growth and are also very difficult to obtain normal bank finance for.

H8i Nilix, I don't use any software as such, just do the numbers myself using the mortgage calculator on RE.com

IS there a more senior staff member who you can speak to regarding the lack of professionalism and customer 'service' that you are recieving? They may not care, however, if they value their reputation they may make efforts to ensure that this employee carries out their role until it is completed, not just until settlement.