long time no chat…

i have few different rides that i drive around in…

when i want to get round real fast, i drive my

2006 Mazda Rx8 Revelation Limited Edition – Fully Optionised with diamond rims – total sports/luxury car just over $100k and fully paid off,

my next ride that when i want to just go crusing and do some light 4wd…[Read more]

but my honest opinion would be, if you are looking to further your studies later on, to go to university, doing a diploma, can get you into that…[Read more]

sorry to help talk up the area… but.. i have ip’s there too.. (go you good thing…!)

Cheers,
sis

Wanna Talk About Stocks

not everyone, has access to pension plans, as they will either be eligible on the entry criteria.. will be almost impossible to gain…

not everyone has super, nor other assets as investments

if that is the case.. then can you see were the world is leading too..

honestly, theres nothing really that can stop this…[Read more]

but superannuation law has been changed, and the year to be eligible for super is, really if you were born after 1945 + 65 years of old age, prior to being born before 1945, alot people didnt have a think called super.. but a thing called a pension plan, our government has set down the law and its…[Read more]

Cheers,
sis

Wanna Talk About Stocks

we will see the biggest crash, recession, depression in all history occur in 2010 – 2011… (pretty much in that one year..)

anyways.. im happy to bet anyone that, that year we will experience the crash.. as most days, im dreaming and planning on how to tackle the crash head…[Read more]

this might sound a little crazy, but try what i did… travel right round Australia, and through your travels around Australia, you will definetly see there are many different areas to be buying in..

i have property in a few different states, all over the country, yet my mother she buys property overseas, (but thats just her way of…[Read more]

its just not really profitable in the Australian Market to be doing cover calls, you need a stock with a high volatility (IV), were a premium, can be captured, but mainly its because, most stocks in australia need to be written ATM or ITM, to collect a premium high enough, to make money..

the other reason too is.. doing a cover call on 1…[Read more]

— personal, they are very risk adverse… (not my cup of coffee.. lol)

Cheers,
sis

Wanna Talk About Stocks

back again.. you guys can talk about option spreads and all, and i totally agree with, that debit, credit spread would be much better to do.

but just keeping it to a very simple super fund strategy over 20 years.

and pooling peoples money together and rolling the appreciated funds into better yeilding assets and further talking again,…[Read more]

thats true.. though if you look from a buy write (cover call position) it can be quite expensive, if your under-capitalised (which is the problem with most superfunds)

to do a decent effective covercall on say a stock such as QAN, you would need roughly 10,000 units * $3.26 = $32,600, if you were to do BHP, you would need roughly around…[Read more]

totally forgot about that…

as for structures, this would work well if the superfund, was created via a Unit Trust – being set up this way, people are entitle to how much they contribute to the fund, but its equally divided, into equals shares, at the end of the day, of how much your contibuted, and how much your Net Asset Value…[Read more]

* Buy Writes (cover calls) but only on the following stocks. OST, LHG, SRP, QAN (reason being, is that they are under $3.50) and it does not require extensive capital as other stocks like BHP to purchase when doing Buy Writes paper assets, flutation to market movement, growth available,…[Read more]

Cheers,
sis

** will share after some more coffee..

Wanna Talk About Stocks

Cheers,
sis

Wanna Talk About Stocks

so far your, the only person, who has come up with a good solid quality answer..

ive been thinking for the last 24 hours.. my sister and my mate up here in Brissy, have posed me the question, in helping them think of strategy that might work..

ive thought it over and over again, and ive come to a simple strategy, that will meet more…[Read more]

this is a serious question, many of us, are posed, in this same position right now, and we should be thinking of how, we will replace out income of today, with some form of income in the future… and if super is all we have in forced.. savings..

… how would we go abouts in making our super, grow and some what be able to replace our…[Read more]

is there any strategy, you could think of that…[Read more]

the reason why i cant get a credit card with them, (and particuly i dont care and want to borrow their money) is that ive had to many inquires on my credit report, for borrowing money, (just for every new loan application, its a new hit on my credit report)

i showed them full financials and all, its just with there credit card…[Read more]

CBA all the way…! (thumbs up)

ANZ… i dont thinks so, they seem to have a problem with people earning money and the ability to service debts, while some people who have no income are able to still get credit cards and personal loans through them… (worse bank i believe)

Cheers,
sis

Wanna Talk About Stocks

Due to time restraints would be happy to happy to answer and direct by email to start with.

Cheers Richard
richard at castlewhite.com.au
Email me for details of our Qld wrap CD which gives you a full Installment Contract.

Hi Richard,

I would seriously…[Read more]

the nightmare of people wallpaper…

… actucally these are my favourite properties to buy.. nobody likes peeling off wall paper… but having done it several times and it being full day consuming the best thing and honest thing ive found that works is…

** go to bunnings hire the wallpaper steamer.. (rougly around $90 a week…[Read more]

thank goodness for broadband…

Cheers,
sis

Wanna Talk About Stocks

Cheers,
sis

Wanna Talk About Stocks

i think 4 days is too long, if its an investment, same day or 24 hours should be enough, cause if someone is…[Read more]

thanks for your post.. it is maximum gearing.. probably more suited for a young couple not a couple in there 50’s and 60’s, but yes your correct, if we did put that excess and rental income into straight offset facilities, the equation, would be definetly be different and the return rate would be much faster.. and bigger.. and in all…[Read more]

$12,000 + $2740 (from $5 rental increase) = $14,740

or

$12,000 + $5460 (from $10 rental increase) = $17,460

****

from the 2 available funds we have above, and realisticly for myself, (knowing that my rentals are consistently being monitored and increased) i will only do the example on the funds of $17,460

our…[Read more]

$110,000.00 Property Value Year 1
$121,000.00 Property Value Year 2
$133,100.00 Property Value Year 3
$146,410.00 Property Value Year 4
$161,051.00 Property Value Year 5

Rental Increase @ $5 (every 6 months) ($5 x 26 weeks)

Year

1st 6 months

2nd 6 months

(jan- jun) (july – dec)

1

$130

$260 (increase cashflow of $390 for the…[Read more]

i really like Rob’s example, as an investor… this would be very similar the way i would caculate his figures…

though as an investor… this is how, i would make this property work so hard and to ensure that over the 5 years.. this one property investment has now turned into 5 – 10 property investments, from just the one investment…[Read more]

ill tell ya the story later on, how it was bought cheap, refinace cost were very low, it was just a one off time of $6000, to cover legals and stamp duty, but the refinance cost was only about a few hundred dollars, but due to the market moving fast and the property well truly undervalued.. (for a very good reason)

… but due to a…[Read more]

Thanks Rob and Redwing,

why im thinking this way is.. i know a public trustee place, where they auction off jewellery, there not for a profit, but to make the sale, and each week they auction off many different things, though attending one auction, some jewellery was selling for a 90% discount.

the idea is to buy the cheap jewellery, get…[Read more]

logan, ipswich, (for both short term and long term growth.. but nicely annulised..)

but for very short term growth.. (rockhampton, both south and northside.. though preferably north…)

Cheers,
sis

Wanna Talk About Stocks

sorry to be a pain again.. would you know any good lenders, who take jewellery, as security.. and do you know roughly what there interest rate they charge… or how much of the value of the asset they will look at as security, in a property purchase… (such as jewllery)

Cheers,
sis

Wanna Talk About Stocks

what i like doing is, buying high growth properties, in which i can predict, or have a good guess that it will double in a 2 year period. (or just have substainal growth)

eg..

property purchase 100k (10% deposit) 90k loan – 10k cash
property revalue- 125k (10% equity) $112,500 loan – 12,500 redraw
property revalue- 150k (10% equity)…[Read more]

Cheers,
sis

Wanna Talk About Stocks

the LMI fee wasnt much, as far as i can remember, to be honest im not so sure, cause ive done a few transactions like this a few times now.. but my interest rate is 6.84%

though i know that with my LMI its quite good, though because, each time my property goes in value, i actually do refinace, it, up to 90% LVR and redraw the excess…[Read more]

my family owns quite a few property in the philippines, we bought it off the plan from a development corporation there, in an area called Landayan – San Pedro, / Laguna, we also have alot of acerages and farm land there too.. though there is plenty of risk in buying in the philippines is not worth it at all..

some of my own family…[Read more]

it varies from person to person, if your consistenly investing your equity as deposits for next property purchases, and your properties are going up invalue in growth, it doesnt hurt to much, when your portfolio, is growing at a substantial rate, to draw down some equity to fund your life style,

though it will depend on the investors, on…[Read more]

i totally agree with Terry, ive been using this strategy, for a while, living and drawing down on equity to fund my life style, but to help me further purchase more properties..

this strategy, that Terry is explaining, is very straight forward, but also, your able to easily purchase more properties,

Peter Spann, doesnt say he uses this…[Read more]

i started out my property investing career in April 2002, at the time i think i was 20 years of age, anyways.. i started out with completly nothing.. today im age 22 (turning 23 this year) i have close to or around 20 investment properties under my name, ive only ever sold 2, but my goal is to attain 100 properties by the age of…[Read more]

Robert Kiyosaki is definetly the Million Dollar Teacher, it wasnt just his books that motivated me, but gave me better ideas and strategies to really push my self forward and give me, the head start that many people dont get or understand..

Where he talks about the velocity of money, i treat that as the momentum, to the ability of my…[Read more]

Peter Spann, told us about how he thinks interest rates, could be heading up north, to quite some height, and how it might be an idea in locking them in, he then went on about, talking about the US defecit and how Asia was begining to become a very strong national, and how there defecit was simply being lowered very quickly,

anyway with…[Read more]

honestly i wouldnt do anything with it, but instead i would just land bank on it, and sit on it for those 5-15 years..

Cheers,
sis

Wanna Talk About Stocks

Hi Marvin,

you be a little disappointed (and maybe mad at yourself), because Peter told us his secret to becoming a multi-millionaire..

Cheers,
sis

ps..
honestly he was a great speaker, and land banking which he talks…[Read more]

i no longer have a contract for any property in Whyalla, though ive decided to go back to looking for growth properties, though im still a little skeptical on the many investors who bought cashflow properties in this area, some maybe successful, but others, i really do hope they did there due dilligence..

Cheers,
sis

Wanna Talk About Stocks

Look forward to attending the meeting tonight.

Cheers,
sis

Wanna Talk About Stocks

have been reading as much information as possible, still my conclusions are getting stronger.. ive just found this article.. and the information isnt too promising..

http://www.whyallavet.com.au/whyallacity1.html

Cheers,
sis

Wanna Talk About Stocks

ive decided that after some ABS (australian bureau of statistics) and further calling a few other real estate agents and people who know the area)

Whyalla prices are on the rise, but the prices are heavily being pushed up by investors, but also a few real estate agents, are suggesting to me.. it might not be a good idea to buy…[Read more]

thanks for your comments, my concerns are still seroius about this town, i have an exit clause to fortiet the contract.. but, if people are making websites such as this.. there must be something either wrong with them, or it could be a serious future issue with the town.. and someone being out spoken and opionated..

i did note the date…[Read more]