PropertyInvesting.com | tuggerwaugh | Activity https://www.propertyinvesting.com/members/tuggerwaugh/activity/ Activity feed for tuggerwaugh. Sun, 12 Apr 2026 10:14:03 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 9300a328f54f1b4173da92d8dfff61bd tuggerwaugh started the topic Redraw after fixed period expires? in the forum Help Needed! https://www.propertyinvesting.com/topic/5005484-redraw-after-fixed-period-expires/ Thu, 02 Apr 2015 21:14:30 +0000 G’day all,
Just a quick question in regards to my PPOR home loan that I currently have fixed. Originally the loan was approved for $380… we have now paid off $30,000 of this loan and am looking for some extra cash for the next few months. As I cannot redraw any funds under the fixed interest rate option currently, when that fixed rate period e…[Read more]

]]> 522bc146b9948170a1aeb512b21407dd tuggerwaugh started the topic 'The Lakes' Complex Cairns - Greenslopes street in the forum Help Needed! https://www.propertyinvesting.com/topic/4992782-the-lakes-complex-cairns-greenslopes-street/ Tue, 15 Jul 2014 03:05:55 +0000 G’day,
Just a quick email to seek out any further information on ‘The Lakes’ complex in Cairns. Looking to possibly invest in a 2 bedroom here but was hoping for some feedback from people that may have a better idea on this complex or the property market/cycle in Cairns. Cheers in advance
Tugger

]]> 00d8b35f9beec443a8a5fe8a0a626ca4 tuggerwaugh replied to the topic Interest Only in the forum Help Needed! https://www.propertyinvesting.com/topic/4989965-interest-only-3/#post-4989984 Thu, 01 May 2014 11:54:22 +0000 Thanks for all the feedback guys. Much appreciated!! Cheers
Tugger

]]> f1b6ca1160496804b18d9d9854b2fa88 tuggerwaugh started the topic Interest Only in the forum Help Needed! https://www.propertyinvesting.com/topic/4989965-interest-only-3/ Thu, 01 May 2014 05:46:06 +0000 G’day all,
Just a quick question. If I take out an interest only loan for the maximum 10 years (NAB) for an investment property over a 30 year period, do my repayments skyrocket at the end of the 10 years as I now only have 20 years to pay of the debt, as opposed to 30 years on interest&principal? Any info would be appreciated. Cheers
tugger

]]> 7c9e9621b0f00075be30b555444a1cd6 tuggerwaugh replied to the topic Architect fees as a tax write off? in the forum Help Needed! https://www.propertyinvesting.com/topic/4406010-architect-fees-as-a-tax-write-off/#post-4664902 Sat, 03 Mar 2012 10:15:06 +0000 G’day Terry,

Thats what I thought originally but then I heard from a friend that he thought it could possibly be added to the value of the house and depreciated over the 40 years… I really have no idea and the few people I have spoken to aren’t quite sure either. Hoping someone with a tax background can give me the right answer. Cheers

tugger

]]> 41db50564e18bbd7c49a15fecb0fb69c tuggerwaugh replied to the topic Investment property spreadsheets in the forum Help Needed! https://www.propertyinvesting.com/topic/4404342-investment-property-spreadsheets/#post-4653155 Mon, 01 Aug 2011 00:06:54 +0000 Thanks Steve… I have had a crack at Excel again and seem to be making progress. And thats thanks to google searching all the different tricks. Thanks for your help. Cheerstugger

]]> df9cd11bceff9daf2713aeee56c99300 tuggerwaugh replied to the topic HELP NEEDED....fast in the forum Help Needed! https://www.propertyinvesting.com/topic/4403894-help-needed-fast/#post-4649540 Thu, 09 Jun 2011 10:42:02 +0000 G'day Scott…Yeah it was 10 years from the signing of the subdivision date, which took place in 2007…which means we would have to wait 6 years which would be fine as long as council requirements didn't alter too much. My wife's sister is a lawyer and she is going to go through it tomorrow but i'm sure the developer is more financially secure…[Read more]

]]> f33e4ed0d780dac2602a1bcd7f0bdbf1 tuggerwaugh replied to the topic HELP NEEDED....fast in the forum Help Needed! https://www.propertyinvesting.com/topic/4403894-help-needed-fast/#post-4649537 Thu, 09 Jun 2011 09:15:31 +0000 Yeah good point about the townhouse… I consider this a townhouse as it is stand alone, has a small yard, and has 3 bedrooms and 2 bathrooms.. they are only roughly 105sqm but are not double storey…i don 't think… There are 3 steps up from the bottom level to the upper level… The more I think about this the more it annoys me and makes me…[Read more]

]]> 3eba40346422fd3490042c6b340d63cf tuggerwaugh replied to the topic HELP NEEDED....fast in the forum Help Needed! https://www.propertyinvesting.com/topic/4403894-help-needed-fast/#post-4649534 Thu, 09 Jun 2011 06:47:08 +0000 Yeah that was my feeling too…no pay, no build. We asked the developer about the other multiple dwellings and one was his, the other his engineers, two of the others are his mates. He said they didn't pay because of a prior arrangement he had with them… Which sounds pathetic too…. Not sure if I can pull out any winners here at this stage

]]> 72678d64601131258a5817fe3c418098 tuggerwaugh replied to the topic HELP NEEDED....fast in the forum Help Needed! https://www.propertyinvesting.com/topic/4403894-help-needed-fast/#post-4649532 Thu, 09 Jun 2011 06:36:46 +0000 Thanks for your help… Got my hands on the covenant and this is how it goes roughly;''Not within 10 years of the date of the acceptance of this plan should any units/flats be built on the said Lot otherwise than in accordance with plans and specifications to be submitted to and approved by xxxxxx investments company before the erection of any su…[Read more]

]]> 32fc51fadcfc3a57ccd2a4c35403d527 tuggerwaugh replied to the topic Taking over Property Management in the forum Help Needed! https://www.propertyinvesting.com/topic/4398628-taking-over-property-management/#post-4616281 Fri, 05 Feb 2010 22:24:28 +0000 Good onya crest…If i'm planning on taking over in the first week of April what sort of time frame should I give myself to write this letter to the property managers. They are being real assholes at the moment so i'm worried about even getting the most basic of information off them.I'm going to call some tradies in the next couple of weeks to try…[Read more]

]]> 7af9db1ba8bb3d8d74e5c5b879ddded9 tuggerwaugh replied to the topic Taking over Property Management in the forum Help Needed! https://www.propertyinvesting.com/topic/4398628-taking-over-property-management/#post-4616279 Fri, 05 Feb 2010 02:07:49 +0000 Rachelthelegend…. you are a legend.Thanks for that great information. I was a bit worried about disturbing the tenants when taking over but if they just continue on the same contract they signed with the property manager than that suits me down to the ground.I will be returning to Tas on the 2nd of April and would like to take control of them on…[Read more]

]]> 44f16adfcca0f84b242a0bd3070c9acf tuggerwaugh replied to the topic Taking over Property Management in the forum Help Needed! https://www.propertyinvesting.com/topic/4398628-taking-over-property-management/#post-4616278 Fri, 05 Feb 2010 01:58:58 +0000 I will be living in Tas where all 3 properties are. The furthest from me will be about 20km. All are tenanted, with rents at $250, $380 and $395. The current tenants are all quite good so that makes me feel a bit more comfortable. One of the house was built in the late 70's so there are a few maintenance issues with that but the other 2 I have had…[Read more]

]]> 1c3f1d173c0e10b8462474ba41cf6461 tuggerwaugh replied to the topic Crap Property Managers in the forum Thanks for your replies..... https://www.propertyinvesting.com/topic/4398142-crap-property-managers/#post-4613297 Thu, 24 Dec 2009 04:07:24 +0000 Thanks for your replies….. I'm moving back to Tas in April and will be on 12 months half pay so I think I will take control of my properties. Couldnt do any worse than the agent we have at the moment. Thanks again.tugger

]]> 4068d12889c818d3166dccd5354f6c94 tuggerwaugh replied to the topic Helping Mum out in the forum Help Needed! https://www.propertyinvesting.com/topic/4398131-helping-mum-out/#post-4613251 Tue, 22 Dec 2009 23:09:18 +0000 Thanks Terry….I learn something every day. Cheerstugger

]]> d7bd6651eddb378b99b95ae1541fcdec tuggerwaugh replied to the topic Helping Mum out in the forum G'day crj... Thanks for https://www.propertyinvesting.com/topic/4398131-helping-mum-out/#post-4613249 Mon, 21 Dec 2009 20:11:05 +0000 G'day crj…Thanks for that. I just assumed that because it had not provided any financial benefits for her that perhaps she would avoid cgt or there may be som exemptions. Wrong…..thanks again anyway. CheersChris

]]> 6edfa315056a67effc97089648032332 tuggerwaugh replied to the topic Redraw. Deductible? & to trust or not to trust? in the forum G'day Nathan... Cant help https://www.propertyinvesting.com/topic/4398130-redraw-deductible-to-trust-or-not-to-trust/#post-4613231 Mon, 21 Dec 2009 19:59:58 +0000 G'day Nathan…Cant help you with the second question, but yes any money withdrawn and then used for investment purposes will be tax deductible on your intial investment loan. Cheerstugger

]]> c8a0672be41cbd6ec8b40ee238602c47 tuggerwaugh replied to the topic I want to become my own property manager...how? in the forum Help Needed! https://www.propertyinvesting.com/topic/4397735-i-want-to-become-my-own-property-manager-how/#post-4611226 Sun, 08 Nov 2009 08:06:18 +0000 thanks for that info Domain…. yeah we are putting in our own ads and getting most of the tenants for our property manager, as website based advertisement doesnt cast the net far enough sometimes.Thanks again. Cheerstugger

]]> d5611b1365babf098ed99723d8c19e3f tuggerwaugh replied to the topic I want to become my own property manager...how? in the forum Help Needed! https://www.propertyinvesting.com/topic/4397735-i-want-to-become-my-own-property-manager-how/#post-4611224 Sat, 07 Nov 2009 11:42:55 +0000 yeah well 8% is the discount…normally 9% but yeah might try and negotiate again…thanks for all that info… will try and get on to it as soon as possible…do you know where I can access generic contract documents?

]]> 795e82177138b046cca8f48910f4f033 tuggerwaugh replied to the topic Investment Property or FHOG in the forum Help Needed! https://www.propertyinvesting.com/topic/4397732-investment-property-or-fhog/#post-4611216 Sat, 07 Nov 2009 07:48:21 +0000 sorry tuffet you are wrong on the FHOG initiative… if you have no intention of living in the house and your sole intention is to make it an investment, then you dont forfeit your option to receive the FHOG down the track. My wife and I have bough 3 IP's over the last 2 years and this year we are building our PPOR and receiving the FHOG next…[Read more]

]]> cc7e54d40b7e7b419b13b975455b498a tuggerwaugh replied to the topic Can I keep going? in the forum Help Needed! https://www.propertyinvesting.com/topic/4397664-can-i-keep-going/#post-4610945 Fri, 30 Oct 2009 21:06:50 +0000 yeah suchy we have our other three IP's fixed IO loans for 3 years so that is all secure and stable, while our PPOR is variable on $280k… I suppose the great unknown is where will interest rates be when we come off the 3 year fixed….mind you by than I would hope our properties will be positive with rental increases and tax implications….

]]> a532c8e1a8240f748f6c166dd1c32889 tuggerwaugh replied to the topic Fixing up an IP in the forum yeah I had thought of that https://www.propertyinvesting.com/topic/4397609-fixing-up-an-ip/#post-4610641 Sun, 25 Oct 2009 10:38:32 +0000 yeah I had thought of that before but my property manager didnt like the idea… I suppose as my property manager she is working for me and should have my interests at heart.. and I'm sure the tenants wouldn't really mind if it saved them a weeks rent.

]]> ccdd7744dac9b79b1aeb7f8298ff6eab tuggerwaugh replied to the topic Gum Trees in the forum Help Needed! https://www.propertyinvesting.com/topic/4397418-gum-trees/#post-4609886 Fri, 02 Oct 2009 05:43:04 +0000 just hoping my insurance would cover the damage…who would be required to pay the costs of having it removed if it fell in our yard? thanks for your comments

]]> 83edba578a87a3393b37df3307cd70d3 tuggerwaugh replied to the topic Deprecation Schedule – If and from where? in the forum Help Needed! https://www.propertyinvesting.com/topic/4397172-deprecation-schedule-if-and-from-where/#post-4608726 Sat, 05 Sep 2009 23:31:39 +0000 We have BMT to do our depreciation schedules. Our porperties are in Tas but they flew down to do these. They cost us about $600 per property and we were able to claim for the previous tax year. It does not get cut from your selling price, instead you claim a depreciation for tax purposes each financial year…. this amount is deductible from your…[Read more]

]]> 148c64b213c390aec8dccf2c950ca05c tuggerwaugh replied to the topic Building block of units or Townhouses with group of people in the forum Help Needed! https://www.propertyinvesting.com/topic/4397110-building-block-of-units-or-townhouses-with-group-of-people/#post-4608528 Sun, 30 Aug 2009 07:36:41 +0000 Look in last month API magazine.. there is a story on someone who does this for a living. Cheerstugger

]]> 349ea70d97fab651aa1cf7528af8b69e tuggerwaugh replied to the topic Tax implications? in the forum Help Needed! https://www.propertyinvesting.com/topic/4397035-tax-implications-5/#post-4608152 Fri, 21 Aug 2009 23:00:08 +0000 Thanks Kenny…good work on those answers. Cheerstugger

]]> a3a4ef6b6ccecda40c92b839ee576562 tuggerwaugh replied to the topic Tax implications? in the forum Thanks fletcher... does that https://www.propertyinvesting.com/topic/4397035-tax-implications-5/#post-4608144 Thu, 20 Aug 2009 20:43:59 +0000 Thanks fletcher… does that mean I can claim on the cost to get the power and water on? Cheerstugger

]]> 3157465c230cc62edde3f2451cb9bc89 tuggerwaugh replied to the topic Tax implications? in the forum Help Needed! https://www.propertyinvesting.com/topic/4397035-tax-implications-5/#post-4608142 Thu, 20 Aug 2009 10:51:00 +0000 well were are building a house at the moment but we won't be in it until about 1 month after when we wanted to temporarily be in our IP. We are currently living in the NT teaching and being accommodated by the government rent free…hope this helpscheerstugger

]]> f5d4dd1ebd61742a63778f0b0f2ac1a0 tuggerwaugh replied to the topic CGT Advice in the forum Help Needed! https://www.propertyinvesting.com/topic/4396860-cgt-advice-4/#post-4607064 Sun, 02 Aug 2009 23:00:51 +0000 Thanks Linda…. I will try and remember this down the track when we go down that path. Cheerstugger

]]> dfb75e33f78a9535ec15a1ddb20f6b8b tuggerwaugh replied to the topic Fencing Quote in the forum Help Needed! https://www.propertyinvesting.com/topic/4396863-fencing-quote/#post-4607075 Sun, 02 Aug 2009 22:58:58 +0000 Thanks duckster…thats the sort of advice I was after. Cheerstugger

]]> c55ae6ed7813574c8240d45dc8147a88 tuggerwaugh replied to the topic CGT Advice in the forum Help Needed! https://www.propertyinvesting.com/topic/4396860-cgt-advice-4/#post-4607062 Sun, 02 Aug 2009 09:45:33 +0000 G'day Linda…Thats some great advice…. thanks heaps for that. Just a quick question as to getting 3 independent valuations done on my IP before I move in and use this as my PPOR…. how will these valuations be used down the track? Will it be for CGT purposes, and how will a high/low valuation effect my CGT? Cheerstugger

]]> 9c0986859e5832c5e0cd2e924fa98d5d tuggerwaugh replied to the topic CGT Advice in the forum Help Needed! https://www.propertyinvesting.com/topic/4396860-cgt-advice-4/#post-4607060 Sat, 01 Aug 2009 23:16:58 +0000 Thanks Richard… so if I want to fix up the bathroom and kitchen then I should look to do that in the next few years while it is an IP. My concerns are obviously putting in a lot of new stuff while tenants are living in there, and how this will affect my CGT? How will CGT work when I move in to my IP… I have owned it since 2007 and plan to move…[Read more]

]]> f91a4397c0251d7a1de6bf907cdea6fe tuggerwaugh replied to the topic LMI Refund? in the forum Help Needed! https://www.propertyinvesting.com/topic/4396857-lmi-refund-8/#post-4607052 Sat, 01 Aug 2009 12:19:19 +0000 Thanks Richard… you have been a big help for not only myself but a lot of another investors on this website. Thanks again and keep up the good work, it is much appreciated. Cheerstugger

]]> 64f7a774eb58c3ec0f3035feb376705d tuggerwaugh replied to the topic Easement Problems in the forum Help Needed! https://www.propertyinvesting.com/topic/4396115-easement-problems/#post-4603331 Thu, 30 Apr 2009 10:43:59 +0000 G'day all…Thanks for your advice…. I contacted the surveyor, who gave me the solicitors number, who then gave me the director of the developments number. Turned out as expected… happy to waive the covenant, as this was put into place to avoid kit homes and badly designed homes being built. As it turned out there was a badly designed home…[Read more]

]]> 5b2ed09ea75417ed34e3e5b2e3e6ece5 tuggerwaugh replied to the topic Easement Problems in the forum Help Needed! https://www.propertyinvesting.com/topic/4396115-easement-problems/#post-4603330 Thu, 30 Apr 2009 10:43:55 +0000 G'day all…Thanks for your advice…. I contacted the surveyor, who gave me the solicitors number, who then gave me the director of the developments number. Turned out as expected… happy to waive the covenant, as this was put into place to avoid kit homes and badly designed homes being built. As it turned out there was a badly designed home…[Read more]

]]> 008b32ee9df9480afbc821b01eb215b0 tuggerwaugh replied to the topic Easement Problems in the forum Help Needed! https://www.propertyinvesting.com/topic/4396115-easement-problems/#post-4603328 Wed, 29 Apr 2009 22:52:15 +0000 thanks for that advice.. i will still try and contact the developer and just seek some clarification…. cheers guystugger

]]> 269389d9017cba8b62426392fd698b86 tuggerwaugh replied to the topic FHOG Quick Question in the forum Help Needed! https://www.propertyinvesting.com/topic/4395687-fhog-quick-question/#post-4600896 Fri, 13 Mar 2009 22:32:16 +0000 Good on you Richard thanks for the reply. My Wizard broker is putting the grant in for us so i'm assuming the money will go into the bank account in which we use to make our mortgage payments. Does that sound right? cheerstugger

]]> b9c0db466602fbd97a5776ae96aa0c04 tuggerwaugh replied to the topic Fix & Interest only in the forum Help Needed! https://www.propertyinvesting.com/topic/4395495-fix-interest-only/#post-4599730 Mon, 23 Feb 2009 09:05:52 +0000 G'day guys…thans for the replies….. I spoke to my broker at Wizard today and there are some dodgy things going on….the worst being that when we refinance under the GE loophole we may get whacked with LMI for the second time on the loan….what crap

]]> be48d1f8261b65a40bea8ba8386038b0 tuggerwaugh replied to the topic Fix & Interest only in the forum Help Needed! https://www.propertyinvesting.com/topic/4395495-fix-interest-only/#post-4599727 Sun, 22 Feb 2009 07:48:26 +0000 G'day Richard…Yeah based on the current market we wouldn't fix yet but perhaps at the end of this year or early 2010. Do you think rates will remain steady for the next 12 months? Thats my belief so hopefully we can take advantage of low variable for the next little while. Cheerstugger

]]> fadad7abfdaf7f3e223289657d4218e5 tuggerwaugh replied to the topic Fix & Interest only in the forum Well i went through wizard https://www.propertyinvesting.com/topic/4395495-fix-interest-only/#post-4599725 Sat, 21 Feb 2009 21:39:13 +0000 Well i went through wizard and thats the deal they got me…has been pretty good on interest rates up to now

]]> 7cf60f1f293d779ce4b64eabbaeda3ec tuggerwaugh replied to the topic Fix & Interest only in the forum Help Needed! https://www.propertyinvesting.com/topic/4395495-fix-interest-only/#post-4599723 Sat, 21 Feb 2009 11:49:43 +0000 Thanks for that…with GE not dropping their rates I think we will take the get out clause and refinance with Aussie Homeloans, fixing for 5 years and paying interest only on our IP's.Cheerstugger

]]> 18bc8d02a976539ec53f1eb2294b683b tuggerwaugh replied to the topic How much principle is paid in p&I mortgages? in the forum Help Needed! https://www.propertyinvesting.com/topic/4395102-how-much-principle-is-paid-in-pi-mortgages/#post-4597636 Fri, 09 Jan 2009 08:43:21 +0000 sorry forgot to mention before that I am only 2 years in to a 30 year loan of $570k , having $20k in redraw available at the moment. Didn't think I would be affected this much in such a short time

]]> a9b3d382c03e1d4544d53c851bd342a1 tuggerwaugh replied to the topic How much principle is paid in p&I mortgages? in the forum Help Needed! https://www.propertyinvesting.com/topic/4395102-how-much-principle-is-paid-in-pi-mortgages/#post-4597635 Fri, 09 Jan 2009 08:36:47 +0000 Thanks for that… just means that although interest rates are coming down my p&I repayments don't decrease by that full amount really. Oh well…. no big dramas. Thanks for your comments.Tugger

]]> 0291bb9bff09bab740db16b69bb25d05 tuggerwaugh replied to the topic Darwin or Hobart? in the forum Help Needed! https://www.propertyinvesting.com/topic/4394976-darwin-or-hobart/#post-4596974 Fri, 26 Dec 2008 20:18:53 +0000 thanks for your comments guys… I have changed my approach a bit and have purchased a block of land with the intention of building our PPOR in Tas. 800m2 block for $110,000, 7km to hobart and having plans drawn up for two townhouses, of which we will live in 1….hopefully that does the trick. Thanks again guystugger

]]> cbab9ed4e98eaa22d7262dd43a4ac81d tuggerwaugh replied to the topic conveyancer recommendation in Hobart region in the forum Help Needed! https://www.propertyinvesting.com/topic/4394682-conveyancer-recommendation-in-hobart-region/#post-4595453 Fri, 07 Nov 2008 10:05:34 +0000 yo futzy…your best bet are 'simmons and wolfhagen'… they are just about the top conveyancers in hobart….stickk with them…cheerstugger

]]> c0243c80804130fa2b92bc773b7f4019 tuggerwaugh replied to the topic Property Investment in Hobart in the forum Help Needed! https://www.propertyinvesting.com/topic/4394614-property-investment-in-hobart/#post-4595056 Sat, 01 Nov 2008 01:30:23 +0000 G'day Futzy…I have 3 I.Ps in Hobart and they are all provide good rental returns 5-6% and are tennanted 12 months of the year. We have 2 in Kingston (15km from hobart) and they rent well but our townhouse in the middle of Hobart (Sandy Bay) rents within a week of tenants leases finishing, often with 3-4 parties submitting applications. If I were…[Read more]

]]> 16b68eba40c167b371dc7c4d64de578b tuggerwaugh replied to the topic Managing your own properties in the forum Help Needed! https://www.propertyinvesting.com/topic/4393930-managing-your-own-properties/#post-4591395 Wed, 13 Aug 2008 00:19:01 +0000 Good onya Adrian and Amber…We have 3 IPs already and have the next 3-4 years mapped out as we are currently living in the NT and putting some serious money into our mortgages. We are planning to start a family soon and are very excited about the future. I suppose I just love investing and think about it all day everyday, and the more I can get…[Read more]

]]> 9742b84940648276a87b3e7a51fd8a6c tuggerwaugh replied to the topic Managing your own properties in the forum Help Needed! https://www.propertyinvesting.com/topic/4393930-managing-your-own-properties/#post-4591393 Tue, 12 Aug 2008 22:53:00 +0000 in mid 2009 I will be taking 12 months half pay leave from my job, so I thought it might be a good opportunity while I am doing some renovating to also dabble in property management.. even if I take on 1 property first and learn the ropes, before taking on the second and third at a later date…. this way I have the time to give to my tenants….…[Read more]

]]> 6af1ead5b1fbbc03ddba78971d969506 tuggerwaugh replied to the topic Where to start?? in the forum Value Adding https://www.propertyinvesting.com/topic/4393931-where-to-start-28/#post-4591405 Wed, 06 Aug 2008 21:54:04 +0000 good onya banjo…that sound like a much easier way to add a bit of value to my rental return on the property… with some cupboard handle changes, new coat of paint and a new benchtop that would make a nice change…cheerstugger

]]> ca70b98693ab42aac4a18bf077105688 tuggerwaugh replied to the topic Property Managers in the forum Help Needed! https://www.propertyinvesting.com/topic/4393948-property-managers-8/#post-4591584 Wed, 06 Aug 2008 04:52:59 +0000 thanks for that…we actually have another real estate agent after our business who has emailed us their prices, so might just do that and see how we go. Cheerstugger

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