PropertyInvesting.com | woodsman | Activity https://www.propertyinvesting.com/members/woodsman/activity/ Activity feed for woodsman. Sun, 12 Apr 2026 09:36:23 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 77700b8fd780ce9198dbe106f674babb woodsman replied to the topic Adjoining Land Potential Purchase - Advice? in the forum Help Needed! https://www.propertyinvesting.com/topic/4388927-adjoining-land-potential-purchase-advice/#post-4564411 Wed, 21 Mar 2007 05:46:21 +0000 Thanks Marc. Yes, I have subsequently had it confirmed that the development of four can be financed as residential not commercial. One box ticked at least!

Woodsman

]]> ea0fad44556efb70f029aa65d751edf9 woodsman replied to the topic Should I invest in negative cashflow property? in the forum No Subject https://www.propertyinvesting.com/topic/4388914-should-i-invest-in-negative-cashflow-property/#post-4564359 Sun, 18 Mar 2007 12:48:56 +0000 Poch Poch,

In 2007, its my opinion that earning $20-30 or even more per week profit (ie cash flow positive) on a property is not as a general rule going to make you independently wealthy.

Long term capital gain is however, whether through value-add or buying in the right areas for long term capital appreciation.

Yes there will be exceptions to…[Read more]

]]> d054083f2ff91c6baf1c2091dcc3ced5 woodsman replied to the topic Can you delay paying CGT? in the forum No Subject https://www.propertyinvesting.com/topic/4388736-can-you-delay-paying-cgt/#post-4563629 Sun, 18 Mar 2007 06:43:29 +0000 There is a way to not pay capital gains – Don’t sell! [biggrin]

Borrow and leverage off the new asset value (if you circumstances allow of course!)

Woodsman

]]> 57ccf74b5397549114955cda904531ef woodsman replied to the topic Int. Only Vrs Principle & Int. Loans in the forum Help Needed! https://www.propertyinvesting.com/topic/4388904-int-only-vrs-principle-int-loans/#post-4564304 Sun, 18 Mar 2007 06:22:16 +0000 Have used I/O on all my IP’s, since transferring my PPOR as an IP in 2004. This has in some part allowed to me to build up additional funds to be used as deposits for my other purchases since.

Used in conjunction with an offset account, it allows you to build a buffer and/or build for other deposits whilst reducing your interest bill.…[Read more]

]]> b931f2749a90a896694428741ce06a01 woodsman replied to the topic Global Property Collapse.. in the forum Opinionated! https://www.propertyinvesting.com/topic/4381268-global-property-collapse/#post-4523395 Sun, 24 Jul 2005 03:47:00 +0000 Robertson ended the interview by saying that he hopes he is not alive to see this.

Well then…..RIP Julian

Woodsman

]]> 35a9ab5b5f41bc0c6572a2385931a22a woodsman replied to the topic Bad Credit :( in the forum Finance https://www.propertyinvesting.com/topic/4379724-bad-credit-2/#post-4512524 Thu, 05 May 2005 23:02:06 +0000 Further to Rob’s comments, the yearly subscription to credit alert through Baycorp is invaluable as they e-mail whenever any organisation places an enquiry on your file. They also send you a copy of your credit file at the start and end of the one year subscription. Costs $40.

For investors, protecting their credit history is vital. This is a…[Read more]

]]> d94ca9ca689ac44277b366c9b69d005f woodsman replied to the topic CBD Apartments in the forum General Property https://www.propertyinvesting.com/topic/4379987-cbd-apartments/#post-4514085 Mon, 02 May 2005 04:54:18 +0000 All comments have been fair enough, however, I wonder if this change in policy by the banks has contributed just as much to the drop off in values to apartment prices

Lenders began reducing the LVR on apartments back in 2003 and look what has happened since then

Chicken or the egg?

Woodsman
Great cash flow opportunities. PM me for more information

]]> c4ed637cb6dab5e228bfcacc451c5a11 woodsman replied to the topic South East Queensland - Coomera in the forum General Property https://www.propertyinvesting.com/topic/4379858-south-east-queensland-coomera/#post-4513227 Mon, 25 Apr 2005 12:54:16 +0000 Jason,

How many square metres (internal)? Double or single garage? How many levels? How many townhouses in the complex? Quality of internal specifications?

Woodsman
Great cash flow opportunities. PM me for more information

]]> a17ee128f723b976a5b9752a6cf8f363 woodsman replied to the topic I have 2 questions can you help in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4379822-i-have-2-questions-can-you-help/#post-4513031 Thu, 21 Apr 2005 12:57:22 +0000 Try these….

Land Tax in Vic:
https://www.propertyinvesting.com/forum/topic.asp?TOPIC_ID=16798

https://www.propertyinvesting.com/forum/topic/16260.html

https://www.propertyinvesting.com/forum/topic/15615.html

Do a search under hybrid trusts ot discretionary trusts and you will be entertained for hours![biggrin]

Woodsman
Great cash flow…[Read more]

]]> 0c176a15912752747cea9d2976d56206 woodsman replied to the topic Land Tax (Vic.) in the forum General Property https://www.propertyinvesting.com/topic/4379620-land-tax-vic/#post-4511999 Wed, 20 Apr 2005 01:57:10 +0000 However, could someone explain what is unimproved value of land.

If the land on the property in question was only that ie no buildings, no sewerage connection etc, it is simply the fair value (as determined by council valuation) that could be obtained by selling that parcel of land

]]> c2da577d0ea62eadcad809d7e23bbb93 woodsman replied to the topic Bad Credit :( in the forum Finance https://www.propertyinvesting.com/topic/4379724-bad-credit-2/#post-4512512 Sat, 16 Apr 2005 02:24:35 +0000 MrVIP,

Are you sure this is your default? Have you enquired with the organisation that placed the default? Did you receive any documentation from them when they were asking for payment?

A different spelling would normally mean Baycorp would set up a separate file associated with that person (?) and the associated spelling because on the surface…[Read more]

]]> 5057fb703b0fc32ca1b6aa92c756a761 woodsman replied to the topic Land Tax (Vic.) in the forum General Property https://www.propertyinvesting.com/topic/4379620-land-tax-vic/#post-4511997 Sun, 10 Apr 2005 23:24:15 +0000 Not, however, including your primary place of residence

Only if owned in an individual name (natural person)

]]> 6b9e32812251b8ee29f006eec67bc86c woodsman replied to the topic Land Tax (Vic.) in the forum General Property https://www.propertyinvesting.com/topic/4379620-land-tax-vic/#post-4511995 Sat, 09 Apr 2005 21:24:42 +0000 It is applied to all land in Victoria, however only on the unimproved value.

You should receive your notice by no later than June.

http://www.sro.vic.gov.au/sro/srowebsite.nsf/taxes_landtax.htm?OpenPage&charset=iso-8859-1

]]> 2074d93b6c26687ca948ab299011ddc8 woodsman replied to the topic Land Tax (NSW) in the forum General Property https://www.propertyinvesting.com/topic/4379561-land-tax-nsw-2/#post-4511737 Wed, 06 Apr 2005 14:00:36 +0000 One way I’ve stopped paying any additional land tax is, stopped PI in NSW, moved on, it’s a big world out there. i.e. taken my business elsewhere.

If you are still investing in property, land tax is levied in all states.

Ultimately you may look to pass on these costs to rents, however the market (ie supply and demand) will ultimately determine…[Read more]

]]> 9d4c709814c8c74c6af4483df8f465e6 woodsman replied to the topic Purchasing A Property in a minors name in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4379556-purchasing-a-property-in-a-minors-name/#post-4511722 Wed, 06 Apr 2005 07:18:55 +0000 Just a thought

Under the NSW FHOG, it actually mentions that it only applies for persons aged 16 and over. If you cannot enter into a contract under 18, what seems to be the purpose of the 16 and over qualification rule?

]]> dfc978a8ab7f708896df36e34dc4cc14 woodsman replied to the topic Overseas income in the forum Finance https://www.propertyinvesting.com/topic/4379562-overseas-income-2/#post-4511741 Wed, 06 Apr 2005 07:12:57 +0000 Also, looking at refinancing a homeloan that will hit me with a 3% exit fee. Would that be tax deductable as a borrowing expense?

Mortgage discharge expenses are deductible. These are deductible to the extent that the mortgage is for investment purposes.

]]> 408e1c15cbdcf9d37423e0a5878f09b6 woodsman replied to the topic IP situation involving family in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4379557-ip-situation-involving-family/#post-4511723 Wed, 06 Apr 2005 07:04:06 +0000 When we complete our tax returns we offest any costs with rent at the current market rate not the rent they actually pay us

http://www.ato.gov.au/content/downloads/NAT1729-04.pdf page 6

If we sell this property within 6 years of first buying it do we have to pay CGT on it, considering we lived in it before we rented it out?

If you have not…[Read more]

]]> 4249b8af27de4b8243cf37ee8f7e2785 woodsman replied to the topic Purchasing A Property in a minors name in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4379556-purchasing-a-property-in-a-minors-name/#post-4511720 Wed, 06 Apr 2005 06:35:17 +0000 Nirvana,

Re FHOG in Qld. This might be relevant.

http://www.osr.qld.gov.au/gas/fhog/disqualifying.htm

]]> e25342b02074fe1b191e5c01253323ac woodsman replied to the topic 40 year mortgages and 140% LVR's in the forum No Subject https://www.propertyinvesting.com/topic/4379519-40-year-mortgages-and-140-lvrs/#post-4511516 Wed, 06 Apr 2005 06:06:07 +0000 Terry,

Aren’t they also owned by GE? Not sure if they are chasing a different market or playing in the same arena as GE & PMI.

]]> b25c0ef06af438d085ff0cf568af5ea3 woodsman replied to the topic Land Valuation & Land Tax a Joke in the forum No Subject https://www.propertyinvesting.com/topic/4379534-land-valuation-land-tax-a-joke/#post-4511593 Tue, 05 Apr 2005 07:28:03 +0000 You would need to establish when the previous valuation was undertaken. This should be on your previous notices. I would suspect that it was not last year though…

]]> a1c9939463106dd8d28938822ed4e6d3 woodsman replied to the topic What Does the Future Hold? in the forum General Property https://www.propertyinvesting.com/topic/4379454-what-does-the-future-hold/#post-4511131 Fri, 01 Apr 2005 12:06:21 +0000 Unless you are one of the proponents of this end of the boom is different to others, well informed, objective and a long term vision will deliver to those investors solid returns.

The same fundamental rules of investing in property hold true today as they always did and will.

]]> aa1a50a04d456d581edb58113e7f86d0 woodsman replied to the topic Employment checks? in the forum Help Needed! https://www.propertyinvesting.com/topic/4379455-employment-checks/#post-4511134 Fri, 01 Apr 2005 11:38:57 +0000 In my experience when I have gone for finance, once you put in your application, you get to a conditional approval stage the bank is satisfied with all the documents and representations you have made on your application. No doubt you would have provided pay slips or letters confirming employment. In 4 finance applications for IP’s, the banks…[Read more]

]]> 3fdbcc7625c6d0a52c7046bf44f213ee woodsman replied to the topic Loan?? in the forum Finance https://www.propertyinvesting.com/topic/4379397-loan-3/#post-4510729 Thu, 31 Mar 2005 07:43:09 +0000 https://www.propertyinvesting.com/forum/topic.asp?TOPIC_ID=16549

JackHu,

I think its time for you to go away. The same answers to different questions, and the same garbage you are peddling ie your free giveaways. You are doing the same thing on the sommersoft forum.

You add no value.

There must be a full moon?

]]> 475401cc38a3f59c56415e4bc9744e15 woodsman replied to the topic Interest Only Loans with First home buyers grant in the forum Help Needed! https://www.propertyinvesting.com/topic/4379404-interest-only-loans-with-first-home-buyers-grant/#post-4510861 Wed, 30 Mar 2005 06:39:53 +0000 Knowitall, what the …..? Colbert1982 was simply asking whether he could get an I/O loan with a FHOG. Not an invitation to spruik for your paid advisory service.

]]> e879e959aa8d701635df0ae545bfc96d woodsman replied to the topic Land Value From Rates Notice in the forum Help Needed! https://www.propertyinvesting.com/topic/4379410-land-value-from-rates-notice/#post-4510906 Wed, 30 Mar 2005 06:34:19 +0000 Sandyman,

Try this link – https://www.propertyinvesting.com/forum/topic/15615.html

]]> 8c2713ba1cb1097dbf02eb29841af677 woodsman replied to the topic Property to do well in 2005 in the forum General Property https://www.propertyinvesting.com/topic/4379361-property-to-do-well-in-2005/page/2/#post-4510483 Tue, 29 Mar 2005 11:57:19 +0000 Resiwealth,

Demand and supply considerations are still very much relevant in developments….You just can’t create profit by simply building.

There must be a market for your property (either sale or rental)

]]> e9ea9a78d74da27f72fb187c89560117 woodsman replied to the topic Why can't we get 100% finance on property in the forum Opinionated! https://www.propertyinvesting.com/topic/4379376-why-cant-we-get-100-finance-on-property/#post-4510626 Tue, 29 Mar 2005 11:50:00 +0000 the bank has NO interest in your purchase offer or price, only 80% of valuation..so there is no “lower of” as far as they are concerned

There are very few banks today that will take a higher valuation over contract price even after 12 months from the contract date (ie OTP). I have recently gone through this exercise. (I had only three to choose…[Read more]

]]> 60b47d7c9b64eff50b12ac49f9fb648f woodsman replied to the topic Changing jobs & Finance in the forum Finance https://www.propertyinvesting.com/topic/4379395-changing-jobs-finance/#post-4510715 Tue, 29 Mar 2005 11:42:23 +0000 Ozi, try this;

https://www.propertyinvesting.com/forum/topic/16068.html

]]> 5e99273eba990103f3f02e8c8568a8b8 woodsman replied to the topic nervous 1st home buyer in the forum Help Needed! https://www.propertyinvesting.com/topic/4379394-nervous-1st-home-buyer/#post-4510710 Tue, 29 Mar 2005 11:21:37 +0000 If you don’t alredy have a good credit rating , open checking accout at several banks. Find those whose loan officers are friendly and interested in helpin gyou establish a credit rating of through borrow small amounts of money.

JackHu,

Your US based advice is largely irrelevant for Australia. There is no such thing as positive credit records…[Read more]

]]> 868b8dac3038e65ee8cc88baad7d3fd6 woodsman replied to the topic Biggest Landlord in the world in the forum Opinionated! https://www.propertyinvesting.com/topic/4379180-biggest-landlord-in-the-world/#post-4509272 Tue, 29 Mar 2005 11:12:19 +0000 Gatsby,
I did see Waco: The Rules of Engagement and it is amazing how again, the media is played and manipulated from very pertinent facts, which makes for a very different perspective.

However, I cannot see the relationship with the Catholic Church. Yes they are culpbable of terrible acts of the pedophiles within their ranks and through the…[Read more]

]]> a2345f8b8cb1f0217afcce6f76ccc2e5 woodsman replied to the topic Property to do well in 2005 in the forum General Property https://www.propertyinvesting.com/topic/4379361-property-to-do-well-in-2005/page/2/#post-4510481 Tue, 29 Mar 2005 10:53:30 +0000 All I can say is that BIS Shrapnel have just revised their 2005 estimate of new housing starts in Australia from 160,000 down to 145,000. They were trailing HIH which had already factored a slump in 2005 followed by a minor recovery in 2006. Now the two are more closely aligned…

Seems to me then that it is getting close to “BUY” time.

A…[Read more]

]]> 63dcd833473ca0f62f86948e7e87b71a woodsman replied to the topic Property to do well in 2005 in the forum General Property https://www.propertyinvesting.com/topic/4379361-property-to-do-well-in-2005/#post-4510474 Mon, 28 Mar 2005 12:48:32 +0000 F, I think you overlook the associated industries that have grown around property related investment. Yes, most are service related industries, however, this part of the economy represents a significant portion of economic activity.

Do not people use their excess equity to also invest in the sharemarket. Many will use these funds with a margin…[Read more]

]]> 4e3af048f1b32e1454a70dde51668de8 woodsman replied to the topic YOUR SUGGESTIONS/ADVICE WANTED in the forum No Subject https://www.propertyinvesting.com/topic/4379384-your-suggestionsadvice-wanted/#post-4510660 Mon, 28 Mar 2005 12:26:21 +0000 Has she explored the option of renting out the property. Not sure what rent her property could rent for versus outgoings. Depending the current valuation of her PPOR, maybe debt consolidation maybe an option.

You may need to provide some more information about current house value, mortgage & location…

The reason for pursuing this option is…[Read more]

]]> 2f069ecbdf7f19ccef41b5e63a6139e3 woodsman replied to the topic YOUR SUGGESTIONS/ADVICE WANTED in the forum No Subject https://www.propertyinvesting.com/topic/4379384-your-suggestionsadvice-wanted/#post-4510656 Mon, 28 Mar 2005 10:37:37 +0000 Why does your Mum want/need to sell?
Other than the home loan, what other debts does your mother have?

]]> 7df37a330a2f2fa316919101d7892075 woodsman replied to the topic Property to do well in 2005 in the forum General Property https://www.propertyinvesting.com/topic/4379361-property-to-do-well-in-2005/#post-4510468 Mon, 28 Mar 2005 09:02:17 +0000 F,
Your cheer leading exercise for significant property reductions and ill-conceived public policy recommendations/prognostications does raise the eyebrow but only before I start laugung out loud (incredulously)

Mr Megoleganis is another cheerleader of the intellectual left if you look at his background and writings, however, again his position…[Read more]

]]> e741a3e23f3cf8ba60586970e2960248 woodsman replied to the topic Why can't we get 100% finance on property in the forum Opinionated! https://www.propertyinvesting.com/topic/4379376-why-cant-we-get-100-finance-on-property/#post-4510610 Mon, 28 Mar 2005 03:18:48 +0000 Ahhh foundation, you are nothing if not consistent.

As for Kerwyn’s question, I am also looking into finance or at least some information on finance for future purchases in Greece.

From what I have been able to find out, mortgage insurance or Mortgage Indemnity Gurantee (MIG) as it is called in the UK, seems to be payable for deposits less than…[Read more]

]]> 65452112881e2c9378b4d4bedb67b577 woodsman replied to the topic Land Tax in the forum No Subject https://www.propertyinvesting.com/topic/4379372-land-tax-19/#post-4510582 Sun, 27 Mar 2005 21:49:38 +0000 For NSW

http://www.osr.nsw.gov.au/portal/page?_pageid=33,63650&_dad=portal&_schema=OSRPTLT

For VIC

http://www.sro.vic.gov.au/sro/srowebsite.nsf/landtax

]]> 9862c2b80ece63d55e5354a999e5d9c8 woodsman replied to the topic Just started in the forum General Property https://www.propertyinvesting.com/topic/4379369-just-started/#post-4510569 Sun, 27 Mar 2005 04:10:02 +0000 Anson,

An appointment with a mortgage broker would also clarify what you can and cannot do from a financial viewpoint as well.

]]> ba0f1e49add862596a5127f96e2dc37b woodsman replied to the topic using Equity in the forum Help Needed! https://www.propertyinvesting.com/topic/4379352-using-equity-2/#post-4510411 Sun, 27 Mar 2005 04:07:02 +0000 Yes, I’m aware of this, however, many investors still use their PPOR as security… which was my point

Not sure if this is the case, but I recently was talking to a mortgage broker with respect to an investment loan, and whilst I don’t have a PPOR, he was recommending that I cross-collateralise one of my other IP’s with this new loan. My…[Read more]

]]> c827f16b8b38b3b5a9574fea5b33c7ad woodsman replied to the topic Lenders that take into account living with parents in the forum No Subject https://www.propertyinvesting.com/topic/4379370-lenders-that-take-into-account-living-with-parents/#post-4510576 Sun, 27 Mar 2005 03:44:42 +0000 Brizza,

In all my applications for finance (which covers 4 separate lenders – CBA, Westpac, St George & Macquarie), they have all wanted to clarify current living arrangements. That is

Living in own PPOR? Renting? OR are you living at home with parents.

]]> 5ccdfe829543d06cdec9890a644a26d5 woodsman replied to the topic finance in the forum Finance https://www.propertyinvesting.com/topic/4379340-finance-17/#post-4510339 Fri, 25 Mar 2005 00:52:55 +0000 How do keep borrowing for further investing when the only income received is from property investing?

With extreme difficulty. Even if you had a fully paid off property worth $500k, at a 4% net return, this would still only equate to $20k income. Rent reliance may then become an issue.
And whilst you might use this to invest in shares and achieve…[Read more]

]]> ed18a4786d3d8453feb3834b3f982948 woodsman replied to the topic borrow while living abroad in the forum No Subject https://www.propertyinvesting.com/topic/4379332-borrow-while-living-abroad/#post-4510283 Fri, 25 Mar 2005 00:24:33 +0000 Terry,

What would change (if anything) in this scenario, if there were two people applying? One overseas like Leigh and another in Australia.

If borrowing 80% or less (in joint application), would this pass lenders & MI criteria?

]]> 001d51deaedd913a321baa39bb232f56 woodsman replied to the topic Melbourne 2030 in the forum Value Adding https://www.propertyinvesting.com/topic/4378792-melbourne-2030/#post-4506967 Tue, 22 Mar 2005 06:28:09 +0000 http://www.theage.com.au/news/National/Melbourne-shaping-up-as-another-Hong-Kong/2005/03/22/1111254002192.html

Noticed the anti-Melbourne 2030 proponents are starting to make some noise through Bob Birrell. (Remember him from uni as author of studies outlining the negative effects of immigration)

Does anyone think they will have some traction…[Read more]

]]> 0b363326b8910c33d2396858dffd658d woodsman replied to the topic Indian Phone Calls: How do I Block them? in the forum Opinionated! https://www.propertyinvesting.com/topic/4379260-indian-phone-calls-how-do-i-block-them/#post-4509753 Mon, 21 Mar 2005 10:41:47 +0000 I had my phone number unlisted 6 months ago, yet alas, I still get these phone calls, more often than ever.

If you find a solution, post it here…..Good luck

]]> 15098894b8d13ad0f312b43182134517 woodsman replied to the topic Auction in the forum General Property https://www.propertyinvesting.com/topic/4379249-auction-2/#post-4509708 Mon, 21 Mar 2005 01:54:53 +0000 The Trustee won’t accept any offers prior to auction (I have been told this by the agent …. should I go direct and speak to the trustee about this?)

It is my experience that all trustee sales go to auction. This is not unusual.

Have you or your solicitor veiwed the vendor’s statement?
What are comparable properties being sold for?

]]> 4327bd3c66ab3455b8f674661e198a3f woodsman replied to the topic New to this ( Trust Fund Ideas) in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4378919-new-to-this-trust-fund-ideas/#post-4507690 Sat, 19 Mar 2005 15:14:01 +0000 Question re hybrid trust. If you set up a hybrid trust and buy units – aren’t the units then an asset of yours and open for attack from bankruptcy, litigation etc Where does this leave your asset protection?

Don’t forget under a HDT, the discretionary nature of the trust allows any proceeds of any sale or income to be assigned as the trustee…[Read more]

]]> 09cbd861413f950f2aa3cfb4ea366f78 woodsman replied to the topic Frankston hunt - property types in the forum Value Adding https://www.propertyinvesting.com/topic/4378449-frankston-hunt-property-types/#post-4504836 Sat, 19 Mar 2005 14:40:47 +0000 We have just purchased a property in south frankston and sold it within a week for a good net,

You sold it within a week? Is that a typo?

]]> caea385276f15c3ece39ca486ddf4606 woodsman replied to the topic Who follows the AFL. in the forum Forum Frolic https://www.propertyinvesting.com/topic/4379200-who-follows-the-afl/#post-4509414 Thu, 17 Mar 2005 23:49:49 +0000 Collingwood

]]> 992c7367bca3974ceb5548121dd39415 woodsman replied to the topic Appointment with Valuer in the forum General Property https://www.propertyinvesting.com/topic/4379190-appointment-with-valuer/#post-4509340 Thu, 17 Mar 2005 23:47:03 +0000 Thanks for your responses – will let you know of my experience and efforts to woo them into the valuation that I want.

]]> 417cd8a155790a9b111f10ee4dae9eb2 woodsman replied to the topic Appointment with Valuer in the forum General Property https://www.propertyinvesting.com/topic/4379190-appointment-with-valuer/#post-4509332 Thu, 17 Mar 2005 05:38:40 +0000 C@34,

Intellectually, just can’t see how a software system could help you achieve more from a valuation viewpoint than what the market actually says it is worth ie comparavle sales. Maybe my mind isn’t open to accept this new paradigm!

I guess there is a money back guarantee which might be useful for those who are tempted but unsure. In my…[Read more]

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