PropertyInvesting.com | Wynyard | Activity https://www.propertyinvesting.com/members/wynyard/activity/ Activity feed for Wynyard. Thu, 09 Apr 2026 21:16:58 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 c8bff82c73dd4b0150afa5c7d5b0c1a5 Wynyard replied to the topic Getting the right rent in the forum General Property https://www.propertyinvesting.com/topic/4402921-getting-the-right-rent/#post-4642906 Sat, 05 Mar 2011 08:36:38 +0000 "In the end I had 6 applicants, if that, the vast majority of whom I wouldn't consider renting to for one reason or another (ie. potentially 'high-risk' type tenants)"what do you consider high-risk tenants?

]]> 010e3c5ca70e68e5c3b93d2c01701319 Wynyard replied to the topic Getting the right rent in the forum General Property https://www.propertyinvesting.com/topic/4402921-getting-the-right-rent/#post-4642897 Wed, 02 Mar 2011 11:49:25 +0000 Didn't you do the research first? I can hear at least one bubble popping.

]]> c854a0660edfdda1dc3beee7852a17b3 Wynyard replied to the topic Is property really unaffordable? in the forum What would a family, with https://www.propertyinvesting.com/topic/4400859-is-property-really-unaffordable/page/2/#post-4629790 Wed, 02 Mar 2011 11:46:58 +0000 What would a family, with two toddlers, who have lived in inner city Melbourne most of their lives, built up social networks, jobs and a life (it was affordable to rent until the last five years) do on a $40,000 household income? I did some rough maths on rental properties of $300-$350pw, and there's nothing left each week, even before nappies or…[Read more]

]]> 247a4660a8e641b2c04981ccb80551a9 Wynyard replied to the topic Useful Buffett Insight in the forum General Property https://www.propertyinvesting.com/topic/4402822-useful-buffett-insight/page/6/#post-4642258 Sun, 27 Feb 2011 13:29:16 +0000 This article might be of interest: http://www.smh.com.au/business/cashing-in-on-the-boom-20110225-1b8ow.html–'The boom's effect of driving a high cost of living in Melbourne, including galloping property prices, is nominated by [Brian] McNamee as CSL's biggest challenge as it seeks the world's best and brightest. "The biggest challenge for us…[Read more]

]]> b00d5d20a0ebe06b2195644f2a32bcd6 Wynyard replied to the topic Useful Buffett Insight in the forum General Property https://www.propertyinvesting.com/topic/4402822-useful-buffett-insight/page/2/#post-4642184 Sat, 19 Feb 2011 09:40:56 +0000 Hi Mark, would you care to answer your own question – what are you doing? is anyone you know taking steps yet?

]]> bba4738de30ca47a66bb902acaa76cfd Wynyard replied to the topic No Housing Bubble in Australia...is there? in the forum "And the people who aren't https://www.propertyinvesting.com/topic/4400323-no-housing-bubble-in-australia-is-there/page/9/#post-4626720 Sat, 19 Feb 2011 09:38:15 +0000 "And the people who aren't as well-endowed then go around saying that property is unaffordable. Of course! How can people with a low income expect to buy into blue-ribbon suburbs?"I'm not talking about no blue ribbon suburbs. As I said, a lot of Preston is the dogs balls, and that will still set you back about 12 x the average income of an inner…[Read more]

]]> c07ae9cc90573fb32173929d80cce40f Wynyard replied to the topic No Housing Bubble in Australia...is there? in the forum General Property https://www.propertyinvesting.com/topic/4400323-no-housing-bubble-in-australia-is-there/page/9/#post-4626719 Sat, 19 Feb 2011 08:56:55 +0000 "Just out of interest, what is the weekly rent of a place in this slumsville part of Preston?"$310-350pw. Same as the nice area just a few blocks away.

]]> a6f2e43018d18dd47fb0f8143461b43c Wynyard replied to the topic No Housing Bubble in Australia...is there? in the forum Anyhow, a while back you https://www.propertyinvesting.com/topic/4400323-no-housing-bubble-in-australia-is-there/page/9/#post-4626712 Sat, 19 Feb 2011 03:04:40 +0000 Anyhow, a while back you asked about some other blogs to check out, I don't rate them all but they each have something informative or funny to add, and I'm sure there is plenty…[Read more]

]]> a09182a7746e976095ea65b63865f240 Wynyard replied to the topic No Housing Bubble in Australia...is there? in the forum General Property https://www.propertyinvesting.com/topic/4400323-no-housing-bubble-in-australia-is-there/page/9/#post-4626711 Sat, 19 Feb 2011 02:44:35 +0000 When I inspected it as a potential rental property, I asked the agent what it would be worth to buy – that's what she said. Doing a comparison online, it's probably not accurate. The back yard is pretty huge, so its just the land she is putting at that value, saying the house needs to knocked down to build flats. Which is what the owners intend…[Read more]

]]> 1f2b697d1afed801b2bfc27013cc2b9c Wynyard replied to the topic No Housing Bubble in Australia...is there? in the forum AHP, would you believe(I https://www.propertyinvesting.com/topic/4400323-no-housing-bubble-in-australia-is-there/page/9/#post-4626709 Sat, 19 Feb 2011 02:15:31 +0000 AHP, would you believe(I think you would, and its true) – $800K

]]> 5b811d1f42ad2c501cbbbc91f26240ec Wynyard replied to the topic Is property really unaffordable? in the forum General Property https://www.propertyinvesting.com/topic/4400859-is-property-really-unaffordable/#post-4629775 Fri, 18 Feb 2011 15:09:54 +0000 Even low earners like me can still afford to buy a place in some areas, its true. And I can get a loan to do it. Say I go for a place worth $200K in regional VIC. Once I move there, I'll have to learn a new trade because the sort of job I work only exists in the city, and I will pay my maximum inner-city rental capacity equivalent for 30 years. By…[Read more]

]]> 37376573a010b3b7eb23bf8cdd9ee5b7 Wynyard replied to the topic Useful Buffett Insight in the forum General Property https://www.propertyinvesting.com/topic/4402822-useful-buffett-insight/page/2/#post-4642182 Fri, 18 Feb 2011 14:49:47 +0000 Apologies, I meant to link to this article on German housing "A housing market whodunit" by Oliver Marc Hartwich – it explains the system much more thoroughly: http://www.cis.org.au/media-information/opinion-pieces/article/2358

]]> 43bcc9d8792cda5f96a236200b8b09f7 Wynyard replied to the topic No Housing Bubble in Australia...is there? in the forum General Property https://www.propertyinvesting.com/topic/4400323-no-housing-bubble-in-australia-is-there/page/9/#post-4626706 Fri, 18 Feb 2011 13:17:19 +0000 It's nice to see you guys duke it out..Just as an aside, what would you think this property would be worth, to buy, knowing that it needs re-stumping and that the second 'bedroom' is in fact the dining room that joins the lounge, separated by glass doors?: http://www.realestate.com.au/property-house-vic-preston-405044973

]]> f66246d71db942e9a5c84a605f5a1a54 Wynyard replied to the topic Useful Buffett Insight in the forum Hi Steve, With regards to https://www.propertyinvesting.com/topic/4402822-useful-buffett-insight/page/2/#post-4642180 Fri, 18 Feb 2011 12:40:45 +0000 Hi Steve, With regards to your comment "Value is perceived, not intrinsic" you may enjoy reading 'The Value of Nothing: How to Reshape Market Society & Refine Democracy' by Raj Patel. I personally believe prices are over inflated and would like to see a correction, without a crash. In believing this, I have begun to focus less on the potential…[Read more]

]]> db24b755f903795e76d6e87c05278766 Wynyard replied to the topic No Housing Bubble in Australia...is there? in the forum "But I don’t see the point https://www.propertyinvesting.com/topic/4400323-no-housing-bubble-in-australia-is-there/page/8/#post-4626685 Wed, 16 Feb 2011 06:02:06 +0000 "But I don’t see the point in trying anymore"What did you try, when you were trying? I am trying to rally support, and once there is enough awareness of the crisis, and a clear policy direction that benefits all, encourage people to petition the government, and ideally, hold large scale protests in major cities. There are a lot of struggling p…[Read more]

]]> 0b67b30a14064aa59a15f6c9a497723b Wynyard replied to the topic No Housing Bubble in Australia...is there? in the forum General Property https://www.propertyinvesting.com/topic/4400323-no-housing-bubble-in-australia-is-there/page/8/#post-4626683 Tue, 15 Feb 2011 11:45:53 +0000 The focus needs to change from the 'property bubble' to the 'affordable housing crisis' in Australia. 'Crisis' may be a loaded word but I use it freely now, as it is being widely adopted by the Australian media, political parties, housing institutions and academics.By discussing the alleged property bubble, we rely too much on speculation, from…[Read more]

]]> c5c12f34e61184ccfbb427be8b7091e9 Wynyard replied to the topic No Housing Bubble in Australia...is there? in the forum General Property https://www.propertyinvesting.com/topic/4400323-no-housing-bubble-in-australia-is-there/page/7/#post-4626663 Fri, 11 Feb 2011 02:00:58 +0000 http://bubblepedia.net.au/

]]> 4e39b3301c89104c457f784c2a4ce27f Wynyard replied to the topic Investors Ruined Australia in the forum General Property https://www.propertyinvesting.com/topic/4401596-investors-ruined-australia/page/2/#post-4634519 Mon, 07 Feb 2011 15:49:39 +0000 And just to add one more article for now, I think this is a more thorough piece than the supply and demand article above (although I did like the cornflakes comparison), the reader comments are worth reading too: http://seekingalpha.com/article/227083-the-great-australian-housing-bubble "The data, therefore, strongly suggests that the Australian…[Read more]

]]> d624be4daf3fe2507dbdf18fceaec872 Wynyard replied to the topic Investors Ruined Australia in the forum I agree about a lack of https://www.propertyinvesting.com/topic/4401596-investors-ruined-australia/page/2/#post-4634518 Mon, 07 Feb 2011 15:26:46 +0000 I agree about a lack of manufacturing will come back to haunt us. As will selling off our assets and companies, our fossil fuels, 50% of our new properties, as will farming out our basic services.  But on the issue of houses, I suggest you read the ‘Demographia International Housing Affordability Survey: 2011’ (htt…[Read more]

]]> 4d615edb135ce920e43c853b58efdc7b Wynyard replied to the topic No Housing Bubble in Australia...is there? in the forum General Property https://www.propertyinvesting.com/topic/4400323-no-housing-bubble-in-australia-is-there/page/6/#post-4626656 Mon, 07 Feb 2011 12:40:04 +0000 Here is a link to the full ‘Demographia International Housing Affordability Survey: 2011’ for those interested: http://www.demographia.com/dhi.pdf

]]> e15021bd662ba420dce38c2a7dead079 Wynyard replied to the topic Investors Ruined Australia in the forum I realised starting a topic https://www.propertyinvesting.com/topic/4401596-investors-ruined-australia/page/2/#post-4634515 Mon, 07 Feb 2011 04:15:33 +0000 I realised starting a topic like this here was like blowing smoke in a hornets nest. The inherent overstatement of the thread title/first post was a point taken to its extreme. While I figure that profiteering from property does make it harder for everybody on middle-income to afford a home, its a capitalist society, so it's no great surprise that…[Read more]

]]> 9bf8f96a89f140104b8f68bf64c477b1 Wynyard replied to the topic Any property left for average-wage earners? in the forum General Property https://www.propertyinvesting.com/topic/4401207-any-property-left-for-average-wage-earners/page/2/#post-4631953 Tue, 01 Feb 2011 13:07:50 +0000 Thanks to you both, I'm liking this. You are right Richard. If I stay in a decent place I could not have otherwise afforded till I die, and the bank takes 40% of the sold value, who cares!  I go through many periods of excitement and thinking I can do this, so far I haven't nailed anything down, but I am keen to.I have just posted a scenario over…[Read more]

]]> 69ccc2688cc3d821223200ddadd79fe4 Wynyard replied to the topic $20,000 saved. What to do? in the forum Creative Investing https://www.propertyinvesting.com/topic/4402641-20000-saved-what-to-do/#post-4640822 Tue, 01 Feb 2011 13:00:55 +0000 Would it be worth buying a place in St Arnaud?For example, this one has sold already, but to do the maths (quickly and roughly), have a look:http://www.realestate.com.au/property-house-vic-st+arnaud-104794172Say I pick one like this up for $100K. I put down $20K deposit, but we stay living in Melb and renting (so no first home grant for us). The…[Read more]

]]> 93a23f43f5f33e471cb22e794a17dd17 Wynyard replied to the topic No Housing Bubble in Australia...is there? in the forum "prices in Singapore are https://www.propertyinvesting.com/topic/4400323-no-housing-bubble-in-australia-is-there/page/5/#post-4626641 Tue, 01 Feb 2011 12:42:11 +0000 "prices in Singapore are highway robbery" Why are we in this position? Indeed, that is all news to me, thank you for lifting the wool from my eyes. In someways I'm glad to know we're not alone, it strengthens my feeling that we are all screwed – and that perhaps there could still be a revolution (several, a la Egypt). Maybe there is a latent…[Read more]

]]> 203cfcb00c6561aea301154bc369461d Wynyard replied to the topic No Housing Bubble in Australia...is there? in the forum Hey DWolfe! See second https://www.propertyinvesting.com/topic/4400323-no-housing-bubble-in-australia-is-there/page/5/#post-4626640 Tue, 01 Feb 2011 12:36:46 +0000 Hey DWolfe! See second para, and I quote: "London is more affordable than Geelong."The print article (from the Age, syndicated with SMH – I just did a quick google to dig up the spooks) had numbers to back this up (in graphic form, prob why not shown here). Yes, it is more affordable to buy in London, taking into account cost of living vs…[Read more]

]]> ccb0b9ab8cfa1c5d801f569029cbc70e Wynyard replied to the topic $120 Houses in Australia in the forum General Property https://www.propertyinvesting.com/topic/4401720-120-houses-in-australia/#post-4635262 Tue, 01 Feb 2011 12:21:34 +0000 Thornbury, actually they seem pretty happy with the house, just not the location.

]]> e8fc2a62ed4dbc697172e7a72a17884c Wynyard replied to the topic Any property left for average-wage earners? in the forum General Property https://www.propertyinvesting.com/topic/4401207-any-property-left-for-average-wage-earners/page/2/#post-4631950 Tue, 01 Feb 2011 08:43:05 +0000 Qlds007 wrote:
If you are prepared to give up some of the potential capital growth a shared equity scheme could be an option.Max lvr is 90% so you would to have a deposit but we are starting to see more and more of these loans evolve.You might take out a 90% lvr and you make repayments on say 70% with 20% being interest and repayment free. The…[Read more]

]]> 6f3dc81aef4bb7954e3f21e35d57215c Wynyard replied to the topic No Housing Bubble in Australia...is there? in the forum Geelong now more expensive https://www.propertyinvesting.com/topic/4400323-no-housing-bubble-in-australia-is-there/page/5/#post-4626637 Tue, 01 Feb 2011 08:38:51 +0000 Geelong now more expensive than London! The report is a few days old, but in case you missed ithttp://smh.domain.com.au/real-estate-news/melbourne-housing-now-severely-unaffordable-20110125-1a396.html

]]> 7bdcd393a9cd07a49b113e235a97c71f Wynyard replied to the topic good area under $200k in the forum Bumping for any new leads https://www.propertyinvesting.com/topic/4399465-good-area-under-200k/page/4/#post-4621693 Tue, 01 Feb 2011 08:35:09 +0000 Bumping for any new leads

]]> 74b43fbc44f3eb92f15bf3332254d618 Wynyard replied to the topic $120 Houses in Australia in the forum General Property https://www.propertyinvesting.com/topic/4401720-120-houses-in-australia/#post-4635259 Tue, 01 Feb 2011 08:33:18 +0000 Bumping for new leads

]]> d66429e1ee54a54ac2036bd9177a47e9 Wynyard replied to the topic Investors Ruined Australia in the forum General Property https://www.propertyinvesting.com/topic/4401596-investors-ruined-australia/page/2/#post-4634511 Tue, 01 Feb 2011 08:31:04 +0000 I still think negative gearing and tax breaks for property investors, and even just the idea that property has become a source (or aspiration for) of massive profits, has changed the dynamic between rich and poor in Australia. I still think these factors, along with population growith has caused increased rents, and reduced the quality of housing…[Read more]

]]> 039e0e3c59a24f648f408a8b5c8034de Wynyard replied to the topic Country homes for sale under$50,000: Search techniques? in the forum General Property https://www.propertyinvesting.com/topic/4394226-country-homes-for-sale-under50000-search-techniques/#post-4592875 Tue, 01 Feb 2011 08:25:23 +0000 I am interested in this, often do searches with that criteria and imagine moving to a weird town somewhere. It could be good, maybe even retire at 30.  I imagine many super cheap/remote places don't make it online, but I am purely speculating and assuming a lack of tech savvy people in the areas these places can come up. I imagine local signs…[Read more]

]]> 32c1a91a055e7c9339f3d6b262a07573 Wynyard replied to the topic Investors Ruined Australia in the forum General Property https://www.propertyinvesting.com/topic/4401596-investors-ruined-australia/#post-4634504 Mon, 01 Nov 2010 12:48:58 +0000 Most renters rent because they feel like its their only option. This may not be true, I've been trying to figure out ways to make buying a place possible, its not easy, but its not impossible either. Growing up poor lead me to believe I didn't have a chance, but now I know I could have done things differently. I'm hoping to sort it out and if it…[Read more]

]]> e02886acb60daadd1e0176f55883fd94 Wynyard replied to the topic $120 Houses in Australia in the forum General Property https://www.propertyinvesting.com/topic/4401720-120-houses-in-australia/#post-4635257 Mon, 01 Nov 2010 12:24:59 +0000 After a place to call home, not a CF+ IP. I hope this IP market burns itself out and people can afford to live in city properties once again. My workmates just bought a $800K house and are not even thrilled with what they got – an okay house in an okay area … 'ok' isn't what we should get for $800K. $120 seems worth living in a desolate town…[Read more]

]]> dc596d252da783d4950fc63661f0bd5b Wynyard replied to the topic Anyone bought Atlanta properties using Top Rental Returns? in the forum Overseas Deals https://www.propertyinvesting.com/topic/4400716-anyone-bought-atlanta-properties-using-top-rental-returns/#post-4628960 Thu, 07 Oct 2010 04:55:01 +0000 Not so good huh?

]]> 441025f02a4b0d72a6a8ae9108d86933 Wynyard replied to the topic good area under $200k in the forum Is it possible to buy a https://www.propertyinvesting.com/topic/4399465-good-area-under-200k/page/3/#post-4621676 Thu, 07 Oct 2010 04:47:44 +0000 Is it possible to buy a <$200,000 property for CF+ (or CF neutral) with only a 10% deposit?

]]> 14fff1519e5f4539cc451640bfcde8e0 Wynyard replied to the topic My USA Property in the forum Overseas Deals https://www.propertyinvesting.com/topic/4400967-my-usa-property/page/2/#post-4630396 Thu, 07 Oct 2010 04:42:43 +0000 chenkai1980 wrote:

Wynyard wrote:
Which bank? I couldn't find any to finance OS property.

I think you can apply for line of credit. chees!

Not sure what this means. Could you elaborate a little?

]]> d65c05371e391bedfc74db3dd391b33f Wynyard replied to the topic Property bust not here yet ... worse to come in the forum General Property https://www.propertyinvesting.com/topic/4385726-property-bust-not-here-yet-worse-to-come/page/35/#post-4549112 Thu, 07 Oct 2010 04:40:42 +0000 Good day to buy – ie: less competition?

]]> 2d9a1073aeb9e8fe6f2767dc3b067a88 Wynyard replied to the topic No Housing Bubble in Australia...is there? in the forum General Property https://www.propertyinvesting.com/topic/4400323-no-housing-bubble-in-australia-is-there/page/5/#post-4626625 Thu, 07 Oct 2010 04:32:10 +0000 A good point being made here: With a Million Dollars in 1980 a investor could buy 25 houses at the 1980 Median price of $40K & rent them out @ $100pw or $130K PA giving you a yield of 13% less 1980 interest rates of 10% & you had a investment that paid for itself to hold plus a investor could sit back& enjoy the capital gains… Fast Fwd…[Read more]

]]> 288dc504c9a2d686c005b682d26c8697 Wynyard replied to the topic Why do we shun student accomodation? in the forum Help Needed! https://www.propertyinvesting.com/topic/4400592-why-do-we-shun-student-accomodation/page/2/#post-4628268 Tue, 05 Oct 2010 00:41:11 +0000 If you do buy one – get one 3-5 years old and offer 50k under market value.If making an offer like this, whats the best way to do it? How can you validate it?

]]> d6358cdca2accbf3e1ef3bfd37814bd9 Wynyard replied to the topic Why do we shun student accomodation? in the forum Help Needed! https://www.propertyinvesting.com/topic/4400592-why-do-we-shun-student-accomodation/page/2/#post-4628267 Tue, 05 Oct 2010 00:38:13 +0000 Good reading. I was thinking of buying student accom. I'm a student now, so I could possibly even apply for FHOG for a student only accom unit, and then turn it into IP in three or so years (don't know if this would fly with the gov anyway). Seems like not such a good way to go. Back to the drawing board.

]]> fa6451a1f7b62736efebd5e4699923ce Wynyard replied to the topic Property bust not here yet ... worse to come in the forum General Property https://www.propertyinvesting.com/topic/4385726-property-bust-not-here-yet-worse-to-come/page/35/#post-4549107 Tue, 05 Oct 2010 00:25:23 +0000 I'm looking at apartments in Melbourne. Two weeks ago I only found two listed for <220k. This week, I found five pages of them. Many under <$150k, almost half are claiming 'price reduced' etc. Is this a result of fire sales due to possible interest rate rise, or was my search two weeks ago just unusually unfruitful?

]]> fb9ed4a8c4a97a66992eab7fb4ba56b2 Wynyard replied to the topic For those thinking 'creative' means rorting the FHOG system. in the forum Creative Investing https://www.propertyinvesting.com/topic/4400908-for-those-thinking-creative-means-rorting-the-fhog-system/#post-4630046 Tue, 28 Sep 2010 01:44:44 +0000 But you can legally turn an owner occupied home into a rental property after 6 months can't you?

]]> fb9ed4a8c4a97a66992eab7fb4ba56b2 Wynyard replied to the topic For those thinking 'creative' means rorting the FHOG system. in the forum Creative Investing https://www.propertyinvesting.com/topic/4400908-for-those-thinking-creative-means-rorting-the-fhog-system/#post-4630044 Tue, 28 Sep 2010 01:44:44 +0000 But you can legally turn an owner occupied home into a rental property after 6 months can't you?

]]> fb9ed4a8c4a97a66992eab7fb4ba56b2 Wynyard replied to the topic For those thinking 'creative' means rorting the FHOG system. in the forum Creative Investing https://www.propertyinvesting.com/topic/4400908-for-those-thinking-creative-means-rorting-the-fhog-system/#post-4630042 Tue, 28 Sep 2010 01:44:44 +0000 But you can legally turn an owner occupied home into a rental property after 6 months can't you?

]]> f15c1d1637315667c0109dafc9b0c1a4 Wynyard replied to the topic My USA Property in the forum Overseas Deals https://www.propertyinvesting.com/topic/4400967-my-usa-property/page/2/#post-4630391 Tue, 28 Sep 2010 01:33:59 +0000 Which bank? I couldn't find any to finance OS property.

]]> dd7ed7b1464e5ef13632ea920d234e51 Wynyard replied to the topic Using a Buyers Agent in the forum General Property https://www.propertyinvesting.com/topic/4399706-using-a-buyers-agent/#post-4623187 Tue, 28 Sep 2010 01:30:32 +0000 I thought their fees were quite high, but the idea is they can get a better price for you – perhaps saving you double their fee? Guess it depends on the amount of interest in a property to achieve such good results. What else do they claim to do? What were you hoping to hear when you met with them?

]]> 187de61b782d43b28fa5f684c926d1b3 Wynyard replied to the topic Any property left for average-wage earners? in the forum General Property https://www.propertyinvesting.com/topic/4401207-any-property-left-for-average-wage-earners/#post-4631940 Tue, 28 Sep 2010 01:23:31 +0000 Any other simple things that banks won't tell you, things that could save some money on loans/repayments?

]]> 4156a359b1eb1427752ad436ba24da57 Wynyard replied to the topic Any property left for average-wage earners? in the forum General Property https://www.propertyinvesting.com/topic/4401207-any-property-left-for-average-wage-earners/#post-4631939 Mon, 20 Sep 2010 07:39:14 +0000 Wow – this is really great advice, thank you! So much to learn.

]]> e628d05787d41f1229af1dea5ae5c0da Wynyard replied to the topic Commonwealth Bank Presentation in the forum So they're trying to dupe https://www.propertyinvesting.com/topic/4401229-commonwealth-bank-presentation/#post-4632032 Sun, 19 Sep 2010 02:23:11 +0000 So they're trying to dupe people into a false sense of security? Probably the best evidence that a market crash is not far away.

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