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	<title>PropertyInvesting.com | yarpos | Activity</title>
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				<title>yarpos replied to the topic Interest Rates Will Fall in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/page/4/#post-4591287</link>
				<pubDate>Fri, 08 Aug 2008 00:56:25 +0000</pubDate>

									<content:encoded><![CDATA[<p>ummester wrote:<br />
Scamps right,It&#039;s here<a href="http://www.ottawagroup.org/Ottawa/ottawagroup.nsf/home/Meeting+9/$file/2006%209th%20Meeting%20-%20Keith%20Woolford%20(presented%20by%20Merry%20Branson)%20-%20An%20exploration%20of%20alternative%20treatments%20of%20owner-occupied%20housing%20in%20a%20CPI.pdf" rel="nofollow">http://www.ottawagroup.org/Ottawa/ottawagroup.nsf/home/Meeting+9/$file/2006%209th%20Meeting%20-%20Keith%20Woolford%20(presented%20by%20Merry%20Branson)%20-%20An%20exploration%20of%20alternative%20treatments%20of%20owner-occupied%20housing%20in%20a%20CPI.pdf</a>And&hellip;<span class="activity-read-more" id="activity-read-more-273369"><a href="https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/page/4/#post-4591287" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Interest Rates Will Fall in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/page/4/#post-4591286</link>
				<pubDate>Fri, 08 Aug 2008 00:51:09 +0000</pubDate>

									<content:encoded><![CDATA[<p>just to finish this topic finally and clear out facts from what various people think.I called the ABS,  they pointed me to this paragraph in a doc explaining CPI:10.51 Third, the CPI basket includes items that are mutually exclusive for individual households. For example, both the rent payments of renter households, and the amounts paid by&hellip;<span class="activity-read-more" id="activity-read-more-273368"><a href="https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/page/4/#post-4591286" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic melbourne or bust! in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393957-melbourne-or-bust/#post-4591625</link>
				<pubDate>Fri, 08 Aug 2008 00:32:06 +0000</pubDate>

									<content:encoded><![CDATA[<p>the market is soft,  you dont know what you are doing in two years,  you have a good income levelwhy put the best part of a million bucks on the table and lock yourselves in?   unless of course you are feeling the need to have some roots somewhere .</p>
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				<title>yarpos replied to the topic Best advice : Don't invest into property : The australian market is CRASHING.  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/28/#post-4587286</link>
				<pubDate>Fri, 08 Aug 2008 00:24:14 +0000</pubDate>

									<content:encoded><![CDATA[<p>why would anyone waste the time going toe to toe with him?  look at the content &#8230;.random -ve stuff , presented as fact and usually not sourced,  causes /effects/economies/countries all mixed up in any way that supports a single line of argument.   Just like the circus , one trick ponies get boring.</p>
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				<title>yarpos replied to the topic 100% Finance - Age article today in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393953-100-finance-age-article-today/#post-4591600</link>
				<pubDate>Thu, 07 Aug 2008 10:53:22 +0000</pubDate>

									<content:encoded><![CDATA[<p>thats not a rant newbi2 just fair comment I reckon ,  and generally that would be my first reaction also&#8230;&#8230;..but&#8230;&#8230;when all these people do stupid stuff en masse it drags the overall system and yet again we all pay.    I dont have an answer, it seems that we are screwed either way if we leave it to boom and bust.</p>
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				<title>yarpos replied to the topic Best advice : Don't invest into property : The australian market is CRASHING.  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/27/#post-4587270</link>
				<pubDate>Thu, 07 Aug 2008 10:46:29 +0000</pubDate>

									<content:encoded><![CDATA[<p>&quot; I mean, how much debt can they safely create?&quot;unmester,  recent times would lead us to say that whatever the number is , its a damn sight less than what they have already done&#8230;sadly.  But to be fair to them (did I say that?)&#8230;.they are just a reflection of the general greed levels </p>
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				<title>yarpos replied to the topic Interest Rates Will Fall in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/page/4/#post-4591284</link>
				<pubDate>Thu, 07 Aug 2008 10:41:46 +0000</pubDate>

									<content:encoded><![CDATA[<p>I agree that the cost of the house isnt there,  the cost of buying or renting it is</p>
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				<title>yarpos replied to the topic property boom or not??? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393943-property-boom-or-not/page/2/#post-4591519</link>
				<pubDate>Thu, 07 Aug 2008 10:39:01 +0000</pubDate>

									<content:encoded><![CDATA[<p>QLD stamp duty changes applied to all buyers not just FHBssummary here <a href="http://garvey.biz/2008/06/04/new-duty-rates/" rel="nofollow">http://garvey.biz/2008/06/04/new-duty-rates/</a></p>
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				<title>yarpos replied to the topic Interest Rates Will Fall in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/page/4/#post-4591281</link>
				<pubDate>Thu, 07 Aug 2008 10:30:32 +0000</pubDate>

									<content:encoded><![CDATA[<p>&quot; CPI would capture only the cost of consuming owner-occupied housing services &#8230;&#8230;&#8230;&quot;this un referenced quote demonstrates that housing costs arent in the CPI????   que?  what do you think the &quot;  the cost of consuming owner-occupied housing services &quot;  is comprised of?</p>
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				<title>yarpos replied to the topic Interest Rates Will Fall in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/page/4/#post-4591280</link>
				<pubDate>Thu, 07 Aug 2008 10:24:11 +0000</pubDate>

									<content:encoded><![CDATA[<p>scamp why dont you look at the ABS site before getting so pathetically strident.  your just an IT guy remember you dont actually know everything ,  none of us do.gee housing is probably heating to warm up the house&#8230;&#8230; are you just joking or grasping at straws?really I cant do much more,  what part of housing do you not understand?</p>
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				<title>yarpos replied to the topic Best advice : Don't invest into property : The australian market is CRASHING.  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/27/#post-4587267</link>
				<pubDate>Thu, 07 Aug 2008 10:09:20 +0000</pubDate>

									<content:encoded><![CDATA[<p>no you dont leave births out scamp,  your clearly not a parent yet,  just think it through for more than 5 seconds before you feel the need to make condescending remarks.   New arrivals in the family often trigger requirements to renovate or move,  especially if you are a non mcmansion start out small couple.   This is a contributor to the market&hellip;<span class="activity-read-more" id="activity-read-more-240983"><a href="https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/27/#post-4587267" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic property boom or not??? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393943-property-boom-or-not/page/2/#post-4591517</link>
				<pubDate>Thu, 07 Aug 2008 02:51:50 +0000</pubDate>

									<content:encoded><![CDATA[<p>mackar wrote:<br />
why &#8230; if what you profess is correct, &amp; I&#039;m not shooting you down here&#8230; would several revered analysts ie: matusik, bis shrapnel etc state recently in their 2008 &#8211; 2011 predictions a 22% raise in property prices &amp; similar for rental increases..?? (I know I have just raised one of my properties rents by aprox 18% this year a&hellip;<span class="activity-read-more" id="activity-read-more-275858"><a href="https://www.propertyinvesting.com/topic/4393943-property-boom-or-not/page/2/#post-4591517" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic 100% Finance - Age article today in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393953-100-finance-age-article-today/#post-4591596</link>
				<pubDate>Wed, 06 Aug 2008 23:38:04 +0000</pubDate>

									<content:encoded><![CDATA[<p>Terryw wrote:<br />
Some people need protecting from themselves. I had a friend who was bored with her rental property and having to cover the shortfall each month so she just stopped paying the loan. She just thought the bank would take it and sell it for her!!</p>
<p><img src="/wp-content/uploads/smileys/dizzy2.gif?x75824" alt="" width="15" height="15" />   creative thinker&#8230;.how did that work out for her?</p>
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				<title>yarpos replied to the topic Interest Rates Will Fall in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/page/3/#post-4591272</link>
				<pubDate>Wed, 06 Aug 2008 23:34:15 +0000</pubDate>

									<content:encoded><![CDATA[<p>Scamp wrote:</p>
<p>yarpos wrote:<br />
CPI is driven by 90 different classifications.  housing (rents and mortgages) is just one of them  and not the single key driver of inflation.  BTW inflation isnt that high, 4 and a bit given inflated borrowing global costs and elevated fuel costs couldnt be called disaster.</p>
<p>Hi Yarpos, I wasn&#039;t talking about CPI, I&hellip;<span class="activity-read-more" id="activity-read-more-274123"><a href="https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/page/3/#post-4591272" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic property boom or not??? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393943-property-boom-or-not/page/2/#post-4591513</link>
				<pubDate>Wed, 06 Aug 2008 12:19:06 +0000</pubDate>

									<content:encoded><![CDATA[<p>scamp knows&#8230;he&#039;s not really just a dutch IT nerd with delusions of grandeur,  its just a cover for his real role as global economic modelling consultant to the world bank.   Just be grateful he finds some time to spend with us&#8230;&#8230;&#8230;..</p>
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				<title>yarpos replied to the topic property boom or not??? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393943-property-boom-or-not/#post-4591503</link>
				<pubDate>Wed, 06 Aug 2008 01:40:25 +0000</pubDate>

									<content:encoded><![CDATA[<p>not really,  its consistent with you other posts , I just thought you had something else to say</p>
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				<title>yarpos replied to the topic property boom or not??? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393943-property-boom-or-not/#post-4591501</link>
				<pubDate>Tue, 05 Aug 2008 22:30:01 +0000</pubDate>

									<content:encoded><![CDATA[<p>intel wrote:<br />
Samp were are you from ?</p>
<p>he&#039;s in the Netherlands and by his own statement has never been to Australia</p>
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				<title>yarpos replied to the topic property boom or not??? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393943-property-boom-or-not/#post-4591500</link>
				<pubDate>Tue, 05 Aug 2008 22:23:31 +0000</pubDate>

									<content:encoded><![CDATA[<p>ummester wrote:</p>
<p>yarpos wrote:</p>
<p>ummester wrote:<br />
<strong>NOT</strong></p>
<p>thanks for that valuable contribution,  what were you not-ing about?</p>
<p>Yarpos, where is your literal undertanding. The thread was entitled property boom or not. My answer was quite clear.</p>
<p>thanks for the clarification,  just thought you may have something to add&#8230;.thought it was a forum n&hellip;<span class="activity-read-more" id="activity-read-more-172857"><a href="https://www.propertyinvesting.com/topic/4393943-property-boom-or-not/#post-4591500" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Interest Rates Will Fall in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/page/2/#post-4591255</link>
				<pubDate>Tue, 05 Aug 2008 22:18:56 +0000</pubDate>

									<content:encoded><![CDATA[<p>CPI is driven by 90 different classifications.  housing (rents and mortgages) is just one of them  and not the single key driver of inflation.  BTW inflation isnt that high, 4 and a bit given inflated borrowing global costs and elevated fuel costs couldnt be called disaster.</p>
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				<title>yarpos replied to the topic property boom or not??? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393943-property-boom-or-not/#post-4591493</link>
				<pubDate>Tue, 05 Aug 2008 10:49:08 +0000</pubDate>

									<content:encoded><![CDATA[<p><strong>&quot;devo76 wrote:</strong> </p>
<blockquote><p>rising rents</p></blockquote>
<p>Wrong again. Rents are DROPPING. Like I have said many times before.&quot;No Scamp he is not wrong,  he has a different opinion to you.  Rents are now rising,  they may fall in your opinion.  Despite your towering ego ,  you saying something does not automatically mean its a fact</p>
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				<title>yarpos replied to the topic property boom or not??? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393943-property-boom-or-not/#post-4591492</link>
				<pubDate>Tue, 05 Aug 2008 10:45:56 +0000</pubDate>

									<content:encoded><![CDATA[<p>scamp you keep trotting out the UK immigrant thing,  are you trapped in a time warp or something.UK immigrants make up about 15% of the total,  <a href="http://www.diac.gov.au/media/publications/statistics/immigration-update/update_june07.pdf" rel="nofollow">http://www.diac.gov.au/media/publications/statistics/immigration-update/update_june07.pdf</a>do what you like with UK immigrants,  there are a queue of others.  Surely you can come up with more con&hellip;<span class="activity-read-more" id="activity-read-more-172849"><a href="https://www.propertyinvesting.com/topic/4393943-property-boom-or-not/#post-4591492" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic property boom or not??? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393943-property-boom-or-not/#post-4591491</link>
				<pubDate>Tue, 05 Aug 2008 10:26:16 +0000</pubDate>

									<content:encoded><![CDATA[<p>ummester wrote:<br />
<strong>NOT</strong></p>
<p>thanks for that valuable contribution,  what were you not-ing about?</p>
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				<title>yarpos replied to the topic property boom or not??? in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393943-property-boom-or-not/#post-4591486</link>
				<pubDate>Tue, 05 Aug 2008 08:46:27 +0000</pubDate>

									<content:encoded><![CDATA[<p>not sure what these bank guys are on, but I want some!maybe they just need to say something outrageous to get column inches in the press&#8230;or maybe they are just screwed in the head</p>
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				<title>yarpos replied to the topic Property and how many in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393933-property-and-how-many/page/2/#post-4591433</link>
				<pubDate>Tue, 05 Aug 2008 04:03:30 +0000</pubDate>

									<content:encoded><![CDATA[<p>yes crashy that leverage things works both ways , sadly we have many punters and industry gurus who havent lived through a downturn as an adult.   Anything less than a boom feels like a catstrophe for some of those people.I am a B(just), BTW</p>
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				<title>yarpos replied to the topic Best advice : Don't invest into property : The australian market is CRASHING.  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/25/#post-4587224</link>
				<pubDate>Tue, 05 Aug 2008 02:28:05 +0000</pubDate>

									<content:encoded><![CDATA[<p>&quot;Statements like that just make people <em>not</em> listen to you even more than we already don&#039;t&quot;an absolute nugget Marc,  we really should have a quotes of the week/month thread&#8230;.thanks for this you have brightened my day, something unexpected coming out of the armageddon thread.</p>
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				<title>yarpos replied to the topic newbie prperty investing advice in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393942-newbie-prperty-investing-advice/#post-4591480</link>
				<pubDate>Tue, 05 Aug 2008 02:21:57 +0000</pubDate>

									<content:encoded><![CDATA[<p>maybe its just me but I would be taking the CF+ road and would avoid any signifcant gearing against my PPOR&#8230;&#8230;I doubt you will be looking at a high capital growth environment for quite a while now.     Using the inherited place you could easily borrow into another place for a small contribution from you both and possibly have a nicely bal&hellip;<span class="activity-read-more" id="activity-read-more-216994"><a href="https://www.propertyinvesting.com/topic/4393942-newbie-prperty-investing-advice/#post-4591480" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Managing your own properties in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393930-managing-your-own-properties/#post-4591385</link>
				<pubDate>Mon, 04 Aug 2008 21:30:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>I think what you pay for in management fees is not running things while eveything is going well, its dealing with the issues when things go pear shaped.   In that case personally I would rather have an intermediary to issues notices , attend tribunals etc. and deal with the occasional attention seeker.   That suits me as I dont have much spare tim&hellip;<span class="activity-read-more" id="activity-read-more-210099"><a href="https://www.propertyinvesting.com/topic/4393930-managing-your-own-properties/#post-4591385" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Becoming Lardlord - expenses in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393939-becoming-lardlord-expenses/#post-4591469</link>
				<pubDate>Mon, 04 Aug 2008 21:17:52 +0000</pubDate>

									<content:encoded><![CDATA[<p>Water rates may be included in the BC charges also, depends on your State and the metering setup (per unit or per complex).   With the one unit we hold (VIC)  the BC pays all water charges.   The only other item may be landlords insurance if you go that way to protect contents and loss of rent.</p>
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				<title>yarpos replied to the topic Guaranteed Sale Price? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393938-guaranteed-sale-price/#post-4591466</link>
				<pubDate>Mon, 04 Aug 2008 03:59:37 +0000</pubDate>

									<content:encoded><![CDATA[<p>gee thats a nice web site&#8230;.good luck with it</p>
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				<title>yarpos replied to the topic Best advice : Don't invest into property : The australian market is CRASHING.  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/24/#post-4587200</link>
				<pubDate>Sun, 03 Aug 2008 10:32:02 +0000</pubDate>

									<content:encoded><![CDATA[<p>jack04 wrote:<br />
I&#039;m one at a loss as to where the property market is heading wages have certainly not kept in line with the increase in property prices, add in petrol and general living expenses. Now we have interest rates at the highest in years, and even if the Reserve Bank start dropping official rates will or can the Banks with funding costs&hellip;<span class="activity-read-more" id="activity-read-more-260023"><a href="https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/24/#post-4587200" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Best advice : Don't invest into property : The australian market is CRASHING.  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/24/#post-4587191</link>
				<pubDate>Sun, 03 Aug 2008 06:39:34 +0000</pubDate>

									<content:encoded><![CDATA[<p>mmmmm your probably right,  the end is nigh, we probably wont survivere your questions:1. you can use paid for services to get this information,  but you may get some idea of sale prices via <a href="http://www.domain.com.au/public/apm/saleshistory/default.aspx?mode=research" rel="nofollow">http://www.domain.com.au/public/apm/saleshistory/default.aspx?mode=research</a>2. conventional wisdom was that roughly 1/3 is owned, 1/3 under finance and 1/3 be&hellip;<span class="activity-read-more" id="activity-read-more-260014"><a href="https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/24/#post-4587191" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Interest Rates Will Fall in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/#post-4591239</link>
				<pubDate>Sun, 03 Aug 2008 01:30:36 +0000</pubDate>

									<content:encoded><![CDATA[<p>well share your research with us scamp where do you get your numbers from?within 500 meters of my house there are 3 empty houses &#8230; the are being developed into multi unit sites.   There are many reasons a place may be empty.In another thread you said that sellers are moving out and renting there places while trying to sell,  now you say the&hellip;<span class="activity-read-more" id="activity-read-more-205665"><a href="https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/#post-4591239" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic A lesson in tennants and property managers...... in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393929-a-lesson-in-tennants-and-property-managers/#post-4591375</link>
				<pubDate>Sat, 02 Aug 2008 21:11:27 +0000</pubDate>

									<content:encoded><![CDATA[<p>BanjoSmyth wrote:<br />
Another positive post from Scamp <img src="/wp-content/uploads/smileys/blush.gif?x75824" alt="" width="15" height="15" />You should definitely get another agent!!! Don&#039;t mess around &#8211; Especially because you aren&#039;t close by to the properties!Cheers Banjo Smyth</p>
<p>you would think he could stick to appropriate threads wouldnt you?  the guy asks a very specific question and he gets the scamp company line &#8230;..  its g&hellip;<span class="activity-read-more" id="activity-read-more-101700"><a href="https://www.propertyinvesting.com/topic/4393929-a-lesson-in-tennants-and-property-managers/#post-4591375" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic A lesson in tennants and property managers...... in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393929-a-lesson-in-tennants-and-property-managers/#post-4591371</link>
				<pubDate>Sat, 02 Aug 2008 11:18:27 +0000</pubDate>

									<content:encoded><![CDATA[<p>they arent doing much of anything (or at least anything that takes any effort) that you pay them for ,  why would you consider keeping them?   I&#039;d be looking for recommendations and moving on.</p>
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				<title>yarpos replied to the topic Best advice : Don't invest into property : The australian market is CRASHING.  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/23/#post-4587189</link>
				<pubDate>Sat, 02 Aug 2008 07:08:12 +0000</pubDate>

									<content:encoded><![CDATA[<p>emu1208 wrote:<br />
I just sold one of my investment property within two months and made a good profit.  I have another property for rent and I thought of selling it at the end of the year. ( it will be 12 months then) I borrow 60% of the purchase price, with all the price falling I am safe to keep this property??? I need to wait 12 months so I wont&hellip;<span class="activity-read-more" id="activity-read-more-9040"><a href="https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/23/#post-4587189" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Property in OZ and living in NZ in the forum Overseas Deals</title>
				<link>https://www.propertyinvesting.com/topic/4393902-property-in-oz-and-living-in-nz/#post-4591192</link>
				<pubDate>Thu, 31 Jul 2008 21:31:35 +0000</pubDate>

									<content:encoded><![CDATA[<p>No experience with NZI lived away in Europe for a while and it was the worst of both worlds.   Income in Oz (rent) was basically taxable at the witholding rate, mid range rate.   Property held in Oz was counted in my total &quot;fortune&quot; as they called it in my host country and I got taxed on that (thankfully paid by my employer).   I expect NZ will&hellip;<span class="activity-read-more" id="activity-read-more-274805"><a href="https://www.propertyinvesting.com/topic/4393902-property-in-oz-and-living-in-nz/#post-4591192" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Best advice : Don't invest into property : The australian market is CRASHING.  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/23/#post-4587184</link>
				<pubDate>Thu, 31 Jul 2008 21:25:47 +0000</pubDate>

									<content:encoded><![CDATA[<p>Scamp wrote:<br />
asdf : Like I explained already : Rents are heading down, not up. Houses can&#039;t sell&#8230;.. sellers think.. oh my god I can&#039;t sell.. might as well rent it out while I try and sell&#8230; more rentals up at discounted prices&#8230; oh.. wait&#8230; rent is heading south. Quite easily predictable. You can ignore it, but that won&#039;t make it&hellip;<span class="activity-read-more" id="activity-read-more-9035"><a href="https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/23/#post-4587184" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Interest Rates Will Fall in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/#post-4591223</link>
				<pubDate>Thu, 31 Jul 2008 21:17:17 +0000</pubDate>

									<content:encoded><![CDATA[<p>Scamp wrote:<br />
Interest rates won&#039;t fall&#8230; It&#039;s a hoax, just like all the spruiker stuff the real estate agents post. Even *IF* RBA lowers interest, the banks will keep rising them anyway, so the situation will only get worse if the RBA drops interest rates. Have a look in USA. 2% interest rates.. lol.. and we all know how much THAT helped them&hellip;<span class="activity-read-more" id="activity-read-more-205650"><a href="https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/#post-4591223" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Interest Rates Will Fall in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/#post-4591222</link>
				<pubDate>Thu, 31 Jul 2008 21:06:55 +0000</pubDate>

									<content:encoded><![CDATA[<p>there have been a few reports now that the RBA may start to consider the downside,  each lobby group raises the prospect as their area suffers&#8230;housing starts, retail sales etc.    It will probably happen but the reaction of the banks will be interesting when it does.</p>
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				<title>yarpos replied to the topic Evaporative Cooling in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393899-evaporative-cooling/#post-4591181</link>
				<pubDate>Wed, 30 Jul 2008 20:59:47 +0000</pubDate>

									<content:encoded><![CDATA[<p>The only problem I had with evaporative cooling was initially my ignorance on how it works.  We were closing up the house as you would with aircon,  which was exactly wrong.  You need to crack open a few windows to maintain airflow and stop humidity rising.   Brands I dont know as we dont have it anymore.The renos would add attractiveness or sale&hellip;<span class="activity-read-more" id="activity-read-more-38280"><a href="https://www.propertyinvesting.com/topic/4393899-evaporative-cooling/#post-4591181" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Best advice : Don't invest into property : The australian market is CRASHING.  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/22/#post-4587170</link>
				<pubDate>Wed, 30 Jul 2008 05:54:51 +0000</pubDate>

									<content:encoded><![CDATA[<p>I love the way he (Smith) talks about being critical of them for &quot;not recognising the signs&quot;&#8230;what the hell has he been doing?  he and his direct team are hardly a bunch of clueless 20 somethings who made money because they were in a boom rather than having any special knowledge or skills.   They are supposed to guide the operational and st&hellip;<span class="activity-read-more" id="activity-read-more-264700"><a href="https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/22/#post-4587170" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Is 50% ROI really obtainable in this market? in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4393890-is-50-roi-really-obtainable-in-this-market/#post-4591155</link>
				<pubDate>Wed, 30 Jul 2008 03:15:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>looks interesting, but convoluted,  its not clear to me when you would actually see your money.  Sounds like it would come back in dribs and drabs and of course there is no gurantee they would be effective in selling the shares&#8230;..I would be wondering that if the return is so great and the development fairly small ,  why would they even ad&hellip;<span class="activity-read-more" id="activity-read-more-219161"><a href="https://www.propertyinvesting.com/topic/4393890-is-50-roi-really-obtainable-in-this-market/#post-4591155" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Best advice : Don't invest into property : The australian market is CRASHING.  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/22/#post-4587163</link>
				<pubDate>Tue, 29 Jul 2008 08:38:18 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi MisterYou paint a fairly bleak picture.  Where do you think its substantially better than here?  we live in a western commercially oriented democracy,  so greed or the profit motive is a big part of that.Re your question yes I want my kids to have a life and my 20 somethings are buying homes and getting on with life in their own way (one wi&hellip;<span class="activity-read-more" id="activity-read-more-264693"><a href="https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/22/#post-4587163" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic vacant land vs house/unit  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393883-vacant-land-vs-houseunit/#post-4591114</link>
				<pubDate>Tue, 29 Jul 2008 08:17:09 +0000</pubDate>

									<content:encoded><![CDATA[<p>truisms re land appreciating and buildings depreciating dont really mean much,  the focus (I think) should be on location.   You really cant have a meaningful conversation about land vs house/unit without the context of specific deals.   In general terms residential land will have holding costs with no compensating revenue,  so the end sale price&hellip;<span class="activity-read-more" id="activity-read-more-14705"><a href="https://www.propertyinvesting.com/topic/4393883-vacant-land-vs-houseunit/#post-4591114" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Question about tax return with property. in the forum Legal &#38; Accounting</title>
				<link>https://www.propertyinvesting.com/topic/4393866-question-about-tax-return-with-property/#post-4591067</link>
				<pubDate>Mon, 28 Jul 2008 01:35:49 +0000</pubDate>

									<content:encoded><![CDATA[<p>in general terms,  add up all your deductible costs and depreciation, subtract your rental income ,  balance if your nett loss .  Reduce your general income by the amount of the nett loss,  recalculate tax on the reduced income.  Roughly the amount of tax you should gain is the difference between the two tax numbers&#8230;&#8230;.this is assuming you have&hellip;<span class="activity-read-more" id="activity-read-more-117823"><a href="https://www.propertyinvesting.com/topic/4393866-question-about-tax-return-with-property/#post-4591067" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Best advice : Don't invest into property : The australian market is CRASHING.  in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/22/#post-4587157</link>
				<pubDate>Sun, 27 Jul 2008 21:41:47 +0000</pubDate>

									<content:encoded><![CDATA[<p>bias is shown here in both directions, +ve and -ve,  there are some here that preach gloom and doom and seem to rejoice in that and the pain of others&#8230;&#8230;.like the &quot;enjoy&quot; comment when posting a -ve article.   Its easy to do a search on posts by individuals,  when you do that its fairly easy to see who is trying to help others and who is trol&hellip;<span class="activity-read-more" id="activity-read-more-264688"><a href="https://www.propertyinvesting.com/topic/4393180-best-advice-dont-invest-into-property-the-australian-market-is-crashing/page/22/#post-4587157" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic To Sell Or Not To Sell? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393864-to-sell-or-not-to-sell-17/#post-4591051</link>
				<pubDate>Sun, 27 Jul 2008 21:23:14 +0000</pubDate>

									<content:encoded><![CDATA[<p>if you objective in investing was to accelerate paying out your PPOR then it sounds like a good plan.  The  -ve is getting rid of a property just as it goes +ve cash flow.  That should be a long term income stream and appreciating asset for you.     Really I would be more concerned about the 2nd property and the overhang it creates in your who&hellip;<span class="activity-read-more" id="activity-read-more-272768"><a href="https://www.propertyinvesting.com/topic/4393864-to-sell-or-not-to-sell-17/#post-4591051" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic is this a good investment plan in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393852-is-this-a-good-investment-plan-2/#post-4590989</link>
				<pubDate>Sat, 26 Jul 2008 05:21:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hireally there is insufficient info provided for people to make a sensible comment.  Some of what you have said is confusing&#8230;.you owe 100k on a 225k property but can only take 50k out?  is there some reason you can take it up to 80% or has the value dropped.    Plan sounds nice in theory but without knowing costs and borrowings who knows if its&hellip;<span class="activity-read-more" id="activity-read-more-275419"><a href="https://www.propertyinvesting.com/topic/4393852-is-this-a-good-investment-plan-2/#post-4590989" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic 1 Rental Property on Separate Leases in the forum Be careful that you have</title>
				<link>https://www.propertyinvesting.com/topic/4393847-1-rental-property-on-separate-leases/#post-4590981</link>
				<pubDate>Fri, 25 Jul 2008 21:56:57 +0000</pubDate>

									<content:encoded><![CDATA[<p>Be careful that you have insurance cover that matches the arrangement you propose.  I beleive that you can split the lease as you propose ,  but I also found out that some insurance companies are particular about having all parties on one lease and a minimum lease period.   I am guessing they would want a higher premium for the arrangement you pro&hellip;<span class="activity-read-more" id="activity-read-more-193612"><a href="https://www.propertyinvesting.com/topic/4393847-1-rental-property-on-separate-leases/#post-4590981" rel="nofollow">[Read more]</a></span></p>
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				<title>yarpos replied to the topic Rental issue - Getting very anxious! :( in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393833-rental-issue-getting-very-anxious/#post-4590905</link>
				<pubDate>Fri, 25 Jul 2008 21:51:08 +0000</pubDate>

									<content:encoded><![CDATA[<p>jeeez&#8230;&#8230;.I am probably just being harsh but you dont need advice desperately and there is no reason to be anxious&#8230;.you are just dissapointed that you cant eek the last drop out of a free rent arrangement.   Good luck to you if you can but if not just get on with it and your renos will come a little bit later,  its not a drama.</p>
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