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    RBA issues rates warning.

    A lender be.
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    When to sell a Bad IP

    Graph reading: 1. Real household incomes have been increasing. 2. Real rents have increased more slowly than household incomes. 3. Real house prices have increased much more rapidly than household incomes. 4. Real construction costs have been increasing at close to the same rate as...
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    another 45 point rise from the banks coming?

    The RBA is a thermometer not a furnace.
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    Debt

    Yes. Whateverelse?
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    Debt

    Bad debt worse.
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    Debt

    No debt good debt.
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    Cash Flow Mortgage

    I suggest you answer by estimating the Net Present Value. Here is a simple example: http://www.meadinkent.co.uk/excel_npv.htm Be careful that you do not discount the initial (up front) investment. You want an NPV greater than nought and by a significant margin. With net yields very low...
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    How much debt is too much debt?

    Investable Income = (105,000 - 30,000) + (60,000 - 13,000) - 2 * 25, 000 = 72,000 Residence is dead money = not investable. Assets = 570,000, total yield = (3% + (1 - 22.5%) * 7%) * 570,000 = 8.43% * 570,000 = 48,000 Liabilities: 130,000, cost 9% * 130,000 = 11,700 Cost of...
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    $1.5m cash windfall and $150k yr/income

    If from $1,500,000, I'd suggest that expectations have not met reality yet. However, if from licensing, franchising and the like then capital need not apply, just apply intellect.
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    $1.5m cash windfall and $150k yr/income

    Right now, put $450,000 undeducted contribution and ($50,000 - 9% * $150,000) / year salary sacrifice in super? Invested most conservatively that on its own would be worth about $1,700,000 and generate at age 60 a pension of about $68,000 / year which is about $51,000 in today's money. That...
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    If property doubles in value every 7-10 years, do rents double approx every 10 years?

    $1M received 32 years from now is now worth $388,337 with inflation a constant 3%.
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    If property doubles in value every 7-10 years, do rents double approx every 10 years?

    Invest $100 / month from age 18 to 50, to go from $0 to $1M would require a 16.7% / year after all costs compound rate of return. Increasing contribution by 8% / year would require a 13.5% / year compound rate of return. Alternatively, $17,356 compounded at 13.5% would give $1M over 32 years.
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    If property doubles in value every 7-10 years, do rents double approx every 10 years?

    Your memory is shot. $50 / month would require a compound rate of return after all costs of 33% / year from age 18 to 40 from $0 to $1M. $50 / day would require a compound rate of return after all costs of 8% / year from age 18 to 40 from $0 to $1M. 4.5% / year if contribution grows 4.5%...
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    Un-leveraged Residential Property - A DUD Investment?

    You appear to be missing the concept of dividends: payments out of the funds being a separate accounting entity from interest, tax, rent etc. Excess income, being net income - dividend, can be reinvested in some types of fund such as cash deposits but not so easily with other funds such as...
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    Un-leveraged Residential Property - A DUD Investment?

    Even more of a DUD with debt. Totally dependant on future pie in the sky.
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    Bank says no!

    Might it be due to your debt being around 30 times your after tax after expenses income?
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    Read a very interesting article today about Interest Rates - thought I'd share it

    Millionaire make believe Was an invitation attached?
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    What ever happened to inspired conversation ...

    I think the original poster wanted to be inspired to borrow lotsa money. I prompt for expressions of inspiration beyond the pecuniary and am greeted by stunned mullet heads. The ordinariness of what passes for inspiration makes me want to puke. Please stun me.
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    Investment Property vs Alternative Investment Calculator

    Some like a flutter, some don't. Those who are more towards the don't end like to weigh the odds. The more to the don't end, the more they weigh to the limit of their intelligence. More information processed more intelligently allows the risks to be weighed more exactly - but the reduction in...
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    What ever happened to inspired conversation ...

    I have no personal opinion about BidWell, I merely repeated what the market and many SydneySiders have said - and which makes me think that opportunity waits the right person there. Yes, for me, I'm pretty sure that BidWell, and Sydney, compare unfavorably with camping in the bush on the...
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