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  1. Oynas

    Entitlement payable?

    I received a letter from a company claiming that there is an entitlement payable to me of $128.74 and for me to claim it I need to provide personal documents. I am worried about potential identify theft. How can I check if it is legit or not?
  2. Oynas

    Income protection insurance via super?

    My financial adviser is recommending to me that I ramp up my income protection insurance in my super fund. As superannuation is compulsory for everyone and I am sure that many people here have super funds that have income protection insurance inbuilt into it, I am wondering what level of...
  3. Oynas

    Why Must Banks Lift Rates in Line with RBA?

    Many people say that the banks must lift their variable mortgage rates in line with the RBA's cash rate. But why? The cash rate is the rate at which banks lend to each other overnight. The variable mortgage rate is the rate at which banks lend to those borrowing to buy homes. Home lending can...
  4. Oynas

    Why Don't Big Banks Invest in Real Estate?

    Real estate is the best investment ever. Interest rates now are around 6 per cent. You borrow 6 per cent from the bank. Real estate must go up greater than 6% otherwise investing in real estate would not be profitable. Let's say real estate goes up by 7 per cent and adding rental income you get...
  5. Oynas

    How to Stop Mouth Breathing

    Whenever I sleep, I breathe with my mouth open. I was told that this is not good for you. Apparently breathing through your mouth gives you a hunchback. Does anyone have any advice on how I can stop mouth breathing?
  6. Oynas

    How Can Savings Keep up with Property Prices?

    I am a young guy aspiring to buy an investment property and I am saving up for a deposit using term deposits and I am told that you need 10% for a deposit but the problem is that property prices keep going up and my savings cannot keep up. Keeping the money in term deposits is obviously not a...
  7. Oynas

    How Do I Become a Property Fund Manager?

    Many people I talk to say that they don't like it when their super fund invests in stocks because stocks are risky. They prefer to be invested in residential real estate because Australian property always goes up and is risk free. I know that it is possible to invest in residential real...
  8. Oynas

    Renting out Tents?

    Many people say that a house is a necessity, but I disagree. I think that a house is a luxury good because it is possible for a person to live in a tent. If this recession gets really deep and companies cut employee work hours in order to cut expenses, I am sure many workers will be forced to...
  9. Oynas

    Investing Based on Trust

    I have been watching a video about a Hollywood guy who is a victim of the Madoff pyramid scheme. He claims that the reason why he invested his money where he did was because he trusted the advisers and because his investments were where all the best, brightest, and richest people invested. This...
  10. Oynas

    Best Political Party for Property Investors?

    Which Australian political party is best for property investors. I am thinking that property investors as a group should vote for parties that help property investors, e.g. ones that support negative gearing, increase immigration, aim for high employment, try to lower interest rates, etc. Are...
  11. Oynas

    Rent and Buy IPs?

    I have done a search for this topic on this forum and couldn't find anything. I hear some people say that it is better to rent and then with the money you save from renting you have more to invest in properties. Is this true? I think that a great way to reduce the cost of accommodation...
  12. Oynas

    High Rise Suburbs in Australia

    I have read news that the Commonwealth government will focus on high-rise developments. Will this present a good investment opportunity? Are high-density accommodations historically good investments? Get ready: high-rise suburbs coming Author: Linton Besser and Wendy Frew Date: January 6...
  13. Oynas

    Buying Land in the Country

    I am thinking of buying land in the country and maybe renting it out to farmers. If I buy a house in the city (in Melbourne) I will have to save around $400,000. However, I can buy land in the country with as little as $40,000. Many people here say that investing in property is better than...
  14. Oynas

    Real Estate Technology?

    I have an economist friend who told me that investing in property is almost the same as investing in shares via a mutual fund. If you have a property that you rent, you own a business. Your business is simply to rent that property out to others. The main difference is that shares in the...
  15. Oynas

    Is Property Investing a Ponzi Scheme?

    I have been reading about Bernard Madoff and his Ponzi scheme, which ran for decades before anyone realized what was happening. Investors were lured by his high returns, but in fact he was just paying old investors with the money he received from new investors. Wikipedia's article on the...
  16. Oynas

    Buying a House with No Mortgage

    Hi, I live with my parents at the moment. They told me that I could live with them for as long as I wanted. Because of this, I can wait before I buy a home. I am thinking of waiting, saving up, and then buying a house outright with no mortgage. Is this a good idea? I like the idea of not...
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