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  1. Andrew

    Zurich Life Term Insurance Plus

    Buy your insurance through your super if possible, gets paid for with 15% taxed money instead of your marginal rate. andy
  2. Andrew

    Life Insurance

    OAMPS have a chap in Kew that seemed very knowledgable when I last spoke to him, can't remember his name but he was their life insurance specialist. Can I suggest that anyone thinking of buying life insurance investigate the options provided to them by their super fund. Buying insurance...
  3. Andrew

    Peter Spann 1 Day Investor Update

    I'm investing in the Newton Multi Strategy - Capital Protected, it has the 100% lend plus capital protection similar to MEEIF. The reason that I'm not going with MEEIF is that through InvestSmart the commissions are rebated on the Multi Strategy fund. InvestSmart rebate the commissions on...
  4. Andrew

    To Trust or not to Trust

    Normally a discretionary trust deed is fairly broad in its definition of general beneficiaries. For instance, my trust deed specifieds, IIRC, any descendents of my or my spouse's grandparents. That covers just about anybody alive who we're related to. The benificiaries don't have to be alive...
  5. Andrew

    To Trust or not to Trust

    You can make distributions to minors, just don't exceed the limit (about $600) for unearned income. Any above this limit is taxed at punitive rates. andy
  6. Andrew

    Da Vinci Code- The Movie, the book, the theory

    and this Top 10 signs you're a fundamentalist christian andy
  7. Andrew

    Da Vinci Code- The Movie, the book, the theory

    For those of you who insist on taking the bible literally - Why can't I own a Canadian? andy
  8. Andrew

    2011 to 2013 - the coming world depression ?

    I saw the following in an invested post: The interviewee is Dennis Gartman. Seems pretty relevant to this discussion. I was at the Melbourne update and Peter's prediction of a coming depression was at least partly based on the unsustainability of US foreign debt. andy
  9. Andrew

    Derivex - interest free loans?

    This is gold! andy
  10. Andrew

    Peter Spann 1 Day Investor Update

    I haven't read the PDS yet so I really should do that before commenting but shouldn't the buy-write fund fee and the income timing fund fee only apply to 50% of the investment each? That should make the total charged look somewhat more attractive. andy
  11. Andrew

    Going the extra mile!

    7 habits is worth the time, I was just looking for my copy a few weeks ago because I planned to reread it. andy
  12. Andrew

    Going the extra mile!

    I just found this when browsing around Dale GG's website. Thanks Dale. andy
  13. Andrew

    Peter Spann 1 Day Investor Update

    Since the fund is not going to pay distributions until August 2007, does that mean we're going to have to pony up another year's interest in advance next year before seeing any return, or will they have a grace period until after the distribution is paid? andy
  14. Andrew

    Peter Spann 1 Day Investor Update

    At a bare minimum in their own risk assessment of the borrowers... andy
  15. Andrew

    capitalised interest and tax

    This has been discussed many times, try doing a search. The short answer is that many experts say you can deduct interest on capitalised interest. andy
  16. Andrew

    Lending to invest in shares?

    I think the confusion about deductability of capitalised interest stems from a recent court case (ATO vs Hart IIRC.) I'm not a lawyer so I won't even attempt to interpret what the outcome was but the case was about a scheme where an investment loan and a PPOR loan were linked so that the...
  17. Andrew

    How to get More Power out of Your Super Fund

    Firstly, I am not a lawyer. With that out of the way, my understanding is that a super fund cannot borrow money or invest in an asset with a claim against it (such as a mortgage.) I think these schemes rely on you having enough equity/cash to purchase the property outright, possibly using...
  18. Andrew

    SMSF - Do's and Dont's..

    Dale, do you have an opinion on this type of scheme? Seems to be pushing the envelope a bit. andy
  19. Andrew

    Short Term Rentals

    You could try something like this for key exchange. andy
  20. Andrew

    How to say goodbye

    Can you ask for vacant possession? That way somebody else gets to be the bad guy. andy
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