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  1. R

    End of an Era

    Thank you guys for providing the resource, and the community for it's expansion! Signing up now!
  2. R

    High Yielding Shares Again

    they'll sell it to wes and will convert them to bunnings!
  3. R

    Phones - land line/mobile

    i rarely use the landline on forms for home.. I have to look it up every time. I reckon i reference the landline at home say 2-3 times a year?
  4. R

    car park spot

    Driving into thw city where i live is actually 10min faster than public transport. My car does 6L/100km.. abd if u throwing in these minor variables.... Driving in the car allows me to play my music. Leave at my times. Fart abd no one to frown upon me.... More importantly... This car park...
  5. R

    car park spot

    Just doing some budgeting and realising im paying a shitload on public transport ever since opal card released. At the moment to get into work i catch a bus and a train. This is $3.50 & $4.50 each day costs me $16/day. I also drive to another office once per week and car parking public is...
  6. R

    borrow funds against your IP to invest in fully franked equities..

    I do this but via a margin loan. the LOC is my fail safe if I enter a margin call. but I choose to gear thru a ML, such that my home equity is not touched and have money at call to alleviate ML when margin call happens, or deposit for more property...
  7. R

    Have dropped rent by $35... ouch!

    I had something similar... Kogarah Sydney 2219 Aiming for $560. Signed lease for $515. Bad luck was an entire brand new complex went for lease same day as ours. Mine is only 6 months old but the others were brand new... Not sure what rent was obtained in the brand new units but I know...
  8. R

    Shift in asset classes with tightened lending

    I thought that too. But that would only curb us investors short term. Let's say for example prior to all these changes you could borrow another $2m. Now that lending restrictions are coming into play.. That $2m might only be $1m... Eventually u will use it up... Then what?
  9. R

    Shift in asset classes with tightened lending

    so far no. Just resi lending....
  10. R

    Shift in asset classes with tightened lending

    Guys, A thought just came to me as I was on somersoft. Noticed quite a few lenders now beginning to have stricter conditions on lending, as well as lenders restricting the aggresive standpoint of approving concessions lately... My goal from 2015 onwards was to build a share portfolio...
  11. R

    Next 6 months - How to Invest

    im a mixture of sharemarket/pay down debt. Goals: 1 - Currently have around $15k of non-ded debt to be repaid 2 - Building up share portfolio thru margin lending 3 - increasing LOC against three property 1 - wife and my salary, portion is sent to 0% interest rate credit card each pay 2 -...
  12. R

    3x1 IP in Como

    Should have taken the offer. #greed
  13. R

    Prepaying interest to increase expenses this FY

    not in sales anymore!
  14. R

    Prepaying interest to increase expenses this FY

    well my income was $30k higher in this FY, and moving forward for the next few years I cannot see my salary getting that much higher.... hence why i want to prepay some itnerest tooffset the higher income this year...
  15. R

    Prepaying interest to increase expenses this FY

    Guys, This FY I worked in a sales role and also had a couple investment properties under my belt. My bonus component was $30k and considering prepaying interest to help offset this. How do I get a rough guide on how much to prepay. My investment debt is around $1.6M but are spread out amongst a...
  16. R

    Making Money - Pay Tax early

    Hi Paul, Nice tip, gee thats not bad even at 4% compared to cash accounts with banks today!
  17. R

    Buying house in Kogarah or Carlton - south or any innerwest

    My property (unit) in Kogarah has been on lease for rent. started fof at $550. Had to drop twice and finally found a tenant 3 weeks later at $515/week. Bad timing for me as an entire block was all up for lease same week as mine. Obviously tenants prefer brand new as oppposed to 7 months old...
  18. R

    Market Cooldown?

    figures from rp data. I'll send u the screenshot!
  19. R

    Market Cooldown?

    Hi Guys, Havent been as active in the last couple months as the market was way too hot and I decided to sit on the sidelines. Currently I'm in the process of having the last of my portfolio valued through the bank to extract all equity in preparation for the next few years to purchase...
  20. R

    High Yielding Shares Again

    made around 12% on NST. bought eysterdya. sold today
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