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Reply: 2.1.1 From: Kellie Dutton Peter Your strategy entirely depends on what you want to achieve, there are no right or wrong answers here. Cashflow is a wonderful thing, even in low cap gain areas, if the properties are always going to rent well it's a no brainer, buy it and forget about...

Reply: 1.1.1.1.1 From: Kellie Dutton TH I think a RE licence might be overkill, and I certainly don't think you need one in this situation but then don't quote me on that. You are acting in a capacity that could be construed in a number of ways, maybe consultant, maybe financial advisor...

Reply: 1 From: Kellie Dutton Hi Have never been involved in a mail order business but what you described sounds suspiciously like AMWAY Kellie [email protected]

Reply: 1.1.2.1 From: Kellie Dutton Lotana I'm with Rolf, most lenders will be happy to re-negotiate your loan at the end of the IO period. FYI most lenders are only doing 5 year IO then revert to P&I, that's just standard. If you are considering further investments in reality you won't...

Reply: 3.1.1 From: Kellie Dutton Hi Fixed rates are still considerably higher than variable, less so % wise than before the rate rise but still quite a bit higher. In the next 12 months (and this is personal opinion, not broker opinion) I don't believe variable rates will increase to the...

Reply: 1.1.1.1.1.1 From: Kellie Dutton Roger From the sounds of it you are not self employed or PAYG????? That being so, a LoDoc product will probably not be suitable for you. LoDoc products also usually come with a policy of great credit rating. Yes there are lenders who will do credit...

Reply: 4.1 From: Kellie Dutton I personally recommend just getting an insurance broker. One phone call and they find what you need. There are some I have dealt with personally and have been great, but they are in Sydney, happy to give anyone numbers if they want them but there are lots out...

Reply: 2.1 From: Kellie Dutton I don't think that a Westfield in Bondi is going to make much difference to values at all, it has good cap growth, has for a while and that's not likely to change in the near future, a shopping centre is not going to be the 'attraction' for Bondi, people want to...

Reply: 1 From: Kellie Dutton Jenny Not answering this for him but to give you a basic idea..... You do not pay double tax. The US has a tax treaty with us so basically you either pay tax in the US or here, still need to file returns in the US but if tax is paid there on income then you...

Reply: 1 From: Kellie Dutton Good thoughts M. I'll mention WB and Ruby, 2 of my favourite people on the chat (aside from you of course!) and certainly interesting characters!! Am sure they have some stories to tell. Sorry guys, didn't want to dump you in the deep end, feel free to tell me to...

Reply: 1 From: Kellie Dutton Hi Just wanted to clarify, are you buying some units within a block or buying the entire block?? How many are we talking about? Kellie [email protected]

Reply: 2.1.1.1.1 From: Kellie Dutton Owen you are right, most lenders calculate a repayment factor into servicability on the total credit card limit. Works to advantage though if you don't quite meet criteria with massive c/c limits, you can simply have them reduced and hey presto! they...

Reply: 1.1 From: Kellie Dutton Richey I think you need to make a decision straight up, are you prepared to put the work into selling it yourself, if you aren't then live with an agent. I don't think agents always work in your best interest, they have their comm. in mind and lets face it...

Reply: 1.1 From: Kellie Dutton Hi Glenn There are several lender with products I believe would suit you. I will email you some options. Kellie [email protected] 0413 925 943

Reply: 2.1 From: Kellie Dutton Have a look at Open Learning, they have a whole range of degrees and straight subjects you can do from a range of universities all over the country. Kellie [email protected]

Reply: 1.1.1 From: Kellie Dutton I am with Gail and Mark They are sure to figure it out at some stage. Consider if you could went out and purchased another property planning on taking 'advantage' of it, they find out when you want to draw it at settlement, you suddenly don't have finance...

Reply: 1.1 From: Kellie Dutton Dan I certainly can't give you the answer to what the common understood meaning of what due diligence is, other than to say I believe it means different things to different investors. Some spend weeks doing research on a proposed investment, others look at the...

Reply: 2.1 From: Kellie Dutton Anon If you are unsure of timing, ie worrying about getting in prior to end of financial year, I would recommend you speak to your accountant who can explain the tax implications properly. As far as process, this depends on what loan product you currently have...

US investing story (...continued) Reply: 3.1.1 From: Kellie Dutton Thanks Ross Can never have too many contacts in the alienating world of the US. Have you got any contact details for him? Ta Kellie

Reply: 1.1 From: Kellie Dutton Thanks Tony Thought crossed my mind a while ago to give it another go with a group of people but hadn't taken it any further. Worth more serious thought though. Ta Kellie