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morning all my wife and i have owned our IP for about 4 years now, we built it actually, and it was finished around 4 years ago. we have a tenant currently on a 1 year contract and has told our agent she has just been made full time at her job and will break the contract soon as she wants to...

hi Riviera i dont mean to be a sticky beak... but can you give me a few of the details of the house? it must be pretty nice to be getting $500 a week cheers Ryan

is it possible to do this: once house is ready to rent, get it valued. then after the time limit you have set, just before you move in you get valued again. then the capital gain should be in writing for the time period. cheers Ryan

"that’s nearly 80% of the average wage after tax – leaving a whopping $164 a week to live off." i think one of the other assumptions the baby boomers have is getting married and doing it together. so if you simply double the monthly wage to create a household wage, your only looking at...

hey Corsa thanks for all the time and effort put into this post. great info. one question, with example. does it matter is the housing account and rental income account are the same account, and that account is offset to the PPOR? eg. PPOR offset account - ALL income is put into this...

thanks Pete and Rolf yeah i was thinking of catching up with you Pete. we met at one of the forum dinners last year. i have been a bit distant, and havent thought of checking when the next one is on to come along again. i know, pretty slack huh?! how many lenders have/use and IO loan...

hey All It is now time to refinance our PPOR and IP, and i wanted to pass this by you all to see if everything sounds ok (more like, see if i have missed something ;) ) part of our plan is to move out of the PPOR in about 2 years time and make that another IP. so the plan is the...

hi Rolf im generally pretty good with following the talk on borrowing structure. but that all seemed to be a bit quick for me. can you please explain that a bit more??? cheers R

but there is nothing to say that you cant slightly modify his program to suit yourself and your situation. maybe the first three props might be every 2 years. putting a certain amount away every mth, so that when it comes time to buy the next prop, you might have half in cash (saved) and the...

I like the look of the smartstone. does anyone have an idea of cost for it?

Hi Manny put me down for one place. it would be good to catch up with a few of you for dinner. cheers R

thanks for all the tips guys Scott, ill get that info to you soon..... i got a bit distracted with painting and other things cheers Ryan

Hi Manny, Scott, Jacque, did you have any problems with the finish looking streaky or have brush strokes? i am thinking of using something like this at home soon, on the kitchen tiles and the shower tiles. how does it handle being cleaned? cheers Ryan

"a small inclosure" you will probably find it is just a small box, with the bottom cut out. just being politically correct ;)

Hi Simon for me, when dealing with these kind of spreadsheets, i like to see what the actual numbers are. i think by letting the user put in the percentage, it may or may not show the correct position. everything seems to be there, to be able to calc this figure. so why not do it. instead...

Hi Simon yeah it does help, thanks. maybe as a thought..... the figure of unemployed funds should/could be calc'd from the unused portion of the LOC and the amount of available cash (E10). oh.... something about the forcaster with 5 positions.... in position 3, 4 and 5. the calc at B20...

Hi Simon i must be having a "stupid" day. or i might be thinking a bit too simply. what i have in mine is: $84K in avail equity in D10. im then using 85% of that in B18 to get $71K to use to buy the next place. the value is $300K in B24 and with the LRV of the new loan at 80% the value...

Hi Simon great spreadsheet. it does quite a few things that i like. i wanted to build my own that would do something similar to yours (eg. using LVR's and post reno values), but just never seemed to get around to doing it. a question for you..... cells E24 and E28 (employed funds), what...

Hi AC can you tell me any more on the foamy stuff? any net links? i have been thinking of something like this at my PPOR between the living room and bedroom cheers Ryan

i think that these hinges have to be on all small inclosed rooms now, by law, in new houses built. that was what i was told, when we built our first IP 2 years ago. cheer R