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  1. K

    Loans in relation to Hybrid Disc Trust

    If we have a Hybrid Discretionary Trust that we wish to apply negative gearing to, then obviously the units should be held by the highest income earner to get the greatest tax benefit. Correct? On the other hand, from the banks perspective they will probably require the husband/wife to...
  2. K

    Ongoing Fees for a Hybrid Disc Trust if it does *nothing*

    If you created a trust with the intent of not using it for a while (like when the right property comes along), what would the likely ongoing costs be whilst it was not doing anything? I realise this probably depends on the accountant's charging regime etc, but I'm just after a ballpark. I...
  3. K

    Who has followed Jan's advice "to the letter" ?

    The more I read these forums, and the more references I see people make to Jan Somer's book (and by definition her investing strategy), the more I feel the need to ask this question: Who on this forum has invested in property by following Jan's "recipe" to the letter (and how is it working...
  4. K

    Internal Rate of Return

    I was just "mucking around" with the Internal Rate of Return calculation with the contributions we have been making to our daughter's managed fund. I just thought about how the IRR calculation would apply to a property (as much for a mental challenge as anything). My understanding of the...
  5. K

    Good Carpet Retailers

    Does anyone care to suggest a good carpet retailer in Melbourne (Northern Suburbs preferably) who has a good selection and charges a reasonable price? I will start by looking at the big retailers (Carpet Call, Carpet Choice etc) to get acquainted with pricing but I'm interested to know if...
  6. K

    Property Crash Early 90's

    What was the impact of the early 90's property crash in % terms on median prices. Particularly for Melbourne. Was it really a crash, or more a flattening out? I've seen the figures somewhere, but can't find them.
  7. K

    Melbourne Train Zones

    [Begin Story] So, here I was, out cycling on Saturday 8am with my family (damn it was cold), ride from Fawkner to the Zoo and decide after 25kms I'd had enough (too sluggish - couldn't get warm) so we decide to catch train back home. Pick up a pamphlet on the Melbourne train fares after...
  8. K

    Craigieburn VIC

    There was a brochure in my mailbox advertising land for sale at Craigieburn, which is about 25km north of the Melbourne CBD. All the "conventional" wisdom and indicators would suggest this area will not have great capital growth (abundant supply of land surrounding the area, distance from the...
  9. K

    Is this a way to get your super money?

    This idea was prompted by a comment I just made in another thread. I think some discount super fund managers offer you the ability to get your entry fees in a fund rebated back to you. In some cases they rebate the fees back by cheque. I'm not sure if this is applicable to super funds...
  10. K

    PM for Woodridge/Carrara

    I'm enquiring on behalf of a friend as to whether anyone can recommend a good PM for these areas. Preferably one capable of covering both, but not essential. Thanks
  11. K

    Pentridge Village, Coburg, VIC

    I had what I might probably call the misfortune to take a drive into this area on the weekend. I was initially excited at the thought of wandering in and taking a "squiz", expecting to see a showcase, a paragon of wonderful home design, but that sooned turned to disappointment. But, my...
  12. K

    Shares Research

    Of the share people on this forum, can anyone recommend good sources of information for the following types of share information: P/E ratios. Dividend Times Cover Debt levels. Net Tangible Asset Backing 52-week Highs and Lows. Historical prices etc. etc. I was thinking of signing...
  13. K

    Tax Deductibility of Courses

    Seeing as I don't have an IP's as yet, it is obvious I am not earning any income from IPs. So on what basis does a property investment course (or any investment course, for that matter), become tax deductible? I would also like to ask the same question of books etc relating to investing that...
  14. K

    A question I was going to ask an REA ...

    Have been looking at houses for sale in my area. Called an agent today about one of them. Probably needs a revamped kitchen and possibly bathroom, even though I haven't inspected the place yet, but that's another story. The price seems about $20K-ish too high for me. Perhaps even more. It's...
  15. K

    Trusts, Trustees, Directors, Shareholders, Ownership of Assets

    Whew! This trusts stuff takes some effort to understand. I feel like I'm about, oh, 10% there. I apologise in advance because this is a long series of questions. I think I'm missing something. A trust can have an individual or corporate trustee. If it's an individual, it seems to usually...
  16. K

    Calculating "holding period" for CGT

    I'm curious to know what dates are deemed the starting date of possession of an IP and its disposal date? For example, starting date could be: 1. Date of offer on the property. 2. Date offer is accepted. 3. Date contract is signed by both parties. 4. Date contract goes unconditional...
  17. K

    Stamp Duty on Transfer-of-Title is a Purchase Cost?

    Just a clarification. ATO allows purchase costs associated with a property to be written off over 5 years. Does this include the usually large sum of stamp duty owing to Transfer-of-Title?
  18. K

    "Subscribe to this Forum"

    Can someone explain what that means, and what benefit it produces for me? Does it mean I'll get an email every time someone posts in the forum, or what?
  19. K

    GST on New Property & Private Investors

    I was wondering if one purchases a brand new property and has had to pay GST on the purchase, and that property is used for investment purposes, can any form of Input Tax Credit be claimed for the GST component?
  20. K

    How Should Fund Managers be Compensated?

    I know that at least some forumites have investments in managed funds as well as property. With the horrendous returns we have seen for the last couple of years (ie. -ve), it got me thinking about the fact that fund managers still continue to recoup their 2% (approx) management fee from you...
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