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    Why do we invest?

    Mike, it is good to see someone with the same dream :-) Regards V
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    60 Minutes, Immigration and IPs

    Not really! Think from an immigrants point of view. Why would someone immigrate to AU? The obvious answer is better life. One of the main dreams of immigrants is to own a home, mainly because they have not been able to do it in their native country. Another reason is to make money. If...
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    I heard it on the grape vine....

    It will be interesting to see if the product is similar to Macquarie's SFI (self funded investments). MQ structure can be used to release capital gain for other or same stock investment without getting burned by CGT. Do your own research, but if it is similar to that then that is nothing new...
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    buyer's remorse - should i invest in an IP or MF's?

    Nomadic, As MW and Rixter said do with your strategy. But remember not to swim against the current. :) Thx V
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    Investing money for our kids

    Hi, I have invested in physical gold for my kids. Currenly only my son has gold in the form of Perth Mint Gold certificate, and another lump sum is waiting for the newborn (July 06). I'm also considering SFI's (self funded investments) from Maquarie bank. Thx V
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    Navra & Spann Funds

    Back to diversification. Although I think that reasonable diversification can greatly reduce risk (as that is what its supposed to do), over diversification is actualy not optimal. That is why I dont invest in funds. I want my money more concentrated on the prize ( similar to what Acey is...
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    Qualities of Multi-Millionaire Property Investors

    Hi Dale, Welcome to the forum. There is one thing I have to add. Successful property investors are not only investing in property but in other investment categories. Property is great way to make wealth, but there are other ways to make as much if not more money. That being said, keep...
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    Why Sydney is more expensive than it should be

    Great article! It really puts light on how stupidly overvalued Sydney RE is and why it is that way. I fully agree that "when average income earners can’t afford average house, then the market is overvalued". It also paints a good picture of how dumb Sydney RE investment is AT THIS TIME...
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    ? for people with young kids

    Gold 18oz of Gold at birth (that is what 10K used to buy :) I'm in the camp of great education for my kids. I will not force them to study hard if they don’t want to though. I plan on taking my kids around the globe when they are old enough on a sail boat. Maybe for several years. Should...
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    Your home is not an Investment

    Michael I see your point and we are all aware of LOC's. My point was that even through LOC the PPOR is not an investment but a vehicle to invest. You owe interest on the LOC anyway, so the LOC itself becomes a liability. If you can get better return on the money invested from the LOC then the...
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    Your home is not an Investment

    Gee Piitt St, take it easy man, I did not say that I invented the wheel :) I haven’t written a book, so it must be from RK's book. I'll give you another one "An investment operation is one which, upon thorough analysis, promises safety of principal and satisfactory return" - Ben Graham...
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    Your home is not an Investment

    Well, I guess different points of view. That is why the CG part of the investment definition has the "SIGNIFICANT" wording. As none of the above mentioned collectables produce income (which I like much more then CG) and actually cost to keep/maintain, in my book they are liabilities, or as you...
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    Your home is not an Investment

    Very creative Seech, congrats... This is an example of how PPOR can be great vehicle for investment. Should you have hold for 30 years and just paid off the loan I'm sure it would not produce the income/cashflow/profit its doing for you now. Cheers V
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    Stepping over the edge

    With US (and OZ for that matter) printing paper with this speed, Gold will keep on appreciating. With prospects of war with Iran Gold is trending up. I'm looking into adding more physical Gold to my portfolio. Missed the 490$ drop few weeks ago :-( If you want more leverage then gold socks...
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    Your home is not an Investment

    Hi Corsa, I agree with you that PPOR experience CG and that one can borrow against it. I believe that the point of this post was to discuss the mindset in regards to expectations from IP's and PPOR's. In general as stated previously, an investment is producing income, or SIGNIFICANT...
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    Your home is not an Investment

    The PPOR is NOT an investment. Not only that it’s not an investment it is a LIABILITY. Why? 1. It does not produce income 2. There are not capital gains until you sell, in which case you are without a PPOR and will have to reinvest that or similar amount for new PPOR. 3. It takes money...
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    Is 10 years of your life worth $2M?

    Hi Keithj... I always enjoy your posts and agree pretty much with everything. As another option would be to pay off the best performing IP's completelly being debt free. Say you retain 1M worth of IP's fully paid off. They would be returning 6% which is 60K pa minis holding expenses. This...
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    200K cash, What would you do ?

    In my mind no debt is good debt unless it earns me money. Granted, PPOR debt is necessary due to lifestyle.
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    200K cash, What would you do ?

    Although I agree with you to some extent, Gold and Silver have totally two different attractions to the market. While Gold at the moment is seen as an anti-inflatory investment due to concerns with the stability of the US$, Gold has no other substantial use in the world. Silver is not seen as...
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    Which country

    Macedonia. I used to live there, my old folks still live there, good returns. Limited new developments and increased demand. A foreigner would need to rely on locals for market data. You need to know which areas are good and why. 7.5-9% yield, even more on commercial (12%+). Lots of money...
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