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Also in Ingham you have to be careful you are not buying a place in a flood prone area (which is a lot of places). Not even sure abou tthe beaches near Ingham. Perhaps a holiday home there would be nice. Though prices have gone up a lot there recently. And yes Ingham is relying on only sugar...

Hmmm... I would vote for the internal laundry.. and I have a small child. If it is only a 2 bedroom unit most likely a family would only fit 1 child, maybe 2 kids into it. And then kids can have showers (well mine does anyway) since she was about 2 years old. Perhaps you can install in the...

You guys should read this site. http://www.oxygenmag.net/showthread.php?t=6255 I know it says it is for women, but women and blokes work out the same anyway. And it has some good info on it. You should read the forums, post if you want but I would recommend reading the stickies first...

Tee- hee It seems that these x-colls probably weren't really 'mistakes'. It appears its no secret the majors prefer x-coll and I'm just wondering how many unsuspecting folk miss this and get stuck. Just make sure you don't spend your 10 bucks all in one place. Ciao Dave

I have heard there is a way to get credited/refunded for LMI already paid if a refinance is done. I was wondering if anyone new some more details on the rules.... or is it not as simple as that. Ta Dave

I'm currently trying to tidy up my finances. Currently I have 4 IP all sitting below the 80% LVR mark. I've been offered a package by NAB which I'm told separates the loans into four and includes a separate LOC section for $50k (this brings me to the 80%). I am constantly assured I have no...

Thanks to all for your input it's greatly appreciated. I had heard/read that it can often be a painful experience adding current properties into a trust. For this reason, I'm probably best talking to my solicitor and looking at adding future properties into trust arrangements. The Hybrid...

I've built up a portfolio of 4 IPs recently and I'm a little concerned and even more confused regarding whether they are safe from litigation or not and whether they are fully protected by a trust without effecting flexability. I have them all insured with public liability of the standard $10...

Dave I realise it won't help with the stamp duty problem, but regarding FHOG if the laws in NSW are the same as in Queensland, the Law says (from what I remember) To be eligible you have to live in the property for a period of at least six months in the first 12. So the property can be...

...specifically in Townsville. You know the good quality seminars. I see there are a lot of them going on in the capital cities but does anyone come up north and if so where would I find this kind of info from? Thanks sandra

Thank you peoples... your input and suggestions are most valuable! Sandra

or if not what is your dream trailer? We re in the market for a trailer, we would use it mainly for the purpose of renos. So we would need it to store tools, taking crap to the dump, gardening stuff, loading stuff on eg doors etc. We are after something bigger than the 6x4, with higer...

Congrats on number 4. We have just bought our 4th one too. What keeps us motivated is getting the API magazine and reading the testimonials. That is the only reason we are renewing our subscription. Also reading this forum keeps us keen. Sandra

We are putting in an offer on a house that has solid brick wall, outside and in. The oustide walls is rendered and the inner ones are like rendered but fairly smoth. On these walls is wallpaper. How would I go about removeng the wallpaper from these walls. I know on normal walls you would use a...