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Ah, that's clear now. Thanks. I didn't realise the trust was sitting in the middle there. Very nice. John.

Keith, Sorry to return to your original post with another basic question, but you mention that you draw down your margin loan to supplement the net $45K income from dividends etc. If you're drawing money from the loan for personal use doesn't this mean you can no longer claim the margin loan...

Ahh, thanks for that. Makes sense now.

Keith, I don't understand your comment about your taxable income being negative. I understand that the margin loan interest is claimed as an expense (even though it is capitalised). From your other posts I think you said your margin loan interest is between 7 and 8%. Even at 8% that's an...