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There is also the interurban train from WoyWoy close by, so its probably closer to Sydney by train than by car, Pen

I have a relative who's just moved to Umina Beach. I was surprised at how undeveloped it is....kind of like The Entrance or Terrigal in the 70's. There are quite a number of houses with granny flats, where you could get good rental rtn as well as capital growth. Pen