woah woah woah, all this card A, card B, card A did this and then Card B did that. Whats going on here. Im totally lost here, can someone explain the whole situation between these cards(that in my opinion want to murder each other).

less than 8 hours. That would be great. Though my idea is to search around and if i find some really good ones get valuations done on them by independents and if they are highly underpriced i will snatch em. It will take some searching but i’m not going to give up for anything, nothing can stop me now.

I would just like to add, since the 10th of august I have purchased 14books on investing(and finance stuff) and i have read 7 already. I got them all from ebay, great prices(lol, i got 100 bucks value for only $12, ooh yea). I’m like obsessed reading for hours and hours and canj’t get away from the book. Ive always had a bad attitude to books, i blame my teachers making me dam shakespeare, that reminds me i have to read hamlet very soon, dam.

I’d also like to add in, rich dad poor dad was the first one i read.
Love it and am planning to read it again soon.
Thanks.

Christopher.

hmm this sounds too much trouble with little benfits. Hmm, i htink i can spend my time doing much more(like educating myself in another way).

I get it now. But i dont get why you said that you pay interest on your CC from day one, there is a 55-no interest free thingy.
Also with that offset account, that is used to help calculate the loan, what if you fill that with money from the CC’s(with free days in em), and that will like lower your repayments.
Is this right??, or should i just do what you said elkam.

Christopher.

Oh woops. oh well doesnt matter, just a misunderstanding.

lol, it would be funny if i didnt know an i was in uni though.

Thank you alot for your quick and helpful reply Tizzy. Um, Well I am planning to buy my first IP when im 22. And she is saying that she wants to get married at 25 at the latest. So if all goes to plan, I can buy the IP at 22, then get married at 25, use the equity in my IP to get a deposit for my PPOR. Your very right with that statement you made about “He doesn’t love me enough to buy a home with me to live in”. She will say something along those lines.
What if she is just so stubborn. She is!, and so am I!!!.

Hmm, well thank you, i’ll leave it to rest for a while, i don’t want to attack her with it, it may make the situation worse. Hmm, i might lend her some of my investment books after the HSC.

BTW i have only jsut gotten into the investing in property thing this month. And i already have a collection of 13 books, 8 of which ive read already this month. I’m obsessed. yea i’ll lend her some and she what she thinks. Hmm, some she wont like as she hates numbers, whereas numbers are my friends.

Thanks.

Christopher.

Well personally I am planning to never sell, just buy, buy, buy.
And reap the rewards. Refinance is the word:).

Hmm, to be able to get the finance needed for this loan i would need this $8,000, so if I get HECS on my uni fees and not upfront(20%off), then I should be able to save quicker, as at the end of the year I am going to look for a more paying job that is flexible. And Um, yea that job will be an essential part as i will need it to show the bank I am earning (i hope)enough income to satisfy them.

Also in regards to the FHOG I dont think I will worry about living in there for 12months(or whatever) and renovate. I will just starting renting it out. As I will need to rent to help service the loan.
I’m so eager, I hate the HSC bring the property market along, i’m ready to tackle you head on.(when i get my monies in order).

Thanks everyone.

Christopher.