Total Members: 159,074

Hame

  • Hame replied to the topic CONFUSED!! Does this qualify as a +ve cash flow? in the forum Help Needed! 20 years, 5 months ago

    Hi all,

    Rental yield is a vital number no doubt, I also consider capital growth and tax benifits to be of equal weight in considering any property.
    Its almost an expanded formula that gives me a indication of a properties true worth.
    There is more to it than the 11sec rule in my experience, and ignoring a property on such a basic calculation…[Read more]

  • Hame replied to the topic so how much is enough in the forum Opinionated! 20 years, 9 months ago

    I am with kay henry, life is to short, money is our vechile thru life, service it regularly and your sure to have years of trouble free living.

  • Hame replied to the topic top towns in W.A. in the forum The Treasure Chest 21 years, 2 months ago

    Hi Vinny,

    Check out towns like Esperence as well. Properties above the 26 parrallel have up to four times the insurance premium due to cyclones etc.

    Hamish[;)]

  • Hame replied to the topic BEST HOME LOAN?? in the forum The Treasure Chest 21 years, 2 months ago

    Hi all,

    If you don’t already have a copy race down to your local newsagent and invest in the August edition of “Your Mortgage”.
    They have done the hard work and it is a useful point of reference, at least when you meet up with your broker you will know what your talking about.

    For $7.95 its worth the money[;)]

    Cheers
    Hamish

  • Hame replied to the topic An insight about investing (long) in the forum The Treasure Chest 21 years, 2 months ago

    Hi again,
    I guess i should just give the example of driving down the road and comming to a T section, you turn left believing it to be the road to take.That is what the book reckons. Problem is that you get down the road a bit it becomes a dead end. Now this is were our nature kicks in. We turn around and retrace our steps back to the T section…[Read more]

  • Hame replied to the topic Want to see what all my properties look like…??? in the forum The Treasure Chest 21 years, 2 months ago

    I guess the toilet is the long drop variety[;)]

  • Hame replied to the topic An insight about investing (long) in the forum The Treasure Chest 21 years, 2 months ago

    Hi all,

    Being a broadacre farmer(still) who has diversified into retail and other off farm investments as a direct result of commodity prices durig the 90’s i can see how easy nature can be compared with our material world.
    Humans as a group believe that we are a vastly superior race, but the longer i am involved in retail the stronger my…[Read more]

  • Hame replied to the topic Skeptics in the forum The Treasure Chest 21 years, 2 months ago

    Hi all,

    My old chestnut.
    “Knowledge can be defined as the realization that you have made the same mistake before.”

    You can make a mistake once and repeate it step for step at a different time and see the idea flourish. Often forces outside of our controll combine to drag us down or raise us up.

    Don’t be scared to get back on the horse, take on…[Read more]

  • Hame replied to the topic company trust fund or both??? in the forum No Subject 21 years, 2 months ago

    Hi all,
    I asked my accountant the same question last week, he stated that an individual trust was the best option in the initial period. He did however state that a company structured trust gives continuity in that individual trust accounts become untidy if and when the appointed benificeries either die or move on.

  • Hame replied to the topic Living with a high level of debt… in the forum The Treasure Chest 21 years, 2 months ago

    Hi all,
    Just a thought if the level of debt scares you as it does me put 100% of the rental income into the repayment for the first term of the loan. obviously it will restrict other investment options but it will get the principal down to a manageable level very quickly and help you sleep at night. once your level of debt is within your critera…[Read more]

  • Hame replied to the topic Steve on ABC radio last night in the forum The Treasure Chest 21 years, 2 months ago

    Hi all,

    Interesting that steve made the decision to sell his high end.

    I canremember reading in one of my books that there are only two reasons to sell any asset.
    Firstly you are offered an obscene amount of money to sell well over valuation and secondly when you urgently have to reduce some debt.

    I would rather be in the first position, steve…[Read more]

  • Hame replied to the topic young investor needs advice on stubborn tennant in the forum The Treasure Chest 21 years, 2 months ago

    Hi all,
    I agree with westan, is their room for two? I imagine if your freind showed up with all his gear, drum kit included she would consider her options. It is not about being unreasonable, offer a solution, but at the end of the day its his investment and if wants to invest in property this unfortunately wont be the last time he has issues with…[Read more]

  • Hame replied to the topic What the Bank said in the forum The Treasure Chest 21 years, 2 months ago

    Thanks for the response and sorry to be so vague.
    just some answers to your questions.

    To Micheal & Kaye:
    $95K does not include rents from properties, that is our salary only.
    $180K equity is only on our PPOR.
    I did tell the bank that i was borrowing on an IP,although at the time it was a -ve proposal.
    The bank did not even ask about rental…[Read more]

  • Hame replied to the topic Corporate Beneficiarys in Discretionary Trust in the forum No Subject 21 years, 2 months ago

    To true Rodc, ifyour not paying tax then you are not making any real time money.
    Its impossible to be an expert at every angle on property. Find your expert that you are completely happy with and reward their loyalty well.

    It worked for Sidney Kidman, Australias original property investor.[;)]

  • Hame replied to the topic Favourite Motivational Sayings… in the forum The Treasure Chest 21 years, 3 months ago

    Definition of KNOWLEDGE:
    Realising that you have made the same mistake before.[B)]
    and
    “If you spend too long looking in the rear vision mirror one day you will run off the road and hit a tree” early 21st century investor. [;)][;)]

  • Hame replied to the topic The book.. it’s now available! in the forum The Treasure Chest 21 years, 3 months ago

    Hi all
    Congradulations Steve on a very well written book.
    I missed your show unfortunately, however I am lucky to own an A&R store and watched as the 10 copies we ordered literally ran out the door.
    I grabbed the last copy and started reading as soon as I got home, finished the book around 3.30am, even followed your instruction to put the coffee…[Read more]

Hame

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