Hi,I am in the same position as "Runinnniv". High income, Positive Geared IP .I pay interest and principle (just) on our IP with the rental income.  I feel that people catergorise cash flow properties is various ways  on this forum.   Can you elaborate on –  look for a cash-flow positive AFTER TAX property for your next one. This is where the pr…[Read more]

I have put the above posting out there and I have had no reply.  Is that because I have mentioned a banks name and specific information or is it because people don't feel confident giving their opinion on comparing 'fixed' and 'variable' interest rates?  Hope someone out there can help with this topic as I am really unsure.I have the option of c…[Read more]

Thank you so much for the above advice on "the order of dealing with debt".  I feel confident to work hard on paying off the non-deductible debts and open a offset A/C to put any extra income when it appears……………..Wanting the best of both worlds…………….!!!I still want to reinvest in another positive geared property.  We have th…[Read more]

Hi,I have been reading the forums and developing my financial understanding but I have various ideas that many people say its 'personal choice". Can anyone help me become more confident with my financial decision?I have 2 personal loans & a home loan (investment)one Personal loan will be paid off in a months time – YeahThe second personal loan has…[Read more]

 I would like you to talk me through '100% combined offset' that was spoken about earlier.  Dont understand this.