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Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
November 5, 2004 - 1:15 am
Originally posted by brahms:
hey k and r
had a quick look at your profile…
hate guitar, scuba = shark bait, poetry..mmmm
finance and property? i can help you!
lol brahms, can’t believe you hate guitar, scuba – well, not for everyone i guess, but poetry you just gotta love.
Anyway, Rita and I are actually just now organising to talk to a mortgage broker to see how much we’d be able to borrow. Any tips?
thanks
K&R
The only thing that limits us…is a limiting belief.
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
November 2, 2004 - 3:02 am
Kelbren wrote:
It looks like a scam to me. If I found 30k worth of pest damage I would be asking for a 30k reduction.
For me, this would be the loudest signal telling me it’s a scam. The most obvious. Knock the purchaser back without any remorse, you’ll find an honest buyer.
Karl and Rita.
The only thing that limits us…is a limiting belief.
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
July 13, 2004 - 8:18 am
lil_man,
These are the books I’ve read, and they’ve helped me a lot. I’ll put them in order of MY preference, buy everyone get something different from them.
1. Caught between two worlds – Scott Russell Hill
2. The Celestine Prophecy – James Redfield
3. Way of the Peaceful Warrior – Dan Millman
4. The Magic of Thinking Big – David Schwartz
5. I’m Not Really Here – Tim Allen (The Toolman)
6. The Path of Transformation – Shakti Gawain
I’ve read pleanty more, some very strange ones too, but I found these worked for me.
Just a personal thought, each of us is already a spiritual being, and some on the path wear their teachings like a new jacket to show off. Beware these people. Your journey is yours and yours alone and the map of your way is within, trust that, never an outside source. Listen to advice, but trust the wisdom of your heart.
Good luck
Karl
The only thing that limits us…is a limiting belief.
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
May 30, 2004 - 6:20 am
Hi everyone,
I’ve had a lot of problems in the past with virus’ and spyware/adware etc and now have gotten rid of it all (although ad/spy ware does keep trying to come back).
the programs I use are
1. Spybot Search and Destroy.
2. Ad-Aware
3. Spyware Blaster
Spyware Blaster runs silently in the background and stops ad/spy ware without you noticing, allowing you to do the tasks you want to do. I believe Norton Antivirus mistakes this program for a virus for some reason, I’m not sure – I use McAfee without any problems.
Also, there is a very good website with small but very good tools to protect your PC. the site is
[http://www.grc.com
This guy actually finds problems before microsoft does, and I use his programs myself.
Hope it helps.
Karl
p.s. Virus scanners remove a virus/worm/trojan only. They don’t remove spyware or Adware and vice versa. So just because your virus scanner doesn’t say it found these programs doesn’t mean you ain’t got ’em.
K
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
May 30, 2004 - 12:41 am
Jo,
He’s Dolf de Roos, one of Robert Kiyosaki’s advisors. He had a book out under the Rich Dad Advisor series called “Real Estate Riches”.
Great book.
Karl and Rita
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
May 29, 2004 - 11:44 pm
Derek,
It was done by our lender.[biggrin]
K&R
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
May 29, 2004 - 11:39 pm
People 4get that by saving just $3 a day & investing it sensibly
over a working life, you’ll end up with around $1 million
[/quote]
It’s the “investing it sensibly” part that buggers me lol.
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
May 29, 2004 - 11:23 pm
Kay Henry,
Yes the present value is $93K, but we have an independant valuation stating a value of $125K. I believe we would have to refinance to access this equity, yes?
K&R
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
May 29, 2004 - 2:42 am
Ezy,
Add 2% to the interest rate, or to the final result?
thanks
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
May 25, 2004 - 1:30 pm
Thanks Derek, things are a little more clearer now[thumbsupanim]
K&R
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
May 25, 2004 - 1:23 pm
Thanks Melbear, just one more thing…
Does the $26k become part of the investment loan or is it still part of the PPOR loan. What effect does it take as far as tax goes.
Thanks
Karl and Rita
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
May 17, 2004 - 9:42 am
Thanks heaps kay henry and jo,Greg and Marc your insight has been very helpful and the info you have given us has inspired us to keep going and not give up. much appreciated.
Karl and Rita
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
May 17, 2004 - 12:44 am
Hi guys,
just another quick question, would you buy a property unseen?? If so on what conditions would you??
Thanks
Karl and Rita
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
May 16, 2004 - 6:55 am
Thanks everyone for responding, the advice is great. I’ve read Steve’s book and Rita is about 1/2 way through.
Marc1 – the property is in QLD, and we’re thinking of offering $90k – maybe 85.
Kay Henry – thanks, good advice. Our comfort level is that we know that we’ll make mistakes and probably lose a fair bit of money at some time. That’s ok with us. We just want to get started but still do the right thing.
Gref F – I agree it would be a good learning experience, thanks. And we’ll definately keep looking.
And to everyone else, thank you.
Karl and Rita
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
May 16, 2004 - 1:33 am
Thanks monopoly, every piece of advice helps a lot. Thanks.
Karl and Rita.
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
October 28, 2003 - 8:36 am
Thanks guys,
Good point shanebal, also I forgot to add that we already have $20,000 deposit cash in bank. I just wanted to know if this was an ethical way to do things because we want to keep our integrity in our dealings.
Again, thanks
Karl and Rita
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
September 25, 2003 - 12:28 am
Wow
A lot of very good advice there, thanks everyone. I had to read through them twice just to remember what was posted [].
Sooshie, I agree with you. It can only be a fantasy unless action is taken (we all know that, don’t we). My fiance and I are buying our 1st home now and are looking forward to getting started. I just have one more question about financing.
I’ve read in a lot of the books I’ve got that you can STRUCTURE finance but can’t get my head around it (I’m just a casino games dealer, you know, money isn’t real []).
What works for investing? (as opposed to own home)
Cheers,
Karl
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
September 24, 2003 - 1:55 am
The book has PICS??!?[] Damn, I got ripped off.
FYI: Dolf if coming to OZ over Nov/Dec. If anyone is interested check out Pow Wow events.
http://www.powwowevents.com.au
Karl.
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
September 24, 2003 - 1:24 am
Hi guys,
I’d just like to add my 10c worth.[]
I agree with Battz71. I too got hooked on real estate investing after reading Dolf de Roos’s book “Real Estate Riches” which defines in my humble view the basic reason why real estate is better than shares.
So there…[]
Karl
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
Karl and Rita
Member
@karl-and-rita
Join Date: 2003
Post Count: 103
September 23, 2003 - 11:21 pm
Hey Allan,
I have no real advice here, but a word of inspiration.
Nobody ever really fails, they just stop trying. Your situation doesn’t define your possibilities, your minds beliefs do. NEVER give up (I know you won’t), and you’ll make it.
OK, that was like 12 words or something, but who’s counting.[]
Karl.
The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt