Thanks for your comments, of course my goals are to get off the pension ,but in the mean time I need to feed the kids, Derek I really am looking for informed info, As the paperwork had just gone through on my first investment I thought a bit of feedback from you guys would be quicker than waiting 30 min on hold to centrelink which of course I plan to do in the next few days, I am still none the wiser ,but I will be soon, thought there might be someone out there in a similar position as myself , Thanks for your email Alistair I appreciated it.

Regards Neak