Hi Greg F[biggrin]

As far as I know Victoria is the only state to publish information in this form.
A link is provided to the other states here

http://www.land.vic.gov.au/land/lcnlc2.nsf/childdocs/-418EED712A81C5AE4A256A0A0015CDC1-26C8409B2467569D4A256A0A001DAC6F-6EA5AF126BB7E445CA256E5F001486F3?open

Each state operates independantly and…[Read more]

Hi All,[biggrin]

The most important part of my job is to know product and asset class risk factors ,and I am obliged by law to match risk in line with client profiles. I am in life an optimist and sometimes play the part of devils advocate solely to provide information so that balanced decisions can be made by my clients.
So will we start of…[Read more]

Hi Steve 3556[biggrin]

The book “a guide to property values 2003” is available it may be ordered online and costs $59.95 as a cd or $39.95 as a book.The link is

http://services.land.vic.gov.au/landchannel/content/guide

Regards
Bryce Inglis
Investment Advisor
Bryce8@optusnet.com.au

Replies on this site are intended as general information only,…[Read more]

Hi All,[biggrin]

To summarize so far.

It is important to realize the difference between a budget designed for wealth creation and one designed because of financial hardship.
Up to now I have concentrated my discussions on the idea of creating money for investing by the use of budgeting for increased cash flow, and using goal setting as the…[Read more]

Hi ausprop, [biggrin]

You have raised an interesting topic which is complex to answer, and it may vary from company to company.

All commissions including hidden commissions must now be declared prior to advice being given to a potential client and this is part of the Financial Services Guide (FSG).
The complaints procedures are also covered…[Read more]

Hi to all[biggrin]

I would like to address some issues raised by marc1.
How can anyone ask for advice from a financial adviser unless he wants to become a financial advisor himself is beyond me? Those that wish to discuss superannuation, estate planning setting up trust structures and syndicates, diversification of portfolio for risk reduction,…[Read more]

Hi to all[biggrin]

In the last post I said that it is not in the banks interest to inform their clients, indeed although they are governed by law regarding disclosure of fees .although at times we may feel them to be excessive, ridiculous or incomprehensible.
It is not what the banks tell you, but what they omit to tell you, and if you feel you…[Read more]

HI all,[biggrin]

“selling yourself for cash”
Hi sis, perhaps I could become a stripper and get people to pay me to put my clothes back on.[confused2]

you can build a residual income by going into network marketing.
Hi Marc1, I will be talking about network marketing but using a different slant on the subject. Also network marketing has bee…[Read more]

Hi all,[biggrin]

Another reason for goal setting is that by putting our goals in writing or cutting out a picture and sticking it in a scrapbook we are giving our subconscious mind an instruction, and in going about our lives making daily conscious decisions our subconscious is involved in the process to guide us toward a particular goal. We may…[Read more]

Hi derek[biggrin]

I preferred it prior to March when I didn’t have to use it and was a simple property advisor enjoying simpler discussions that wouldn’t land me in jail if I said the wrong thing I also miss discussions with the likes of crashy and billfromoz

Regards
Bryce Inglis
Investment Advisor
Bryce8@optusnet.com.au

Replies on this site…[Read more]

Hi to all[biggrin]

Thanks to all of you for replying. I was beginning to think I was writing a monolog or worse still something that is boring.

Hi all..have a look at http://www.simplesavings.com.au for way’s to save $
Thanks redwing. I especially liked their calendar idea.

But who in their right mind would use a financial planner
Would it surprise…[Read more]

Hi toAll and geo[biggrin]

Last time I touched on generating money by more cost effective shopping. Since then I have found an interesting forum which covers this effectively. The link is http://groups.msn.com/MoneySavingIdeas/messageboard
Cutting expenditure in this way can lead to a rise in living standards and can be done quickly. An important…[Read more]

Hi All[biggrin]

You don’t need goals to make money, you need goals to know how to maximise your money making abilities & to decide what to do with the money once you have it.

You need to goal set in order to be compliant with the FRSA prior to giving specific financial advice. Under the Act a financial planner must now know their clients goals,…[Read more]

Hi to All and geo,[biggrin]

In order to generate money you should start with the basics, first you start with a goal list. This provides incentive and will be the basis for your plan of action.
Next, start or review a budget which will indicate your available cash flow and determine if you need to change anything in order to create money for…[Read more]

Hi alfred_dreeb[biggrin]]

As the subject suggest I’m interested in inquiring about entitlements/laws governing international purchases of property with an Australian based entity/trust?

Using an Australian based trust may cause a problem in obtaining a mortgage for an overseas property. Lenders generally like to have local control over the…[Read more]

Hi yack,[]

But if my employer pays my rates for a property its subject to FBT surely

It could be viewed as being not subject to FBT, if it’s an integral part of the investment. As happens in the share market with companies and their costs

The problem must then be in whose name is the property and how does it get financed. Companies have t…[Read more]

Hi Yak,[]

Thanks for the feedback, Their are no FBT- fringe benefits tax on investments. This is normal and is used in conjunction with shares as part of salery packages

Regards

Bryce Inglis
http://www.ipal.com.au
brycei@ipal.com.au

Hi All[]

Just DavidC Posted – 25/02/2004 : 14:14:38

to clarify, a superfund should it wish to purchase property must buy it outright as the SIS laws do not allow a superfund to borrow money.

Should a superfund borrow money, then it would be a non complying fund and the assets in your superfund would be taxed at 47%. Very steep penalties.

Hi…[Read more]

Hi All[]

Just a few points to discuss,

anyones super fund been losing money in the last few years?
Returns from balanced funds during last year as managed by AMP-ANZ-AXA-BT-Colonial-IOOF-ING-JB Were-Macquarie-Merrill Lynch-MLC & Perpetual average out at minus 5.99%. The best performing was MLC at + 4.2% whilst the worst was AXA at…[Read more]

Hi All[]

One down and lots to go. It seems as if Dudley, the king of two tiered marketing scams has fled to New Zealand as things are hotting up for him on the Gold Coast.

Regards

Bryce Inglis
brycei@ipal.com.au
http://www.ipal.com.au