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    An agreement is a contract and unless there is a clause in the lease allowing you to revise the rent you are stuck with it I would think.

    Pisces

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    Napoleon Hill makes interesting reading but the question remains ‘How many people are actually able to make themselves do the exercises ?

    If some people succeed it is because of a process over a long time.

    To make a change there and then ? Virtually impossible.

    75% of the population is overweight. Most are very aware that the main cause is that they either (or both) overeat or eat the wrong type of foods.

    Don’t tell me that they prefer to stay the way they are. No, it is because, despite knowing what to do, depite wishing they were taut, svelte and slim they are unable to.

    Their body, their habits, their
    brainwashed mind, won’t let them.

    So much for being in charge.

    Unless there is a more compelling reason (motivation) they cannot do it.

    Even people who damn well know that they are hastening their death still cannot change their habits to save their life.

    It is virtually as if they are programmed doomed robots who cannot think.

    If a drastic change does take place it is usually by accident not because they planned.

    Pisces

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    Having endeavoured for many years to ‘get to know’ myself better I can attest that it is a very hard task.

    Our emotions come into play so quickly that it is virtually an impossible task to make changes in one’s behaviour.

    I understand that one way to (eventually) bring a change about is not by trying to do so but by
    constantly observing oneself. ( a very big task to do as mostly people go though life in a constant dreamstate).
    (you may note that I ‘haven’t arrived as yet, haven’t become ‘Master’ of my life and body yet).

    Sometimes a big shock, a trauma, will automatically bring about changes in one’s behaviour.

    For example, my brother was pretty well a (weekend) alcoholic.

    One day he had a glass of beer in his hands as a message came that one of his sons had been killed in an accident.

    He hasn’t had a drop since. The taste, the smell makes him violently ill.

    So what Bill is talking about (our emotions control us
    and therefore we have to somehow establish control over our behaviour ourselves) is very much hypothetical, an intellectual exercise, an impossible task).

    Pisces

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    For heavens sake Richmond, I responded to Markpatric’s post in a rational manner.

    I am genuinely very interested in the subject and the last paragraph, which you Richmond has seen fit to partly delete, was included by me because I wanted to make it clear to Markpatric that I am not hounding him, sending him up, or criticising him (at least not in this thread).

    And here come you galloping along Richmond, displaying paranoia when it isn’t warranted. (Pisces, I’m not paranoid, just tired of your spats with markpatric, r)

    The twist you have given to my post by deleting part of the last paragraph, anyone would get the (wrong) impression that I have said something terrible when that isn’t the case at all. (For all who care, Pisces didn’t say anything terrible, but I felt it would start up a silly personal tit for tat, cheers r)

    The way you have handled the matter, Richmond, is very disturbing to me. (That doesn’t really worry me, I’m more concerned about the tone of overall discussion, cheers r)

    The very least you now can do to undo the damage is by at least deleting the whole paragraph so as to remove the false impression you are sowing about me with your opinion. (Pisces, I’m not trying to sow anything, but I’ll delete the whole paragraph if it worries you, cheers r)

    You can even go a step further and delete the whole of my post (or all of my posts for all I care). (Why would I do that? I find most of your posts interesting, except for the ones where you appear to get personal, cheers r)

    Pisces

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    >>Maybe you could add to that “or to make others feel better or avoid pain<<

    A very good case indeed can be made out for the fact that an altruistic person (i.e. someone who appears to display unselfish concern for the welfare of others) ultimately is acting in the way he is acting because it makes him feel good.

    So, in effect he is doing it for himself.

    Now one can argue this point until one is black and blue in the face but all of that is verbiage which doesn’t mean a thing, doesn’t p-r-o-v-e anything.

    One’s opinion is just that, one’s opinion, perhaps right, perhaps wrong.

    The only way to determine whether what Bill said is correct is to start observing one’s action (a rather long and difficult task).

    BTW, Bill said something very significant there which in essence is a model which can be used to explain, to understand one’s behaviour.

    *** deleted *** (Pisces, give it a rest, it’s getting boring – mods)

    Pisces

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    >>Yep tell me about it, been there done that.
    Then tell me they do it over xmas, when there is no rentals to be had.<<

    It may have been your lucky day that this happened as this very happening may have awakened your interest in real estate !!! [;)]

    PIsces

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    I know that one cannot afford not to have some emergency assets accesible in times of disaster.

    Disaster ?

    Well, here are several likely or unlikely scenarios : the Indonesians may invade Australia, the Muslims may stage a take-over in this country, the Queenslanders may invade NSW, a drought may cause food shortages,
    problems elsewhere in the world may cause certain shortages here, an atomic disaster or a natural disaster like a tidal wave may cause a stampede to get out of the area, etc etc. [;)]

    Having some precious metal in the form of coins will enable one to buy a gun, a plane or a boat ticket, food, petrol, emergency accommodation etc. etc.

    On the other hand who has got the money to create such a disaster reserve fund ?

    If you nevertheless want to create such a reserve then realise that having assets in a passbook is no guarantee that they will be accessible in times of panic. (even apart from the prospects of fraud by the socalled trustees).

    Rather than having a gold passbook a better alternative would be to regularly buy some silver and gold coins. Forgetting for the moment the risk of one being robbed, one will at least have guaranteed access to one’s emergency funds.

    Pisces

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    I agree it is certainly not time to buy unless one knows what one is doing (being able to spot a bargain) AND one is capable to service the loan.

    Where that places +ve cashflow properties I don’t know.

    I guess people have to live somewhere so, provided one doesn’t go in on a shoestring (meaning ‘provided one has some spare cash as a back up), that area may well be the type to be active in.

    As far as wrapping is concerned, similar caution (i.e. having cash reserves) would probably not be out of place either.

    Perhaps being more careful (i.e. do not commit until one has found a buyer and has locked the buyer in) is the way to go.

    Pisces

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    I am not sticking up for the banks guys but the thought struck me : “If Credit Unions are so easy with their lending criteria doesn’t that place their money at a greater risk ?”

    In other words, is one’s money on deposit in a Credit Union at greater risk than it would be in a bank ?

    Pisces

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    Sorry Yodamarshall, I have learned my lesson.

    I am actually about to write an e-book myself.

    It is titled ‘Lender beware’ and it describes my personal experiences when in the past I lent books.

    In essence the main message is that when one lends someone a book one of two things are likely to happen :

    1. it will never be returned
    or
    2. it will be returned damaged with either dogears or with a lot of the text having been underlined and/or notes having been written in the margin.

    So, unfortunately I am not prepared to help you.

    Pisces

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    Yack, you said : “I reckon our system stinks. How many times have you as a buyer been shown a property that has nothing to do with what you wanted.”

    Often the buyers don’t have the foggiest idea what they are after until they have seen some properties.

    On the other hand don’t put it beyond the agent to show you some bad places before showing you the property which they think could interest you.

    Jusrt a technique to make the better property stand out.

    I do think it a little bit unfair though on the owner of the bad house.

    I guess it helps the agent in softening up the vendor.

    Pisces

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    Les, the author’s name is Robert G. Allen.

    The book may be out of print. he has however written a few more since then I think.

    This is what i saw on http://www.dymocks.com.au and http://www.amazon.com

    The Dymocks site :
    Multiple Streams of Income – $27.55
    Robert Allen
    This title offers simple and effective strategies for finding new sources of income – for life!. In “Multiple Streams of Income”, Robert Allen, aut…more
    ISBN: 0471218871 – PaperBack

    Multiple Streams of Income – $69.95
    Robert G. Allen
    Explains how readers can build a lifetime of unlimited, secure income, introducing ten rules of successful investment, the art o building a real-…more

    This is what I saw on the http://www.amazon.com site :
    Most popular results for nothing down:

    Nothing Down for the 90s by Robert G. Allen (Author) (Hardcover)
    Buy new: $16.45 Used & new from $10.99 Usually ships in 24 hours

    Creating Wealth : Retire in Ten Years Using Allen’s Seven Principles of Wealth! by Robert G. Allen (Author) (Paperback)
    Buy new: $11.20 Used & new from $8.93 Usually ships in 24 hours

    Multiple Streams of Income: How to Generate a Lifetime of Unlimited Wealth by Robert G. Allen (Author) (Paperback)
    Buy new: $11.87 Used & new from $11.59 Usually ships in 24 hours

    More results for nothing down:

    Flipping Properties: Generate Instant Cash Profits in Real Estate by Robert Dahlstrom (Author), William Bronchick (Author) (Paperback)
    Books: See all 109,598 items

    Buy new: $13.27 Used & new from $10.99 Usually ships in 24 hours

    • Excerpt from page 36 “… with creative of- fers and nothing down, pie-in-the-sky promises. This view does …”
    See more reference to nothing down in this book.

    Sponsored Links: What’s this?
    Robert Allen’s System — One Minute Millionaire Author’s Proven Residual Income System aff — http://www.whyresidualincome.com/cswanson

    Real Estate – No Credit — $1.5 Million worth – Zero Credit Checks. “So Simple it’s Scary”. aff — http://www.BuyWithNoCredit.com

    Nothing Down: How to Buy Real Estate With Little or No Money Down by Robert G. Allen
    Books: See all 109,598 items
    Used & new from $2.75 Usually ships within 1-2 business days.

    Nothing Down for the 2000s : Dynamic New Wealth Strategies in Real Estate by Robert G. Allen (Author) (Hardcover)
    Buy new: $17.50 Not yet released.

    How to Create Multiple Streams of Income Buying Homes in Nice Areas With Nothing Down by David Finkel, Peter S. Conti (Introduction)
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    Out of Print–Limited Availability

    Master guide to purchasing real estate with nothing down : over 50 ways to purchase real estate, including low down, no down, and even putting cash in your pocket at the close of escrow– plus many more wealth building ides by Surinder Lehga
    Used & new from $191.73 Usually ships within 1-2 business days.

    No Down Payment Formulas: Over One Hundred Ways to Buy Real Estate for Little or Nothing Down by Ed Beckley, Don Day Studios (Illustrator) (Hardcover – January 1986)
    Books: See all 109,598 items
    Used & new from $8.89 Usually ships within 1-2 business days.

    Nothing Down: Dynamic New Profit Strategies for Cash Flow and Appreciation in Real Estate by Robert G. Allen
    Books: See all 109,598 items
    Used & new from $4.95 Usually ships within 1-2 business days.

    Nothing Down? Nothing Doing! Real Estate Guide for First-Time Buyers by Alan Ray Hoxie (Paperback – September 2002)
    Books: See all 109,598 items
    Buy new: $12.95 Used & new from $11.50 Usually ships in 24 hours

    Nothing Down: How to Buy Real Estate With Little or No Money Down by Robert G. Allen
    Books: See all 109,598 items
    Used & new from $2.75 Usually ships within 1-2 business days.

    Nothing Down for the 2000s : Dynamic New Wealth Strategies in Real Estate by Robert G. Allen (Author) (Hardcover)
    Books: See all 109,598 items
    Buy new: $17.50 Not yet released.

    Nothing Down Payment Formulas: Over One Hundred Ways to Buy Real Estate for Little or Nothing Down by Ed Beckley, Don Day Studios (Illustrator) (Hardcover – January 1986)
    Books: See all 109,598 items
    Used & new from $8.89 Usually ships within 1-2 business days.

    Nothing Down: Dynamic New Profit Strategies for Cash Flow and Appreciation in Real Estate by Robert G. Allen

    Pisces

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    >>Lawson, again mid mts and a service town<<

    Lawson = Service centre ?

    Yes, but where are the shops ?

    Pisces

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    >> …………., a la Hydro Majestic (now a tourist rip off in my opinion)<<

    But have a look at the view Elves.

    Pisces

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    >>If you want you can live in Katoomba, now that is pretty out there! Maybe more affordable.<<

    Katoomba itself, a beautiful place but too many down and outs there. You go for a walk and you get accosted by someone looking for money.

    Apart from the above reference to down and outs I think, Kay, that you would rather like it there.

    Nearby suburbs are O.K. though, no people accosting you for money.

    Pisces

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    Monstango, can you tell us a bit more about your points 2 and 3 ?

    Thanks,

    Pisces

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    >>If you know the area that you want to invest (in) and (you are) ready to buy off the plan then the best place is to speak to the council town planner. By doing this you will know who is applying for development application and a block of how many unit.<<

    Yes, I guess the townplanner has got nothing better to do than answering questions like this. He will really welcome such questions. [;)]

    If one really is hell bent on knowing what properties will go up one can look at the council reports in the library to see the applications which are approved.

    One could send letters to all the applicants telling them that you are in the market to buy several units off the plan.

    Often the developer/builder needs to have some of the plan sales before he can get finance (and thence commence construction)

    The time to get in is then.

    Pisces

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    I could do with a transplant myself Wrappack so I guess I would say ‘yes’ and ‘yes’ to your two questions.

    However I was responding to something else (ethics).

    Pisces

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    >>the rest of the country is still booming.<<

    You hope (as do I).

    The fact is however that the figures for the December quarter includes a period during which the interest rate hadn’t increased as yet.

    The January quarter will tell a different story.

    The public’s perception of the interest rate increases (with the great assistance of the ‘helpful’ and irresponsible newsrags and TV news services) have created an undue unreal expectation of substantial decreases in house prices.

    This indeed hasn’t occurred, not as yet anyway, though it has taken the fever out of the market.

    So overall, from the general public’s point of view that is, by and in itself, not a bad thing to have happened.

    Unless there is high inflation rate occurring ask yourself where the rates can finish up.

    It appears however that buyers have the perception that they now will be able to ‘steal’ a property by holding off on raising their hands at auctions.

    My view (and that is all it is) is that the market will toddle along until such time as sufficient people realise that there isn’t a large downturn and the demand will make it take off again.

    Pisces

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    Valiantwagon you said : “Before you make very childish and silly statements you might want to actually want to research the topic, you can do this my contacting various organ donation societies or the ethics committees of the hospitals that are involved in transplant medicine.”

    Talking about silly statements what about your suggestion to contact the above bodies ?

    They all have a vested interest to further the cause of organ donation so what kind of answer do you expect you will get ?

    I think it is called asking a Dorothy Dix question.

    In an ideal world everything would be above board.
    Unfortunately this isn’t an ideal world.

    I will just give a couple of examples which show what the real world is like :

    Do you know where many infections are picked up ?

    In hospitals, especially in the operating theatre, that is right.

    Will the hospital board generally admit to that ?

    Hardly. Sofar they find it impossible to deal with it. Often it is actually the surgeon and staff who transfer it from one hospital’s operating theatre to another.

    You don’t believe it ?

    Well, here is another story. A lady we know is a doctor as is her (now ex-)husband.
    The ex-husband is actually an aneasthetist as well as being an absolute alcoholic.

    When the wife pointed this out to her husband’s colleagues at the hospital they didn’t want to know despite the enormous risk they exposed themselves to of damaging their own career in the event something went wrong.

    I think it is called closing rank around one’s mate.

    So much for ethics as practiced by (some) doctors.

    Pisces

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