Jason: Thank-you for responding. It helps to know that it is a common practise, that is working for you.
And ’emptyvessel’: Thank-you for your suggestions. I’ve been looking for the Terry Ryder article, but without success. Do you have a link? But I have come across his site, which I’m finding fascinating. I’m just out of high school, and have always put property in the “I’ll figure all that out later” category. But this researching is leaving me quite inspired. So thank-you for your recommendations, and I’ll definitely post any updates as I hear them. I’ve asked if I can go along to the next meeting, as a learning opportunity more than anything.

Rachael