this is all too overwhelming for a 19 year old
i might need to go to a few seminars before i even think of starting to buy

thanks guys i really appreciate it.
Thats a great help kuade.

Just with that question by marshy : the 11 second rule is a good one, but I am finding it does not apply to any properties – in my price range that are on the market (Wellington, NZ). I know the book is a few years old – I am just wondering if the formula has been updated to reflect the huge price/interest increases of the last few years?

Im asking myself the same question, does the formula apply to lower interest rates?

Thanks