Investment market

Hi there everyone,

I am 27 but 28 in Feb 06 and I wish to get into the property market and eventually shares. Now up until 2 months ago I had never saved in my life but getting married last year and finishing uni, my views have taken a 380 on something’s including money loll. Now in the last 2 months I have saved a measly $2250 but it is a start for I save every forth nite at least $250 and with the wife starting saving as of next week we will be saving between us around $350 to $400 on a 2week basis, plus whatever sales I make on EBay also goes into my saving account (sold $750 worth of books in a 10 day sale). Now to make a long story short, last week I went brought a few books including Steve’s and I got a few ideas from it. Now although my savings are low, I have the advantage of living with my parents (28 married) and wife and younger sister) my parents house itself is worth around the $350k mark- they brought it for $70k back in the late 80’s cash. And I will be able to use their house as equity if I wish to do so. I don’t pay rent but all the bills I normally take care of. As dad is in Afghanistan trying to get our lands back from some warlord who has snatched it and mom is with us but this is their house and I wish to have one of my own, eventually but will like to buy a few for investment purposes before I ever move into one of my own. Now I earn around the $35 000 figure (poor me) and wife earns around $25k. Now with the house prices down I am thinking it’s a good time to buy but I am unsure of who to go to (banks –Lenders) and whether my loans will get approved. Any help would be appreciated.

Btw. We own quite a few properties back in the homeland 2. Just our snatched house is worth around $600k in Kabul city but that is another story
[baaa]