Bodged Council Valuation across the board

Bodged Council Valuations


[caption id="attachment_1780" align="alignleft" width="118" caption="Puzzled"][/caption]I was pleasantly surprised when the bank commissioned me to run over to the Council Offices and grab a current rates notice to include in a recent 'top up' equity cash loan application. Glancing over the valuation it was registered as $168k when it was purchased two months earlier for 72k. I would not have known this had the bank not asked. Then the next Saturday's local paper had a full front page article of Council valuation going haywire across the board.

Though a higher valuation is good it's not realistic. Myself and bank knew that! So i lodged a compliant to the Council whom called a week later saying that the land value alone was at least 80k and from a desk peeking at Google street view said "i can't see much of it" i replied, "yeah, that's because of the big hedge out the front, but it's a 2BR weatherboard house and lots of shedding and new double garage". On chatting to neighbors down the road they alluded to be willing to have paid 110k - 120k if they had known it was getting auctioned. I didn't even know that, i heard about the property after no-one had put there hand up at auction and submitted a simple short text maximum  offer 72k.

I suggested that it's probably more in the vicinity of 110k to 120k. The valuer verbally said over the phone, "how about we change it to 110k or 120k."... yep that be good!

That sent me into thought and then realized that two other properties owned by myself have had internal works done and the valuations are way under for these. Since Council does these only every two years and they currently taking complaints from bodged valuations. I think with a five minute visit to Council again and a five minute phone call and i could get on paper Council valuations that will add 100k over the three properties across the board.

I do not mind paying the higher rates provided the valuations are increased realistically with market movement where as most of those that are complaining will be home owners with one property in most cases even though some of them need to go down. As mentioned two of mine need to value up.

If banks bare the weight of Council valuation to determine my proposed livelihood then i want the best change to reach goals quicker with higher access to equity.

Have you double checked you Council valuations and "yes" Council valuation bare a weight on their decisions to borrow money contrary to the conception of some property investors. Particular in my case with one of the majors an a most recent application.

Planning ahead Property Options

Hi,
    I've been interested in property options for some time now and planning ahead to travel up to either N.S.W or Queensland on a leisurely road trip with no time limits. I'd like some input and help from someone with experience in the trenches doing property options on residential townhouse lots or units.

I've studied and understand the concept quiet well and also written up my own property option document and know how to crunch the numbers having crunched the numbers on hundreds of deals and developed my own feasibility calculators.

Though because it's still relatively new to me and having not actually done one for REAL i was wandering if i could appeal to the good nature of someone reading this site to help gain some more knowledge and or a mentor to guide me and oversee me into the feasibility and concept of taking out an option with the view to on-sell to the market.

I'd be looking at areas going ahead with development potential in large regional towns of residential townhouses and or units but not in large cities. Towns with populations of 30,000 or more.

Obviously i have learned much about the development process having put one Development Application through council myself and worked closely with my Draft person putting that through to completion and completed the project as well as a five townhouse development in process right now as a long term project.

I'm skilled at putting a team together also have a Sydney based solicitor (family member) that has a Real Estate License and doing conveyancing for both Victoria and N.S.W.

If you would like to help and possibly meet up or chat via email please send an email to daniel@forpropertyinvestors.com


P.S. I'm no spring chicken in the industry and I'm sure i will be able to offer you some kind of knowledge and or experience or some other arrangement that you will benefit from for a win/win outcome. Email to sort out an arrangement that I'm sure you will benefit from.

[caption id="attachment_401" align="aligncenter" width="200" caption="Daniel Cameron"][/caption]

Secret 2% NAB don't tell you

[caption id="attachment_1746" align="alignleft" width="76" caption="Interest"][/caption]You'll notice if you have a bank loan the bank will make sure you receive a letter and also a message in your online banking plus a note in your account once any rate increases. But they won't tell you that you can get an extra 2% on your savings.

This is a kept secret by the NAB bank that you need to ask about. I found out by chance but do it regularly now to get that extra 2% on any savings.

The bank will not tell you how to get a extra two percent unless you actually ask them yourself. It's a secret the banks don't openly advertise. But if you open a new account you will be rewarded with a four month introductory rate currently 6% with NAB once the four months runs out it automatically reverts to 4%. You will not receive a letter saying it's gone to 4% or that you could come in and change it so that you get 6% again.

Here's the secret - if you go in after the four months and ask them to close the account and open a new one. Bingo you will suddenly get the extra 2% again. Though this may be a pain every four months, money's money. It all adds up!

For five minutes to visit the bank you might make 100's or 1000's more in interest if your holding cash as deposits until your next buy.

Happy Banking

P.S. Subscribe to receive other tips like this as they come to hand!

House values 2008 - 2010

What's been happening with Australian house values? This article below is from my favorite Newsletter out of every property newsletter there is out there. I can tell you i have read many many many of them. This one also never try's to flog you any products.

This is interesting for this web site and myself because it overviews what has happened to property values in the last two years while i began investing 2008 when i was living in a car and fully homeless and began documenting in this web site with goals, videos etc.

See you get my best secrets here at FPI. Anyway the  source is from here. And the article below.

Australian home values changed little in the month of July, according to the RP Data-Rismark Hedonic Home Value Index.

The Index shows that Australia's capital city home values remained relatively flat in the month of July recording a modest, seasonally-adjusted increase of 0.4 per cent.

The July results follow a 1.0 per cent seasonally-adjusted decline in the month of June; the first negative movement in Australian capital city home values in 17 months.

RP Data's research director Tim Lawless said that the results are further evidence that Australia's housing market has experienced a controlled soft-landing after a resounding recovery during the course of 2009.

"In the period between end 2008 and March 2010, Australian home values rose by 16.3 per cent. Yet monthly growth rates have declined consistently since the start of the year. RP Data and Rismark expect to see the market track sideways over the second half of the year. There is the possibility of modest gains if mortgage rates remain in check and economic conditions continue to improve," he said.

The deceleration in capital growth rates is evident across the cheaper, middle and more expensive suburbs tracked by the `stratified' version of the RP Data-Rismark Hedonic Index.

This index shows that while the most expensive 20 per cent of suburbs realised the highest capital growth between end 2008 and March 2010, these same suburbs have suffered the largest falls in home values in the period since.

Mr Lawless remarked that the top-end of the market is showing higher volatility than lower priced markets.

"Home values in Australia's most expensive suburbs fell more in 2008, rebounded quickly in 2009, and are now tapering at a more rapid rate than cheaper property markets", he said.

"Home values in the most expensive 20 per cent of suburbs were down 2.0 per cent over the three months ending July 2010 compared with smaller declines of 0.4 per cent and 0.7 per cent in the cheapest 20 per cent and middle 60 per cent of the suburbs, respectively."

RP Data-Rismark's Rest of State Hedonic Index, which tracks the 40 per cent of all homes not situated in the capital cities, shows that regional markets have also experienced a synchronous slow-down with house values off -0.2 per cent since April 2010. In recent times, the Rest of State markets have underperformed the capital cities. For example, between end 2008 and July 2010 house values in the Rest of State areas rose by 8.5 per cent compared with much stronger 16.1 per cent growth in the value of detached houses located in the capital cities.

Christopher Joye, Managing Director of Rismark International, said that the data paints an encouraging picture.

"After falling from historically high 70-80 per cent levels, national auction clearance rates have now leveled at around the 60 per cent mark", Mr Joye said.

"While outstanding inventory levels have expanded in response to the weaker demand, they have recently settled.

"Looking forward, I would expect to see the major banks pushing housing credit growth a little harder as profitability gains dissipate", he predicts.

"An increase in credit growth back to reasonable single-digit rates will provide further support to the market in the next 12 months."

Mr Lawless agreed that substantial falls in Australian home values look very unlikely.

"The number of homes being advertised for sale across Australia is only 5 per cent higher than what we saw at the same time last year", he said.

"We aren't seeing a blow out in stock levels and properties are taking on average about 40 days to sell, which is only a little higher than recent experience.

"And while we have noticed an increase in vendor discounting, this is coming off the very low base we recorded during 2009," Mr Lawless concluded.

Time to turn into a Frog!

I remember sitting down at the Bundaberg library a number of years ago and then going back over a few days to complete reading a book Peter Spann wrote. It was there i vividly remember learning of the concept of "leap frogging" using one properties equity to purchase a next and so forth.

Yesterday i received a call from the bank manager saying my loan papers we're in the mail and would arrive to sign soon to draw down some equity from a new evaluation on the white country property i talked about in the last video that has had renovations done to it.

The leap-frogging theory came to mind and the realisation that, wow, I'm REALLY doing that strategy! I bit off more then i could chew in recent months and been chewing like hell. I have some trade accounts to pay down first and to employ some painters to get the third house up to scratch for a new tenant to be able to move in and install a new (second hand) kitchen.

But i will have some left over of the equity money so will soon be able to start shopping around for another property to purchase using that to go toward a deposit. Since i always use 20% as a deposit it's just a matter of finding a property suitable to purchase based on the other 80% percent to borrow and around 3% for closing costs. Stamp Duty, legal fees etc.

So that's the leap frogging effect. We'll since my girlfriends left me now maybe i did need to turn into a frog. Might have to go on that Farmer Wants a Wife next.

Stay tuned! I will get the camera out again soon and bring some footage of this house as it gets a basic make over in readiness for a tenant soon.

Mark Rolton Ultimate Success Summit

There has been some controversial posts on Massland in the past. Here is a lastest seminar video from Mark Rolton. Draw your own conclusions.

As described at YouTube: Mark Rolton speaking to an audience of over 5,000 people at the Ultimate Success Summit in Sydney. Mark shared the stage with Richard Branson and Anthony Robbins and is sharing the secrets of Property Options with a captive audience.

Jaffa goes to Hollywood

Some photos of a recent trip up North Australia. Sorry they are a bit self indulgent. But if wandering what this has to do with investing in residential properties. The time away revitalized me with a zest of energy to triple my investing once get down to earth again to complete renovations. The change was good medicine.

First things first though... I tracked wonder women down until she would let me take a shot. Then cat women turned up surprisingly... wow i was excited out of my skin, so happy. It was all happening! Marlin Monroe said "gosh... hello", they we're funny. No it's not Hollywood... only kidding, it was Movieworld on the Goldcoast Australia.

I had the most thrilling time i have had in my lifetime so far. All the day i walked around and at the end of the day didn't want to leave.

Had a drink in the Dirty Harry bar to start the day. Was a little nervy so downed one to settle the nerves.

Then so good to get all the cobwebs out of the mind going on all them exciting rides. I didn't get enough time on the first day by myself so i flew Nicole up on the next Saturday so we could enjoy some exciting times.

Lethal Weapon was madness but outstanding. So funny to watch all the people getting off the rides.

I took her to the movies. She enjoyed the four dimensionally screened Strep. Dragons sneeze on you and you feel the wet spray for REAL irk and the chair you're sitting in shakes. It's good value!

One of those rides scared the living hell out of me, truly, i walked out of their so accelerated i never experienced something so indescribable just felt so good. I got a hamburger from the John Wayne burger cafe and went on the John Wayne Valley ride up through the mountains. That's a nice journey!

I remember sitting on the bus on the way to the Sea Mist Palmbeach and thinking i was so tired and exhausted but it was such a mind blowing day.

My family settled on three houses this month

[caption id="attachment_1574" align="alignleft" width="300" caption="To my brother and sister"][/caption]Here's to my brother and sister.

We'll i don't know what it is but our family settled on three properties this month. We didn't plan it or anything and we each had different individual engenders. But it turned out all three of us bought one each. Mum said quote "that's unbelievable".

My oldest brother is in the process of settling on a property. My sister straight out bought and settled on a property. I am settling on a property near the end of this month.

It was like we all zero'd in on buying properties. It was exciting. I'm settling on a nice block. It's great to be back in town again and plenty of creative things to do on a great big private block.

I'm going to have a few chooks and a murray gray calf and do a few projects. This place only needs a cosmetic tidy up so looking forward to it being a little easier then the last three.

Lesson Learned on Licenses to Occupy

I learnt a lesson in my investing career in the recent weeks. I am in the process of purchasing a third property deal.

Before any contracts we're exchanged i request up front for a ‘license to occupy’. This happened really early while we we're in initial negotiations and chatting!

In general terms this means you can access the property to carry out minor repairs and or whatever is stated in the terms of the agreement. The agents reply was, “yep” that will be alright and that will be a clause that goes in the special conditions in the contract.

I took a special trip in to town for a pre organized appointment to meet the bank manager, to coincide with signing, who was traveling from over an hour away. I asked if it the contract was ready to sign and was told "yes". On sitting down to sign it i noticed there was no signatures on the section 32’s from the vendor and the contract is not signed. But wait hang on where is the special conditions clause to access the property?

The women at the desk says oh i don’t know. I mean you are only dealing with thousands of dollars but don’t know why a vendor hasn’t signed the contract. I was told the ‘license to occupy’ is going to be a separate form to sign and $110 dollar fee, but it’s ok… it’s going ahead.

So i had no contract i could take to the bank manager to set the mortgage application in further progress and another week until i could get another appointment with a flat out bank manager. After three more trips into town i got to see the ‘license to occupy’ and it only has permission to store things in the shed. Oh no hear we go! I explained that i could of been more clearer in my instructions and said i wanted to begin some minor repairs to the house as well. Agent said no, i said what’s the problem? Agent says vendor are scared i will damage the property.

The lawns haven’t been mowed and the place really seriously needs attention and they are saying they actually care about the property. Yeah, right lie to me another way because I’m not believing you yet! This is how people try to take the wheel on your investment activities. If you want to take the wheel make sure you know what direction your steering!

On asking the agent more about this i was told that there solicitor had instructed them not to insert a special conditions clause into the contract and then to only allow shed access. During all this i was making plans so that i could even buy the property and was short $3,000 because in this strategy i was to get income buy putting a tenant into a current project getting finished which also freed up mortgage repayments on that and then preparing this property for a tenant and getting those funds up front.

I asked for a 60 day settlement and by now it’s getting into a full month since and no license to occupy and i don’t know how I’m going to settle with short funds. I explain this to the agent and get sent to there solicitor and after a chat with a sensible fella and requesting from the vendor he said no worries this is alright to have a license to occupy for minor repairs but MUST do no structural work or knocking out walls.

I had to put a couple and a little baby out onto the street who wanted to rent and another fella. They’ve got somewhere but it’s caused problems right down the line. I asked for 90 days settlement for this but as usual people are so greedy and want money handed out to them a.s.a.p. They would only give 60 days, burnt 36 days mucking around and I’m down to 21 days with early access with an LTO. I asked them to pay me $2000 for it but i don't see them paying me!

The solicitor had no knowledge of my request for the license to occupy from the agent over the last month when I’d asked four times and made four separate trips into town to see the agent and not received any email or calls back from the agent. The solicitor also tells me that he had not been told about my requests for the license to occupy to carry out minor repairs to the building. Here is where it gets interesting, the solicitor advises me that next time and what i should have done this time was to include it in the contract as a special condition. Go figure!

OK, i’m writing this blog post to document my lesson learnt here with this. If getting a LTO the way to do it is to have MY legal eagle (solicitor) write a letter to the vendors solicitor and have them put it into the contract and agreed to up front with all the terms clearly requested to the vendor. If it means to make or break a deal then you really need this to happen. I was threatened that it was going to be enforced if i didn’t not have the funds to settle. DO NOT SIGN the contract until it’s all properly in place and structured.

I take responsibility for this mistake and the lesson is learnt. But in it all i did achieve my first LTO so that a bit of a thrill for me. On settlement day 28th June i am going to be flat broke.

Lesson Learned on Licenses to Occupy

I learnt a lesson in my investing career in the recent weeks. I am in the process of purchasing a third property deal.

Before any contracts we're exchanged i request up front for a ‘license to occupy’. This happened really early while we we're in initial negotiations and chatting!

In general terms this means you can access the property to carry out minor repairs and or whatever is stated in the terms of the agreement. The agents reply was, “yep” that will be alright and that will be a clause that goes in the special conditions in the contract.

I took a special trip in to town for a pre organized appointment to meet the bank manager, to coincide with signing, who was traveling from over an hour away. I asked if it the contract was ready to sign and was told "yes". On sitting down to sign it i noticed there was no signatures on the section 32’s from the vendor and the contract is not signed. But wait hang on where is the special conditions clause to access the property?

The women at the desk says oh i don’t know. I mean you are only dealing with thousands of dollars but don’t know why a vendor hasn’t signed the contract. I was told the ‘license to occupy’ is going to be a separate form to sign and $110 dollar fee, but it’s ok… it’s going ahead.

So i had no contract i could take to the bank manager to set the mortgage application in further progress and another week until i could get another appointment with a flat out bank manager. After three more trips into town i got to see the ‘license to occupy’ and it only has permission to store things in the shed. Oh no hear we go! I explained that i could of been more clearer in my instructions and said i wanted to begin some minor repairs to the house as well. Agent said no, i said what’s the problem? Agent says vendor are scared i will damage the property.

The lawns haven’t been mowed and the place really seriously needs attention and they are saying they actually care about the property. Yeah, right lie to me another way because I’m not believing you yet! This is how people try to take the wheel on your investment activities. If you want to take the wheel make sure you know what direction your steering!

On asking the agent more about this i was told that there solicitor had instructed them not to insert a special conditions clause into the contract and then to only allow shed access. During all this i was making plans so that i could even buy the property and was short $3,000 because in this strategy i was to get income buy putting a tenant into a current project getting finished which also freed up mortgage repayments on that and then preparing this property for a tenant and getting those funds up front.

I asked for a 60 day settlement and by now it’s getting into a full month since and no license to occupy and i don’t know how I’m going to settle with short funds. I explain this to the agent and get sent to there solicitor and after a chat with a sensible fella and requesting from the vendor he said no worries this is alright to have a license to occupy for minor repairs but MUST do no structural work or knocking out walls.

I had to put a couple and a little baby out onto the street who wanted to rent and another fella. They’ve got somewhere but it’s caused problems right down the line. I asked for 90 days settlement for this but as usual people are so greedy and want money handed out to them a.s.a.p. They would only give 60 days, burnt 36 days mucking around and I’m down to 21 days with early access with an LTO. I asked them to pay me $2000 for it but i don't see them paying me!

The solicitor had no knowledge of my request for the license to occupy from the agent over the last month when I’d asked four times and made four separate trips into town to see the agent and not received any email or calls back from the agent. The solicitor also tells me that he had not been told about my requests for the license to occupy to carry out minor repairs to the building. Here is where it gets interesting, the solicitor advises me that next time and what i should have done this time was to include it in the contract as a special condition. Go figure!

OK, i’m writing this blog post to document my lesson learnt here with this. If getting a LTO the way to do it is to have MY legal eagle (solicitor) write a letter to the vendors solicitor and have them put it into the contract and agreed to up front with all the terms clearly requested to the vendor. If it means to make or break a deal then you really need this to happen. I was threatened that it was going to be enforced if i didn’t not have the funds to settle. DO NOT SIGN the contract until it’s all properly in place and structured.

I take responsibility for this mistake and the lesson is learnt. But in it all i did achieve my first LTO so that a bit of a thrill for me. On settlement day 28th June i am going to be flat broke.

Bit of a run down!

Hi,
  I was homeless living in a car. I began to save every cent until i bought the very first house. Well it wasn't really a house even it was an old disused butcher shop that was unlivable.. gutted. There wasn't even a shower, kitchen. It was just an empty 100 square building with cold brick walls and one toilet. I continued living in the car to sleep and eventually bought property number two. A proper REAL house. Oh what a feeling! Then now a third house that can have five new townhouse built on it.

I'm a common aussie battler starting from a position of homelessness and not a cent to my name, no assets and no nothing. Just a determination that "i" am going to change my life. There is no tips or tricks to how I've got started. I wasn't handed a golden spoon or a big payout or inherited lots of money. I came from a lower income then most in this great country of Australia.

I believe we have got it so good in Australia you can have any life you chose and even on a poor income we've got it pretty good. It amazes me that people can complain.

Before i started investing i was making software for property investors to analysis renovations, common property purchases and developments. These are used widely as there are very comprehensive. I use the same calculators myself for every purchase i make. They calculator the positive cashflow and all the costs right down to the last cent. there great, quick and simple to use. No hard language to understand.

I also pioneered a youtube channel when youtube was the new big thing and people we're unsure what exactly it was. Since 2006 there has been videos submitted from property investors and commentators across Australia and many interesting videos wot watch.

With all this property software and video as well as my need to create a journal blog of my goals and things i created the official web site at www.forpropertyinvestors.com  so now in 2010 go their to check it all out. It's a 100% free web site and genuinely is "For Property Investors".

See ya!

Real Estate Agents are hopeless

Not Including Original Email in Replys

This ever happen to you? Every time you email a Real Estate Agent, this can sometimes be a dozen agents at various agencies when getting active and looking for a property to buy. Or even just a random email query using the submit tool at domain.com or realestate.com!



Often it's even a serious offer. But what I'm getting at is we are now in 2010 and most of us on planet earth know that to reply to someone using email you include the original copy of the email.



Every agent does not do this! They send you an email (if they bother to reply) for the most part they do and you are left wandering what property the email is about. Why? Because you might have two or three inquiries out. Sometimes it takes a week to reply.



It's not as if I'm having a winge at one occurrence this happens every time you email an agent. RealEstate.com is the worst. I've let them know about it but they never change it.



To solve it so you have an orderly structured and system for emails  to agents you need to actually explain it to them in black and white. At the bottom of my emails i include "Please include the original email in your reply". Would you believe that even then some of them still don't include it.



Sometimes you want to go back through your emails sent out particularly if you are organised and you put all your agent communications in a filter in gmail so you can find them again. If it's two months later which can often because you might go and see if the property sold or your circumstances might change. You can not remember what property the email if referring to and what exactly your offer or questions were to the agent.



Agents are hopeless like that! It's in there best interest to "INCLUDE THE ORIGINAL EMAIL" in client email replys. Any agents out there take not. It can lead to more sales for you. It's common knowledge to include the original so do it!



Everyone else on the planet i know does this i don't know why Real estate Agents don't.

i got this house for free

It's not a bad little cottage, simply and basic but everything you need. This house reminds me of my Nanna and Poppa's house that we played in when we we're kids. And it's old enough that it's someone there age would have lived in it.



It's the second property in my goals that i have been able to purchase with none of my own money! There is a mortgage that gets paid but the tenant will pay that once rented after the renovation and it will be positive cashflow.



I've been away for a few months. l've been taking action instead of wasting time online and it's cleared my head up as well. It saved a little bit more money and had made me focus on the renovation of this Country Cottage.



I don't want to bore you with to much dribble. As you might know this blog is designed to showcase videos and to document my goals to purchase a million dollars in real estate in 10 years. Focusing on positive cashflow. Being away and less typing and more action was good! And I'm not sure it's a good thing being online again. It takes more and more time away from my investments.



This video i uploaded here has no sound but i just quickly did it to show a Walkthrough of the second deal. It's nothing flash but you've got to start somewhere. I will do a running commentary in another video when i get time.



In money terms this house was bought with zero of my own money. In a bad economic downturn 2009 and from what a lot of people would say was an impossible income position and the odds stacked high against me. I know because i heard plenty of naysayer tell me. Oh well i did it! Where there is a will their must be a way because i own two peaces of real estate now and I'm terrible at my English and grammar still . I will be looking forward to telling my old school teacher I'm a millionaire when I'm done :).



Soon i think i will be close to replacing the income i started investing from two year ago! In a next video coming very soon i will show you another update of what work has been done. Then once the Reno is complete a final video of how it came up.

From homeless to property deal two

Just going to give you a little diary entry on the second deal. On the weekend i went up to my mums to see if there we're any adds in the paper for a garage sale or clearance sale to look for things for a unit renovation. I could not find any. I wined at mum "what am i going to do now!!". Mum passed the paper over and said go for a drive out and have a look at this property and pointed out an advertised cottage in the paper going for a very affordable price.

I gave it a little thought and ummed and erred then we got in the car drove out to have a look. To cut a long story short the numbers stacked and i could add value via renovation, built in equity on purchase day and positive cashflow from day one of about $50 per week. My negotiations could not get the price down any lower. They wanted the price they were asking and had people hovering around the deal on the day offering.

I thought to myself the asking price was good deal anyway. In something i read from Steve McKnights book at the split second when i needed something to get this deal across the line. I remember it saying, "don't look a gift-horse in the mouth".

I called instantly adrenalin flowing and put the offing in right on the full asking price. I couldn't go wrong. "It's what the vendor wanted". The agent called later and confirmed the offer was accepted.  if your young and don't know always remember, "Mum's know what's best!"

Tiling Kitchen Splashback

Tiling

It's quite late i just found this video which comes at a timely time as I'm doing wall tiling around the u shaped kitchen tomorrow and could take some tips & hints from it. It's also an example of other videos that can be embedded into this forum here. Not just YouTube. God blimmy all people say these days is Google and YouTube. But what happened to Yahoo all i was once was Yahoo. But there is lot's of other places that have

i buy houses to renovate

I wear these T-Shirts around. It was only a couple year ago in 2007 i did not have a cent to my name. All my things and personal possessions we're stolen i was laying in Hospital and i had no clothes to wear.

Carly Crutchfield Scam

Carly Crutchfield Developments

http://forpropertyinvestors.com/blog/2009/carly-crutchfield-developments/

Carly Crutchfield takes you into the world of property development in this clip that gives you some quick tools and tips. Check out more of Carly Crutchfield Development seminar clips in the development section of the videos. Just go to the video menu at the top of the main page.










Comment on what you think of Carly's seminar & strategies. Carly Crutchfield Developments. Carly Crutchfield takes you into the world of property development in this clip that gives you some quick tools and tips. Video embedded in the Australian video forum and blog at www.forpropertyinvestors.com.

Being the site owner at forpropertyinvestors.com it's fascinating that Carly Crutchfield get the most views and comments on this particular video out of the entire sites content. but what's shocking is the search term that bring people to the site. "Caryl Crutchfield Scam" Because i have insight into the statistics at the back end of this site this search term is constantly at the top of all other search terms people use to find my site from Google.

I'm not going to trash Carly because i have never seen or used the product. It does seem a little odd that so many complaints because having been around the industry for a lot of years if a product seller is reputable with integrity on that product you rarely see public displays of complaints about them. Maybe Carly will come in and justify herself a bit sometime and or send me a complimentary free home study coarse and i will personally post my finding her :). 

Carly Crutchfield Scam