Wednesday, October 31, 2012
UNIVERSAL LAWS
19. Doctors' Law - If you don't feel well, make an appointment to go to the doctor, by the time you get there you'll feel better.. But don't make an appointment, and you'll stay sick.
. Law of Mechanical Repair - After your hands become coated with grease, your nose will begin to itch and you'll have to pee.
2. Law of Gravity - Any tool, nut, bolt, screw, when dropped, will roll to the least accessible corner.
3. Law of Probability - The probability of being watched is directly proportional to the stupidity of your act.
4. Law of Random Numbers - If you dial a wrong number, you never get a busy signal and someone always answers.
6. Variation Law - If you change lines (or traffic lanes), the one you were in will always move faster than the one you are in now (works every time).
7. Law of the Bath - When the body is fully immersed in water, the telephone rings.
8. Law of Close Encounters - The probability of meeting someone you know increases dramatically when you are with someone you don't want to be seen with.
9. Law of the Result - When you try to prove to someone that a machine won't work, it will.
10. Law of Biomechanics - The severity of the itch is inversely proportional to the reach.
11.. Law of the Theater & Hockey Arena - At any event, the people whose seats are furthest from the aisle, always arrive last They are the ones who will leave their seats several times to go for food, beer, or the toilet and who leave early before the end of the performance or the game is over. The folks in the aisle seats come early, never move once, have long gangly legs or big bellies and stay to the bitter end of the performance. The aisle people also are very surly folk.
13. Murphy's Law of Lockers - If there are only 2 people in a locker room, they will have adjacent lockers.
14. Law of Physical Surfaces - The chances of an open-faced jelly sandwich landing face down on a floor, are directly correlated to the newness and cost of the carpet or rug.
15. Law of Logical Argument - Anything is possible if you don't know what you are talking about.
16. Brown's Law of Physical Appearance - If the clothes fit, they're ugly.
17. Oliver's Law of Public Speaking - A closed mouth gathers no feet.
18. Wilson's Law of Commercial Marketing Strategy - As soon as you find a product that you really like, they will stop making it.
Tuesday, October 30, 2012
Undisclosed auction results preventing property investment wisdom Article of interest
The following is for your perusal and information only:-
Undisclosed auction results preventing property investment wisdom: Mark Armstrong
By Mark Armstrong
Wednesday, 31 October 2012
Page 1 of 2
We live in a crazy world where we are encouraged to invest and fund our own retirement but are not provided with adequate information or legislative protection to assist us to do so.
People who are looking to enter the property market are forced to rely on patchy information, as disclosure of sale results is not mandatory and access to past sales is hidden from view. In addition consumer protection laws for property investors are almost non-existent. As the wheels of the property market begin to turn, this is the reality property investors face.
Currently there is no obligation for real estate agents or vendors to disclose sale results to the public. For years the industry has hidden behind privacy concerns, but consider this, even a property sold via a public auction can be undisclosed. If you are watching the auction you would know the result but because of privacy concerns the vendor can elect to hide the result. Have you ever heard of anything so ludicrous?!
On any weekend as many as 10% to 20% of all auction results are not disclosed. Imagine if the board of BHP were to keep that much information hidden from the market place. There would be uproar, and rightly so!
Furthermore, the historical growth of an individual asset is a key piece of information anyone buying property needs to know to make an informed decision. However, what the property last sold for is usually very hard for the average punter to find. Again imagine if you were looking to purchase some BHP shares but had no access to historical values. It would be very difficult to work out fair market value.
But it gets worse for property investors. Legislation administered by the Australian Securities and Investment Commission (ASIC) provides protection for investors in shares, managed funds and super. Financial planners are required to consider each client’s personal and financial situation, investment knowledge and risk tolerance before giving recommendations on strategies or products. They must also provide a rationale for the recommendations, and disclose fees and commissions they will receive if the client acts on their advice.
Investors in direct property, however, receive no such protection from the nation’s investment watchdog. This is a glaring anomaly given that, according to the Tax Office, around 1.5 million Australians declare rental income for investment properties.
The ASIC Act’s rationale for excluding direct property from the definition of what constitutes a ‘financial product’ is that — unlike shares, super and managed funds, where investors entrust day-to-day control to a third party to generate a return — direct property investors retain direct control of decisions and returns.
The fact that direct property investors retain control of their assets doesn’t mean they are any more likely to make sound investment decisions. On the contrary, the absence of a third party increases the need for inclusion in ASIC’s safety net.
Lack of regulation enables practitioners to sell investors a product or concept under the guise of providing advice without taking into account an individual’s personal or financial circumstances.
The regulator’s attitude to direct property as an asset class is clearly out of step with the way it’s being used as an investment in the wider community. It’s time the legislation was amended to recognise direct property as a financial product and give property investors the same level of protection and access to information as those holding other asset classes.
The time is ripe for the nation’s corporate watchdog to step up to the plate. When investors turn their attention to property, they’ll be in a better position to make informed investment choices and less prone to the fallout from lousy investment advice.
Mark is a director of Property Plan, which provides independent analysis and tailored advice to investors and home buyers.
& previous article of interest:-
The best way for property investors to avoid paying land tax: Ed Chan By Ed Chan Land tax is a state-based tax, meaning it gets charged by the individual states; therefore the rules, conditions and land tax thresholds differ from state to state. Generally the first property bought in most states will be below their land tax threshold, such as an apartment (unless it’s a really expensive property), and subsequent properties bought in the state will be added to the first for assessment purposes. Generally by the second or third property the total land value will be pushed above that Sstate’s land tax threshold. To eliminate paying land tax completely one could simply buy a single property where the land value is below the threshold and the second in another state and so on, which means you start fresh with a new land tax threshold in each state. So, effectively you could have eight properties without paying land tax. However having said that, it's not a wise investment principle to invest solely for tax reasons. Tax reasons should never drive your investment principles. It should be part of the consideration, but never the only consideration as there other key factors to take into account. For example, it may be land tax effective to invest in a particular state, but that state could be at the peak of its property cycle, which makes that a poor investment. To get an estimate of what the land value is one can look at the Valuer-General notices attached to council rates. Land tax is self-assessed. In most states you will not receive a land tax notice from the Office of State Revenue reminding you of your obligations, and it's up to you to voluntarily self assess and lodge a land tax return. What happens if you don't lodge a land tax return? Well, no one will know in most of the states; however if you are unlucky you may get found out in a random audit and or when you decide to sell the property the buyer will want land tax clearance before taking possession of the property because land tax liability is transferred with the sale of the property. In that case you will need to back pay all the land tax owed plus penalties and interest. This could be quite significant. So it's always best to lodge a land tax return, even if you are below the land tax threshold. Lodging a land tax return gets you registered in the system and you will receive a nil assessment notice each year which will avoid the situation where you were unaware that your land value one year had climbed above the land tax threshold and you were liable to pay land tax; the non payment attracts penalties, fines and interest. |
Best regards,
 | Linda J. & Carlos Debello, LJ Gilland Real Estate Pty Ltd Tel: (07) 3263 6085 | Mobile: 0409 995 578 & 0400 833 800 http://www.ljgrealestate.com.au |
| ||
| ||||
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Confidential Email:- The information in this message is intended for the recipient named on this email. If you are not that recipient, please do not read, copy, distribute or act upon the message as the information it contains may be privileged. If you have received this message in error, please notify us immediately by return email. Thank you for your co-operation.
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Removing the hassle from Sales and Rentals.
L J Gilland Real Estate PTY LTD
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Monday, October 29, 2012
Article for friends and clients of LJ Gilland Real Estate Pty Ltd
· ipad
The new iPads: What you need to know
By Macworld Staff, Macworld
· Oct 24, 2012 3:20 AM
Between Apple’s presentation at its Tuesday press event, the press releases and spec sheets that followed, and our all-too-brief hands-on session, we’ve been able to get a pretty good first impression of the new iPad mini and, to a lesser extent, the fourth-generation iPad. So while we wait for our review units to arrive, here’s what we know so far.
The iPad mini
How small is it, really?
The iPad mini is 7.9 inches tall, 5.3 inches wide, and 0.28 inch thick. For comparison, note that the new fourth-generation iPad measures 9.5 by 7.3 by 0.37 inches. The iPad mini’s volume is less than half of the big one’s. Obviously, the iPad mini is lighter, too, weighing 312 grams (11.0 ounces) versus 662 grams (23.4 ounces). For the sake of further comparison, Google’s Nexus 7 tablet is roughly 7.8 by 4.7 by 0.4 inches and weighs 340 grams (12.0 ounces), so the iPad mini is a bit larger, though thinner.
What about the screen?
The iPad mini’s screen is 7.9 inches on the diagonal, compared with 9.7 inches for the full-size iPad. Although it’s smaller than the regular iPad’s display, its diagonalmeasurement is twice that of the iPod touch (4 inches).
The iPad mini’s display provides the same resolution as the original iPad and the iPad 2: 1024 by 768 pixels. That’s much lower than the 2048-by-1536-pixel resolution of the Retina display found on the third-generation and fourth-generation iPads. The new taller iPod touch models have 1136-by-640-pixel resolution.
However, keep in mind that while the first two iPads offered 1024 by 768, they did so on 9.7-inch screens, whereas the iPad mini has the same pixel dimensions on a 7.9-inch screen. As a result, the pixel density of the iPad mini is considerably higher than that of the old iPads, working out to 163 pixels per inch on the iPad mini, versus 132 ppi on the iPad 2. That’s not even close to the 264 ppi of the third- and fourth-generation iPads or the 326 ppi of the iPhone 4S and iPhone 5. But next to the iPad 2, this is a significantly sharper screen. One other consequence: The on-screen keyboard could be pretty tight. We’ll find out more when we have more-extensive hands-on time with the device.
Does the screen change mean that developers will need to create yet another version of their apps?
Thankfully, no. Because the iPad mini’s screen has the same resolution as the screen on the first two iPad models, iPad apps that work with those models—meaning the vast majority of iPad-optimized apps—will work with the iPad mini without any developer tweaks.
On the other hand, everything will be smaller on an iPad mini’s screen. If a particular app uses especially small interface elements—buttons, for example—those items may be more difficult to tap on the iPad mini. We suspect that some developers will need to adjust their apps to be more usable on the iPad mini.
So does the iPad mini look like a full-size iPad, just smaller?
Not exactly. Although the overall design is similar, a few significant differences make the iPad mini unique. The most obvious is the color scheme. Apple has adopted the iPhone 5’s color options for the iPad mini: You can get one with a silver-aluminum back, a white screen bezel, and shiny silver buttons and switches. Or you can go with the black/slate model, which has a slate-black aluminum back, buttons, and switches with a glossy-black screen bezel. Like the iPhone 5, the iPad mini has chamferededges between the body and the glass display.
Instead of tapering to a thin edge where it meets the screen, the back of the iPad mini is more squared-off—like that of the original iPhone and iPod touch. And on the longer sides, the bezels framing the iPad mini’s display are much narrower than those of a full-size iPad, allowing Apple to squeeze in as much screen area as possible in the iPad mini’s smaller package. One touch we’re looking forward to testing: Apple says that the iPad mini’s screen “intelligently recognizes whether your thumb is simply resting on the display or whether you’re intentionally interacting with it.”
What about the other specs? How do those compare to the full-size iPads?
Though many people expected the iPad mini to be essentially a smaller version of the iPad 2, with much the same inner hardware, it’s actually somewhere between the iPad 2 and the current full-size iPad. The iPad mini uses a dual-core A5 processor, like the iPad 2. (Because Apple doesn’t publish clock speeds for its iPad chips, we can’t compare them directly.) It has the same FaceTime HD (720p) front camera and 5-megapixel (1080p-capable) back camera as the fourth-generation iPad; compare that to the VGA-resolution front camera and 960-by-720-pixel back camera we got on the iPad 2. Similarly, the iPad mini offers Bluetooth 4.0, with optional LTE wireless data; the iPad 2 included Bluetooth 2.1, with only 3G connectivity as an option. (The iPad mini with LTE uses the same LTE chip as the fourth-generation iPad does, so it’s compatible with more carriers than the third-generation iPad was.) And like the fourth-generation iPad, the iPad mini sports a Lightning connector and includes Siri.
Apple says the iPad mini offers battery life similar to that of the full-size iPad: up to 10 hours of Wi-Fi Web surfing, watching video, or listening to music; or up to 9 hours of Web surfing over a cellular-data connection.
In one regard, the iPad mini actually uses newer technology than the latest full-size model: The iPad mini accepts the same nano-SIM card as the iPhone 5 does, whereas all full-size iPads use the older micro-SIM card.
How much does the iPad mini cost?
The iPad mini is available in the same configurations as the fourth-generation iPad, but each model is $170 less. In other words, the 16GB Wi-Fi model goes for $329, 32GB is $429, and 64GB is $529; adding LTE cellular data ups the price to $459, $559, or $659, respectively. You can order one starting on Friday, October 26. Apple says the iPad mini will start shipping November 2.
Now that the iPad mini exists, why would anyone buy an iPod touch?
With the 32GB iPod touch priced at $299 and the 64GB model priced at $399—$70 more than the entry-level iPad mini—some people are wondering why anyone would go for the iPod touch. That’s a valid question. But Apple would say—and we would agree, for the most part—that the markets for the two products are very different.
Sure, the iPad mini offers a larger screen, but the downside to such a size is that it no longer fits in your pocket. The iPod touch, on the other hand, is still pocketable (4.9 by 2.3 by 0.24 inches, 3.1 ounces)—a crucial feature for some people. The iPod touch also offers more storage for your money, and a true Retina display. As with many things in tech, huge and miniature both cost more, and the iPod touch is a marvel of miniaturization. If you want an iOS device with lots of storage and really long battery life that fits in your pants pocket, the iPod touch—or the iPhone, of course—is for you. If you’re willing to give up pocketability and a good amount of battery life in order to get a much larger screen, Apple now has you covered there in a couple of different ways, too.
The fourth-generation iPad
What are the differences between the fourth-generation iPad and the third-generation model released earlier this year?
On the outside, the only obvious change is that the latest iPad uses Apple’s newLightning connector instead of the older 30-pin dock connector. (If you have older audio and power accessories, you can use them with the new iPad via Apple’sLightning-to-30-pin adapters.) But Apple has also upgraded the new iPad’s front camera to a FaceTime HD (720p) version, in contrast to the VGA-resolution front camera on the third-generation iPad.
The other big iPad changes are hidden inside. First, the fourth-generation iPad features a dual-core A6X processor with quad-core graphics, a significant upgrade over the A5X processor in the third-generation iPad. The new version also has upgraded Wi-Fi circuitry: Apple claims that the fourth-generation iPad provides up to twice the wireless performance of the third-generation model. Specifically, the new iPad supports channel bonding, which means that it can use two adjacent bands of the wireless spectrum, allowing a theoretical doubling of the data rate. Channel bonding can work in the 2.4GHz frequency band, but you’re much more likely to get its full advantages in the 5GHz band. (In fact, Apple’s own Base Stations, and many from other companies, don’t support channel bonding—also known as wide channels—in the 2.4GHz range at all, so you benefit only when using the 5GHz range.)
Speaking of wireless, the new iPad also has upgraded LTE circuitry that’s compatible with more carriers around the world—and with Sprint in the United States.
Has the price of the full-size iPad changed?
No. As usual, Apple has updated the iPad line but kept prices the same. This means that the entry-level fourth-generation iPad, which includes 16GB of storage and Wi-Fi, is $499. $599 gets you 32GB of storage, while $699 buys 64GB. If you want LTE cellular data, you tack on $130, for a total of $629, $729, or $829, respectively. The 16GB iPad 2—not the third-generation iPad, which has been discontinued—is still available at $399 for the Wi-Fi version and $529 for the 3G cellular-data model.
Updated 10/24/12, 3:40pm, to correct camera specs for the third-generation iPad.
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Information For Clients, Friends & Associates of LJ Gilland Real Estate Pty Ltd as follows:-
Please keep a look out for our website translated to Chinese.
Online residential listings rise 1.5% in August to 373,510, led by Melbourne, Sydney and Canberra
By Jonathan Chancellor
Wednesday, 05 September 2012
Vendors appear hopeful of better fortunes this spring selling season with the total number of residential properties listed for sale online rising 1.5% over August to reach 373,510, according to figures from SQM Research.
This contrasts starkly with the same time last year, when listings fell 3.8% from 377,213 in July 2011 to 362,740 in August 2011.
Sydney and Melbourne both recorded “substantial” 5.9% increases in monthly residential properties listed for sale, to reach 31,310 and 51,194 listings respectively.
Click to enlarge
SQM Research managing director Louis Christopher described market conditions as a little better than this time last year, "but it doesn't mean we are going to head into a big property boom''.
"If rates stay on hold, that will be conducive to stimulating the housing market, and we are likely to see continued market recovery, but there are many X-factors at play,'' he told news.com.au.
Christopher says rising rents (up 7% annually over the past five years) are good news for investors, but they have been offset by declining house prices.
He expects there will be further seasonal rises in stock levels as the spring selling season enters full swing.
Click to enlarge
While residential stock on market in Sydney is just 0.9% higher than a year ago at 31,310, Melbourne has the highest year-on-year increase of all the mainland capital cities, with stock up 14.1% to 51,194 in August.
In August last year there were 44,859 properties listed for sale in Melbourne.
The other notable increase was Canberra, where stock on market increased by 8.8% over the month to 3,758 online listings. This is up 13.6% up on August 2011.
“Canberra’s large monthly increase may well signify a downturn for that market as federal budget spending is cut,” noted SQM research.
Bucking the monthly trend of rising stock levels was Perth, which recorded the largest monthly decline of 1.8% to 18,053. Residential listings were down 10.7% on the same time last year when there 20,207 listings.
Residential stock levels have declined in Perth, Darwin and Brisbane – which all benefit from Australia's mining boom
Darwin residential listings are down 23.3% over the 12 months to August to 1,282 while Brisbane listings are down 4.7% to 28,666.
“Increasingly the market is segmented. It is becoming difficult to discuss just one national housing market and in my opinion, that will be to base line story for the remainder of 2012,” said Louis Christopher, managing director of SQM Research.
While Hobart stock on market declined by 1.7% over August to 4,388 properties listed for sale, there are 24.1% more properties for sale than a year ago. At this time last year there were 3,536 listed for sale in Hobart.
Have you seen the new video explaining advertising options on realestate.com.au? It could be a great listing tool to use in your presentations?
http://sellingguide.realestate.com.au/video/why-list-online
Also, here is the link to the Selling Guide website specifically set up for our sellers.
http://sellingguide.realestate.com.au/
Best regards,
Linda & Carlos Debello
http://www.ljgrealestate.com.au
http://twitter.com/GillandDebello
http://au.linkedin.com/in/lindajanedebello
http://gillandrealestate.wordpress.com/
http://www.facebook.com/pages/LJ-Gilland-Real-Estate-Pty-Ltd/169194919788253
Confidential email:- The information in this message is intended for the recipient name on this email. If you are not the recipient please do not read, copy distribute or act upon the message as the information it contains may be privileged. If you have received this message in error, please notify the writer by return email. Thank you very much for your assistance in this matter and your co-operation.
Sunday, October 28, 2012
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Best regards,
Linda and Carlos Debello
http://www.ljgrealestate.com.au
http://twitter.com/GillandDebello
http://au.linkedin.com/in/lindajanedebello
http://gillandrealestate.wordpress.com/
http://www.facebook.com/pages/LJ-Gilland-Real-Estate-Pty-Ltd/169194919788253
Confidential email:- The information in this message is intended for the recipient name on this email. If you are not the recipient please do not read, copy distribute or act upon the message as the information it contains may be privileged. If you have received this message in error, please notify the writer by return email. Thank you very much for your assistance in this matter and your co-operation.
Friday, October 26, 2012
THE BEST WAY FOR PROPERTY INVESTORS TO AVOID PAYING LAND TAX ARTRICLE
The best way for property investors to avoid paying land tax: Ed Chan By Ed Chan Land tax is a state-based tax, meaning it gets charged by the individual states; therefore the rules, conditions and land tax thresholds differ from state to state. Generally the first property bought in most states will be below their land tax threshold, such as an apartment (unless it’s a really expensive property), and subsequent properties bought in the state will be added to the first for assessment purposes. Generally by the second or third property the total land value will be pushed above that Sstate’s land tax threshold. To eliminate paying land tax completely one could simply buy a single property where the land value is below the threshold and the second in another state and so on, which means you start fresh with a new land tax threshold in each state. So, effectively you could have eight properties without paying land tax. However having said that, it's not a wise investment principle to invest solely for tax reasons. Tax reasons should never drive your investment principles. It should be part of the consideration, but never the only consideration as there other key factors to take into account. For example, it may be land tax effective to invest in a particular state, but that state could be at the peak of its property cycle, which makes that a poor investment. To get an estimate of what the land value is one can look at the Valuer-General notices attached to council rates. Land tax is self-assessed. In most states you will not receive a land tax notice from the Office of State Revenue reminding you of your obligations, and it's up to you to voluntarily self assess and lodge a land tax return. What happens if you don't lodge a land tax return? Well, no one will know in most of the states; however if you are unlucky you may get found out in a random audit and or when you decide to sell the property the buyer will want land tax clearance before taking possession of the property because land tax liability is transferred with the sale of the property. In that case you will need to back pay all the land tax owed plus penalties and interest. This could be quite significant. So it's always best to lodge a land tax return, even if you are below the land tax threshold. Lodging a land tax return gets you registered in the system and you will receive a nil assessment notice each year which will avoid the situation where you were unaware that your land value one year had climbed above the land tax threshold and you were liable to pay land tax; the non payment attracts penalties, fines and interest. |
Best regards,
 | Linda J. & Carlos Debello, LJ Gilland Real Estate Pty Ltd Tel: (07) 3263 6085 | Mobile: 0409 995 578 & 0400 833 800 http://www.ljgrealestate.com.au |
| ||
| ||||
My latest G+: My G+ - |
| Please consider your environmental responsibility. Before printing this e-mail message, ask yourself whether you really need a hard copy. |
Confidential Email:- The information in this message is intended for the recipient named on this email. If you are not that recipient, please do not read, copy, distribute or act upon the message as the information it contains may be privileged. If you have received this message in error, please notify us immediately by return email. Thank you for your co-operation.
http://www.facebook.com/pages/LJ-Gilland-Real-Estate-Pty-Ltd/169194919788253
Removing the hassle from Sales and Rentals.
L J Gilland Real Estate PTY LTD
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Confidential Email
The information in this message is intended for the recipient named on this email. If you are not that recipient, please do not read, copy, distribute or act upon the message as the information it contains may be privileged and confidential. If you have received this message in error, please notify us immediately by return email. Thank you for your co-operation
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