Thanks for the advice.

I understand where your coming from, of course everyting comes for a price, but i know with my 2 contract loans, the commissions come out at a % of my profit in the long run, which i was comfortable with.

As for the real estate, i figured a FA would have knowledge on all types of investments, lol.. I guess i never really thought about it, but of course it makes sense that advisers are specialists to a degree.

I was also wondering what was going on with property, 1 in 100 year collapse you think? That does sound nasty.. All i ever hear is 'its a buyers market now, you have to get in now' but then again, what a guy at a pub or someone at work says, is often different to the real case isnt it! haha.. Surely the property market cant go down much further, could it? I mean, some places falling over 20-30% within 12-18 months, could they go further.. to -50%?

I know i'd be pretty shattered if i bought an investment property for say $300,000 12months ago to only have it be worth $200,000 now.. ouch.