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The typical tactic is to xcoll woth PPOR and steal, I mean extract the available equity to prop up a low valuation which is where the 24+k comms come from. Banks, brokers and spruikers are in bed together on this. Not saying the company in question does this but have seen plenty that do...

I attended a seminar by Paul Counsel. He is a Perth local. I paid $1500 for a weekend seminar in 2000 and never regretted it. I'm not sure how well he is known on this forum but he seemed legit and his advice was gold imho. He is still around and doing well from what I understand. Dont know...