Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaIhttps://propertyplanning.com.au/propertyplannerbuyerprofessor/ In this week’s episode, Dave, Cate and Pete take you through: 1. Our first listener question is a bit of a terrifying one.  Charlotte is looking to buy her first home next year and asked the trio if it is normal for a selling agent to offer a 'free' buyer's agent who receives substantial commission fees from the seller. Charlotte felt it doesn't seem right.... and the trio agree with her. 2. Matt is keen to access his available equity in his current investment property and asks the trio for some tips "Instead of having one six hundred thousand dollar property going up in value, you could have two six hundred thousand dollar properties, and in theory you're effectively doubling your net wealth in the future", says Pete 3. Shashank raises the question of how to manage building insurance with the rapid increase we're seeing in construction costs and the trio discuss the importance of understanding total rebuild costs, as opposed to relying on an online insurance estimate. "Did you know that 83% of Australians are under-insured on their properties?" (MCG Quantity Surveying) 4. Sarah, a Bayside resident of Melbourne asks the trio for some help with her scenario options. She and her children moved from 'beachside' Mentone to the other side of Mentone, yet she's missing her old neighbourhood and wonders what guidance the trio could offer. Should she rent-vest, buy/sell, or buy/invest. Cate says, "Follow your heart, and go back to the beachside. Buy there if you can, don't rent there. Your capital growth prospects based on the scarcity and desirability of the area will outperform non-beachside."  And our gold nuggets.... David Johnston, the 'Property Planner's Gold Nugget: Dave’s gold nugget relates to thinking through the various options before you jump in to make your next purchase.  Trying to find experts who can give you the numbers to enable us each to make an informed decision. "Our next purchase is always the most important one." Cate Bakos, the 'Property Buyer's Gold Nugget: Cate’s gold nugget is all about taking the opportunity to set your plan and arrange your finance over the holiday break so that you can hit the ground running in 2023 and make the most of the market when it reopens. MERRY CHRISTMAS EVERYONE! Wishing our listeners a safe and happy festive season. Visit the show notes: https://propertyplanning.com.au/listener-questions-and-a-great-dilemma-ep-185/