To sell, or not to sell, that is the question being asked by Queensland’s property investors.    We’re back with yet another gigantic Q&A, involving one of the most contested issues in Australia’s property market: Queensland’s New Land Tax.     And as Jean, one of our listeners asks, “Is it time to sell up?!”     We’ll be revealing the realistic options that property investors have and as Bryce says, how to defeat “the monsters under the bed” when it comes to scary situations like this.    Plus, we’re diving into where all this money created by higher rates is going, (Who actually benefits from it?!)    And we balance out these topical questions with some evergreen challenges faced by investors like…   How to keep investing when your income unexpectedly halves – like going on Maternity leave – and how to break free from the prison of cross-collateralisation (aka. Cross securitisation)!     There’s tons of new and old wisdom for you today folks, tune in now!!        P.S. The Property Investors Council of Australia (PICA) have missed an invite to the crucial QLD Housing Summit. If you, like us, believe that having the voices of private “mum and dad” investors is important, please help us out!   Tweet (or re-tweet) “Bring the Property Investors Council of Australia  (#PICA) along to the @QLDLabor 2022 Housing Summit!” on Twitter.  We’d love to be able to represent these everyday investors and repeal the Great Queensland Renter’s Tax.      Questions We Answer… Q1 Jim on Interest Rates – where does the extra money go?   Good day Bryce and Ben and Ivise,  How are you?  My questions is around interest rates going up and what happens to the extra money that’s collected from mortgage payments? Do the banks get their cash from the RBA? If so, where does that extra money actually go?  I understand that some money can come from offshore. The banks getting the (inaudible) to extra cash. The difference between from what they can source their money atand what they’re charging in interest rates?  It’s good to know what happens there. Keep up the good work. Love the podcast. Cheers!    Q2 Bec Muser on What to do now we’re on Maternity Leave?  Hi guys.  Hoping you could talk about maternity leave.  I have only recently started listening to your podcast and I think about 5 new episodes a day and 78 previous episodes deep. We had a baby pre-term so I’ve been dropping to and from hospitals and you guys have been keeping me sane.  Our pre-term baby mean that our maternity leave situation started 15weeks earlier than we had planned. While that has not financially impacted us in terms of lives management, it has put a big bump in the road for our property investment goals.  We have 1 investment property where we successfully access 225k worth of equity from that property and have that in the bank all done in Sydney.  We also have 75k worth of savings on top of that the 300k in the bank ready to go but I’m now on half pay maternity leave for the next 6months. We’re just wondering what’s the best course of action is now in terms of do we sit and wait or is there something that we should be doing even though we’re on maternity leave.  Thanks guys.  Q3 Mel on Cross Collateralised Properties  Hi guys, it Mel here. Big fan. I’ve listened to all of your episodes.