Bodies Found In Septic Tank Hole Lead To Break In 1992 Oklahoma Cold Case

Donald Cavanaugh

Donald "JC" Cavanaugh was reported missing in Mendocino County, Calif., in March 2005.Additional information can be found at this link: www.huffingtonpost.com/2013/11/21/donald-cavanaugh-david-neily-missing_n_4319266.htmlAt the time of his disappearance, Cavanaugh was 63, 5 feet 8 inches tall and 140 pounds. He had gray hair and blue eyes. Anyone with information asked to contact Sgt. Jason Caudillo at (707) 468-3423 or the Mendocino County Sheriff's Office Anonymous tip line at (707) 234-2100.

David Neily

David Neily disappeared in Mendocino County, Calif., on April 14, 2006.Additional information can be found at this link: www.huffingtonpost.com/2013/11/21/donald-cavanaugh-david-neily-missing_n_4319266.htmlNeily was 69 years old when he was last seen. He was 5 feet 5 inches tall, weighed 150 pounds, and had gray hair, green eyes and a white beard. He suffered from stunted growth due to a heart murmur, and as a result his legs were not proportional to his body.Anyone with information asked to call Sgt. Jason Caudillo at (707) 468-3423 or the Mendocino County Sheriff's Office Anonymous tip line at (707) 234-2100.

Jason Ellis

Jason Ellis, of Indianapolis, has http://is.gd/wf060F been missing since Dec. 3, 2006. According to Project Jason, Ellis disappeared from an apartment he shared with two roommates. One of the roommates allegedly told police that Ellis, then 20, had left and taken his belongings with him. However, Ellis' last two paychecks were untouched and his car was still parked at the residence. In 2010, authorities told local media that they suspect Ellis is the victim of a homicide, but investigators did not elaborate. At the time of his disappearance, Ellis was 160 pounds and 6 feet 1 inch tall. He had a tattoo of his mother's name, Neatrice, on his chest, tattoos of Scooby and Scrappy Doo on his left arm, and a tattoo of a maple leaf and his name on his right arm. Anyone with information regarding Ellis' disappearance is asked to call the Indianapolis Police Department at (317) 413-7440.

Dara Hagans

Dara Hagans, 32, of Wilmington, Del., was last seen on Oct. 16, when she left the Christiana Care healthcare facility on West 14th Street. According to Black & Missing Foundation Inc., Hagans suffers from a unspecified medical condition and there is a genuine concern for her safety and welfare. She may be operating a blue 2005 Ford Focus with Delaware registration 595519. Hagans is described as 200 pounds and 5 feet 3 inches tall. She has black hair and brown eyes. Anyone with information is asked to call (877) 972-2634.

William Culbreath

William Culbreath, 77, of Volusia County, Fla., was last seen on Oct. 17, when he left his Deltona home to go to a doctor's appointment in Orange City. Culbreaths wife reported him missing when he did not return. According to police, Culbreath could be suffering from delusions. A description of the missing man has not been released. Investigators also are trying to locate his black 1997 Ford van with a gray stripe and Florida license tag number VA6257. Anyone with information about Culbreath's whereabouts is asked to contact the Volusia County Sheriff's Office at (407) 323-0151.

Ann Marie Newark

Authorities in New Braunfels, Texas, are trying to locate 53-year-old Ann Newark. According to the San Antonio Express-News, she was last seen on Sept. 12 leaving her New Braunfels home after a brief argument with a family member. Authorities said Newark suffers from depression and is believed to be armed with a handgun. She is described as 5 feet 2 inches tall and 160 pounds. She has blonde shoulder-length hair, hazel eyes and a scar on her throat. Anyone with information about Newark's whereabouts is asked to contact the New Braunfels Police Department at (830) 221-4100.

Tametre Taylor

The Associated Press reports that Tennessee police are trying to locate Tametre Taylor. The 40-year-old from Memphis was last heard from on Oct. 11, when she spoke with her pastor by telephone. No additional details have been released. Anyone with information on Taylors whereabouts is asked to contact the Memphis Police Department at (901) 545-2677.

Diane Miller

Authorities in Clayton County, Ga., are seeking the public's help in locating 58-year-old Diane Miller. According to WXIA-TV Atlanta, Miller was last seen leaving her home on Sept. 29. Her caregiver reported her missing on Oct. 9. Authorities said Miller is schizophrenic and suffers from bipolar disorder. Investigators do not believe she has her medicine with her. No physical description of Miller has been released. She was reportedly last seen wearing a blue/black sweater and black pants. Anyone with information is asked to call the Clayton County Police Department at (678) 878-5642.

Chad Cookson

WTNH.com reports that Connecticut police are trying to locate Chad Cookson. The 44-year-old from Naugatuck was last heard from on Aug. 22, when he spoke with his son by telephone. Cookson's son told police his father was depressed because of the recent death of his mother. Cookson is described as 250 pounds and 5 feet 10 inches tall. He has brown hair and brown eyes. His vehicle, a red 2001 Pontiac Montana, with license plate 705-FET, is also missing. Anyone with information on Chad Cookson's whereabouts is asked to contact the Naugatuck Police Department at (203) 729-5221.

Robert Mayer

Robert Mayer, 46, of Dix Hills, N.Y., has not been seen since June 14.Robert Mayer's red 2004 Pontiac GTO was found in the parking lot of the Long Island Rail Road's Deer Park station the day after he disappeared. The keys were not inside the vehicle and according to Mayer's wife, the driver's seat was adjusted much farther forward than her husband typically kept it.Mayer is described as a white male, 6 feet 1 inch tall and about 200 pounds. He has brown hair and green-hazel eyes. He was last seen wearing a gray polo-type work shirt with a J.C. Electrical logo, light blue jeans and black work boots. His left middle finger is missing the tip.Anyone with information is asked to contact the Suffolk County Police Second Squad detectives at (631) 854-8252. Mayer's family is offering a $10,000 reward for information that leads to his discovery. For more information, visit www.helpfindrobertmayer.com.

Erik Lamberg

Erik Lamberg, 51, of Hermosa Beach, Calif., has not been seen since May 28, 2013, when he checked out of a hotel in Laytonville. His vehicle was later found abandoned in Northern California. Despite several searches, authorities have been unable to locate the missing computer security technician.Lamberg is described as 6 feet 5 inches tall, 200 pounds with sandy blond hair and blue eyes.Anyone who may have seen Lamberg or has information about his whereabouts is asked to call the Mendocino County Sheriff's Office at (707) 463-4086. A website and Facebook page have been created to share information in the case.

Willie Michael Wheaton

Willie Michael Wheaton, 57, was last seen at a Greyhound bus station in Jackson, Miss., on the evening of June 17, 2006. Wheaton boarded a bus that was en route to Sacramento, Calif., but it is unknown if he ever arrived. For more information, visit Blackandmissinginc.com.

Nicholas Leis

According to authorities in Miami Township, Ohio, 19-year-old Nicholas Leis has been missing since Aug. 28. He allegedly left his home after telling a witness he was unable to "take the pain anymore."Police say Leis left in his mother's car with a loaded gun. The vehicle was found about a block away from his home not long after the teen left.Nicholas Leis is described as a white male, 5 feet 11 inches, and about 130 pounds. He has brown hair and hazel eyes.Investigators are asking anyone with any information to contact the Miami Township Police Department at (937) 433-2301.Need help? In the U.S., call 1-800-273-8255 for the National Suicide Prevention Lifeline.

Kenneth Lawson

Patricia Bryan has been looking for her father, Kenneth Lawson, since June 6. The 76-year-old was last seen at his home in Union Point, Ga. A number of exhaustive searches have been conducted."We have had no leads on the whereabouts of my father," Bryan said. "He was not always in a state of confusion. He would have moments were he would check out or not know where he was, but this was not all the time. Up till my father went missing, I didn't realize just how many people with dementia and Alzheimer's went missing on a daily basis. The media does not do them justice."

Jennifer Kesse

Jennifer Kesse has been missing from Orlando, Fla., since Jan. 24, 2006. It is believed she was abducted from her apartment complex early that morning.On Jan. 26, 2006, Kesse's car was found abandoned at a condominium complex located roughly 1 mile down the road from where she lived. Valuables were found inside the vehicle, leading police to believe Kesse was not the victim of a robbery or carjacking. Police bloodhounds tracked a scent from where the car was found back to Kesse's condo, but the trail ended there.At the time of her disappearance, Jennifer Kesse was 24 years old, 5 feet 8 inches tall and 135 pounds. She had shoulder-length sandy blonde hair and green eyes. Anyone with information in the case or who would like to donate to search efforts can do so at Findjenniferkesse.com. Tipsters can also call anonymously at 800-423-8477.

Jacob Tipp

Jacob "Jake" Lipp, 27, is missing from North Huntingdon, Pa., last seen Dec. 16 in Pittsburgh by his girlfriend. Lipp and his girlfriend were at Static Bar when they got into a fight and the girlfriend drove off, leaving Lipp at the McDonald's on Penn Avenue around 3 a.m. She came back to get him and he was gone. He has not been seen since.Lipp is 5 feet 6 inches, 160 pounds with black hair and brown eyes. (Missing Persons Of America)

Lauren Spierer

Lauren Spierer, 20, was last seen around 4:30 a.m. on June 3, 2011, just a few blocks from her apartment in Bloomington, Ind. Earlier in the night, Spierer had visited Kilroy's, a nearby sports bar that closes at 3 a.m. When she left the establishment, she left behind her shoes and cell phone, police said.After leaving the bar, Spierer reportedly went to the apartment of Corey Rossman, a fellow college student at the university, before deciding to walk home. What happened to her after that remains a mystery. She was reported missing less than 12 hours later.Bloomington police, Indiana University police, the Monroe County Sheriff's Office, Indiana State Police and the FBI have all conducted searches for Spierer.Lauren Spierer is described as a white female, 4 feet 11 inches tall with a slender build. She has blue eyes and blond hair. She was last seen wearing a white tank top with a light-colored shirt over it and black stretch pants. Anyone with information on her whereabouts is asked to call Bloomington Police at 812-339-4477.

Vilet Torrez

Vilet Patricia Torrez, 38, of Miramar, Fla., was last seen by a friend she met for dinner on the night of March 30, 2012. Authorities have declined to comment on where Torrez went for dinner and will not release the name of the person she was with. Torrez's movements after the dinner are also unknown, but the vehicle she was driving was later found at her residence in the 12900 block of Southwest 28th Court, a gated community off Miramar Parkway.Torrez was scheduled to work March 31 at her job with Bath Fitter in Doral, but she did not show up or call in.On April 2, Torrez was reported missing. Her estranged husband, Cid Torrez, has since been named a person of interest in her disappearance. Torrez is 5 feet 3 inches, weighs 125 to 130 pounds, and has black hair and brown eyes. Anyone with information about her disappearance is asked to call Miramar police at (954) 602-4000 or Broward Crime Stoppers at (954) 493-TIPS.

Michelle Parker

Michelle Parker, 33, vanished on Nov. 17, 2011, the same day that her appearance with her ex-fiance, Dale Smith, aired on "The People's Court." The couple was in dispute over a $5,000 engagement ring. After hearing both sides, Judge Marilyn Milian ordered Parker to pay Smith $2,500. A few hours after the episode aired, Parker dropped her 3-year-old twins off at Smith's condo for scheduled visitation. Parker's 2008 black Hummer H3 was found the following day in a parking lot on the west side of Orlando. Decals for Parker's Glow mobile tanning business had been removed from the windows, police said. Police initially said that Smith was cooperating and was not considered a suspect, but during a later press conference he was named the primary suspect in Parker's disappearance. For more information, visit Find Michelle Parker.

Nieko Lisi

Nieko Lisi, 18, lives in Jasper, N.Y., about 40 miles from Elmira. According to relatives, Lisi was en route to Buffalo when he disappeared. He was last seen around 2 p.m. on Sept. 30, 2011, when he and friend Robert Knight, 20, stopped at Lisi's uncle's home in Addison, N.Y.Knight arrived at his parents' home in Michigan on the morning of Oct. 1, 2011. He allegedly told family members Lisi had dropped him off, but no one physically saw Lisi, police said.Lisi's family reported him missing and on Oct. 5, Michigan police went to talk to Knight about his friend's whereabouts.According to WETM-TV, Knight "suffered some sort of ailment" during police questioning and was hospitalized. Knight was released from the hospital on Oct. 9. The next day, Knight was found dead in his parents' home.Lisi is described as a white male, 5-foot-10-inches tall and 160 pounds, with brown hair and brown eyes. He has a tattoo of Chinese writing on the back of his right arm, a large angel on his right side and a large woman with a devil's tail on his left side. He was last seen wearing jeans, a T-shirt and a silver cross necklace.Anyone with information about Lisi's whereabouts is asked to call New York State Police at (607) 776- 6866. Lisi's family is offering a $2,500 reward for information leading to his whereabouts.

Kelly Armstrong

Kelly Armstrong, mother of a 2-year-old son, has been missing from Kokomo, Ind., since August 2011. Family members became concerned when they were unable to reach her. A missing person report was filed on Sept. 26, 2011.In February 2012, authorities charged Armstrong's boyfriend, Travis Funke, with voluntary manslaughter in her death. According to an arrest affidavit, Funke allegedly told investigators he killed Armstrong around the first of July, placing a plastic bag on her head, wrapping her in a tarp and putting her in a trash tote. The garbage container was supposedly picked up later that same day.Investigators spent six days sifting through 6,000 tons of trash at the local landfill, but were unable to locate Armstrong's remains.Armstrong's father, David Armstrong, doubts Funke's version of events.People interested in helping search or donating funds can do so at Operationfindkelly.yolasite.com. Anyone with information is asked to contact Kokomo police at 765-459-5101.

Robyn Gardner

Robyn Gardner was last seen in Oranjestad, Aruba, on Aug. 2, 2011, traveling with Gary Giordano, an acquaintance she met on a dating website. Giordano claimed Gardner was swept out to sea while snorkeling in waters off Baby Beach. Giordano, 50, allegedly told police he had noticed a current pulling them out to sea and signaled to Gardner that they should return to shore. But when he got to dry land, she was nowhere to be found. Authorities conducted an extensive search of the area, but were unable to locate the 35-year-old Maryland woman's body. On Aug. 5, police took Giordano into custody before he left Aruba. Authorities held Giordano for four months in Gardner's disappearance, but he was released without charges in early December. Gardner vanished in the same Aruban town where teenager Natalee Holloway disappeared in May 2005. Gardner's whereabouts, like Holloway's, remain a mystery. For more information, visit theRobyn Gardner Full Coverage page.

William

Billy Disilvestro, 28, has been missing since Feb. 7, 2011, when his grandmother dropped him off at a friend's house in Hamilton, Ohio. At about 2:30 a.m., DiSilvestro placed two calls -- one to his mother and one to his grandmother. Both calls went unanswered. What happened to DiSilvestro after that remains a mystery.According to police, the friend said DiSilvestro left the house after attempting to contact his mother and grandmother -- presumably for a ride. It is believed he was headed to his grandmother's house about 2 miles away, which would take him through a forested area called Milikin Woods.Authorities have conducted several searches of the area, but have yet to find any sign of the missing man.DiSilvestro is described as a white male, 6 feet 2 inches tall, 180 pounds, with black hair and brown eyes. He was last seen wearing jeans and a gray winter coat with fur around the hood. DiSilvestro has several tattoos, including the word SMOKE across his back, Jesus carrying a cross on his upper right arm, and a large angel on his upper left arm.Anyone with information regarding this case should contact the Butler County Sheriff's Office at 513-785-1300.

Susan Powell

Susan Powell was reported missing by her family on Dec. 7, 2009, when she failed to show up for her job as a stockbroker at Wells Fargo Financial. Her husband, Josh Powell, told police he had been camping with their two children, then ages 2 and 4, and had last seen his wife around midnight. Suspicious of his story, investigators named Powell a "person of interest" in his wife's disappearance. Not long after, Powell and his two children moved back to his hometown of Puyallup, Wash.On Feb. 5, 2012, police say Josh Powell attacked his two boys, Charlie, 7, and Braden, 5, with a hatchet and then set his home on fire, killing the three of them in a gas-fueled explosion.Since that time, a mountain of evidence has emerged that supports law enforcement's decision to name Powell the prime suspect in his wife's disappearance. Nevertheless, her whereabouts remain a mystery.

Natalee Holloway

Natalee Holloway, 18, from Mountain Brook, Ala., disappeared May 30, 2005, while on a trip to Aruba to celebrate her high school graduation. Holloway's classmates said they last saw her leaving Carlos 'n Charlie's nightclub with Joran van der Sloot, then a 17-year-old Dutch honors student living in Aruba, and his two friends, Surinamese brothers Deepak and Satish Kalpoe. All three young men would be arrested in the case, but they were released without being charged.On Jan. 13, 2012, van der Sloot, now 24, was sentenced to 28 years in prison for the slaying of Stephany Flores on May 30, 2010. The Peruvian business student was found dead in van der Sloot's hotel room in Lima that year. Van der Sloot was charged with first-degree murder and robbery in the case. Holloway's body has never been found.

Jessie Foster

Jessie Foster has not been seen since March 29, 2006.According to her mother, Foster was living in Kamloops, British Columbia, in the spring of 2005, when she began traveling to the United States. In May 2005, the then 21-year-old ended up going to Las Vegas.While in Las Vegas, Foster met a man and the two were quickly engaged to be married. The man was reportedly wealthy and the two lived together in a million-dollar home.In 2006, Foster stopped calling her family. Concerned, they contacted her fiance and he allegedly said Foster had left him in April 2006. Foster's family promptly reported her missing to police, but with few clues to follow, the case quickly went cold.Foster is described as 5 feet 7 inches tall and 120 pounds, with blonde hair and hazel eyes. Anyone with information is asked to call Las Vegas Crime Stoppers at 800-222-8477. Foster's mother also maintains a website devoted to the case, which can be found at jessiefoster.ca. According to the site, a $50,000 dollar reward is being offered for information in the case.

Jesse Ross

Jesse Warren Ross was a 19-year-old sophomore when he vanished on Nov. 21, 2006, while attending a mock United Nations conference in Chicago. According to police, Ross was last seen at about 2:30 a.m., leaving the Sheraton Hotel and Towers, where a conference dance was held. Surveillance footage from the hotel does not indicate Ross was intoxicated when he left. He was likely heading to his hotel, the Four Points Sheraton, about 10 minutes away. What happened to Ross after he left remains a mystery. For more information, visit Findjesseross.com.

Brittanee Drexel

Brittanee Drexel, 17, was last seen by friends on April 25, 2009, when she left the Bar Harbor Hotel in Myrtle Beach, S.C., to meet friends at the nearby BlueWater Resort. Surveillance footage shows Drexel arriving at the resort, then leaving roughly 10 minutes later. What happened to her after that is a mystery. For more information, visit Helpfindbrittanee.com.

Corrie Anderson

Corrie Anderson, a 36-year-old mother of three from Chautauqua County, N.Y., was last seen at about 1 p.m. on Oct. 28, 2008. Family members reported Anderson missing at about 3:45 p.m. that day, when she failed to show up at her son's school for a meeting. Two days later, a hunter discovered Anderson's car abandoned about 2 miles from her house. Authorities used ATVs, helicopters and dogs to search areas of interest in the case, but there's been no sign of Anderson. For more information, visit Findcorrie.com.

John James Morris

John James Morris, 38, was last seen on July 30, 2007, in the driveway of his ex-boyfriend's residence on Whites Ferry Road in Dickerson, Md.According to police, Morris' ex-boyfriend was out of town on the day John stopped by to pick up his belongings. Morris has not used his credit card or cell phone since and, according to his family, he did not have his ADD (attention deficit disorder) medication with him when he disappeared. For more information, visit Findjohnmorris.com.

Lakeisha Nichole Archie

Lakeisha Nichole Archie was last seen on Aug. 5, 2002. A family member dropped her off at a residence in the vicinity of Park Street and Buckeye in Sidney, Ohio, and she has not been seen since. Archie has a tattoo that reads "Lakeisha" on the right side of her neck, a tattoo of a black panther on her left forearm and tattoos of claws on each breast. For more information, visit Blackandmissinginc.com.

Ahren Benjamin Barnard

Ahren Barnard was last seen in Boise, Idaho, on Dec. 4, 2004. He dropped his young son off for the evening with the child's mother and presumably drove home. His car was later found parked in his driveway, but he has not been seen since. For more information, visit Helpfindahren.com.

Roxanne Paltauf

Roxanne Paltauf was 18 years old on July 7, 2006, when she disappeared from the Budget Inn hotel in Austin, Texas. According to Roxanne's mother, Elizabeth http://is.gd/FWmrrh Harris, Roxanne had been staying at the hotel with her boyfriend. The couple had an argument and, according to the boyfriend, she left the hotel, leaving all of her belongings behind. For more information, visit Find Roxanne Paltauf.

William

William "Billy" Smolinski, was a 31-year-old resident of Waterbury, Conn., when he disappeared Aug. 24, 2004. Smolinski told a neighbor he was going out of town for a few days to look at a vehicle. He has not been seen since and his truck was later found in his driveway. His keys and wallet were found inside. Investigators searched Smolinski's home and truck, and conducted several interviews but found no clues suggesting what might have happened to him. For more information, visit Justice4billy.com.

Ray Gricar

An esteemed district attorney, Ray Gricar was 59 years old in April 2005 when he vanished. He had served as the district attorney of Centre County, Pa., for nearly 20 years and was preparing to retire at the end of the year. On the morning of April 15, 2005, Gricar called his girlfriend, Patty Fornicola, and told her he was going for a drive on Route 192 toward Lewisburg. The following day, Gricar's red and white 2004 Mini Cooper was found locked and abandoned in a Lewisburg parking lot, not far from the Susquehanna River. Gricar's laptop was later found in the river but authorities never found any sign of the missing DA. For more information, read "Case of Missing Pa. District Attorney Baffles Police, Family".

Jason

Jason Jolkowski was 19 when he disappeared on June 13, 2001, in Omaha, Neb. Jolkowski, an employee at a local restaurant, received a call from his boss that morning and was asked to come in early. Jolkowski's car was in the shop so he arranged to meet a coworker at Benson High School, seven blocks from his home. It is believed that Jolkowski got dressed in his work uniform and then set off for the school. Somewhere along the way, he vanished without a trace. Jolkowski's mother, Kelly Jolkowski, has since founded Project Jason, a nonprofit organization created to assist the families of missing adults and children. For more information, visit Projectjason.org.

Carlos Diaz

Carlos Diaz, of Bronx, N.Y., disappeared on Dec. 23, 1986, after he went out to bury a family pet. He has not been seen since. He is described as a Hispanic male with brown hair and brown eyes. He was 5 feet 8 inches tall and weighed 170 pounds at the time of his disappearance. He has a tattoo of the initials C.D. on his left hand. For more information, visit Findthemissing.org.

http://www.huffingtonpost.com/2013/05/03/grover-prewitt-arrested-oklahoma-cold-case_n_3208315.html

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Owner Struggling to Sell Property - KRGV

RIO HONDO -

A Cameron County man is in a four-way battle between two cities, the county and a fire hydrant. He said conflicting zoning laws are keeping him from selling his property.

Joe Hinojosa, the land owner, said hes eager to sell his 3/4 acre property in Rio Hondo. He said that before he could sell his property, he has to subdivide it and install a fire hydrant.

"To run the line, it will cost me $15,000, to put the fire hydrant its $5,000, that's $20,000," Hinojosa said.

The amount he would have to pay is more than his property is worth. Hinojosa said his neighbors dont have a fire hydrant.

Hinojosa said he lives in Rio Hondo. The city of Rio Hondo said he lives outside of city limits. He called Cameron County Planning Department and they told him that he is a Harlingen resident.

The city of Harlingen told Hinojosa that he is not a taxpayer, but if he wants to subdivide his property, he has to get a fire hydrant from Rio Hondo Fire. Hinojosa said he is confused on what to do.

The city of Harlingen said the property that Hinojosa lives in is called an extra territory. An extra territory is a piece of land that is in the county but is close enough to a municipality, so that local fire regulations apply.

If Hinojosa wants to sell his property, he must meet Harlingens fire code regulations.

That would apply to, not only extra territorial jurisdiction, but any kind of residential or business development," said David Ralph with the city of Harlingen.

Extra territory properties carry many complications.

"Our departments offer a developers meeting, that can be arranged, and usually they are held on a Thursday, Ralph said.

City, county and fire department workers attend the developers meetings. These meetings are a chance for property owners to plead their case to everyone involved in the planning process.

Harlingens special developers meeting could be the ticket for Hinojosas property sale.

The meeting applies to anyone in Harlingens jurisdiction with planning and zoning issues.

Property owners must take these steps to prepare for the meeting:

Owners must create a preliminary plan. This is essentially the plan or changes to a property.

They must submit a variance request. The request must include all special conditions and hardships.

When owners attend the special developers meeting, they will need to bring in copies of a drawing or maps for discussion.

The project cannot be scheduled for consideration unless all items are paid for and marked for approval.

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Meet Nathan Birch: He's 30 and owns 170 properties - SBS

Nathan Birch grew up in Sydney's western suburbs and from a young age, worked two jobs to fund his desire to enter the property market.

He arrived at an interview with SBS World News at his latest investment project in north-west Sydney in a blue ute.

"As you can see by my car, my family are blue collar workers from western Sydney."

He bought his first property in Mt Druitt when he was 18 in 2003 for $248,000.

He says he did it on his own.

"There were no handouts from parents."

His strategy is to buy and hold, with property managers helping him to keep on top of his portfolio now worth $37million.

"The bulk of my property investing has been on interest only loans, so for example I've bought property that was below market value with a lot of equity from day one built into them, and then they revert to principle and interest. All of my investing has been in positive cash flow, I don't like negative gearing because it is a loss-making vehicle."

He earns $2million in rent which fall to $500,000 after expenses.

He says he's not worried about his debt which stands at $13million.

"From my perspective I treat my debt like a business and I look at debt as part of the game that I'm playing. As far as loan-to-value ratio, I've got a lot of equity in my properties. God forbid...Touch wood, if something goes wrong I've got a lot of equity there."

Nathan Birch certainly isn't the only person borrowing more money to invest in property.

The Bureau of Statistics said today the value of loan approvals to owner-occupiers rose by 2.2 per cent in July to more than $19billion. It said investors borrowed 0.5 per cent more, at $13.6billion.

Investment housing

Robert Mellor, Managing Director at property analysis company BIS Shrapnel says that's expected to cool as the bank's recent tougher stance on investor lending takes effect.

"That would flow through over the next three or four months."

But Robert Mellor does have some concerns about certain aspects of the market.

"It's time to be cautious, I mean particularly if you're buying off the plan you're paying fairly top value for property. You're paying a significant premium for new property over established property in many areas."

He adds, some areas are too hot.

"While we think apartment markets are heading into oversupply, particularly in Brisbane and Melbourne, certainly your owner-occupied detached housing market still probably remains undersupplied, certainly significantly in Sydney and Brisbane, and to a lesser degree in Melbourne."

Nathan Birch, who now runs a property investment group, is also cautious.

"The Sydney market is quite hot, there is still opportunity out there but it is minimal. You have to be very creative to create profit in the current market, however there are lots of opportunitiesoutside of Sydney."

Nathan is also using Instagram as a selling tool, and that's also where he revealed why he is driving his blue ute at the moment... His Bentley is up for repair.

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Home News How to Help Protect Your Investment Property - yourMortgage.com.au (blog)

Question: Im new to property investing what risk management strategies can I put in place to protect my investment?

Answer: By Carolyn Parrella, Executive Manager, Terri Scheer Insurance

Owning your own investment property can bring with it significant financial benefits.

A good risk management plan is vital to not only protecting your investment strategy, but also ensuring a positive investment experience.

Here are some common things that could form part of a risk management plan:

Find the right property

When looking for an investment property, its important that you do your research.

Think about the type of tenant you want to attract (e.g. family, sole tenant, couple) and choose a property that has the features that may be most likely to appeal to them.

Properties that are close to good schools, shops and public transport are likely to be well sought after. This may also give you a larger pool of quality prospective tenants from which you can screen and select.

Well-presented properties, those with a clean, tidy and low-maintenance garden, may encourage tenants to treat it as their own as it causes fewer hassles and allows them to focus on their day-to-day business. This may also encourage tenants to pay their rent on time or extend their rental agreement beyond the current lease.

Consider a property manager

Being a property investor brings with it many responsibilities that can be costly and may require a significant time commitment.

Duties such as tending to maintenance issues promptly, addressing potential liabilities and conducting regular property inspections are just some of the things that a property manager may be able to carry out on your behalf.

Property managers may also have more experience and resources to screen and select tenants. They may also be able to cross reference applicants with an established database that lists tenants who have defaulted on rental payments, maliciously damaged a property or have been evicted.

Consider appropriate landlord insurance

A standard building and contents insurance policy generally wont cover landlords for many of the specific risks associated with owning an investment property.

Even the most careful of tenants can accidentally damage a property or lose their job and be unable to pay rent.

This can be extremely costly for a landlord, both in terms of repairs, loss of rental income, and their own time and resources. Although bond is collected at the commencement of a lease, this may be insufficient to cover such losses.

Consider contacting your preferred real estate agent or a reputable landlord insurance provider to arrange a policy that can cover risks like malicious and accidental damage, loss of rental income, and legal liability.

A landlord insurance policy may help investors to safeguard their assets and ease their concerns by minimising the impact on their rental income.

These types of policies may also provide cover if a court orders a tenants eviction or terminates the rental agreement due to tenant hardship.

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Carolyn Parrella

Carolyn Parrellajoined Australia's leading landlord insurance specialists, Terri Scheer Insurance, in 2004 and was appointed Executive Manager in 2009.

Carolyn oversees all operations within business, which aims to protect landlords against the risks associated with owning a rental property. These include malicious damage by tenants, accidental damage, legal liability for occurrences on the property that cause death or bodily injury, and loss of rental income as a result of damage to a property or a tenant absconding.

As a South-Australian based national insurance firm, Terri Scheer Insurance is the only company in Australia to specialise solely in landlord insurance.

Carolyn also owns two investment properties.

For further information, visit www.terrischeer.com.au or call 1800 804 016.





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Property prices in Dubai plummet by more than 12pc - Irish Independent

Matthew Martin

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The decline in the twelve months through June was the biggest in 56 mainstream residential markets and larger than the 12pc fall in real estate prices in Ukraine, which has been hit by almost two years of protests, a separatist insurgency, and political upheaval, Knight Frank said in a report. Prices in Dubai fell 2.8pc in the second quarter. Hong Kong was the best performing residential market, with prices up by 20.7pc.

Over the past decade, Dubai's property market has swung from boom to bust and back again.

Price gains in the two years through 2014 recouped much of the losses incurred in a 2008 collapse that pushed the city to the brink of bankruptcy before a recovery.

Then, prices started falling again this year amid oil's slump and weaker currencies in Russia and Europe. (Bloomberg)

Indo Business

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