PropertyInvesting.com | MJK | Activity https://www.propertyinvesting.com/members/mjk/activity/ Activity feed for MJK. Sun, 12 Apr 2026 02:45:03 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 cb46b84bcf66e8503e7651f9058d4c2c MJK replied to the topic -ve geared property in the forum No Subject https://www.propertyinvesting.com/topic/4377031-ve-geared-property/page/2/#post-4495814 Wed, 01 Dec 2004 11:51:54 +0000 Everything in the house will have a current value that can be depreciated and a good quantity surveyor should be able to sort that out.
I have had schedules done on old homes and found that the councils keep records of permit applications etc… which has pointed out more recent renovations and additions. Its always been worthwhile for me.

MJK

]]> c7b5d15f5c6d48ac5ee1b42b675f8f68 MJK replied to the topic -ve geared property in the forum Help Needed! https://www.propertyinvesting.com/topic/4377031-ve-geared-property/#post-4495809 Fri, 26 Nov 2004 04:23:17 +0000 Summer,

I wouldn’t sell if its a nice property. It will cost you heaps more than the $150pw to sell.

Have you considered applying for a “PAYG Income Tax withholding variation”? This is a standard procedure for negitively geared property and will increase your cashflow.

Have you had a quantity surveyors report done so you can get max deductions…[Read more]

]]> 850693934c6e77d36dd70eecc832d900 MJK replied to the topic Melb CBD Appartments in the forum Help Needed! https://www.propertyinvesting.com/topic/4376821-melb-cbd-appartments/#post-4494598 Thu, 04 Nov 2004 12:53:58 +0000 Most of these apartments being sold under 200k with long leases are student accomodation in huge blocks that are essentialy managed investments. Could be positive cash flow but not enough to make it worthwhile and cap growth may be non existant.Not what I’d call an investment for a fully geared aproach

MJK

]]> 9e9bbd93ab3865e5dc5f363cf5313fe4 MJK replied to the topic commercial property investment in the forum Help Needed! https://www.propertyinvesting.com/topic/4375236-commercial-property-investment/#post-4484913 Fri, 30 Jul 2004 05:44:41 +0000 What are the details. Eg lease lenght , %return, outgoings paid by who ?
Finance will be more expensive and deposit will need to be 30% but I think commercial is the +cf to be going for if you can.

MJK

]]> c713053e24bb891e2723ba78f472795e MJK replied to the topic Cash flow + property -- who needs it??? in the forum No Subject https://www.propertyinvesting.com/topic/4374961-cash-flow-property-who-needs-it/page/2/#post-4482464 Wed, 28 Jul 2004 11:15:36 +0000 I think you have to have both kinds of properties. Unless you want to live of equity draw downs, you will have to sell a property that has had good capital growth. Once sold the gain can be paid into high yeilding +ve cash flow investments to create the passive income stream.
I like to use commercial property as the +cash flow part of the equation…[Read more]

]]> f391aa2b4ed600f74e82c7a50387ab9d MJK replied to the topic Forum visitors in decline in the forum General Property https://www.propertyinvesting.com/topic/4373800-forum-visitors-in-decline/page/4/#post-4474365 Wed, 26 May 2004 06:29:10 +0000 I do as Brenda does. I always have. I like to be in control. I have a better understanding of my portfolio than my acountant ever will.

I provide my accountant with one page breakdowns for each property. I don’t think I could trust anyone else to assess it all correctly.
My accountant does the lodging.

Personally I think turning up at your…[Read more]

]]> a6adccfcf3ef849abea30eecddd591ef MJK replied to the topic Forum visitors in decline in the forum No Subject https://www.propertyinvesting.com/topic/4373800-forum-visitors-in-decline/page/3/#post-4474340 Fri, 21 May 2004 01:11:55 +0000 Yep, I’ve been gone for a while. The last time I complained in my imfamous post ” Its going downhill” I copped it big time from the uni students trying to buy houses in between exams.Don’t write another book Steve HeHe.

MJK[fear]

]]> be1e263f029b13d386a1e44e5751031e MJK replied to the topic Commercial properties in the forum General Property https://www.propertyinvesting.com/topic/4371341-commercial-properties-2/#post-4455000 Thu, 19 Feb 2004 03:26:06 +0000 Do a search. There is plenty in the archives.

MJK

]]> 402a142f96117785482581f1e92177a0 MJK replied to the topic Should we fix at 6.95%? in the forum No Subject https://www.propertyinvesting.com/topic/4371287-should-we-fix-at-6-95/#post-4454657 Tue, 17 Feb 2004 02:23:14 +0000 Often a downside to fixing is when the fixed rate expires you’ve lost your negotiated discount on the variable.
Eg. i get a 0.05% discount of the vairiable for the term of the loan. If I fix I lose this forever, so to speak.Perhaps it can be renegotiated.

MJK[V]

]]> 81d55959302fcba1be944efb18c4dfb2 MJK replied to the topic Brisbane Property in the forum General Property https://www.propertyinvesting.com/topic/4370498-brisbane-property-2/#post-4448466 Sun, 18 Jan 2004 04:51:28 +0000 Kit doctor,

I sent you a contact that can help with cap growth property by email.

MJK[:D]

]]> 6824003848374572936988b0c958a7f2 MJK replied to the topic annuity programs in the forum General Property https://www.propertyinvesting.com/topic/4370520-annuity-programs/#post-4448598 Fri, 16 Jan 2004 03:22:23 +0000 Cash poor,

Check out http://www.navra.com.au
Your talking about using equity not deposit cash bonds are’t you?

MJK

]]> a8332bff898d5cd3c7b2b220dfe1c2fa MJK replied to the topic does anyone think.... in the forum General Property https://www.propertyinvesting.com/topic/4370527-does-anyone-think/#post-4448659 Fri, 16 Jan 2004 03:06:06 +0000 I agree with Kays sentiments. I dont want to own property in the towns that are offering positive cashflow residential at the moment.

I think the experienced investor now needs to focus on having a cashflow positive portfolio rather than putting the focus on the next asset.

You could,
1.Sell a property and pay down some debt.
2.Buy a…[Read more]

]]> 1041b7d9a27e6ff4c5cc5b5097a725cf MJK replied to the topic Brisbane Property in the forum General Property https://www.propertyinvesting.com/topic/4370498-brisbane-property-2/#post-4448464 Fri, 16 Jan 2004 02:56:55 +0000 Elves,

You may have been in the right place at the right time by accident but those of us who have been doing property for more than ten years make it a habit.

And dont forget some see what others dont.

MJK[;)][:)]

]]> cd880f9cd6a628747c4fe9d395408dd4 MJK replied to the topic Brisbane Property in the forum General Property https://www.propertyinvesting.com/topic/4370498-brisbane-property-2/#post-4448462 Fri, 16 Jan 2004 01:54:21 +0000 The key to buying in brisbane in times of moderate growth is…….

MAKE SURE YOU BUY AT CORRECT MARKET PRICE NOT ABOVE!!!

Buying at auction or private sale usually achieves this but buying from a developer rarely does.
If you cant be in Brisbane yourself get a good buyers agent to help you.

Just a hint for those getting started.[:D]

MJK

]]> 5b051d819cb68de65de054526f368f59 MJK replied to the topic Brisbane Property in the forum General Property https://www.propertyinvesting.com/topic/4370498-brisbane-property-2/#post-4448459 Thu, 15 Jan 2004 06:32:01 +0000 Go to http://www.bulletin.ninemsn.com.au

Scoll down the page and find the article “Crystal Ball”

Read the property link.[^]

As you can see I dont know how to put a link in!but its a good read.[:I]

MJK

]]> a47f4eab90eacc4c5c6201318ded1679 MJK replied to the topic Brisbane Property in the forum No Subject https://www.propertyinvesting.com/topic/4370498-brisbane-property-2/#post-4448456 Thu, 15 Jan 2004 04:16:46 +0000 I cant tell you what will happen but I can tell you what I think may happen.
My money is on slower capital growth say 10% pa over the next couple of years. My reasoning is because it offers the best value on the east coast.
By value I mean (1) low vacancy rates (2) lower priced property relative to distance from CBD (3)population growth (4) strong…[Read more]

]]> 3b7489cec50b3950d799b5774811510b MJK replied to the topic Rising Interest Rates in the forum No Subject https://www.propertyinvesting.com/topic/4370474-rising-interest-rates/#post-4448186 Wed, 14 Jan 2004 00:56:03 +0000 Originally posted by westan:
welcome to the forum pricey

yes, you are right enough rate rises will turn a cash positive into a negative one……….
……….
the other point is what happens to negative geared properties when interest rates go up – it hurts even more.

Westan,
The problem with this argument is that the reason people are buying…[Read more]

]]> be17251b34a05ec6325132d70220c0e6 MJK replied to the topic Residential as opposed to commercial in the forum General Property https://www.propertyinvesting.com/topic/4370443-residential-as-opposed-to-commercial/#post-4448002 Wed, 14 Jan 2004 00:46:51 +0000 Darren,

Thanks for your reply.Sounds a great investment.[^]

What do you mean by gross & net ? Are you talking about outgoings or GST?

Do you have one tenant running the business or are the individual customers your tenants.

MJK[:)]

]]> 655973e66cdb507cb7c4938b84341f3e MJK replied to the topic Residential as opposed to commercial in the forum General Property https://www.propertyinvesting.com/topic/4370443-residential-as-opposed-to-commercial/#post-4447998 Tue, 13 Jan 2004 07:02:14 +0000 DarrenB,

What sort of return are you getting on the self storage complex. And what sort of outgoings.
Did you develope this investment or did you buy it as a going concern ?[:o)]

Sounds Interesting[:)]

MJK

]]> edf61d95aab320ee95bacb82cf787f03 MJK replied to the topic land tax is it called council rates in NSW ? in the forum General Property https://www.propertyinvesting.com/topic/4370268-land-tax-is-it-called-council-rates-in-nsw/page/2/#post-4446422 Tue, 13 Jan 2004 05:47:09 +0000 Sorry Mel,

Something made me think you were from Brissy. Anyway thanks for your help.[:D]

MJK

]]> 8120d97374b72f406c5f1fa3046010ce MJK replied to the topic land tax is it called council rates in NSW ? in the forum General Property https://www.propertyinvesting.com/topic/4370268-land-tax-is-it-called-council-rates-in-nsw/page/2/#post-4446419 Tue, 13 Jan 2004 05:02:02 +0000 So I rang the OSR and one of my properties is not comming up on there computer??? They said don’t worry when we find it we will issue a notice.
They said I didn’t need to contact them for assessment. They will contact anybody who is over the threshold. Without one of my properties in the database I was below last year.
Is this a good thing? One…[Read more]

]]> bdf76fe43d3353ecd28d67ea0e2b15f1 MJK replied to the topic land tax is it called council rates in NSW ? in the forum General Property https://www.propertyinvesting.com/topic/4370268-land-tax-is-it-called-council-rates-in-nsw/page/2/#post-4446418 Tue, 13 Jan 2004 04:41:46 +0000 Thanks ChanDollars,

Perhaps thats what I should do.

MJK

]]> d9650ba63c2da7af67729696ec07b096 MJK replied to the topic land tax is it called council rates in NSW ? in the forum General Property https://www.propertyinvesting.com/topic/4370268-land-tax-is-it-called-council-rates-in-nsw/page/2/#post-4446416 Tue, 13 Jan 2004 03:42:41 +0000 Thanks Erika,

I did wonder if they would send a bill.
They didn’t last year.
I must have been just under. This year I should come in around 500k unimproved. Ouch! Lets see if they send a bill this time.

If they dont send one I suppose I’d better apply fo assesment.

MJK

]]> 8fe5c7754ce97f0f3eb8c84ea2950899 MJK replied to the topic land tax is it called council rates in NSW ? in the forum General Property https://www.propertyinvesting.com/topic/4370268-land-tax-is-it-called-council-rates-in-nsw/page/2/#post-4446414 Tue, 13 Jan 2004 03:33:52 +0000 Actually no Mel. I’m talking your home town. Brisbane. The post was originally started by a NSW person but I’ve hijacked it.

I did have a look a the qld website but I wanted to her personal experiences.

MJK

]]> 7be688df7c7b56924a8d9df7c4e07211 MJK replied to the topic Residential as opposed to commercial in the forum General Property https://www.propertyinvesting.com/topic/4370443-residential-as-opposed-to-commercial/#post-4447994 Tue, 13 Jan 2004 03:28:15 +0000 I just bought my first commercial last year.

I think youve got to be ready for it. If my tenant moved out I would have to pay $2800 in interest to the bank every month without income where as if a tenant moves out of one of my houses it will only cost me $700 per month.

Now if a residential tenant moves out I expect to get another in 4 weeks

If…[Read more]

]]> fbe221f2d409f8274d0c9607b9f1cfc2 MJK replied to the topic land tax is it called council rates in NSW ? in the forum General Property https://www.propertyinvesting.com/topic/4370268-land-tax-is-it-called-council-rates-in-nsw/#post-4446412 Tue, 13 Jan 2004 03:13:41 +0000 Soooo……. no replies means nobody is paying land tax ?[8)]

MJK

]]> 52f172f852ea87ed76480e9df1747726 MJK replied to the topic How to privately Sale Your IP while still tenant? in the forum General Property https://www.propertyinvesting.com/topic/4370441-how-to-privately-sale-your-ip-while-still-tenant/#post-4447955 Mon, 12 Jan 2004 07:49:05 +0000 Its no big deal.
Just let your agent handle it.
It will be easier if yiu sell through your property manager/agent as they will know the tenant.
If your selling you don’t have to worry about the tennants leaving as much do you?

MJK

]]> c00369d10d760a462fb9c3b22a03e94d MJK replied to the topic land tax is it called council rates in NSW ? in the forum General Property https://www.propertyinvesting.com/topic/4370268-land-tax-is-it-called-council-rates-in-nsw/#post-4446411 Mon, 12 Jan 2004 07:45:26 +0000 So what do people do?

Do you pay the tax just before the end of the financial year so as to get your refund asap ?

Do you lodge for land tax separate to your tax return or with your tax return ?

MJK

]]> 795f0402ae4f31b1f109934902b34e8a MJK replied to the topic land tax is it called council rates in NSW ? in the forum General Property https://www.propertyinvesting.com/topic/4370268-land-tax-is-it-called-council-rates-in-nsw/#post-4446407 Mon, 12 Jan 2004 02:22:39 +0000 Land Tax is tax deductable isn’t it ?

]]> 2dffcbfbdd46a2e8c8cf850a579e83b6 MJK replied to the topic land tax is it called council rates in NSW ? in the forum General Property https://www.propertyinvesting.com/topic/4370268-land-tax-is-it-called-council-rates-in-nsw/#post-4446406 Mon, 12 Jan 2004 02:21:05 +0000 So do you go by the unimproved valuations on your rate notices or do you have to lodge for assesment ?

MJK

]]> 048ad13d609976a750a693daa6d22244 MJK replied to the topic land tax is it called council rates in NSW ? in the forum General Property https://www.propertyinvesting.com/topic/4370268-land-tax-is-it-called-council-rates-in-nsw/#post-4446403 Wed, 07 Jan 2004 01:26:21 +0000 How can you submit a return when they havn’t given you all your land valuations ? I received 3 valuations but still have more properties with no valuations yet. ( example from QLD. )
Do they submit valuations to oners annually ?

Also land tax is tax deductable isnt it ? So how is this recouped when you sell if you havn’t been paying or claiming…[Read more]

]]> 2a7e9bf7744340b8df4fa98a38559c85 MJK replied to the topic The Future? in the forum General Property https://www.propertyinvesting.com/topic/4370324-the-future/#post-4446925 Wed, 07 Jan 2004 00:35:10 +0000 Personally Kay, I think there is a time to stay out of the property market ( that is new purchases ) and that is now.
Rental returns need to improve and capital growth in most areas has probably done its dash.
I’m not saying there will be no growth in the future, all I’m saying is entry into the market may be better timed in a year or two.

MJK

]]> db14935310053fdf8d6052171737d85a MJK replied to the topic API Mag Stats in the forum No Subject https://www.propertyinvesting.com/topic/4370327-api-mag-stats/#post-4447026 Wed, 07 Jan 2004 00:23:08 +0000 Their Median prices and growth rate seem to be a bit conservative also.

MJK

]]> e8fbd2650fe9dae65196a3df49117911 MJK replied to the topic Due diligence for Commercial Property in the forum General Property https://www.propertyinvesting.com/topic/4369796-due-diligence-for-commercial-property/#post-4443001 Wed, 10 Dec 2003 12:59:31 +0000 Damian,

When I purchased my commercial property the offer was subject to a ” deed of extension to the lease” for three years. Once the offer was accepted this was written into the special conditions of the contract so that if the extension was not signed the deal would not go through.

MJK

]]> a6391caf049025b3dd5fa4f263c83f1c MJK replied to the topic +ve cashflow in brissy cbd??? in the forum General Property https://www.propertyinvesting.com/topic/4369810-ve-cashflow-in-brissy-cbd/#post-4443043 Thu, 04 Dec 2003 02:08:20 +0000 Rent seems too high and unit too cheap!
At 90K in the Brissy CBD it must be an undesireable unit ? Why would anyone pay 250 PW for an undesireable unit ?

OK so if its all true, go for it. The figures stack up as a cash flow option. Forget about capital gain though if it is an undesireable unit.

Paying rent will never help you get ahead.

Re the…[Read more]

]]> fc1f4e4155c58619aa77cc3b7c888e8b MJK replied to the topic GST on commercial property in the forum General Property https://www.propertyinvesting.com/topic/4369751-gst-on-commercial-property-2/#post-4442598 Tue, 02 Dec 2003 06:21:23 +0000 Sounds about right. I recently purchased a commercial property as an “ongoing concern” and it was not subject to GST. It’s the way to go I reckon.A quick phone call to your accountant may reassure you.
I still registered for GST and got an ABN because I am collecting GST with the rent.
If commercial rental income including recovered outgoings is…[Read more]

]]> ede9de75a5fd1a34f06ba23afc65f909 MJK replied to the topic Ss complete ver 1.0 in the forum No Subject https://www.propertyinvesting.com/topic/4369146-ss-complete-ver-1-0/page/3/#post-4437437 Wed, 05 Nov 2003 07:37:55 +0000 Hey Fudge,

Where you gonna get a property fot 160k that rents for $280 pw ?

MJK

]]> e889a7447dde0916a1c16886a5c14088 MJK replied to the topic Buyers Agents in the forum General Property https://www.propertyinvesting.com/topic/4369177-buyers-agents-7/#post-4437627 Mon, 03 Nov 2003 07:05:43 +0000 Email sent.

Perhaps I sould say that I don’t think my agents will be the type to find “11 second rule” properties, although the commercial property is, it was $470,000 which may not fit everyones criteria.
The residential agent found me capital growth properties that I could nuetrally gear.

MJK

]]> 299c34e0e0c26c359aef76afe920408c MJK replied to the topic Buyers Agents in the forum General Property https://www.propertyinvesting.com/topic/4369177-buyers-agents-7/#post-4437625 Mon, 03 Nov 2003 06:34:46 +0000 Sent an email to you.

MJK

]]> 2d6a927fb05d8cf8186fbc31937ab514 MJK replied to the topic new investor in the forum General Property https://www.propertyinvesting.com/topic/4369188-new-investor-4/#post-4437686 Mon, 03 Nov 2003 06:17:07 +0000 There was a post on favourite books a while back you could search for. I think books are the best way to learn apart from doing.
What you will find is most books have a different slant and you’ll have to work out the best approach for you.

EG.
Positive gearing – Steve McNight 0-30
Positive cashflow – Margaret Lomas ( author. )etc…
Capital…[Read more]

]]> 72e98d4b48bfedaaa3f01c3e012076b3 MJK replied to the topic ITS GONE DOWNHILL! in the forum Opinionated! https://www.propertyinvesting.com/topic/4368954-its-gone-downhill/#post-4435814 Mon, 03 Nov 2003 06:06:48 +0000 Sooshie,

Re the fresh meat comment.

I’ve never suspected Steve was a con.
But I must say I did become mildly Cynical with this Today Tonight Business and the frenzie the book has created.
Unfortunately I can be a bit sarcastic.

MJK

]]> 5e79874fc96f131aaf4ba7baa9f01843 MJK replied to the topic St George Portfolio Loan Experiences in the forum No Subject https://www.propertyinvesting.com/topic/4369183-st-george-portfolio-loan-experiences/#post-4437663 Mon, 03 Nov 2003 05:43:29 +0000 Doug,

I have no idea they just sent it to me. Like I said I’ve been with them a long time and have no personal debt. I suspect it has more to do with how much you borrow and having a good track record of making repayments. I wouldn’t say its anything to aspire to but I thought I would mention it so people could see where I was comming from.

PS.…[Read more]

]]> f86f68fbfbc53e95fefdb205cae94dac MJK replied to the topic ITS GONE DOWNHILL! in the forum Opinionated! https://www.propertyinvesting.com/topic/4368954-its-gone-downhill/#post-4435812 Mon, 03 Nov 2003 05:08:41 +0000 Chastised I suppose, but it took a while !

In my defence I was refering to the flood of “newbies” all hitting at once rather than the occasional.

I sincerly hope all you newbies suceed.And those that became a little overly upset the same.
I suppose being honest, even in the soap box section, is not worth it.

Mind you I’ve done my bit to answer…[Read more]

]]> 1f973b2a9a78e6d2fc868d495e69f719 MJK replied to the topic Buyers Agents in the forum General Property https://www.propertyinvesting.com/topic/4369177-buyers-agents-7/#post-4437623 Mon, 03 Nov 2003 03:32:32 +0000 Roxy,

I personally find using a buyers agent the only way to go when investing interstate. I used a realestate agent that acted as a buyers agent for me by showing me property that wasn’t listed with her organisation. Also I used a reputable buyers agent to help me buy a commercial property.
The point I would make is that you need to be actively…[Read more]

]]> 34c92ede0b036b07ad67cb91495943f0 MJK replied to the topic St George Portfolio Loan Experiences in the forum General Property https://www.propertyinvesting.com/topic/4369183-st-george-portfolio-loan-experiences/#post-4437660 Mon, 03 Nov 2003 03:14:40 +0000 Simon,

I like the St George PL. I use it myself.I like it because you can have money preapproved and in your account undrawn ( ready to use ) typical line of credit I suppose. They give me 5.97% interest on my primary account & sub accounts. I like to use the available funds to fund a 20% deposit and chase 80% stand alone funds elsewhere. I am a…[Read more]

]]> 2405b5681d9c6481def4398228976093 MJK replied to the topic The bubble is going to burst .......... in the forum No Subject https://www.propertyinvesting.com/topic/4369126-the-bubble-is-going-to-burst/#post-4437271 Thu, 30 Oct 2003 05:48:47 +0000 Thanks Mort Man,

I was going to make this point myself but thought I’d said enough. Over extension is the real issue, lesser so the market.I agree with you.

MJK

]]> bd8c1333eebfc41a49b6f028bb8c30a8 MJK replied to the topic The bubble is going to burst .......... in the forum General Property https://www.propertyinvesting.com/topic/4369126-the-bubble-is-going-to-burst/#post-4437269 Thu, 30 Oct 2003 05:24:54 +0000 Polar Bear,

” Voila , you have your bust ”

I think your confusing property with shares.

The last propery crash was caused by 17% interest rates. Now thats doom and gloom!

MJK

]]> ea31b9d6f1f20d58dcb4d1ece1ab8d2f MJK replied to the topic The bubble is going to burst .......... in the forum General Property https://www.propertyinvesting.com/topic/4369126-the-bubble-is-going-to-burst/#post-4437266 Thu, 30 Oct 2003 04:49:47 +0000 Some people will believe anything wont they ?

The world is a different place today. I think the past is usefull but not always a garantee of the future. If anything our high dollar may see a slowdown in Australia now, and ease pressure for rate increases. Were talking property soft landing not property crash in my opinion.
These people waiting…[Read more]

]]> 957fcda4f79d2e364d8212d271124cb3 MJK replied to the topic Effect of Interest Rate Rises in the forum General Property https://www.propertyinvesting.com/topic/4369102-effect-of-interest-rate-rises-2/#post-4437106 Wed, 29 Oct 2003 04:41:40 +0000 Maximillion,

If you have a property earning 10% and costing 8% ( 6.5 in interest and 1.5% in costs ) you can afford a 2% rise in interest rates before it goes nuetral ( which is not yet negative ) The point to consider is is it worth holding nuetral property in rural areas ?????
Now if you can find a 20% return then great. I cant!
So if you do…[Read more]

]]> 2a329c20d81711791167afb4db684c6f MJK replied to the topic What age do you wish to retire? in the forum Opinionated! https://www.propertyinvesting.com/topic/4368959-what-age-do-you-wish-to-retire/#post-4435851 Thu, 23 Oct 2003 05:47:38 +0000 My target was 45 but I’m considering 42 now.
My current age is 38.

” Aim for the stars, if you miss you will land on the moon. ”

MJK

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