Hi Gracy, I suggest you have a read of Margaret Lomas’ books. She goes through the maths quite thoroughly, and it’s easy to follow. Sure, any net loss is 100% tax deductable, which means that you get a subsidy at your marginal rate. I’m not sure how you are getting 34% tax, unless you are talking about your average overall tax. You need to be…[Read more]

Ctl C and thence Ctl V doesn’t work for me on this forum.

It does on other foums.

The moderator came up with the same suggestion so I am still stuck with the question why it works on other forums and not on this one.

I wonder whether others have the same experience ?

I have actually discovered this morning a way how to do it though I would…[Read more]

>>If you think you are “smart enough” to see through these TV reports, or that they have no bearing on you, then you are fooling yourself.
To me, suggesting that it is just ratings hype, or poor journalism, misses the point entirely.<<

I would say, Dino, that the point you appear to miss is that these scums aren’t interested in the truth so muc…[Read more]

Haven’t seen a post anywhere else, so am responding in this one. I thought there would be more Bris Vegas people out there who would like to catch up. Who’s going to Steve’s seminar in November? Could organise something around that????
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Where do you guys live. I have a great 3 foot aquarium with timber stand and custom built black wire cage on top – and a verandah ledge on it. It has ramps, a rody hut,hammocks and a cool coke bottle drinky. All the things your little ones could enjoy as home. Sadly I have no use for it anymore – email me if you would like ideas about it or…[Read more]

God calls each of us to be the best that we can be. He asks us to put Him first, and everything else second. I am seriously chasing financial independence, but I have soul searched, and would have to say that at the end of the day, I would be prepared to give it all up if that was what was called for. God has never let me go without. Several…[Read more]

I’m with Malachi and Bill – I purchased my first property and started learning about positive cash flow and stuff 10yrs before I joined the forum – newbie is relative, and should not be the judgement platform for knowledge. Each of us brings different knowledge and info to the forum. I have seen lots of questions asked about things I know the…[Read more]

Hi Craig, do the Ambulance Service of NSW have volunteers. The Queensland service do. Another option along the lines of ‘bionic carrots’!!! (sorry Wil and Del – I couldn’t resist using the term for you SES guys who help us out so much!!!) is the St Johns Ambulance Service. They do a lot of volunteer work providing first aid coverage at events…[Read more]

If I EVER look like santa – shoot me, or patent me and make millions for the hairiest fattest lady!!!
Lisa[]

If I EVER look like santa – shoot me, or patent me and make millions for the hairiest fattest lady!!!
Lisa[]

Hi Arty, no I never cut Jack or Harry’s nails. you could try putting something rough down on the floor for them to run and play on. Their moving around will blunt the little tackers nails for you without undue stress and the blunting of nails on you!!! I put some rough bricks in the boys’ house so that when they climbed, they climbed up the…[Read more]

Thanks Sooshie and Mini. Westan emailed me today and told me doing OK with ANZ over there. I will try the broker, a few more phone calls and ANZ!!
Cheers guys.
Lisa R[]

damn the secrets out!! LOL

no…..I was looking for a new cage for the babies and stumbled on the site…looked interesting…and I can place an ad to sell that billiard table you NEVER use!! hahahahaha

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if you are already a woman hun ya half way there!!

I saw them, and I think like most groups, some of them will get rich and others would have wasted their money [8D] The only difference they have is its exclusively women….which means theres no male slaves….and thats NO FUN!! LOL

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Well mel…..you know me!! A girl can NEVER know too many bad girl tips!! LMAO [] []

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I’ve never bought a new car. Until recently the newest car I had ever had was 10 years old. I have owned one car that was 5 years old, but I bought it at a steal price, and sold it for a profit 6 months later.

I have been able to break even on most cars, or sell them for more than they cost me to buy – 26 cars over 10 years. Cars got me my…[Read more]

Hi there,

there is a brokers website: mortgagemakers.com.au.
they offer 100% finance through some of the major lenders – and can hunt around for you to save you the time. I haven’t used there services so cannot comment on quality or such.

Lyrical, saving vs paying the LMI will depend on how fast you can save, how quickly prices are rising,…[Read more]

lol mel if I was a guy…I would be “a little metrosexual” If you want to know what that means you will have to take the quiz!! [][]

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Absolutely possible.

If interest rates continue to rise and your interest repayments go up, they will eat into your positive cash flow. Eat enough of it and it won’t be positive anymore. Your ‘profit in the hand’ will become an ‘out of pocket expense'[]

I am planning for the future. Build in a buffer. Decide where you think interest rates…[Read more]

Hi C2,

Easy one.

A is a soft touch and B is a user.

B has cost A $300. Profit could have been made, but the car has been on sold. B owes A a minimum of $300 before profit. (1400-100-800-200). Suggest B agree to pay half the profit also, of a further $300. The user should be the loser.

Formula: A > B, B = negative value, C2 must therefore…[Read more]