while all of you are doing your maths……can I have all your chocolate?? PLEASE!!

Come on….hand over ya chocolate…pleeease.

Give..me…the…chocolate…..plz

Im not kidding now…just gimme the damn chocolate!!

I said….Gimme the damn chocolate !!! [!]

Dont make me hurt you…hand over the chocolate NOW !!

Look ya annoying me…[Read more]

arty u may be asking amit that question…….looks like he may beat you and sooshie!! LOLOL [][]

~ If at first you dont succeed…destroy ALL evidence you ever tried to begin with! ~ :þ

Hi,

Concur .. I’m only on dial-up .. but even changing topics times out for a refresh.

When is the enhansement coming along?

Kind regards, Phil

Hi Dino,

Upon reading your post, I was quickly coming to Steve’s defense. However, you have provided a balanced and honest summary of your experience from that offered.

I have sensed here before a feeling of some people missing the point of Steve’s book. Hey, he’s a businessman. The book is another stream of income for him. As he says, he’s just…[Read more]

Hi Falcon,

Stuart has given you the straight forward answer. It depends how you look at it. Hedging your bet, or cancelling the other out. How might this affect the flexibility of your loan if fixed?

ANZ are offering 10 year fixed at a bit over 7%. What does that tell you? Slow growth as dictated by the govt. via the Reserve Bank.

I’m no…[Read more]

Hi OzpatinQ8,

You’ve been reading that good looking sheila’s book haven’t you?

Thanks for the summary though, as I was still trying to wrap my head around the difference. I now understand that the paper (or geared) positive is preferred to the extra injection of cash. Extra cash will reduce the outgoing commitment, but I believe that this must…[Read more]

Hi to both Andrews,

Andrew D, you are welcome to give me a call should we still be at Olim’s after you finish work. Please feel free to e-mail me at …. for an exchange of mobile numbers if you wish.

Andy, yeah mate I know, Duck’s Disease .. my ar*e is too close too the ground. We must look like Danny Devito and Arnold Schwazeneger in “Twins”.…[Read more]

amit u just wanna see arty half naked!! LOLOL

As for the MICKEY MOUSE pix….Im telling ya…Im tempted!!! lmao

~ If at first you dont succeed…destroy ALL evidence you ever tried to begin with! ~ :þ

I dont know…..I reckon if you are really looking for pain….may I suggest stepping on a lego block… in the dark at 2 am on a cold morning? Now THAT smarts!!!!! [!][!]

~ If at first you dont succeed…destroy ALL evidence you ever tried to begin with! ~ :þ

DAYUM HES SOOOOOOOOO SEXXXXXXXXXXXXXXXXXXY!!!

but why wasnt he half naked??? [!]

we dont pay the kids pocket money. The jobs they do at home are expected of them because they help create the mess. I refuse to clean their rooms….they are old enough to do it themselves LOL

They get money for school lunches and they always ask for cash at xmas and birthdays. They are allowed to buy big presents they are saving for….or…[Read more]

Im with you neo…..[][][]

and yes shes way talented

~ If at first you dont succeed…destroy ALL evidence you ever tried to begin with! ~ :þ

Sorry Dino, but you wrote that you make more money by paying a loan off. I believe that this is fundamentally wrong, simply because interest is tax deductable. If you are in the 47.5% bracket, then you’re only paying 3.09% interest after tax, and that’s so close to inflation. This means that you are getting the benefit of all that bank’s money for…[Read more]

quote:
you are absolutely correct that you will make more money long term if you pay out the loan as quickly as possible. This is due entirely to the hugely reduced amount of interest you have to pay.

SIGH……[] Thump…Thump…Thump…. That’t the sound of Jim’s head banging against the wall!

I’d really appreciate a copy gentlemanjim, thanks heaps!! [8D]

chris.poynter@paconsulting.com

Hi Camviv,

Re punctures .. No, not quite. But I did suggest once that I might scatter a few nails within a 5 mile radius of the Service Station, to increase business.

I also showed him how when Multigrade oil is mixed with sump oil, it looks like GTX. Thankfully, he was far more intelligent and moral than my enterprising 15 year old brain at the…[Read more]

Hi Camviv,

Re punctures .. No, not quite. But I did suggest once that I might scatter a few nails within a 5 mile radius of the Service Station, to increase business.

I also showed him how when Multigrade oil is mixed with sump oil, it looks like GTX. Thankfully, he was far more intelligent and moral than my enterprising 15 year old brain at the…[Read more]

Hi 007, Milen 007, (Bond, James Bond)

Fees and flexibility.
All changes come at a cost.
If you want to hedge your bet, go for a split loan.
The Broker doesn’t have the product, the bank does.
Trust thy Broker before thy Bank.

Regards, Phil

Hi Bill,

I liked that one. Sure beats chasing fish on a computer screen. I see you clued in the answer with “15 steps on the calculator”. Very clever. Stupid me, couldn’t work out how to calculate it backwards just by dividing the interest rate.

If you indexed the figure with an averaged inflation rate to arrive at similar buying power as today,…[Read more]

Hi all,

Mel .. exactly !!

See you at Olim’s

Regards, Phil