Personally, I don't like spas.  Yet nearly every high quality hotel or other accomodation seem to offer one.  I've found too many pubic hairs in spas, and that's been a bit of a turn off.  Plus, particularly indoor spas can be very loud and it's hardly relaxing sitting there listening to that roaring noise.  I saw a segment on a current aff…[Read more]

hbbehrendorff wrote:
Ok,  I can have 26 Full Buckets of Confidence but It still won't Increase my net profits and make my business successful,  And why is increased Business lending confidence ??? wtf ?  If I need a million dollar loan to continue operating this Quarter does that mean im Confident and a Succesful businessman now ?

I had to go…[Read more]

What about Barnaby Joyce?  So, he's a senator, (and a ?National? – or did he get the shit$ and go independent, can't remember), but he seems to have his own brain a bit and a set of balls.  Yeah, I was just joking about good old Please Explain.So baaa baaaaa baaaaaaaa baaa.  Baaaa baaaaaa baa.I'll have to check all your links from now on, ob…[Read more]

I'm really surprised that you have had such trouble with <a href="mailto:n@b“>n@b.  We bank with them, have forever, and have found them to be very helpful.  Have you just struck a bad person, or a bad branch?  Perhaps there is another branch you can do business with in the future?  I guess this is one story that illustrates why it can be good to…[Read more]

I'm afraid I'm not always sure when you are taking the pi$$ and when you are actually agreeing with me.  do you think Suncorp is strong?  I had believed that they were the bank at risk of a rush, which is why Kruddy guaranteed deposits, to stop them from collapsing.   Perhaps that was one of your sarcasms?OK, my expression is a bit wrong the…[Read more]

Ha ha ha.  Love your sarcasm.  Glad you bit.  Afterall, I did want a debate.  Not a cup of tea.I think my point was that our economy is better than some of the others.  Not that there is nothing wrong with it, or that it is outstandingly strong.  And I think I said we were led to believe that our economy was stronger than others, I didn't actua…[Read more]

That is quite a scary scenario.  How likely is it though?  We are led to believe that our economy is one of the strongest / best positioned to wether the GFC.  If that is the case, isn't it most likely that credit will continue to be extended to Australia by the rest of the world?  Who else will they lend money to?  While our own economy migh…[Read more]

doubledown trent wrote:

WJ Hooker wrote:
dan1114,                 Its a forum, we are here to give our optinions and try to help others. If we are correct then that's great, if we are wrong , then you can tell us about it, hbbehrendoff must be congradulated for making a brave call, he maybe wrong, but that's fine. At least he is giving reaso…[Read more]

Is this the same piece of land you tried to sell us last week?  Getting a little dull.  Try to contribute something to the forum, as much as you try to flog stuff to us.  9km from the CBD in Townsville puts this block on the very edge of town in an area being considered for rezoning as heavy industrial.  There is a prison there.  And this inte…[Read more]

Well, then, here is another example of something that I find confusing in alot of the maths that i see happening on this site – the constant use of a simple interest formula, rather than a compound interest formula.  Why does no one bother working out compound interest, that is, afterall, how the banks work out the interest, isn't it?  What am I m…

Hey, I'm not saying that you used the wrong term.  I might have it wrong myself.  Try your banks website, some of them have good calculators that have the fees etc built in for your loan product.If you have a broker, or a banker that you can talk to, you can ask them to prepare a loan schedule for you to work out what will happen with your pr…[Read more]

I must be missing something.  I've always considered positve geared to mean positive cash flow, rather than positive income.  IE, when working out expenses versus income, one should use REPAYMENTS rather than INTEREST.  So, given that repayments are set at the beginning of the loan, I don't see how the outward cashflow will change as the loan re…[Read more]

Tell me about it. Self employed, with two business structures (one is primary production) and an investment property, filling in any sort of Centrelink form is an absolute nightmare.  And what if you underestimate your income, they over pay you and you have to pay it back.  We collect FTB A and B in our income tax return, which is a good way of…[Read more]

Absolutely.  She may have one sooner, though if she needs another $5K.  The system sucks.S

Of course, of course.  I'm a big fan of spending money and enjoying it   All the stories I related above, though, were people who don't have any investments at all.  One of them though, was looking at  a investment property.  They felt very honoured to have been personally contacted by the developer who promised $x rental return, and had lots to s…[Read more]

wow, no management fees!  That DOES sound too good to be true.  Surely someone manages the property and they charge something?  I've noticed a few of these for sale for less than $100K in strong rural towns.  Returning well over 10%.  Seems to me like a good class of tenant (so long as they stay alive!).good luckS

I noticed too.  Check the management fees, body corp and any other fees involved in being a part of the complex.  This might be where the catch is.S

Where are these $5000 properties? Congratulations on wanting to invest your 10K.  Much smarter than buying a car or something.  It's tricky though, as it's not much money in the real estate world.  You really need to build up a bit more of a deposit, unless you're willing to consider some pretty marginal real estate.  There are other investm…[Read more]

wealth4life.com wrote:
Thank god for forums …Yes how long is a piece of string?Rich = not having to go to work each day and do the things you want to do.I can get a beautiful meal at the local bowling club feed my hubby and the girls plus a bottle of plonk for under $55.00 (4 people) or I can go to the ANA Hotel and eat in the japanese…[Read more]

I absolutely agree, Devo76.  I also dispute that having wealth over a certain threshold qualifies a person as an expert judge of the economy, or even as an expert at acquiring wealth.  There is that old saying about wealth and dynasty.  One generation builds wealth, the next holds onto it and the third blows the lot.  Just because someone is &qu…[Read more]