Forum Replies Created
Ooh yes!
I agree too….we are GREEDY – DISHONEST – EGOIST – EXPLOITERS – EVIL –…taking away from the poor for our own lavish low desires. How dear you plot yet again how to earn that much more? How can you consider paying for such inside knowledge? That is avarice!!!!!
You greedy rodents, and the even more greedy seminars that mislead you into thinking there is even a shred of goodness in prospering. Don’t you know you do so at the expense of the little people who must sell their houses in order for you to have more?
Why do we have more than one house? Isn’t one enough? Pure greed !!!
More than one car? What for? A car is to go from point A to point B and you can’t drive more than one can you???
You rotten evildoers, sell it and give it to the one that have chosen not to work not to look after their interest, not to produce. After all what is the Government there fore? To take from the evil rich and give to the virtuous spiritual poor. May as well make their job easier and write it all off to the needy.
You should be ashamed of yourselves!!
People stop bathing in money at nigh time with pulled curtains and hysteric laughter. When are you going to learn you evil inconsiderate crooked people that prosperity is BAAAAAD.
Turn away from learning new ways of earning yet more money (pew disgusting word) Don’t you know that it is written whoever that earns more than $500 a week is WICKED WICKED WICKED???
You must give it all to ME. I have bought with my hard earned money a pope’s indulgence to collect all your profits and channel it to the deserving recipients of your money, the poor of this world.
Details about my seminars will follow soon.
Poor is the right natural way to be and remain, all your properties are just but a hindrance. Vote Benny Hinn for Prime minister!!!!
[baaa][baaa][baaa][baaa][baaa][baaa][baaa][baaa][baaa]May God prosper you always.[biggrin]
MarcDon’t you love how politicians fill the air with grandstanding talks about how they are going to find new interesting ways to give away the money they take from us with crafty tricks, to more and recently discovered classes of deserving recipients?
Makes you wonder in this society who are the heroes? Isn’t it confusing?… the more you produce, the more efficient you are, the better you become, the more you are punished, skimmed and robbed, plundered and constrained, banned or slowed down, by a myriad of ways that (for you own good), take away from you, to give to the new found heroes, the inefficient, the slack, the lazy and the inoperative, the one on compo, on sick leave, he one part time, the one who can’t be bothered, because they are the heroes that vote a Government who itself needs someone that can be bought with YOUR $600
Very sad.
Who to vote? I have no idea, After reading the Greenies policy of legalised marijuana and extasy, banning the caging of buggies, rescinding driver licenses to force people on bicycles, demolishing houses and ripping up roads to make way to parks, unemployment without demands of looking for work for life, errr Pauline Hanson looks better every day …
What about voting for Guy? …he is an idol…
May God prosper you always.[biggrin]
MarcHow well do you know Mr Paker Westan?
The short answer is you do not.Far from “praising” Paker or Gates or any other millionaire, I am exposing the popular wisdom that points fingers at such people, using colonial economic models, thinking they have the right to decide how someone else’s money is spent, make large unwarranted assumptions about their honesty or rather the lack of it, yet making sure in the process that nothing is said bout how they spend their own money, when in fact that is all it really counts.
Yet … how can anyone blame the little people? After all populist thinking stems from populist policies, like our Robin Hood Tax system.
I go further in explaining that such popular reactions are the result of subconscious programming, reinforced daily buy a constant barrage of anti values from friends, relatives media, teachers, priests, politicians and almost any conceivable person of influence who thinks he/she has the gist of what we should do and dictates to you what is right and what is wrong.
There is no point in attempting to win a debate and losing an opportunity. If you value your own success, and since you are on this forum I assume you do, don’t argue with me. Rather dig around to see if there is even a shred of truth in what I say. If there is not, you have nothing to lose.
Yet if there is, and let me assure you this is so, then you may be throwing away the opportunity to make your career a lot easier, more rewarding and efficient.
You don’t have to trade in your values by the way, only the one that are not serving you.
Why don’t you try to get this little book
“The Dynamic Laws of Prosperity” By Catherine Ponder. May just be the best thing after Vegemite.As for your mention of our stewardship of blessing received, I couldn’t agree more. Be a good steward of ALL the blessings, including your God given talents. Don’t hold back because of an ill conceived notion that it is immoral to be prosperous, and leave to God the judging of how others look after their own blessings. For KP 30 mil may just be like $3000 for you and me, so why do you fret about it? After all it is not our money.
May God prosper you always.[biggrin]
MarcHa ha Westan, Precisely the mass produced programmed subconcious I was talking about !!!
– isn’t it wonderful that we have a media that is able to challenge the way the mega rich behave [ooh pleeese! you realy beleive the media morals… and sell you Mac Donalds in the process] ……..isn’t it obscene that these men hold the amounts of wealth they do?
[Obscene for who? The comunist? What is the threshold for decency? $1,000? $10,000? $100,000?
One million? What gets us into paradise? Mediocrity? Poverty?]Packer looses 30 million on the table at Vegas- how many people could have been helped with this amount of money. how many crops planted, wells dug, children immunized, schools built doctors trained?
[Very old fashioned concept that sees the economy as a static pizza. If I get a bigger slize, the poor people are deprived.
Interestingly enough in your outrage at KP loss at the casino you seem to forgo the fact that if 30mil go from KP pocket in the Casino pockets, nothing realy changes, no one is deprived, only hundred of casino workers, contractors, builders, and the miriad of other industries that make the casino go benefit… becuase the money far from being “lost” simply returns to be reciciled into the economy. As for your interest in welfare, when very commendable, it seems to suggest that one must choose to EITHER pay a first class ticket $5,000, OR pay $1,500 and give the rest to welfare. I say that you can buy a first class ticket AND give money to welfare. The limit is imposed by your own limitations that percieve prosperity as wrong and therefore must be hidden or given away.
Make mor money, make heaps of money, make obscene amounts of money rivaling KP and BG and see how much you can give away. Are you afraid of becoming like those filthy rich crooked people? Well there is you problem!]Such is an example of the standard mass produced concience of a person who has been fed and programmed by the motto that rich are evildoers, [not your fault by the way, not having a go at you] that “too much” wealth is filthy, greedy and detestable and that it should all be taken away to be re-distributed to the needy and hugnry of this world. Do you know how many people would consider Holding 2 properties OBSCENE ? What about 10? 30? What about 130? That must be Obscene for sure! (Sorry Steve no offence intended) How many properties do you hold? 10? 20? Do you know how many consider you disgustingly rich and therefore inherently dishonest? Lets say 80% of the population of Australia and New Zeland and I am being very conservative. Are they all wrong? I think they are, and so does KP…yet you seem to think they are not wrong…. Some double standards there?
Allow me to offer you something to read on the matter
Randy’s Rants
Naked in More Ways than One!Dear Colleague,
I was chasing the sun down U.S. 1, when it struck me…
I was driving a 480 horsepower super car, yet I hadn’t passed a
single vehicle from Miami to Islamorada. And why would I?The skies were perfect, and the ocean was breathtaking. Sea gulls were diving for their lunch, sail boats were sailing, and fishermen along the shore were lost in that special place that only they can know.
Now I’m down in Key West, doing my Hemingway thing. There is a supernatural energy here, as if this is the home address of Muse Central.
Yesterday I wrote for 12 hours straight. Today I might hit 14, because I feel like I am just channeling from God. I’m taking a break to write you this letter.
Late last night I was lying naked on a pool deck, simply marveling at the stars above. When you get away from the city, it’s amazing how many you can see.
The clouds came quickly, yet the moon still glowed from behind them. Then it started to mist. I went inside, and not long after, the shower started. Not just any shower…
But the fierce, summertime, beat-on-the-roof downpour like you can only experience in Florida. In August. In a Key West guesthouse with a noisy roof.
It rains like this a lot at this time of year. But that doesn’t make the storms any less miraculous.
You and I do what we do all the time too. But that doesn’t make us any less miraculous either. But how often do we really do what we do? I mean what we are really meant to do. Our assignment.
Now if I sound philosophical, blame Ian Percy, it’s his fault.
He sent me an email and told me to drop everything and order the book “The War of Art†by Steven Pressfield. Steve is the guy who wrote, “The Legend of Bagger Vance†and lots of other fiction bestsellers I never read. But I trust Ian implicitly, so I ordered it just before I left for Phoenix.
In Phoenix, Joe Calloway mentioned the book from the stage.
Then Larry Winget also mentioned it to me. I decided that the universe was trying to tell me something, so I jumped my 20-book waiting list and cracked the spine.The book is about overcoming resistance and unleashing your creative energy. It especially speaks to writers, poets, painters and other artists. Of course entrepreneurs are artists
as well, so the book is relevant to us.The first few pages were intriguing. After that the book descended into a monumental bore for me. The first half is mostly about overcoming resistance to create. I was reading it at Sweet Tomatoes, silently cursing out Ian, Calloway and Winget.
I’ve authored over 60 books, tapes, booklets, video, etc., and dozens of articles. I’ve painted a mural on my living room wall, written poetry, and once made all my own furniture. Every
single month I write more than 20 lessons, a Tele-Seminar, and an Online Seminar for my coaching program. Plus three or four newsletters.I know how to create. I know how to overcome resistance. But then the book got deeper…
Steven talks about the difference between the amateur and the pro. And then he explores the higher realms of creativity. And it all leads up to fear. And the fear that holds us back from
becoming as great as we are truly able.We all have creative energy. Worthwhile goals. Impossible dreams that are possible. But we turn away from them.
Now of course we don’t admit to turning away. We blame it on raising the kids, finishing our big projects, waiting to graduate, needing the seed money, and the necessary confluence of market factors.
And what a crock of shit all that is.
Truth is, I have at least ten more books in me right now. I have the current one about posperity that I’m working on for John Wiley and Sons. I have the follow up, a philosophical look
at the absurdity of living like the tribe titled, “A Contrarian’s View of the Cosmos.†And one on self-esteem and discovering your assignment, that I’ll have to self-publish,
since it’s titled “F##k the Homies!!!â€There are seven more; not counting the ones that will surface while I pen those. Not to mention the Opera I want to write, the languages I want to learn, and the website communities I want to build.
I became a millionaire when I finally got over the fact that my loser friends wouldn’t like me any more. And realized that they weren’t really my friends, and I didn’t want or need them to
like me. I came to grasp that there was nothing spiritual about being poor, and in fact, for me to remain poor was a sin.I became a multi-millionaire when I realized that the only thing between me and “multi†was the ridiculous guilt I was feeling for already being a millionaire.
And just when I think I’ve got it sussed—and have no fears of becoming the absolutely greatest I can be—this f###ing book comes into my life! Because when it comes down to it, the only
thing that’s stopping me from turning the multi- ‘M’ into a multi- ‘B’ is fear.Fear that ultra wealth and success will create a bigger gulf between me and the people I care about, who haven’t done as well yet. Fear that a New York Times bestseller and TV appearances
will destroy the laid back, low profile lifestyle I’ve been able to create for myself. Fear that I will actually harness the amazing powers I possess, and become the thermonuclear
genius I have lurking inside!But enough about my neurosis. Let’s talk about yours!
How long are you going to lurk around success before you admit you’re just coasting in your comfort zone?
What about the book you say you’re going to write? The symphony you’re going to compose, the website you’re going to create, the play you need to author, the sculpture waiting to be carved, the
IPO you need to launch, the painting only you can paint, the dance only you can dance, the massive MLM network you’re going to build, or the cure that only you can discover???I’ve decided to go for it. And I’m pounding away at my keyboard down here doing exactly that. Want to join me?
BTW, I didn’t tell you my favorite part of the book. Steven started two different books and got 90% done with each. But he didn’t have the guts to finish them, so he threw them away.
Finally fed up with his life, he rented a house in Northern California, and went there to write a novel or kill himself trying.He spent months with no TV, newspaper, or any distraction, just writing his book and having an occasional coffee with his friend Paul Rink, a nearby writer. The closer he got to the end, he
more ways he found to screw it up. But he was determined that he couldn’t quit this time. He felt that if he crapped out one more time, he would have to hang himself.He worked for 26 months. And finally, he got to the last page and typed the words:
THE END.
No one knew he had finished the book. No one cared. But he knew. And he cared.
The next morning, he went over to Paul’s house and told him that he had finally finished the book.
“Good for you,†he said without looking up. “Start the next one today.â€THE END.
May God prosper you always.[biggrin]
MarcHi guys… some interesting and mixed reactions.
The reason I bring this up, in case you have not yet guessed, is not that I am a friend of R.R. even when common sense and observation tells me that justice was not served in this case. It has all the marks of a hounding campaign that concluded in a mockery trial. On the receiving end of an ill deserved sentence, R.R. defended himself the best he could given the circumstances, his health complains exaggerated or truly flared up … we don’t have the information to make a judgement.
As for the final nail in the coffin of his reputation by a heavy handed authority behaving in the likes of the KKK, can I say more?But what brings me to plant a contrarian opinion about what appears to be a happy consensus about his conviction by most, is to bring to your attention not the details of his trail, not the defence or otherwise excuse about his past present or future, but to point at the reaction that such happenings bring out of most people who have been programmed to hate successful people and to align with the underdog.
Such programming does not serve us, must be identified and clean out of our subconscious, this so called limiting beliefs will be a hindrance, a handicap, a chain at the legs of your prosperty and advancement, and it happens at a subconscious level without you even noticing.
If you feel happy when a high flier gets a grilling (by some reporter on $40,000 a year) when KP get’s his name on the front page for loosing a couple of millions at black jack, Bill Gates spends “obscene” amounts of money on his “lavishing mansion”, or a famous Melbourne developer has his DA rejected by someone at the local council (on $30,000)…. stop to think. Examine your beliefs, rethink your values, perhaps, just perhaps, you need to re-think who do you align yourself with. May be what you have listed in your subconscious as your principles, (not necessarily by yourself), the primary ideas you are loyal to, are not serving you in achieving the purposes you consciously seek.
May God prosper you always.[biggrin]
MarcI am surprised that you all follow the linching mob on this one. I thougt you where a more thinking sort of croud.
May God prosper you always.[biggrin]
MarcNice to hear you have found what was holding you back. One for Steve.
Boring? How can proeprty be boring?
Scary, difficult stressful may be but boring?
I usualy have accelerated bodily functions around the time I settle a property…. I wonder if Steve has somthing for that [biggrin]May God prosper you always.[biggrin]
MarcWell, “wanting more”, time to change your name.
You do no longer “want” a term of unfulfilled desire, set in an uncertain future never to come.
What about:
“Have more”
“Blessed one”
“Abundant”
Share the blessings”
“Paying it forward”
[biggrin]
Another book to add to your list,
(this is not free, some $25):
The One Minute Millionaire, by Mark Hansen and Robert Allen.Have you written down your goals in minute detail and in the present tense?
Do you read them 3 times a day?
Do you act and talk as if you have already succeeded?… To fly as fast as thought, to anywhere that is, you must begin by knowing that you have already arrived . . . . … Richard Bach, in his book Jonathan Livingston Seagull
May God prosper you always.[biggrin]
MarcHi there!
I think the responses given make a lot of sense.You must remember that equity does not mean capital unless you sell, so when you can probably find a lender, you will end up with your own home debt plus an investment property debt.
Unless you can find positively geared properties, you will have purchased a liability and not an income producing asset.
To buy an income producing asset, you will have to minimise the debt. Some years ago you could have found properties cheap enough to service the debt and give you some income. With today’s prices such properties still exist, but are in more remote places that imply a higher risk. This risk can be assumed by someone with a larger portfolio of properties, or a high income that will offset any hiccups, i.e. tenants leaving, repairs etc.
So what is left, (if your choice of escaping the pension is property investment) is to borrow a smaller amount, the closer to 50% the better.
From what you say, it is only possible if you realise your equity by selling and buying a smaller flat for yourself.This is easier said than done, and it implies a large amount of expenses, to sell and to buy.
Do your homework with diligence, write it all down, ask many questions.
Remember that RE agents are not your friends, even when they may like to be seen that way. You are on your own, and perhaps a mortgage broker will be more on your side than the agent or any bank manager.There are some very good mortgage brokers on this web site that I am sure can crunch the numbers for you.
Regarding the impact of such actions on your and your husband’s pension, this are the (June) figures:
To still remain entitled to full pension you can have combined assets of $212,500
For part pension less than $473,000
This is adding all up, your home content, car, money in the bank and properties that are not your own home.
You could (I am not saying you do this, I say you could) sell your property and invest all the equity in properties that will give you hopefully some 6 to 8 % return, your threshold will subsequently increase to $320,500 since you will be considered “non-home owner” and you will probably but not necessarily qualify for rent assistance.Having said all this, I will try to say something totally different and hope it may be of some help and not offend.
Contrary to popular wisdom, people who make it in business, and become independent financially, do not arrive at that position because they have “inside information”, and therefore, by asking for the right financial tips we will be able to emulate their achievements.
Our financial position is predetermined in our mind by our belief system. Each one of us has a financial blue print that predetermines how much we allow ourselves to earn a week.
It is such limiting believes that allow us to make it or to fail, and the familiar pattern of our actions we ourselves know all too well, repeats itself over and over.
One definition of madness could be, to do the same things we have always done yet expect a different outcome.When I myself, learned of the existence of our subconscious mind and the role it plays in our success or the lack of it, I was surprised to find in my subconscious, values that others had planted there over the course of many years.
Perhaps the sentence I have repeated the most is the following fallacy: “Rich is evil poor is virtuous”. We get hammered this deadly concept in our mind from birth, from parents, teachers, priests, friends and work mates. The result is a belief that success in any field we may choose is for the “nerds”, the dishonest, the up-themselves, the snob, and a barrage of other derogatory adjectives we have incorporated as synonyms of rich and successful.
It is such negative programming, among many other factors that can determine that every effort we take to escape the rut is met with failure, a failure we secretly expect in order to demonstrate to ourselves and others, how honest and virtuous we really are as opposed to those evil rich people. (Remember Dallas?)
Now if you read this far, and I hope you did, I would suggest that before you even talk to an RE agent, you sit down and examine yourself, and prepare yourself for success. Just like you wouldn’t think of running a marathon without training including mental preparation, I suggest you get yourself into gear by first understanding how your mind work and why it is that you are in financial difficulties.
That’s right, I am convinced that because we bear the full responsibility of our current state, we also have the full power of turning it around.When some people do get all worked up and offended by this words, particularly when there are health concerns, since we have been told for centuries that illness has to do with chance, genes, or bad luck but nothing to do with us, I hope that you can give this proposition a chance and use a cool mind. If all that happens to us is due to external factors, we are doomed. Nothing is under our control and we may as well not get up in the morning.
Yet…if I am right, that means you are in control and not fate. Isn’t that exciting?So first things first, use other people’s experience to get ready for success. I will suggest some books, and hopefully others on this site will suggest other books. Remember that it is not about what to do with your home, sell buy rent, but how you can change your financial blue print, your mental picture of the income that suits you.
Search for the following free e-books
As a man thinketh, ( Jon Allan)
Think and grow rich ( Napoleon Hill)
Accept your abundance (Randy Gage)I hope my post will be of some assistance in your journey towards success and financial freedom.
The vision that you glorify in your mind, the ideal that you enthrone in your heart, this you will build your life by, this you will become.
James AllenMay God prosper you always.[biggrin]
MarcOriginally posted by kimtruong81:Ok, just rung Centrelink, they said she can have up to $78,000 (cash value) before she will lose the pension. This $78,000 is all up whether a portion be invested in shares or other property. Also, the market value of her own home needs to be less than $150,000 if she is to receive the full pension.
She’s not allowed to sell the house extremely below value is she?
That sounds like a good idea skippygirl, i’ll have to investigate further.
Hum I would like to know the name of the person that gave you such load of bull dust over the phone.
Let’s see:
If the pensioner is single and a home owner, she can have $149,500 in assets, that counts all assets including home content, car, money in the bank etc. before it affects the pension at all Assets over this amount will reduce pension by 3 dollars per fortnight for every $1000 above the limit, cut off point is $306,250The valuation of her own home, providing she lives in it and does not have a curtilage over 5 acres is totally irrelevant, 10 millions would not affect her pension.
If she sells the house she inherited for less than its market value, she will be deemed to have received the full market value; the full difference minus the allowable amount of $10,000 will be assessed as a gift to the buyer and will stay in her record for 5 years.
The income from the property (or any other source combined) is assessed separately and the test that allows paying the lowest amount of pension will be used.
Income of $120 a F/N will not affect the pension (single $212 for couple) Income over this amount reduces the pension by 40c in the dollar, cut off income is $1295 per F/N (single, $2164.50 couple)Despite popular belief that to have assets or income for a pensioner is a “problem”, simple maths tells us that the pensioner is better off if he/she has a part pension reduced by an income producing asset.
It is unfortunate that some pensioners go to the extent to dilapidate life savings only to achieve the ultimate goal of acquiring full welfare eligibility.I suggest to always checking with your local Financial Information Officer in Centrelink, make an appointment don’t consult over the phone. They are trained professionals and unfortunately most accountants are either outdated or misinformed on the subject, (some honourable exceptions excluded of course)
May God prosper you always.[biggrin]
MarcI agree with Monopoly and Mini, as for Kay, what can I say Kay? You appear to be an expert in taking things out of context. If that particular sentence has pricked you to the point that you have ignored the rest that puts it into context, what can I say? Enjoy!
The fact remains that if we where all Meat-Pie manufacturers, each one with a share in the market, you would be all serious about the prices offered and would tell to whoever is selling below cost to get their act together, since they would be damaging the market.
What we do, mutatis mutandis is no different, and whoever thinks he has an obligation towards his customer (tenant) to subsidise the rent for some real or perceived reason, must understand that in the long run he is doing himself and the rest of the investors a disfavour.
His property will invariably deteriorate just like his returns, the market is corrupted by a lower than average price and in the end his tenant will be out of touch with the real market he will be unable to re-enter without a rude shock. That to me is a lose-lose situation.
May God prosper you always.[biggrin]
MarcI saw posts like this before and really, to answer on the information given is a hit and miss affair, too much information is amiss.
Yet what prompted me to answer are the answers offered.
I am surprised at the, in my view excess prudence in the matter of raising rent to market value that many people seem to have. Most people seem almost frighten to ask for what is rightly theirs, and that is a fair return on their investment.
If you owned a delicatessen shop would your do a survey with all your customers about “how they feel” about you rising the prices when your provider does so with you?
Prices and that includes rent are the result of offer and demand. When the two curves meet, that is the price. If you artificially stay under the market price on the belief that such action puts you in the good book, and that you will so gain the favour of the tenant that will pay you religiously and in time because of your grand gesture, I think that eventually you will have a rude awakening.
No one believes that cheaper is because of your good heart, anyone can see through such action and think that in fact you feel powerless to raise the rent and that such is the real reason. For whatever reason you do it, that is the perception and the result is that you are lowering the average price and devaluing the market for all.
If you go to the process of purchasing a property for a lot of hard earned, or expensively borrowed dollars, you must do it with a purpose and that is to have a return. You buy income producing assets. The government runs government housing. Le them do their job. If you buy properties for profit, don’t forget that income is your reason, not social work.
May God prosper you always.[biggrin]
MarcJohn and Lois.
Some of my opinions on the place.If you want to invest in Mt Isa, never buy site unseen unless you have been there before several times and know your agent like your best friend.
Avoid RE agents from out of town offering properties in MT Isa like the pest, usually they are pedalling what the reputable in town agencies wouldn’t sell to their worst enemy.
There are several areas that to the untrained eye seem fine, but that a LOCAL agent and a HONEST agent will tell you are the pits. Also there are areas that are marginal to said bad areas that are been slowly sucked into bad areas because they become impossible to tenant unless you surrender your property to the local housing authority who rents mostly to “locals”, who systematically trash the place, and you have to fix it. Some of those areas are no go ghettos even for the police.
So far for the bad news.
The good news is that there are good agents, for example Jay’s RE
http://www.jaysre.com.au/default.htm … (ask for Lorrain for the best sales lady in town)There are good properties clearly positive even if you borrow 100%, and there are plenty of tenant who earn 50 or 60k if they work in the mines. Of course there are also a lot of lemons, and lately some places are beginning to be overpriced.
The big question with mining towns is always what if the mine closes… In my opinion Mt Isa has gone past the one mine town, and has now population and activities that go beyond the mining.
Still, it is a higher risk area, you will make good money now, but who know how much it will last.
I wouldn’t recommend a first time investor to start there, but I cannot say don’t buy, you may find your best performer there.
I have 6 properties there, and cannot complain.If you decide to go and have a look, Qantas flights out of Brisbane if bought well ahead are rather cheap. Book a day tour with a LOCAL re agent, and if you decide to buy, buy something that is possibly tenanted, and managed LOCALY and that does not need repairs. Local builders and tradesman besides being so busy that you cannot find one, charge as if you too owned a mine.
I was quoted for a 4 car’s carport (after waiting for 2 months for the quote) $3500 to erect a $1800 Bunnings carport by one builder who told me he would send the apprentice to do it, and from another builder, $5,000 to erect a $2000 Mitre Ten kit and no guarantee, or $6000 to erect one made by by himself, with guarantee.
Remember that termites and soil contamination are a big problem there, use LOCAL solicitor to do all the searches.
Best wishes!
May God prosper you always.[biggrin]
MarcKay, the mechanism of our subconscious is not theory, it is fact. Older people apply the same principles to choose their partenrs that they did the rest of their life. The fact that they are no longer able to reproduce does not change a life long “system”.
The study of how our mind works is fascinating yet needs some dedication and cannot be stated in a few sentences, yet a vast number of people choose to ignore its existence and think purely in terms of their conscious mind, rejecting explanations like the above as unproven or weird ‘theories’.
We are programmed for our likes and dislikes, we are programmed for certain purposes, we are programmed to reproduce and survive. Over and around such basic program we have a web of other likes and dislikes we build from the day we are born and that makes our character. To believe that our conscious mind controls all we do is naive to say the least. To understand what makes us tick and to find the way to change the values and ‘programs’ that do not serve us, is the first step to achievement.
To deny the mechanism of the subconscious is like driving a car and believing firmly that we make the wheels turn by pressing on the accelerator’s pedal.
We choose our friends for their status, and the reason we do so is because it serves our drive for survival. The values that we use for such choices are imprinted in our subconscious, and vary from one person to the other. To say “I don’t do that” simply means “I do not do that consciously”… yet you and I and everyone else does it because it is part of our subconscious programming, and no ammount of “conscious opposition” can turn such program around.
May God prosper you always.[biggrin]
MarcI wonder where Russ is, does anyone know?
May God prosper you always.[biggrin]
MarcI don’t know if you are rattling my chain, but in case you are serious, perhaps I can say that it would be the exception that confirms the rule[blush2]
May God prosper you always.[biggrin]
MarcI agree with Aussie, Aceyducey. You may think you know what attracts you to miss X, but unless you dig up all what is hidden in your subconscious, you probably will never know.
I was told once to try the following experiment: When you see a female that you find attractive, take a mental picture of all the features that you find interesting and try to find a logical reason for each subject of such attraction. Invariably if you follow the right pattern of questioning you will find that your mind is selecting the person better equipped for reproduction and upbringing of your progenies.
Clearly not what you would tell your date.When it comes to selecting our friends we follow a similar crude method of selection this time with a different objective in mind. Our survival and preservation.
We don’t really know it and we all use different yardstick to measure what we think is better for such purpose. In all cases our intellect, embellishes our actions with a lot of emotional, cultural, artistic and other paraphernalia, but the underlaying motivations are there, simple and basic, reproduce and survive.May God prosper you always.[biggrin]
MarcThink and grow rich by napoleon hill. Free of charge from me to you[biggrin], click here:
http://www.milliondollarbookshelf.com/books/tagr/index.phpAnd on the more philosopical note, read (also for free) Jonathan Livingston Seagull. Just click here:
http://www.42.dropbear.id.au/jls.htmlI also like the “One Minute Millionaire”
http://www.amazon.com/exec/obidos/tg/detail/-/0609609491/002-1624418-0095205?v=glanceWorth every cent.[exhappy]
May God prosper you always.[biggrin]
MarcHelen, the argument of -CF bad, +CF good, is not that simple.
I “discovered” +cf investment in 1998 in Goulburn when my daughter married and moved to Bega. I was heavy into negative gearing and couldn’t believe that I could buy properties for $80 and rent them for $170.
At the time I timidly asked the expert investors in the market about this bonanza only to be received with a barrage of ridicule. The only winners are the financial institutions! I was told matter of fact, you must chase the CG.CG was king then and every man and his dog were chasing it in mayor cities. I was going against the trend, so I made +cf AND CG.
Negative gearing for CG is limited to how much you can repay, flipping properties is OK in a growing market, +CF was fantastic for years if you had the guts to go into debt for a few millions.
What will work now that the whole of the country is after +cf?
I suppose that is the question on everyone’s mind. If you know of an area with strong growth, obviously buy for CG, if you know of an area with +CF and with a decent size population go for it whilst you can (and don’t tell anyone please).
There are no good or bad strategies, only strategies that work for you and others that do not. Investment strategies are not a religion. It is when they are turned into one that they go belly up because too many follow a standardised approach and in a finite market we start competing with each other.
At risk of upsetting some people here, I wish Steve had never written his book, but of course that is nonsense since someone else would have, that is the nature of things.Do what works for you, that is what makes you money and makes you happy, don’t try to swing others into doing what you do, you are only shooting yourself in the foot.
May God prosper you always.[biggrin]
MarcHow about someone has a good customer service story?
I recieved today $600 from my broker who is refunding me some fees the building society was supposed to refund. Since they refuse to on some cok and bull story, he said: never mind, I’ll pay.Now that is good customer service !
May God prosper you always.[biggrin]
Marc
