this is the longest time I have worked for someone. I hate it. But its a setpping stone to other things and it got me where i wanted to go for now.

I’m waiting for the next pay rise..not like as in rich dad poor dad, but it measn i can do so much more with it and when I retire, rather like Kay, I know I will be on a realatively good thing. right…[Read more]

oh Chan you speedster! lucky for 3 point eh?

Russ- i was talking the other day with a friend, he has two daughters they are mixed family as in cultures. I said daughter 2 is chip off the old block, living high life, spending and enjoying in the hear and now, daughter 1, i saw as the investor adn took after the other. he said no way if I had been…[Read more]

ok i got lost in all that.

gee maybe i could direct you to hedging? what about options?

Well let me think, cant help you really cause the paragraph up the top just lost me and its late and i cant think. Now you could use derivatives for oil prices. you can even use currencies to hedge, so if one goes down the other might go up?

sorry im off…[Read more]

you are usually locked in to lower returns for a good many years. yes the rental is guaranteed for that time and from what I have seen of their inspections and so on, they are very keen!

I personally feel it isnt for me.
They do replace curtains and carpets etc too…( i think they still do)

need a pretty nice house for them and that usually has…[Read more]

why not get something organised like a line of credit, then buy what you want where you want?

Some lenders will consider taking into account income and equity from one or the other, but from what I have heard, they kinda reduce it.

But I cant really give you absolutes either.

” a blind man may see what a sighted man may not”

Hi Gav

I use them for investing, not for a show of wealth despite those pretty colours and clear see thru blue things LOL or gold? platiunum?

Seriously, I up them and I down them, limits used to be 20k 20k 15 k 5 k so on a few cards, but these are reduced.

I bought another property rather than pay off the cards SORRY everyone! i rather have the…[Read more]

oh and I dont carry around money, too easy to spend. No withdrawls at efpos, no atms…

keep a log of what you do spend and dont cheat. not a budget, but where your money actually goes, shock ya!

I made my daughter pay half the rent ($110 out of her money) she bought her own food too. The reason I did this was to teach her that life costs, it…[Read more]

I have several thoughts on the matter, but you might not like some….

1) if you love him and want him fine, keep him
2) support can be in other ways not just money as you say
3) alternatively, you do him no favours by keeping him. parents can do that jsut as well and you can still have him.
4)you cant make someone work or find it, they need to…[Read more]

I dont like banks either.
I spend most of my lunch time, infact nearly all of it, standing in a queue for service, what service?
I use internet as much as possible, but sometimes you need the counter service.

my dramas this week was trying to open a NZ bank account. The bank here was far far from helpful, one lady did all she could and finally…[Read more]

Yep John

but ya gotta also watch the costs, transfers eg tt are costly this end and can cost t’other end too. eg $60
where a cheque might cost 20 or 30

also, TT can take 48 hours
cheque not much longer by air
so much for electronics…? cant they do it quicker?

” a blind man may see what a sighted man may not”

we teach cildren
but children teach us
I’m never too old.

no matter what they do to you, or what path they go down, you ‘gotta love em’ after all they are part of you.

I wouldnt change a thing, even if I questioned and doubted myself as a parent.

You might think you lost, but the battle is never to give in, or give up hope or love.

If they…[Read more]

sorry for some reason the web site i had booked for risk profiles is not available.

I did post to the list somewhere, but try google search too.
sorry cant help [confused2]

” a blind man may see what a sighted man may not”

yeah someone did offer a site with some software, but it might have been posted in one of the other forums too.

” a blind man may see what a sighted man may not”

supply and demand factors
you might have great location, it might be great block, you might be emotionally tied to it…

check out prices of places sold over last quarter or so, maybe you can go to an agent and kinda talk them into looking at RP data so you get a feel for it or the area.

the price someone will pay depends on how bad you want it,…[Read more]

Hi

I have had problems too.
I deal westpac, westpac manager told me the following:
use and do it over the interent, he said it can be done. (dont hold me to it) so longas you have the bank details.

Westpac site do tell you what to do anyway re international money.

Westpac manager told me cheapest is a bank check and send it over
telegraphic…[Read more]

I would also have your goals:
short term
Med term
Long term

tell accountant, what you want, what you are thinking, or ask what he can suggest (he in this case can also be she)

Consider doing a risk profile yourself, there are some online. Get an idea of who you are and where you want to be in those timeframes and possibly how.

Then ask…[Read more]

well I would suggest that even if it went over your head, stop them and ask until it doesnt fly over and ask for examples.

you are paying for advice make sure it is what you want and that you understand it.

Personally, I need an accountant i can sit and talk to, not one that talks at me. One who works with me. My own accountant was on shaky…[Read more]

Hey I know we are off topic here, but it started a few posts back, and best place to continue. Sorry
[offtopic]

Pisces: would it really be any worse with the lid down? [lmao]

Well Pisces what can I say to the “have you got a brother routine” could be that they want to avoid him? lol (no offense)

Back to topic.

” a blind man may see what a…[Read more]

LOL Pisces

One, I am very picky with men, they leave the loo seat up! UG! No honestly that doesnt worry me at all.

I wasn’t even contemplating single or married aspects, more that if you have some spare and going…lol I’d be happy to take some off you.

As for your wife’s money, I heard the wife holds the purse strings…but you can say its for…[Read more]

Yeah did I read it somewhere that there is not stamp duty in NT?

Mind you I wonder why? is it all the govt employees up there, all those military personnel, coming and going on some pretty good wages (not that I would want to be sent overseas! but the pay is grand!)

Rather transient, and very expensive.

” a blind man may see what a sighted man may not”