Forum Replies Created
The car door was open
Cheers
MelOriginally posted by MortgageHunter:
Go for a good sweaty run in the morning and drink more water.I have never had a hangover but saw these work for others when I was in the Army.
Simon, I’m so jealous. I haven’t had a big drinking session for quite a few years now, but one of my last hangovers was as a result of my 21st. I was sick as a dog all day Sunday (my actual birthday), and didn’t fully recover until after I’d been for a lunchtime run at work on the Monday (when I used to be reasonably fit).
To avoid hangovers, I now rarely drink at all – works for me[biggrin]
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MelOriginally posted by The Mortgage Adviser.:Absolute waste of money. CGT is calculated and apportioned according to the market value of the property at the date of sale. It doesn’t matter what it was worth when you switched it from owner occupied to investment.
Gee, I’m sorry Rob – what pat of this statement suggested it was only your opinion – and not absolute fact?
I note you evaded my request for your legislation to back up your theory by throwing it back to me… I said ‘as far as I am aware’ and ‘everybody I have ever spoken to’. I did not state it was fact.
And no, I haven’t avoided your request, but finding anything (useful) on the ATO website hasn’t been fun tonight.
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MelOriginally posted by bigben:
I just thought of something….does a bourbon and coke have coke in it?? oh crap i drink way tooo much coke in that case..Better make myself drink 3 litres of water to make up for it [thumbsupanim]Ben, I had a conversation with my aunt the other day, and she’d been talking with her doctor about how much she drank etc. He asked if she had bourbon and coke (or [name your poison here] and coke) and she said yep. He told her that she should cut one of them out – as it’s the mixing of them that causes the problems. She said, fine, I’ll cut out the coke, and he said ‘precisely’! So now she’s just gotta find a drink she likes on the rocks……
although I admit as I type this that I’m drinking from a can of coke……
Cheers
MelFlak Jacket on….
Out of the two SA teams, I think Port are 100 times better……
Adelaide only pulled their finger out to join the comp when Port had a team all ready and raring to go – cos Adelaide wouldn’t commit…. Ah, commitment problems?[biggrin]
I reckon all people on this forum will be a millionaire before Adelaide or Port Adelaide or even Richmond for that matter win a flagHaven’t the rotten Crows already won a flag?
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MelHey Gatsby
One, actually two of our ‘alternate’ movie theatres got closed down too – as they couldn’t compete with the Hoyts and Greater Unionses. Bit sad really…
I don’t get to see too many movies anymore – when at Uni I saw about 1 a week, but now I’m lucky if it’s 1 every 3 months, so I know nothing about anything![biggrin]
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MelRob, can you quote me the legislation for your statement? Everybody I have ever spoken to has said that the CG val starts from the date you vacate as your PPOR if when sold it will be subject to any CGT.
It is apportioned if you have as an IP first, and then move in, but as far as I’m aware it is not the other way around.
Another thought – as you believed the 6 year rule was ‘rumour’, then perhaps you don’t know the answer at all?
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MelOriginally posted by Pisces:>>I should look into his site a lot more<<
MMMMORE ? [glum]
Pisces
[lmao] Pisces..
Rob, considering this thread is about financing ‘multiple properties’ I don’t think it’s necessarily aimed at beginners..
Have a look at Dolf’s finance proposal (he spent many years living on the Gold Coast in his early years, so he knows all about Aust). I don’t think you’ll say that it’s only for advanced investors. Anybody can use it, and it’s not a bad way to go even for your first application IMO.
Cheers
MelOriginally posted by iamborediambored:
Kiyosaki’s lack of education is demonstrated by his poorly written and repetitive books.That’s pretty funny Rob. IF you had read his books you would have read that he got his degree at some academy in New York (?) on a scholarship….
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MelMyydral, remember that if it’s only costing you $500 a year to own, that as soon as rents can be increased, it’ll take a rise of only $10 and you are owning a free IP!!
As it was PPOR, i assume you are paying P&I? Maybe you could make it IO if it’s an issue for you.
You may find that it is positive when you complete your tax returns as you’ll get some money back, and maybe some depreciation? Or did you mean when you submitted all costs etc. it was positive?
One of mine was ‘positive’ in the eyes of the ATO as some expenses were capital rather than repairs, so I couldn’t claim them all. But to me it was slightly ‘negative’ which was fine by me, as it had quite a bit of growth too.
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MelRob, I’m not the signature police, so can’t tell you if you can have it or not.
To be honest though, it annoys me a little reading it after everyone of your posts[biggrin]
If you take the option out of your profile, it should then take away those two options under any of your posts. the only emails you would then get would be the ones where people have found your email on your other posts I guess……
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MelHey Brendon
That’s true. That’s why we were happy to pay whatever it took to our solicitors to ascertain the value etc. of any security/guarantees offered to us.
In one deal for some members of our group, I think the solicitor sent them all nuts with the absolute level of due diligence he did, and all the extra work that created for everybody involved – but you would certainly be happy with that when you’re investing a big chunk of money.
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MelOriginally posted by WallFlower:
Don’t know it that’s actually true, but don’t i sound smart!![strum][lmao]WallFlower you do sound very smart – you had me going for a while, and I was almost going to stop drinking my can of Coke… actually, that would be a lie, but I’ll just think about the consequences while I’m enjoying my sugar hit..[medieval]
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MelOriginally posted by sizzling_duck:
There are generally two basic ways to become an officer in the military. Person A would be to go to the normal officer school (say Duntroon in this case, Canberra) spend 18 months going through officer training and graduate a Lt and from that point the promotion ladder starts (or in reality 6 months after that when they graduate their specific Corps training). Under regulations though you cannot progress beyond Major unless you have a degree (doesn’t really matter in what), instead Person B goes to ADFA (Australian Defence Force Academy) spends 4 years on fairly light pay to finally graduate a Lt and then they start their promotion system. There is very little stopping officers from doing part-time courses so why spend an extra 2 1/2 years doing a course to get to the same position? If Person A finds that the military wasn’t what he wanted or the public sector wanted him for his leadership skills then I would think the uni degree at that point would be almost useless, there would again be nothing stopping Person A from later obtaining a degree that is more valid.Also remember that Person A was earning decent money a full 2 1/2 years earlier than Person B and would always be more senior in ‘service time’ than the other.
A comment I like is:
They never teach common sense 101 at uni.
For the record I did go to uni for a time as well…..
Having worked in Navy Officer Promotions (zact same ‘timeframes’ as Army) I’ll tell you that it takes 6 years from entrance as an officer to become a Captain – NO MATTER which way you first joined up. So if A joined RMC on the same day that B joined ADFA, their seniority is exactly the same. In truth, I think they differ by a couple of weeks, but by the time they make Captain, it will be 01 Jan 200?…
From memory (this was a few years ago) ADFA ‘students’ earned something like $12-14K per year, which is not bad considering your food, clothes, lodging etc. are included…. Oh yeah, plus a free degree!!
Even if you go to ADFA for 2 years, and drop out just before graduation day of 2nd year, you don’t have to pay back any money, or any time spent to the military – you don’t think many of them know about this?
Also from memory, an RMC guy/gal would be paid about $19K to start with, but would be working their butts off anyway, and still ‘studying’ as well. Then, as you’ve said, if they want to make it much further in their careers (if they choose to) they have to get a degree anyway – more than likely on their own time……
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Meliambored, why don’t you edit your profile and take out the option of people sending you PM’s and emails then?
Cheers
MelI haven’t seen Kiyosaki’s latest book yet, but I’m interested that he now seems to scoff at John Burley. I’ve believed for a while now that they’ve had a falling out, because I’ve read/heard them say before how good friends they were – and then I heard RK bag JB (not by name), and now they just don’t mention each other.
Ken, what John says is true – but it will take 30-40 years, and who knows what $1Mil will buy in that timeframe.
i do agree with the level 4 thing also (except I’ve put all money into property – oops). The level 4 is where you have your automatic investment plan, and put 10% of your money each pay into. This is a really good habit, and is pretty much ‘safe’ish money, but is also BORING.
However, as Westan said, to make your Mil in 5 years is far more fun, and quite easy if you have a strategy. So you do this as well, knowing that you have a backup of your AIP if things turn reeeal bad.
Cheers
MelMarc, i’m a little with Scremin on this. I had to read your post twice to work out that you were in fact not talking about the original post in this topic, but instead were off about the show that she mentioned – albeit fleetingly.
I do think it’s a trifle rude that you respond to a thread without fully reading the initial post that started the thread.
Scremin, my definition of success is being able to provide for my family in any way that I can. My aunt recently lost her husband (my Uncle obviously). They basically had/have extremely little money, and their children (they each have their own, so to speak) continually borrow from them. That really annoys me, but that’s another story.
i went to visit my aunt, with the intention of giving her some money. I knew she had none, cos she had to borrow $150 off my folks the day before the funeral. I gave her $1000, that’s all. She cried. I told her if it made her feel better, she could give me back the $150 that Mum and Dad lent her…..[biggrin] She did!!
When she spoke to Mum on the phone the next day, she had another cry. It makes me sad that her own kids always take from her, and the simple thing of me giving her only a $1000 had such a profound impact. It makes me feel good too though[blush2], but now I’ve got to be more creative in how I give anything to her, as she’s a bit wise to me now[lmao]
Cheers
MelMichael, perhaps I should have written my post like this:
needs based motivation theory
I also (again[biggrin]) disagree that everything about Tony is motivational – I would argue that Tony is more about self development. Unless you’re then going to say that these two things are one and the same…
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MelFor a ‘proposal for finance’ quite similar to the Richmastery one which they charge megabucks for, click on http://www.dolfderoos.com/media/ choose the Red CD, and download the finance proposal….
Check out the other freebies too – certainly can’t hurt.
Cheers
MelOriginally posted by kay henry:
Yes, you can only chargewhat the market will pay… but I bet these spruikers were gearing up to charge higher and higher proices until Henry Kae fell down. Already, he was up to charging 50k. Imagine how many MORE secrets you could learn for 100k!!! And here would be people who’s pay it… and they’d walk out thinking they were the “elites”… that;s until the credit card statement came in.Ouch[axe][
][dead][dead2][xx(][arrowhead][bomb].Kay’s picking on me… runs sobbing into the corner
Cheers
Mel
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