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October 22, 2003 - 6:46 am
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
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October 22, 2003 - 6:14 am
DAYUM HES SOOOOOOOOO SEXXXXXXXXXXXXXXXXXXY!!!
but why wasnt he half naked??? [!]
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October 22, 2003 - 6:10 am
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 whatever they want with money they haved saved (we do try and direct them towards saving and banking tho)
My eldest turned 10 in August….and she still has the $23.65 left over from her Bday. She counts her money every week…and has no interest in spending it…..YET!! LOL
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October 22, 2003 - 5:55 am
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
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October 22, 2003 - 4:18 am
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 virtually FREE!.
Jim.
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October 22, 2003 - 3:47 am
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!

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October 22, 2003 - 3:10 am
I’d really appreciate a copy gentlemanjim, thanks heaps!! [8D]
[email protected]
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October 21, 2003 - 12:26 pm
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 time.
I ordered some emergency plastic windscreens from the local rep. Not a great demand in local city streets, but figured they were a good idea. I was questioned about the choice of stock for the showroom. I made a $10 bet that I would sell one by the end of the day. They retailed for less than $5, so I bought one to win the bet!!
Phil
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October 21, 2003 - 12:25 pm
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 time.
I ordered some emergency plastic windscreens from the local rep. Not a great demand in local city streets, but figured they were a good idea. I was questioned about the choice of stock for the showroom. I made a $10 bet that I would sell one by the end of the day. They retailed for less than $5, so I bought one to win the bet!!
Phil
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October 21, 2003 - 11:36 am
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
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October 21, 2003 - 11:23 am
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, would you simply use the difference between the two for your calculation?
Regards, Phil
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October 21, 2003 - 9:35 am
Hi all,
Mel .. exactly !!
See you at Olim’s
Regards, Phil
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October 21, 2003 - 6:31 am
you mean to tell me YOU HAVE A DISHWASHER??? [][]
I do too….they are called KIDS lol
~ If at first you dont succeed…destroy ALL evidence you ever tried to begin with! ~ :þ
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October 21, 2003 - 6:13 am
lmao mel I actually offered Sarah that choice….and she wants to be called Aliceteena.
Where do they get these ideas from? LOL
~ If at first you dont succeed…destroy ALL evidence you ever tried to begin with! ~ :þ
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October 21, 2003 - 5:47 am
You are right, it is the adjustment for the fix rate. Hopefully the bank will hold on the variables. I am quite sensitive with this now.
[]
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October 21, 2003 - 5:44 am
LMSAO!!
Laughing My Sexy Asss Off!!
GBY
God Bless you
WHFO
When Hell freezes over
Then theres my fave….STFDASTFU
Sit the %#&^ down and shut the &%$# up!! LOL
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October 21, 2003 - 3:28 am
from sex to new zealanders to golf……..
*shaking head at you all*
I GIVE UP!!!!!![][][]
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October 21, 2003 - 3:19 am
the steam may be gone….but its still HOT!! LOLOL[][][] []
~ If at first you dont succeed…destroy ALL evidence you ever tried to begin with! ~ :þ
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October 20, 2003 - 11:19 pm
Great little summary Pin!
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October 20, 2003 - 12:07 pm
Hi Mel and LuckyOne,
I’m not certain about placing my accountants name out into the ether here. Don’t get me wrong, he’s been terrific with business, investment and wage issues. He even sorted out a $4,500 refund for my lady friend, after her previous accountant calculated about $250 !!
He is up to date with ruling changes. If you buy me a scotch on Saturday Lucky, I’d be happy to introduce you to him. (My only ulterior motive is the scotch by the way .. no spotters fee OK?) Hope you can make it.
Kind regards, Phil