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SuperTed
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June 2, 2004 - 8:54 am
Originally posted by Supa Freak:
That has been my individual, personal, small fish experience, Please no body can me for it![confused2]
LoL why would you even think anyone or moderator would do that since you expressed your opinion[biggrin]
I liked your wrapping example
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June 2, 2004 - 8:44 am
Originally posted by melbear:
Have you got a QS report?
Good idea Mel. If you hold on to it
Another angle:
If you sell for what it has cost you ..you have at least gained a new experience.
And do you think you could possibly buy the same property in 12 months time for 10-20%less whilst saving a bigger deposit?
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June 2, 2004 - 8:32 am
Originally posted by georgisj:
Michael R,
being from the US or at least residing there, whilst the fed rates are 1%, what are mortgage rates? Business loan rates??
having spoken to someone in the last year from the US, they were indicating the home mortgage rates were around 6%. This seemed high given fed rates were at 1%.
I was watching CNBC the other night, and a range of experts were saying, that the market (bond and share market) has already priced in at least another 25 basis point rise. Not sure how much effect 25 or 50 basis point increase will have though.
James
Hi James the US banks must acheive higher returns on their lending then over here where banks margins are smaller (thats why they get creative with their fees
The market always looks to the future so even a “factored” in 25 or 50 basis points will be an indicator of whats is likely around the corner.
The banks share prices will be hit hard initially(good buying opportunity) before recovering to pre rise share price. SGB prob has the most to loose being the most exposed of the banks to the homelending market.
SuperTed
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June 2, 2004 - 2:04 am
The US fed meets at the end of the month, June. At the moment high oil prices (hit the $42 1983 peak) leading to higher inflation, extremely strong US business growth combined with smaller important issue of consumer debt at record highs should see the fed lift rates.
Our Reserve bank meets at the beginning of July so should be interesting if they follow the US lead..that is being an election year.
I think we can get away without a rate rise until after the election where as the US cannot really wait and must lift rates.
BRING IT ON!!!
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June 1, 2004 - 10:53 am
Well there has been plenty of examples over the yrs of tourist slowdowns and its affect on the local Cairns economy.
So has those underlying threats that caused those slowdowns dissappeared for international travellers?
Is there a likelyhood that the domestic economy will slow in the next few yrs?
Thinking about those 2 questions might give you a clearer perspsective on beautifull sunny Cairns[biggrin]
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June 1, 2004 - 3:54 am
Originally posted by fjficm:
hey anybody invested in west in areas like werribee, melton, baccchus
geez the houses there are quite nice although i was told the people there are hmmmm….. eefiee ie jerry springer specials etc
good yield though for an established satelite town with a grwoing population as melton is set as the fastest growing population accordibng to survey even more than brissie
who is a good real estate agent in werribee , melton etc
any replies welcomed – both positive and negative
ROFL I have a friend that lives in Werribee, he reckons the same thing. Funny thing is when Jerry Springer is on TV and I am on the phone or irc to him and he tells me off the latest local happennings[biggrin]
Well i spose you had to be there [biggrin][biggrin]
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May 26, 2004 - 10:18 am
Originally posted by wayneL:
Originally posted by Salubrious:
Its good to see there is a majority of agreeance on this issue. I remember bringing this topic up a month or two ago and was sliced and diced!
Hehehehehe……….A couple of us were talking about this sort of stuff late last year…you should have seen the reaction then!!!!!!!!![fear]
http://www.tradingforaliving.info
ROFL those same people havent added their thoughts on the unravelling reality that is unfolding before our eyes. [biggrin]
Just my opinion…. in six-twelve months time we will look back and see the whole tone of forum will have changed considerably.
The “real” players are the ones that can consistently perform in all markets…..afterall it is very hard to stuff up a boom in any market. Which then hides serious mistakes people make.
Sorry of on a tangent..
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May 26, 2004 - 10:03 am
Thats very handy, thanks Elvis
SuperTed
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May 26, 2004 - 9:38 am
Originally posted by kay henry:
Bruce said:
“Funny how the show used two females to illustrate poor impulse control and a totally screwed up understanding of credit.
Bruce
Mooloolaba, Qld”
What is funny, Bruce? I don’t get your point… or is that funny too?
kay henry
Most people get it Kay.
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May 26, 2004 - 9:24 am
Scremin you sound like one of the nicest well rounded teachers Ive kinda spoken too
Sadly most teachers I DO know have the opposite core teaching values that you have. ie priorities money, holidays.
I do agree that a lack of discipline at home should not be the fault of the teacher whos hands are tied behind their backs under the present political correct bs.
When i have children i would like to send them to a school where if they do something wrong they get a wack
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May 26, 2004 - 6:03 am
Originally posted by Pelicaninvestments:
Scremin,
Unfortunately…. historically teachers have been SO UNDERPAID
Scott
Sorry of topic but anyway….
Make the system performance based and i would gladly back the teachers demands until then why pay more cash. The argument put forward by the teachers union that you must “pay to get the high quality” doesnt cut it till high quality is measurable.
Scremin is the type of teacher that does make a difference and its these people the profession needs to keep.
Back on topic…
Success for me would be the same as other posters and that is not working but giving more of our short time on this planet to family and friends…afterall how long can you chase wealth for??
Seems most people only get success right after they have had a “life” experience.
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May 26, 2004 - 5:08 am
Originally posted by Marc1:
Who has experience with retirement villages?
I am thinking on these lines:
Build a nice group of “villas”, but much more high density than the usual; I am picturing a little town like in the cartoons, very small and real close. Designed for the elderly living alone or couple. Serviced and furnished with a couple of nurses on staff, a kitchen that can deliver meals etc.
Rent would be on the high side, perhaps not for the folks on just the pension, not sure on numbers just yet.
Is there something like this around that you know off I can go and have a look?
May God prosper you always.[biggrin]
Marc
A gated community with security….. i know my mum, my mother in law, nana, grandma are all paranoid about security when they havent even been affected by crime themselves. Afterall most residents in retired villages are women.
With this feature in mind i am certain that extra securtiy would attract the bigger $$$ paying customers in your retirement village.
Also my Grandma who is in a retirement village, all the food is bought in..they dont seem to make anything in the kitchen on site..which i found kinda strange..
Also they have to be single storey
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May 26, 2004 - 5:03 am
Originally posted by mrsuccessful:
I want to buy the wrap pack and im wondering if anyone is interested in going halves. Lets face it its all about saving money, so if anyone is interested give me a reply.
Cheers steve
stephen love
One of the dudley do rights is going to have something to say about this…….. (watching from the fence)
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May 26, 2004 - 4:51 am
Originally posted by shaunwalker:
i too am currently single and have a story you can laugh at.
i met this girl (30 years old single no hang ups etc) anyway we dated a couple of times seemed really nice.
any way i get an EMAIL from her several weeks later saying that she had invited another guy to a party and they had clicked. she was sorry about that and i was such a nice guy but could i give her some space.
oh ok i say in my return email.
anyway about 3 weeks later i get an email from her again. the guy had dumped her for some crappy reason (i didnt ask) and did i want to go out to dinner with her that week.
i politely told her “that although i dont have much self respect i do have some, you made your choice and lost so sorry.. goodbye”
no wonder she is still single.
when reading the email asking me out on a date i had to laugh and just think
karma baby…. karma!
cheers
shaun
Lead, Follow or get out of the bloody way
LoL she was probably playing both of you all along…and now she is so broken hearted you bad man At least you didnt use the word “fat” in your reply email.
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May 26, 2004 - 4:21 am
How sweet love is ….at least Freddy was thinking and got her to sign the pre-nup
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May 26, 2004 - 4:12 am
Originally posted by depreciator:
Adam, I can tell you the exact price of a Tax Depreciation Schedule in Cairns – $715 GST inc.
That’s the same price we charge for Canberra, Darwin and Albury (+ loads of other places).
Can you get cheaper schedules? Yep. I see them all the time. Will they pass scrutiny by the ATO? Not always.
As for an inspection this week, you’re pushing it. Best act quickly.
Scott – 1300 660033
So your schedules are guaranteed to pass ATO scrutiny??
Just curious that a 100-150% price difference would have to have some sought of attached guarantee, if it is a better product….
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May 26, 2004 - 4:03 am
Exit strategy is key to all investment plans and is the one important thing that is always over looked by many “investors” or traders.
LoL I bought up a similar topic and a moderator tried to pull the idea apart
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May 26, 2004 - 3:38 am
Originally posted by thefirstbruce:
was that the program they interviewed the overweight blonde who divorced, set up her ow business (recruitment agency), couldn’t curb her consumption habits (cafe lattes, clothes, OS trips, horses for the kids), then went bankrupt? Then she blamed the credit cards. She wrote a letter to the bank asking them to stop her from spending on the credit card. i.e. she was absolving responsibility for when to spend something on credit. I bet her father spoilt her, and the most important thing to her was keeping up with the Joneses.
As for the poker machine addict, this is what happens when your don’t pay attention in year 10 maths class, and believe that someone giving you credit is the same as being given money, which she said on several occasions.
Funny how the show used two females to illustrate poor impulse control and a totally screwed up understanding of credit.
Bruce
Mooloolaba, Qld
So true, this day and age its always someone elses fault when you dont succeed at something…which is easier then admitting to yourself that you just werent good enough.
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May 25, 2004 - 11:36 am
Originally posted by kaloni:
I was talking to some property investor friends
over the Weekend at a barbie and found out
although they a making good profits freom their
investment properties not many are willing to spend on holidays and enjoyment
So I thought wat are the views of other forumites
do you go on regular holidays dine out etc??
We go away on holidays at least 2 weeks a year
try to go out if we get babisitters.
Depends if they are using proceeds from profitable sales or using the “equity mate”
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May 25, 2004 - 11:34 am
30% from peak, 15-20% left to fall. Id go for 6 months as well but depends on the election.
Will we go to an election before the “shrub” (little Bush).
Rate rise definately on the cards after the election based on US rates and THIER economy not ours.
When $h1t hits the fan cash is king, as it was last recession, downturn, bust whatever you want to call it.