Recent content by Nullagine

A lender be.

Graph reading: 1. Real household incomes have been increasing. 2. Real rents have increased more slowly than household incomes. 3. Real house prices have increased much more rapidly than household incomes. 4. Real construction costs have been increasing at close to the same rate as...

The RBA is a thermometer not a furnace.

Yes. Whateverelse?

Bad debt worse.

No debt good debt.

I suggest you answer by estimating the Net Present Value. Here is a simple example: http://www.meadinkent.co.uk/excel_npv.htm Be careful that you do not discount the initial (up front) investment. You want an NPV greater than nought and by a significant margin. With net yields very low...

Investable Income = (105,000 - 30,000) + (60,000 - 13,000) - 2 * 25, 000 = 72,000 Residence is dead money = not investable. Assets = 570,000, total yield = (3% + (1 - 22.5%) * 7%) * 570,000 = 8.43% * 570,000 = 48,000 Liabilities: 130,000, cost 9% * 130,000 = 11,700 Cost of...

If from $1,500,000, I'd suggest that expectations have not met reality yet. However, if from licensing, franchising and the like then capital need not apply, just apply intellect.

Right now, put $450,000 undeducted contribution and ($50,000 - 9% * $150,000) / year salary sacrifice in super? Invested most conservatively that on its own would be worth about $1,700,000 and generate at age 60 a pension of about $68,000 / year which is about $51,000 in today's money. That...

$1M received 32 years from now is now worth $388,337 with inflation a constant 3%.

Invest $100 / month from age 18 to 50, to go from $0 to $1M would require a 16.7% / year after all costs compound rate of return. Increasing contribution by 8% / year would require a 13.5% / year compound rate of return. Alternatively, $17,356 compounded at 13.5% would give $1M over 32 years.

Your memory is shot. $50 / month would require a compound rate of return after all costs of 33% / year from age 18 to 40 from $0 to $1M. $50 / day would require a compound rate of return after all costs of 8% / year from age 18 to 40 from $0 to $1M. 4.5% / year if contribution grows 4.5%...

You appear to be missing the concept of dividends: payments out of the funds being a separate accounting entity from interest, tax, rent etc. Excess income, being net income - dividend, can be reinvested in some types of fund such as cash deposits but not so easily with other funds such as...

Even more of a DUD with debt. Totally dependant on future pie in the sky.