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  1. Rickardo

    End of an Era

    A very sad day, i've been loving these forums for 12 years now. Thanks for everything.
  2. Rickardo

    what is it about YOU?

    This is a very interesting question and one I?ve thought about many times but still don?t have a good answer for. I clearly recall my first few early moments around saving ? early primary school when I would religiously deposit money into my bank account, and being at a friends house and...
  3. Rickardo

    20 year strategy (another one)

    Good work, you've thought about a reasonable strategy and that's further than most people get. I was in a similar situation to you around 10 years ago and i'm glad i've kept with it, definitely in a much better position than non investors and the next 10 years is when the huge gains are likely...
  4. Rickardo

    High Yielding Shares Again

    Steve, I've also read 'A Random Walk Down Wall Street' and found it good and would recommend it but essentially a similar message to Bogle's books just written in a different style - all pro index books that I've read tend to say the same thing, that over the long term, empirical research has...
  5. Rickardo

    High Yielding Shares Again

    If you liked it have a read of 'Common sense on mutual funds'. A similar concept but more in depth and updated post GFC. May be a bit of index fund overkill reading many similar books essentially saying the same thing, but i got value out of both.
  6. Rickardo

    Choosing a Broker - a thread for the newbies

    I would personally really like to see Somersoft members being able to name brokers and the specific reasons they didn't provide good service - and the threads not being deleted. There may be a range of reasons such as they just happen to miss something, got incredibly busy etc. If this is the...
  7. Rickardo

    Amp

    Any ideas when/if AMP are going to lower their fixed rates?
  8. Rickardo

    Paint

    Dulux Natural White
  9. Rickardo

    What do you do to relax/chill out

    Well it's currently Friday night and my relaxing includes watching cricket, having a bourbon and reading SS :) Apart from that I do the following: Read Watch movies / TV series / sports Gym Long walk / hike / run Catch up with friends Nice dinner / meal Travel
  10. Rickardo

    Strategic Investment View 2014: Sharemarkets

    IV, Given the year is now over, any chance of sharing your predictions on 2014 and analysing how they went?
  11. Rickardo

    20 US properties in 4 1/2 years

    Great post and awesome job. Your website on your link appears down?
  12. Rickardo

    Removing curry smells and showing new tenants around is this crazy?.

    Yep, give it a good sugar coat and clean first, see how that goes. With an undercoat / primer then 2 top coats it would have to be pretty severe to keep the smell.
  13. Rickardo

    Removing curry smells and showing new tenants around is this crazy?.

    I had some tenants who left a mild curry smell (slightly noticeable but nothing major). I gave the kitchen / lounge a paint (it would have been due in a few years anyway) and came up great. If you don't need to paint maybe a thorough sugar soap / clean of the walls could assist.
  14. Rickardo

    What are your plans for 2015

    Plans for 2015: Keep saving (at least half my income) and accumulating shares Complete both Kokoda Trek and Everest Base Camp Travel to Singapore and India Maybe buy IP number 5 or think about PPOR (depending how much cash I put into shares) Get my overall portfolio (shares and...
  15. Rickardo

    High Yielding Shares Again

    For those investing in funds such as VTS, how do you mitigate the currency risk? "The Vanguard US Total Market Shares Index ETF is fully exposed to the fluctuating values of foreign currencies as there will not be any hedging of foreign currencies to the Australian dollar."
  16. Rickardo

    Help me save money

    Use Vaya for mobile plans. $18 per month BYO phone plan is exactly the same as my old optus $60 plan and it runs through the optus network. I know people who have been on Vaya for over a year with not one complaint.
  17. Rickardo

    Name for a conveyancing business

    Thanks for all the responses so far (and the stupid ones have been quite amusing!) willair, I love this name. Apparently too boring and manly for her though :p
  18. Rickardo

    New Website - Get your credit score instantly

    Thanks Kesse, who's going to be the first test bunny? :p
  19. Rickardo

    Name for a conveyancing business

    westminster - great question and thanks for your detailed response RPI. My girlfriend is definitely aware of the upcoming electronic settlement so i'll see how she's factored it in. Thanks for the suggestions so far!
  20. Rickardo

    Name for a conveyancing business

    Yes this one is taken, and it seems anything with Conveancing or Conveyancers on the end mean you can't use the other, eg Precise Conveyancing is taken, therefore that cancels out the availability of Precise Conveyancers - suppose it helps with copying a very similar name.
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