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Bill, This thread is starting to take some 'unfortunate' turns isn't it? If my approach to this thread has been somewhat 'stronger' than normal, it's because I'm human and unfortunately you can frustrate the hell out of me at times. I'm not a professional debater, financial planner or...

Now that's fair enough Bill..........my apologies for that one. Not an intentional error...... While the Margin Loan will decrease, so will the overall interest so not all bad. 6.7%(LOC's) on $1.816m = $121,672 8.0% (Margin Loan Rate) on $1.816m = $145,280 Total Interest = $266,952 The...

Bill, Bill, Bill, Thanks for getting back to me..........always a pleasure. :) Ahhh......you didn't disappoint again Bill........bless you.....there's an old favourite. :) Ok Bill, I think it's apparent this will go round and round in circles with little resolution and I for one don't...

:D :D Bill.........you have all the religeous zeal of the righteous right don't you? Yet I don't think you even see it? :confused: It's Bill's way or the highway.........remember what I said about people's risk profiles Bill? This is up to the individual to decide. Not YOU Bill. The...

Oh thanks very much Simon! Now I'll worry all weekend about how I'll have to cater for these possible occurences too..... :D Let me see.......if I keep all my money under the bed........and put mines in the front lawn........damn it.......how do I cater for that direct bomb hit through...

Bill........I know whatever I say, you can always come back and say......."But what if the sharemarket falls by 60%, 70%, 80%?" "What if house prices don't move for the next 10 years, 20 years or more?" etc etc. Whatever my response, you can always simply 'notch it up' another 10% next round...

Of course you're quite right Bill.........keeping those assets probably isn't worth while...........at 7% the couple would be lucky to get an extra $161,700 pa in growth.......... :)

Hmmm.......I actually don't think Bill is being conservative enough here......also I think the equity required would be more and the interest rate higher for the Les situation....... :eek: BUT I still think it could work! We can all sit around and pick out the deficiencies of a...

Man's mind, stretched to a new idea, never goes back to its original dimension. ~ Oliver Wendell Holmes. A formal education will make you a living, self education will make you a fortune. ~ Jim Rohn I myself am my only obstacle to perfection. ~ Kierkegaard :)

Well said Ramada.......I couldn't agree more! :)

YES!!!! :D :D

Well you have lucky kids. :) Yourself and Julie are both a great example and a fantastic source of information. What do they say about ".......when the student is ready....." etc? :D All the best. :)

My wife 'on the surface' seems to take much less interest in these things than I do. However, the other night we went out and she began discussing someones financial situation......... She said "What they would be better off doing is ********, that would maximise ********** and allow...

Hi SC. I like the idea of Lo Docs for certain circumstances too........I haven't personally used them........but I understand how they work. The truth is out there........but there IS no conspiracy. :D :D :)

Ok SC, I don't want to go put words in either Steve's or Rolf's mouthes. They are far more capable of clarifying their own positions than I am. The only comment I would make about the linking between Steve's structured approach and Cashbonds is that although it's been a while since I went to...

:confused: This issue was certainly posted on InvestEd which is still in its first few weeks of operation and hence has a much smaller number of contributors, however I believe it did have a few responses. Fair suck of the sav.......the topic was only posted on Wednesday.........not...

Hi SC. The 'Silence is Deafening :mad: :mad: '? :p You don't think think this is just a little 'dramatic' do you? :D I guess Steve Navra would be one of the better people to comment on the specifics of the use of the Cashbond concept. As you well know, for personal reasons he generally...

Not sure about the Geography level of some though.....if it's not in the good old US of A it don't exist. When I was there I got talking to a couple who asked where I had come from. "Australia" I said. "Oh that's nice........did you drive?" :D

4218 would be 5.12 over 10 years 4066 would be 5.71 over 10 years. :)

Thanks for that James........a very useful little tool! :cool: Ahhh.....the 'old man' would be proud of you........ :)