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Hang gliding in Rio Brazil. I did it tandem with an instructor. It was terrifying at the beginning, and then I truly enjoyed the experience. Landed on a beach, no dramas there. Another adrenaline type of situation was going on a Favelas tour in Rio. Favelas are shanty towns in Rio, usually run...

And I wonder how many managed funds was he trying to flog this time ? It sustains his automated business model. He does not lecture out of kindness and caring for the masses. It is just a clever way of marketing himself and his business, and getting new blood (clients) to pay for his lifestyle...

I, like Sim, have Nod32 v2.7 antivirus. For years I was using Norton's/Symantec antivirus, but changed last year. Norton slowed booting of my computer considerably and was very memory/space hungry. Nod 32 is very unobtrusive, fast and works in real time, scanning while I browse. I picked up...

Hi Ian, I decided to go back to my bank. I negotiated a good deal for myself and saved money on refinancing costs. Because I am on a professional package with my bank this gave me a discount on interest rates, great savings on refinancing costs and also saved me hassles with paperwork. I...

Ooops, I better check my spelling. I meant Opes Prime, not Opus. Must have music in my head. :D

This is why I am paying attention to news like this. And what I am seeing is starting to worry me. I've noticed many hedge funds are collapsing like dominoes. Investment banks are falling down, the latest in trouble is someone called IKB in Germany I think. And the Bear Sterns saga continues...

Please let me know how the "info" session went. I was a valued client. I really like Bill, however I am now becoming my own "guru". I am scouring and searching for "independant" information, and prefer to do my own research, and listen to my own inner guru. I decided to unsubscribe from...

This is why I am monitoring banks and other financial institutions. I do not like what I am seeing. Where else to put my money? Is anywhere safe? Put it in a home safe? Under the mattress, like my grandparents' generation? However a house fire or robbery could ruin this "safety"...

Gorgeous Sunnies Hi TC, I just love your sunnies. Thank you for the pics. They put a smile on my face. Happy Easter, Cheers, GMG.

Thanks guys. I am still having problems. Will test it out again once I have more time. Happy Easter Everyone!

Still the quote didn't work. How do you put/insert the quote in a nice blue shade? You can tell I am not the world's best computer user. Thanks.

Ooops, better learn how to quote I would much prefer to deal with a boutique outfit....trouble is they all have some vested interests. :D Sorry, this was supposed to be at the start of my last post.

I would much prefer to deal with a boutique outfit....trouble is they all have some vested interests. Yes they do. Both outfits have their own agendas. I have had experience with both. Selling Machines!!! Not for me. I decided to be my own FP. GMG for her own guru award :D I like...

From my own personal observations, I find that if a particular item is very popular in the news, it is already too late. Someone else has already made a fat profit, and now will be cashing in even more once the Joe public gets excited about getting rich. Same as with the "hotspots" in...

:D 1. When you break your toe and it takes 3 months to heal it, and it is still not healed! 2. The need for reading glasses, and the panic when you forget them and cannot read any fine print. And then you borrow someone else's glasses. 3. Sticking to the correct speed limit when driving. 4...

Well done Jason! How many times I heard that the financial planners advised their customers to dispose of property investments. Mine asked me "why on earth do you want another one? Property is risky! These funds will serve you much better". Well, direct property does not pay any kickbacks...

Of course it is more fun to make profits! :D I don't like losing, especially with highly geared/borrowed money. It hurts twice as much :( However, I agree, there soon may be some good bargains to be had. Just for me, I will not borrow to invest in the sharemarket anymore, and I never...

yes, I am interested in SMSF too. For now though, I will thoroughly study all info I can about SMSFs. And of course there is a possiblity that the laws will change again regarding SMSFs. For now though, I am leaving my super in an industry fund until I feel more confident on what I need to...

"If you don't understand, don't sign". Hear, hear. That was my experience also. I trusted so called experts and gurus. Since I was a very busy professional, I had no time for full time financial education and double checking the advice I received. After all, that's why I paid the experts...

I have 2 rather large LOCs at present, with not much drawn there. I took a redundancy last year from a well paid job, and 1/2 of my pay-out I was advised to put back into one LOC. Have under $15k in savings. Not sure when I will work next. For now I should be OK for few years, providing my...