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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...