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Ah, the old lucky argument. Luck, as far as I'm concerned goes hand in hand with action. Even the lotto winners had to make some effort to get to the newsagency :)

Actually I just remembered what one of my relatives said on Boxing Day, when we were discussing the current market in Sydney: "No, I'm not going to buy now as I'm waiting for prices to fall 30% and people get desperate to sell" His theory is to wait until interest rates rise as there will...

I've let my parents know that I don't expect any inheritance whatsoever from them and that they should enjoy the fruits of their labour, rather than worrying about leaving it to any of us five offspring. Must be taking my advice seriously, as they are off on an 8 week European trip this year...

My favourite is the old debt theory too which are similar to all the ones already mentioned. In the end, you can lead a horse to water etc. Perhaps the saddest, however, are the excessive worriers, who will never take action on most things in life that present a challenge simply due to the...