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Pure gold. As you can see from my avatar, I'm not wearing a hat. That's because I've taken my hat of to your wisdom.

Do people still do this? Money in an offset account at todays ruling variable rate would provide a better effective yield than money in a term deposit account at 8% (after tax). Don't kick yourself. Be glad you won't be kicking yourself in 3 years time when rates go beyond the 8% you "missed...

Surely the succesful investors are those who have one or two shining investment examples to point to, then go on the road selling DVD's, mentoring programs or other such "secrets". They must be successful. Because they say they are. And they wouldn't lie, would they?