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Carolyn, You are probably right. Probably come from being in the project management business - risk management, of course, is a part of project management. I am also a numbers man but that is another story :D :D Seriously, I find that if I plan something in detail it becomes...

geoffw, I was calculating my net worth and somehow I inserted that in the above post :D :D . If only ... You're right, it should read 20 million Ozzies

Guys, The other thing to remember is most/all of us did SOMETHING!!! whether it be we bought more IPs, got rid of some poor-performing IPs, re-structured our assets, finetuned our loans, gained more knowledge through seminars and workshops, reduced our non-deductible debt, .... THAT IS...

Prior to 2003, we were trying to self-fund our way to financial independence. That is, by using our own money - we did have some borrowings but we keep them to a minimum. Our LVR in Jan 2003 was 8.5% (really, really conservative). One thing I learnt through this Forum and attending...

With reference to Sunstone's comment, last year we did set our goals of where we would be in 10 years time and, for each goal, we set at least one KPI to give it clarity and robustness. All of this was documented in our Financial Independence Strategic Plan. The Plan also included our current...