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Ipinvestor - congrats on the latest purchase. :D So in hindsight, was your fear helpful or hindering? Would you do anything differently if you had your time over? Or are you happy with the way things progressed? Bayveiw - what an absolute load of crap, you don't beleive in God, good on you...

The problem arises when real fear becomes irrational. Fear may arise because of a legitimate reason, and yet still be out of proportion with reality. I am afraid servicability will tighten up significantly and I won't get a loan, but that fear is actually a little irrational as it means that...

Just thought I would add that we are essentially a single income family (my income is minimal at best), and we are just about to jump back up to a 93% LVR, provided interest rates don't jump up too much and we are still servicable for the loan and we can get a 95%LVR on this purchase, when our...

Fear is good. It lets you know you are alive. It causes you to question things and take active steps toward risk management. Just don't let the fear overcome you - it has it's place, but there will ALWAYS be some kind of reason why you shouldn't do something; you need to ensure you fear does...