Changed my mind
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Changed my mind
Postby Missy24 » Wed Jun 23, 2010 10:27 pm
- Christine Tham
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Re: Changed my mind
Postby Christine Tham » Thu Jun 24, 2010 5:54 am
Please don't get the pink Pinny, because I've been lusting after it and if I get a job I'll probably buy it (I noticed the frame is now on sale for $4395).Missy24 wrote:I don't think I want the mountain bike any more...
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Re: Changed my mind
Postby Missy24 » Thu Jun 24, 2010 9:24 am
Nooo not getting the Pinny... just decided to be a grown up with my finances, I'm almost debt free 100%, all cards are gone and I've even got cash in the bank... I like this feeling, I feel safer.Christine Tham wrote:Please don't get the pink Pinny, because I've been lusting after it and if I get a job I'll probably buy it (I noticed the frame is now on sale for $4395).Missy24 wrote:I don't think I want the mountain bike any more...
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Re: Changed my mind
Postby hannos » Thu Jun 24, 2010 9:29 am
Missy24 wrote:Nooo not getting the Pinny... just decided to be a grown up with my finances, I'm almost debt free 100%, all cards are gone and I've even got cash in the bank... I like this feeling, I feel safer.Christine Tham wrote:Please don't get the pink Pinny, because I've been lusting after it and if I get a job I'll probably buy it (I noticed the frame is now on sale for $4395).Missy24 wrote:I don't think I want the mountain bike any more...
Pics or it never happened!
Women? with money? NEVER!!!
All women max out credit cards! There's no chance you're in the black!
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Re: Changed my mind
Postby Missy24 » Thu Jun 24, 2010 9:49 am
This will help secure a much better future for me (and in true Missy style I'll add) without the assistance of a man
I will look at a purchase perhaps at the end of the year and decide, until then, I will be a grown up (financially)
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Re: Changed my mind
Postby flammer » Thu Jun 24, 2010 10:44 am
Cards give one a false sense of affluence. Well done Ms Missy.Missy24 wrote: just decided to be a grown up with my finances, I'm almost debt free 100%, all cards are gone and I've even got cash in the bank... I like this feeling, I feel safer.
First two rules of financial progress:
1. Buy and pay off your first property by paying a little more than the minimum.
2. Buy a negatively geared property.
Avoid advertised/promoted investments, they're for suckers. Look at the managed agricultural white elephants.
But also remember that you need to spoil yourself occasionally - but only if you pay cash.
SynapseLiquigas Mt Fuji Pro
CAAD 7 Reborn as Cyclocross Gazelle AA Special
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Re: Changed my mind
Postby MichaelB » Thu Jun 24, 2010 11:09 am
Need a new name now.Missy24 wrote: Nooo not getting the Pinny... just decided to be a grown up with my finances, I'm almost debt free 100%, all cards are gone and I've even got cash in the bank... I like this feeling, I feel safer.
Captain Sensible !!!!
(Is there a female slaution = to 'Captain' ?)
Well done. Do the same myself. Can't have it if I don't have the money in the bank.
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Re: Changed my mind
Postby Missy24 » Thu Jun 24, 2010 2:56 pm
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Re: Changed my mind
Postby toolonglegs » Thu Jun 24, 2010 3:21 pm
Wish I had chosen security before adventure .
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Re: Changed my mind
Postby Christine Tham » Thu Jun 24, 2010 4:09 pm
Princess Smart?Missy24 wrote:Um nooo lets not name me as Captain Sensible...
I was going to say Smart and Sassy, but that sounded too much like a shampoo.
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Re: Changed my mind
Postby Christine Tham » Thu Jun 24, 2010 4:11 pm
If you had played your cards right, instead of being in boring old France you could have been ... First Cyclist on the Moon!toolonglegs wrote:Oh this is why no mtb ...what is it with young people today .
Wish I had chosen security before adventure .
PS - although I think you need a mountain ... nope, MOON bike for that. Also, if you break a crank, it may be a long walk back to the spacecraft.
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Re: Changed my mind
Postby Zynster » Thu Jun 24, 2010 4:12 pm
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Re: Changed my mind
Postby gorilla monsoon » Thu Jun 24, 2010 5:10 pm
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Re: Changed my mind
Postby toolonglegs » Thu Jun 24, 2010 5:17 pm
My power to weight ratio would be awesum on the moon .Christine Tham wrote:If you had played your cards right, instead of being in boring old France you could have been ... First Cyclist on the Moon!toolonglegs wrote:Oh this is why no mtb ...what is it with young people today .
Wish I had chosen security before adventure .
PS - although I think you need a mountain ... nope, MOON bike for that. Also, if you break a crank, it may be a long walk back to the spacecraft.
Anyway I am not the problem...if it had be down to me I would of stayed in the UK back in the 90's when I was photographing covers 3 or 4 times a week.But my wife can't decide where to live...so after picking up and moving 4 or 5 countries we still are not happy.Next on the list is New York / Singapore /NZ or back to Sydney .
See I was only half joking when I said this... "Wish I had chosen security before adventure" /
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Re: Changed my mind
Postby flammer » Thu Jun 24, 2010 5:20 pm
Bad luck to choose your own nick name. Miss-chief gets my vote.gorilla monsoon wrote:Miss-chief!
SynapseLiquigas Mt Fuji Pro
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Re: Changed my mind
Postby Missy24 » Thu Jun 24, 2010 6:24 pm
Awesome... should I petition to have it changed by Christopher?flammer wrote:Bad luck to choose your own nick name. Miss-chief gets my vote.gorilla monsoon wrote:Miss-chief!
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Re: Changed my mind
Postby trailgumby » Thu Jun 24, 2010 6:45 pm
Hey Missy, congratulations. You're doing well to have come to that realisation so young.flammer wrote:Cards give one a false sense of affluence. Well done Ms Missy.Missy24 wrote: just decided to be a grown up with my finances, I'm almost debt free 100%, all cards are gone and I've even got cash in the bank... I like this feeling, I feel safer.
First two rules of financial progress:
1. Buy and pay off your first property by paying a little more than the minimum.
2. Buy a negatively geared property.
Avoid advertised/promoted investments, they're for suckers. Look at the managed agricultural white elephants.
But also remember that you need to spoil yourself occasionally - but only if you pay cash.
I agree with most of flammer's post above - very sound common sense. The one point I have to disagree with is negative gearing. It's a no go zone - significantly ups your risk. Ask yourself this: how many days forward can you surive financially if you stop working? I could go a couple of years, but my aim is to be able to do so infinitely.
Remember this:
An asset puts money in your pocket TODAY.
A liability takes money out of your pocket.
In those terms, is a negatively geared property an asset or a liability?
Rich people only buy assets.
Negative gearing is for shmucks who get sold stuff by real estate agents or property "investment" shysters. And for those of you who say you can't buy positively geared property these days, yes you're right. YOU can't do it.
The rest I agree with. Cardinal rule: never go into debt for consumer purchases. In contrast, going into debt for something that pays for itself BEFORE tax is an example of GOOD debt.
I've got a reading list that covers mindset and strategies to achive the above if you're interested.
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Re: Changed my mind
Postby toolonglegs » Thu Jun 24, 2010 7:03 pm
heheIf you've never failed...you've never lived.
Life = Risk
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Re: Changed my mind
Postby Missy24 » Thu Jun 24, 2010 7:09 pm
Thanks, about the negative gearing, I know I can't spell and my grammer is !! BAN ME NOW FOR SWEARING !!, but you'd be surprised at what I know about accounting
Mum's an accountant and the down low from her after many discussions on how to try and claim my bike expenses/purchasing a new home/avoiding paying HECS/avoiding my tax bill... etc etc etc basically anything to do with avoidance and you guys think I have issues with me... you should see my tax issues
The down low on negative gearing for me was, "forget it you don't earn enough... move on next question"
I don't call it failing... I call it trying until you find what works for you, that being said I've tried a lot of thingstoolonglegs wrote:heheIf you've never failed...you've never lived.
Life = Risk
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Re: Changed my mind
Postby moosterbounce » Thu Jun 24, 2010 10:36 pm
1. mtb is not cool - stick to road
2. money is fun. We buy everything on credit cards but only when we have enough cash to afford it. Then we pay it off immediately. Have ben doing this forever. I remember our dining table being plastic for like 2 years because we couldn't justify the cash on a nice one. No biggie - the other one worked
3. n+1 still exists...it's just been re-priortised
Now then...I'm just going to nip to the garage and stare at that new racing kayak I just picked up
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Re: Changed my mind
Postby Nobody » Thu Jun 24, 2010 11:21 pm
Sorry, but I must have missed the thread that stated this. Could you direct me to it please?moosterbounce wrote:That's cool. You've learned three important things...
1. mtb is not cool - stick to road
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Re: Changed my mind
Postby Missy24 » Thu Jun 24, 2010 11:42 pm
Sure its right hereNobody wrote:Sorry, but I must have missed the thread that stated this. Could you direct me to it please?moosterbounce wrote:That's cool. You've learned three important things...
1. mtb is not cool - stick to road
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Re: Changed my mind
Postby Nobody » Thu Jun 24, 2010 11:47 pm
Yeah, thanks. I read all that before but I couldn't see any scientific evidence which states "MTB is not cool". Oh well, just have to keep thinking MTB is still cool then...Missy24 wrote:Sure its right hereNobody wrote:Sorry, but I must have missed the thread that stated this. Could you direct me to it please?moosterbounce wrote:That's cool. You've learned three important things...
1. mtb is not cool - stick to road
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Re: Changed my mind
Postby Missy24 » Thu Jun 24, 2010 11:55 pm
Yeah, thanks. I read all that before but I couldn't see any scientific evidence which states "MTB is not cool". Oh well, just have to keep thinking MTB is still cool then... [/quote]Nobody wrote:Sure its right hereMissy24 wrote:Sorry, but I must have missed the thread that stated this. Could you direct me to it please?Nobody wrote:
1. mtb is not cool - stick to road
This is my thread, its unique cause you don't need evidence, you do however need my approval... tsk tsk tsk, not doing to well
Have fun and sleep well
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Re: Changed my mind
Postby Apple » Sun Jun 27, 2010 5:49 pm
Speak your mind,Those that mind dont matter, Those that matter dont mind!!
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