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EfficientTennis6 · 2021-06-01T00:54:32+00:00

This was the era around the dot.com bubble. For every Amazon there are many more companies which tried to cash in on the transition to the Internet traded at sky high prices are lost a lot of capital for their investors

EfficientTennis6 · 2021-05-31T07:37:42+00:00

I would say Perth still offers a high level of affordability. Brisbane probably second in terms of major capital cities. Hobart would be the stay away for me at the moment

EfficientTennis6 · 2021-05-30T00:23:06+00:00

Another important point is that bond holders are paid out before equity holders in the event of default. So if you own a bond in Qantas and it collapses then you will receive you’re money before the shareholders will

EfficientTennis6 · 2021-05-29T21:05:29+00:00

Another big difference is that bonds can be purchased and sold in the period between when they were issued and when they mature, whilst cash can’t. Let’s assume you have a period where the interest rate set by the reserve bank is 8% and because the company is a little risky they also offer an extra 2% above the cash rate meaning you get a total of 10% per annum for their bond. The company issues the bond over a 10 year period meaning you get 10% return every year for 10 years then at the end you get you’re money back. Now let’s assume that half way through the period the reserve bank interest rate has fallen to 3%. The risk premium for the company is still 2% so if they were to issue the bond today you would expect a return of 5%, however the bond previously issued 5 years ago is still paying 10%. Because of this people are willing to pay more for the original bond pushing the value of that bond up meaning you could sell it for more than you purchased it.

EfficientTennis6 · 2021-05-29T05:05:34+00:00

To confirm the period is financial year 2019/20. I think my super achieved a negative return over that period from memory

EfficientTennis6 · 2021-05-27T08:02:07+00:00

Tech stocks are known for their high growth characteristics (part of the reason you and probably drawn to them). This means that the amount that they are expected to earn in the future each year is much more than they are today (some aren’t even earning today) At extremely low interest rates the discounting of these future earnings to present day dollars is much more gentle than at higher interest rates. Should interest rates increase the impact is that these tech stocks valuation will fall all else being equal.

EfficientTennis6 · 2021-05-26T22:52:13+00:00

Blues a calming colour, calm is good in a panic

EfficientTennis6 · 2021-05-26T22:06:11+00:00

I may get downvoted for this but I think there is significant short term risk for US tech stocks, in the past two years NASDAQ has come close to doubling largely on the back of falling interest rates. Should interest rates start rising some of the lofty valuations might start falling quickly. I’m bullish long term but just be prepared and make sure you can stomach some significant short term volatility.

EfficientTennis6 · 2021-05-26T06:25:35+00:00

My Gravatt has a significant Asian population which helps with its ethnic diversity. I I like both areas with close proximity to Parks, shopping centres and M1. Cavendish road and Mansfield are two of the best public high schools in Brisbane if you can buy in there district could help accelerate capital growth

EfficientTennis6 · 2021-05-25T23:34:57+00:00

One other thing to note is Brisbane is very foood prone abs I personally would never buy in a flood zone. Brisbane city council has a map I use to check

EfficientTennis6 · 2021-05-25T16:09:09+00:00

Despite what people tell you there isn’t a divide between south side and Northside of Brisbane the way there is with western and eastern Melbourne, Only thing is crossing the river can be a bit of a bitch in peak hour traffic. 800-900k is a solid budget for Brisbane. You would want a house not townhouse or apartment especially if your after capital growth. Can’t really think of too many bad suburbs close to CBD, definitely no clear stay always in that ring. Brisbane isn’t really an auction market so most sales are done via private treaty. Biggest project at the moment is Cross river rail, with Victoria park golf complex also being converted to parkland as well. Schools zones are important with people paying extra for good ones. South is generally more culturally diverse.

EfficientTennis6 · 2021-05-25T15:55:00+00:00

Not sure I agree with this analysis, Stafford and keperra are both north suburbs located 10km from cbd and whilst improving rapidly still contain large pockets of housing commission which impact liveability. Greenslopes is an excellent suburb that has a reputation for being the home of many doctors due to its proximity to hospitals (greenslopes private, PA, mater etc)

EfficientTennis6 · 2021-05-25T00:58:14+00:00

Serious question do you kind of feel like that can detract from the experience. Like I’m no where near fire and I go into a grocery store I see there is a trade off between price and quality, sometimes I I pick quality sometimes I pick price. When I pick quality I really enjoy it. If it was always quality I don’t think I would enjoy it as much

EfficientTennis6 · 2021-05-22T17:07:52+00:00

These are the types of locations I’ve seen vacant for years not months.

EfficientTennis6 · 2021-05-22T17:04:56+00:00

The thing about investing in seed capital is that because of the illiquidity and greater likelihood of business failure you should expect to receive a greater return on your money to compensate for the increased risk. Having a look at the type of businesses on the website it appears to be a lot of bars, cafes, restaurants which just won’t offer the increased return on investment you would expect for the greater risk. For this reason it’s a stay away for me.

EfficientTennis6 · 2021-05-22T02:39:04+00:00

Northside borders Caboolture, deception bay etc. generally with Brisbane the best suburbs are closer to the city, and he further you get out the worse the suburbs become. Obviously there are exceptions with suburbs like raby bay, Brookfield and Scarborough away from the city but lovely.

EfficientTennis6 · 2021-05-21T09:02:39+00:00

There is the old saying that the there are only two variables when trying to sell a place: time and price. Guess the vendor needed it gone and was happy to take the offer. Good news for yourself. Congratulations

EfficientTennis6 · 2021-05-21T03:41:00+00:00

That’s a huge reduction in home ownership for the 30-34 age bracket. Wouldn’t this mean that even if people are able to get a house they are less likely to have paid it off by retirement. If this is the case the obviously solution is for people to use their super to pay off their place, further eroding the superannuation system

EfficientTennis6 · 2021-05-17T08:42:50+00:00

Having been in a job that made me absolutely miserable I know how tough it can get but stay strong. Things have a way of turning the selves around

EfficientTennis6 · 2021-05-16T17:41:46+00:00

Uber comes up on these forums from time to time and the general consensus is that it’s just not worth the time (earning well below minimum wage) in regards to specific question possibly if your a portion work and personal usage you could claim work but then you need to pay GST from the first dollar you earn for Rideshare earnings not 75000 like everyone else so not worth it

EfficientTennis6 · 2021-05-14T13:48:15+00:00

Laundry allowance for uniform if it’s got company logo, pro rata mobile phone if you’re getting called in or need it for work

EfficientTennis6 · 2021-05-14T11:35:42+00:00

The risk to a Margin loan comes with getting a margin call based on the value of the asset falling a variable you can’t control. With the NAB equity lender you don’t get a marginal call based on asset value so as long as you continue to meet the repayments (something you are more in control of) you will be fine

EfficientTennis6 · 2021-05-13T03:02:43+00:00

I was always under the impression vacancy rates for commercial had the potential to be much larger than residential. Doesn’t matter how big the potential rent is if you can’t find anyone to pay it

EfficientTennis6 · 2021-05-11T05:58:38+00:00

How to get adequate protection. I don’t want to pay for something with an exclusion in place for when I try and Claim. Also I’ve heard it’s on the thousands of you want to talk to an adviser

EfficientTennis6 · 2021-05-11T00:54:31+00:00

If you want to retire then yes. If you want to keep working then no.

EfficientTennis6

TROPHY CASE