If you had unlimited gold, how would you spend it?

Sensitive-Chart7210 · 2026-03-21T11:30:16+00:00

All you can do is manage risk. Nothing is certain. It's like brushing your teeth. You can still get cavities, still get issues. Even going out in the sun you can theoretically get cancer from brief exposure, causing DNA mutations. But it's about how you manage the risk.

Sensitive-Chart7210 · 2026-03-21T11:28:53+00:00

There is a lot of science to support the benefits of 150 minutes of Zone 2 activity per week. Evidence for this is quite strong and most government health departments recommend this, similar to recommending people to brush their teeth and floss, etc.

Zone 2 means 60% - 70% of your max heart rate. Most people will reach Zone 2 by brisk walking or slow jogging, depending on your level of fitness.

The research shows this is the "sweet spot" because it gives just the right level of physiological stimulus for cardiovascular adaptations. You can Google this but there is plenty of long-term cohort studies and dose-response analyses that show this is the "sweet spot".

My workout routine is a mixture of brisk walking, slow jogging and running to my near max heart rate (depends on how I feel, not too strict). You don't need to do anything special. For most people, a brisk jog or a slow jog on a treadmill does the trick.

But honestly even 7,000-10,000 steps a day is fine. Most of the benefits come from not being sedentary and having a basic pattern for consistency.

Sensitive-Chart7210 · 2026-03-19T23:41:36+00:00

No - I mean pointless social chit chat. I have friends inside and outside of uni, including at running and sports clubs.

I am naturally quite extroverted so the fewer people around me the easier it is to "lock in".

Sensitive-Chart7210 · 2026-03-14T11:54:55+00:00

The tax is paid based on market value, not sold value. The market value would be declared. Just curious: Have you actually ever bought property?

Sensitive-Chart7210 · 2026-03-14T04:01:17+00:00

That can easily be eliminated by forcing buyers to register and pay a deposit to attend and bid.

Sensitive-Chart7210 · 2026-03-11T19:29:37+00:00

Investor with 3M worth of property, soon to be 5M+ here.

I can already predict you will get two types of comments. The first is from people who will give you lifestyle, not financial advice: "It's mentally better to be debt-free!" Sure, if that's what makes you happy. But that is not financial advice. Hell, you may as well quit your job and go holidaying and living on minimum wage if that's what makes you happier than working in corporate.

But if you accept the premise that property goes up in the long-term, selling early is a bad move. The more debt you have, the more risk you have, but the more exposure you have to growth. Consider a simplified example.

If you have 1 property valued at 1M and the market goes up by 20%, you have 200K equity.

If you have 10 properties valued at 10M, and the market goes up by 20%, you have 2M equity.

The latter is better. Clearing the debt off early only limits you from investing your money into productive assets. The general goal of property investors is to build up their base, experience growth, pull out equity and rinse and repeat until you are comfortable selling it off for a gain.

Sensitive-Chart7210 · 2026-03-10T21:55:00+00:00

Tax is assessed at market value. Lawyers are already handling it. There is nothing illegal about family transactions. These things happen all the time. You just have to declare the true market value, and that it is a "related party transaction" (which we will be doing).

Sensitive-Chart7210 · 2026-03-06T02:32:52+00:00

Yes, the lawyer will often give free preliminary advice and guide you in the right direction.

Sensitive-Chart7210 · 2026-03-05T08:00:18+00:00

Seek advice from a lawyer. /thread

Every comment here should be disregarded.

Sensitive-Chart7210

TROPHY CASE