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Australian Members - Page 1842

post #27616 of 53444
"99% of the time people that rent never invest the difference between rent and mortgage" -- yes, very true.
post #27617 of 53444
Quote:
Originally Posted by fxh View Post

Generally the finer the stripe and thicker and more textured the weave the more toward business/formal wear although not always if its an English business style striped shirt with French cuffs.

Eh? I would have thought the opposite, although I could wrong.
Wouldn't it be the case that the finer and less textured the weave, the more formal/businesslike the fabric?
post #27618 of 53444
Quote:
Originally Posted by fxh View Post

I'd be just a tiny bit surprised if Robinsons had a St Pat's Day sale seeing they are in NI and prices in GBP not EU.

I also didn't see any of their shoe models named The De Valera Suede Wolf Tone, or the Micheal Collins Country Brogue.
I'm waiting for them to bring out Black & Tan spectators.
post #27619 of 53444
Quote:
Originally Posted by Charlie's Wardrobe View Post

The point, there is no way you could save 50k in cash in the same period unless possibly living with mum and dad and not having a life.

Really what you’re advocating is gearing up as a way to get higher returns. There is nothing wrong with this, but you could get similar results or potentially even better results by gearing up to purchase other types of investments, eg shares (especially recently). The key advantage to gearing up with property is that in Australia, banks are willing to lend much more against your equity for such purchases (be it a deposit, or equity in an existing property). While the most you will get as security against shares is 75% in say a margin lending account, most banks will be willing to lend you $4 for every $1 in equity you have. That give the borrower massive leverage, which allows for the type of returns you mention. That said, it’s based on the idea that prices are always going upAgain, nothing wrong with that, I myself have benefited from this effect. . There is always the old argument that “you can’t live in your share portfolio”, which does have some merit especially for your first home purchase.
Quote:
Originally Posted by tobiasj View Post

But enough about mortgages. I'm looking at getting some new shirts, what do people think are the most versatile colours/patterns for a shirt that can be worn both to work and more casually? I'm thinking fine stripes would be a good start:

http://luxire.com/collections/all-sorted-by-price-low-to-high/products/white-blue-pinstripe

(Or is that too formal for weekend wear?)

I'd say too formal. I'd side with a thinker stripe for formal/casual versatility.

Oh, and PS, I'll be at the Kimber launch next week for sure!
post #27620 of 53444
Quote:
Originally Posted by Petepan View Post

A house/apartment you live in is not an investment. It is to provide shelter. Not just physically, but also emotionally. The mental stability and the forced savings via repayments will manifest itself several years later, with different benefits to different people.

It is NOT a piggybank, nor is it a lottery ticket to a penthouse of your dreams.

If you can afford it, and factor in margin of safety for contingencies such as rises in interest rates, maintenance, and being temporarily out of a job for a few months, then buy it, live in it and enjoy it. as it will provide plenty of memories you will cherish.

Different kettle of fish if you are thinking of buying property as an investment/speculation.

Most people confuse the two.

Totaly agree, great social tradegy when a house became a line of credit instead of a home.
post #27621 of 53444
So much finance speak.

I just fucking love the menswear. Where are all the ties for my Tuesday?
post #27622 of 53444
Quote:
Originally Posted by CHECKstar View Post


I'd say too formal. I'd side with a thinker stripe for formal/casual versatility.
post #27623 of 53444
Quote:
Originally Posted by thebrownman View Post

So much finance speak.

I just fucking love the menswear. Where are all the ties for my Tuesday?

Orange knit for me as posted earlier.
post #27624 of 53444
Quote:
Originally Posted by Charlie's Wardrobe View Post

The point, there is no way you could save 50k in cash in the same period unless possibly living with mum and dad and not having a life.
 

Sorry, I beg to differ. $50k in 18 months you say? Well the missus and I did it just under 18 months, with combined incomes barely touching $100k, and paying rent to boot (for a shoebox 1 bedroom). It was not luxurious living during that time, but we got by. And that was after tax income.  We were socking away $3000 every month.  We did not buy shit we did not need, we took cheap driving holidays and stayed at cheap motels, we eat stuff that was on sale and in season, no fancy dinners, etc I think you get the drift.

 

There is an opportunity costs to everything, including the costs of "having a life".  In everyday parlance, you cannot have everything.

post #27625 of 53444
Fair enough, note though my experience was when I was single, living by myself. Actually I lie, I was with my now wife, but living by myself which is even more expensive than being single and living by yourself. In the same set of circumstances, I couldn't see it happening without a second income but in yours then sure thing. But I see what you mean, I was just writing from my circumstances at the time.
post #27626 of 53444
Quote:
Originally Posted by Charlie's Wardrobe View Post

Fair enough, note though my experience was when I was single, living by myself. Actually I lie, I was with my now wife, but living by myself which is even more expensive than being single and living by yourself. In the same set of circumstances, I couldn't see it happening without a second income but in yours then sure thing. But I see what you mean, I was just writing from my circumstances at the time.

Yes, I understand. We were married by then.  I suppose it would be different if it was bachelor me and single her both living apart and dating.  Different circumstances.

post #27627 of 53444
Quote:
Originally Posted by fxh View Post

Generally the finer the stripe and thicker and more textured the weave the more toward business/formal wear although not always if its an English business style striped shirt with French cuffs.
Quote:
Originally Posted by Journeyman View Post

Eh? I would have thought the opposite, although I could wrong.
Wouldn't it be the case that the finer and less textured the weave, the more formal/businesslike the fabric?

Yeah yeah - I know what I meant but its not what I typed.

I meant the more thicker and textured the more casual/relaxed etc
post #27628 of 53444
Quote:
Originally Posted by Prince of Paisley View Post

I'm waiting for them to bring out Black & Tan spectators.

ha - wish I'd thought of that - I'm a bit slow today.

It s this stupid hot weather.
post #27629 of 53444
..
Edited by fxh - 3/4/13 at 10:26pm
post #27630 of 53444
Quote:
Originally Posted by fxh View Post

Warning: Spoiler! (Click to show)


1= 70/30 bus/cas 2= 20/80 bus/cas 3= 40/60 bus/cas 4 = 60/40 bus/cas Warning: Spoiler! (Click to show)

1= 70/30 bus/cas 2 = 90/10 bus/cas 3= 80/20 bus/cas 4= 90/10 bus/cas 5= 40/60 bus/cas
Warning: Spoiler! (Click to show)
1= 01/99 bus/cas 2= 90/10 bus/cas

It does depend on what the weave and thickness is and what its worn with but thats my quick and dirty.

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