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-- AJ --

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Everything posted by -- AJ --

  1. Umm no. And to justify that comment. I'm currently working on a project where as part of the data analysis phase I've come across a large number of Statements of Advice from financial advisers to their clients. In certain age brackets, I would suggest that quite a few of them are extremely questionable when it comes to deciding whether the advice is in the best interests of the clients or the Financial Adviser. And Personal experience - we saw a (recommended) Financial Adviser earlier this year where we told them that we wern't interested in Managed funds (having had bad experiences previously) and had no faith in the Superannuation system and the muppets that legislate and/or administer it. The financial advisers advise - Put our savings into their own private Managed fund (with some absolutely shocking fees and charges) and dump extra money into our Superannuation funds. They were predicting somewhere between 7% and 10% growth. Realistically, had we followed their advice, we would have lost a significant amount of money of the past 9 months. Following our own thoughts and theories, we're in front' But having said all that, I'm guessing that there are good financial advisers out there but I certainly havn't come across them yet. AJ
  2. Been with my team (no managers) out camping for a weekend a few times now. Was pretty good therapy after months of stress and frustration. Only rules were: 1. Have Fun 2. What is said and what happens around the campfire stays around the campfire 3. You have to work with these people on Monday so if you make a complete goose of yourself they will remember even if they say nothing. So me accidentally setting a 440g butane canister alight while holding it has remained the stuff of urban legend.😁
  3. Hmmm. Last few companies I've worked for seemed to have a an excess of "managers" who had little or no people skills. Maybe thats why they are made managers. Don't have the people skills to play nicely with the rest of the staff. AJ
  4. Yeah similar experience with me. Wanted some basic advice but end up paying $1600 for him to tell us to invest our money in Managed Funds (managed by him). Wasn't a particularly good deal either. We are getting a better ROI off our shares than what they were offering through the managed fund. The piss poor part of all this was that we told them we wern't interested in managed funds after extremely poor experiences previously. Pretty much walked out of his office thinking that we had a better grasp of the financial world than he did. Absolutely certain that he was way out of his depth with the complexity of our financial situation. I'm sure there are some excellent financial advisers out there but you have to wade through the plethora of half baked people following a generalistic formula to find the one that can provide the right advice for your unique circumstances. AJ
  5. My call would be to wait. There are plenty of people out there who have seriously overextended themselves on their credit and if people are suffering from "mortgage stress" now then imagine what it'll be like if interest rates go up another percent or 2 and house prices drop another 5%. It will become a buyers market. Was recently looking into getting another investment property but had to bail out at the last minute due to getting my finance denied (being made redundant tends to make financial institutions reluctant to lend out money ). In the end it seems that was a good thing because the same property is now on the market at $30K less. AJ
  6. -- AJ --

    Skin checks

    Wherever you decide to go, don't delay going. I nearly cancelled an appointment last year because I just couldn't feel bothered to go. Glad I ended up going. Doc found one on my leg. A Level 1 melonoma which he cut out the next day. Another suspicious one found on my back about 3 months later but that turned out to be nothing. Checked again last week and all clear.
  7. Thanks for that. Simple works for me too. Off to eBay to see what I can get. AJ
  8. Hey Keiran. What did you use to attach the solar panel to the Rhino rack? Just a L bracket or is there some fancy Rhino attachment to do it? I want to do something similar for my next trip to Moreton Island so I can keep the aux battery charged while the fridge keeps the stuff cold in the back. In the past I've just set the panel up on the sand when we were stopped AJ
  9. -- AJ --

    Origin

    Good? Seriously? Given that most punters were expecting them to win easily, to only win by 4 in Sydney would suggest that not all is as it appears.
  10. A old horse trainer once told me - They can look good, train good, even warmup good but if they've got no heart in them then they're no good and won't win. Could have been describing too many NSW teams If NSW don't truely believe they can win it then Queensland will cause the upset of the century -Queensland by 1. If they do believe - NSW by 30
  11. While there's money involved...never
  12. -- AJ --

    Royal Wedding

    Personally I don't care what shes wearing, whos walking her down the aisle, whos going to be there (or not be there) or whether Prince Phillip will nod off during the ceremony. So in other words I've just realised I should have gone camping this weekend at one of those places where phone reception is non-existent. I'm thinking a Hot Campfire, Cold drinks, good mates and a distinct lack of political correctness would be a much more interesting prospect tonight
  13. Walked past the front gates almost every day on my way to/from uni. Only walked through them a couple of times but otherwise pretty much avoided it if I could. Hated crowds then, still hate crowds now.
  14. Possibly true depending on circumstances https://www.homeloanexperts.com.au/credit-score-home-loan/can-pre-approval-affect-credit-score/ https://www.equifax.com/personal/education/credit/score/how-is-credit-score-calculated/ are a couple of good reads.
  15. I once applied for an IT position for a large well known company and they went down the track of insisting that all applicants do an online profiling test that had absolutely nothing to do with IT and everything to do with determining how many little blocks were in a picture. Got about 15 minutes into this test before I pulled the plug. Rang up their HR dept and told them I was withdrawing my application because I refuse to work for any company that felt the need to put their applicants through that before they would even interview them. For some reason they seemed seriously disappointed
  16. So the way I'm reading it Lastpass will automatically enter the password and/or other details into the webpage for you? Is that correct?
  17. -- AJ --

    Cricket

    I'd be sorry too if I lost a couple of million $$$ because I didn't have the balls to stand up for what I knew was right. And another thing - "Error of Judgement" my arse. The only Error of Judgement here was a complete underestimation of the outrage of the Australian public to a blatant and premeditated attempt to cheat and what that outrage would achieve. They thought they'd only get a slap on the wrist if they got caught and were prepared to accept that. Suddenly they realise its cost them everything they once held dear. I figure we'll only see them in Australian Teams in the future is if we can't win games in their absence. In which case it should then beg the question..."Did we really learn anything from this?"
  18. -- AJ --

    Cricket

    Heres a thought How about if the Aussie cricketers did some hard manual labour in the hot sun and pouring rain for stuff all pay and got a few rough callus's on their hands. Serves 2 purposes. They might appreciate the position and benefits that they've got a little bit more and they wouldn't need the sandpaper to rough up the ball.
  19. -- AJ --

    Cricket

    Smiths DRS call on the LBW in the last game was an error of judgement. This was a deliberate and planned action to cheat. Pretty amateurish attempt at it too. Boiled lolly anybody?
  20. -- AJ --

    Cricket

    I'd suggest this is the 2nd attempt at ball tampering this game by the Aussies so a life ban for Smith, 2 years for the senior leadership team and 2 years for Bancroft + big fines all round would be suitable punishments. Then never select them for any cricket team ever again.
  21. The days of just telling the facts is long gone. Everything has to be sensationalised and all the media outlets have an agenda. And news.com.au should be fined for false advertising because there ain't a lot of news on there. opinionpiece.com.au would probably be a more appropriate URL.
  22. Bloke I know is on a drip feed share purchase scheme at Suncorp and reckons he's actually lost money over the past 5 years because they always seem to buy at the high point of the cycle. He reckon right now is a perfect example of whats happening. Suncorp share price has been lowish for the past week and shares are usually issued on the 16th but he's betting they won't be issued till the 20th or 21st when the price has had time to rise by another $1.00-$1.20. Then again, considering the problems they've had today, the share price might drop too. AJ
  23. Crocosaurus Cove. Apparently there has never been a complaint about the food.
  24. In a diesel...no. Apparently its around $20K to fix a Landcruiser 200 series engine after you suck crap and water through the injectors
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