Title.

For me it’s loading up on real estate investments that I can hold with positive cashflow at 2.5% retail lending rate

Others may be using leverage to increase their stock portfolio (in Aus our compulsory superannuation gives me enough exposure to the market)

Any other cool ideas?

I refinanced my house
At zero cost to me, except for a couple hours of my time, I lowered my monthly housing expense by 24%


Want to buy another property and rent it out this coming year, but might have to wait 2-3 more years, we’ll see


Just keeping an eye out for good opportunities

I applied for auto loan refinance because I have about 30k left on mine but at that amount the most I could have saved was about $1000 spread over 3.5 years. Just fukking lmao @ going through the trouble of all that chit to save $350/year that is poverty behavior so I didn't do it out of self respect.

Just lmao @ buying real estate with the potential downturn looming. If your main income is even potentially at risk and you take on that much debt plus sink capital into down payments I got some bad news.

mortgage rates in uk have gone up


wat u talkin aboot

I have been putting more into AAPL, got in around 114. My average return is 16% so far. Thinking about a stop loss trigger just in case. You guys have any ideas?

Not really, between my wage income, fee income and business profits as well as defined benefit scheme, superannuation etc I could get sacked tomorrow and it would be years before it affected my income.

I never hold cash because I’ve seen what happens when currency is suddenly devalued and I feel it can happen at any time.Buying land (with old houses) subdividing and developing. For a developer, interest holding costs are the main risk so for me this is a once-in-a-lifetime opportunity

Obviously, locking the interest rate in until approvals/construction/subdivision is completeLol wut

I’m not asking for your stock picking strategy

You could do that I'm not into that personally I'd spend the capital on expanding my business/buying out competition who couldn't weather the storm of covid shutdowns, or starting a second business that is based on high volume small scale purchases like buying a local cafe in a high income residential neighborhood (since all the upper middle class folks will be working from home moving forward) and having someone else run it for me.

Obviously I care more about having businesses than maximizing gains but that's because for me money is not my primary motivation it's serving people things they want and appreciate. I've found if you do that well the money will come and it's a pretty low stress fun lifestyle compared to looking at life as a dollar matrix.

poll miss
the rough anal sex with bite ******

If u are able to get unsecured loans at 2.5% i would just take advantage and follow with credit arbitrage and get rental properties across latin america

Rates here at Atleast 12% which makes leveraged purchases of real estate unsustainable but if u were able to get cheap money, u could get top property on a discount from all the people going broke right now

I have a couple hundred k on hand but in the context of a capital-intensive property development business that’s nothing

I keeps all cash in offset accounts so effectively earning 2.5%

I expect that once the recovery is in full swing there will be significant widespread price inflation which will erode the value of debts and I plan to enter the recovery holding a lot of real estate to sell

Lead time to get a property to market is bare minimum 2 years if everything goes exactly right so will use the ridiculously low interest rates to lower my operating costs