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Global Credit Crunch


forliano

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Hey all...

Just thought I would see how any raiders are getting on...

Does anyone here watch the stock markets and have any investments - because mine are worth sweet FA now, only early in the project of building a portfolio, but still, smacked me around the park a little...

Its all paper loss as I don't plan on selling but its amazing how quickly things can turn around. The AU$ was soaring at 95-96c and the analysts were saying that it will be level with the US by the end of the year. One month later is down under 80c and major institutions are going belly up....

Wonder how long before we hit the bottom .....and a turn around starts....me thinks it could be a while/if ever...

Cheers

Ben

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G'day Ben

I wish you hadn't mentioned the sharemarket :1badmood:

After years of "playing it safe", I was talked into investing most of my savings in shares etc. about eighteen months ago. :1badmood: Because of my particular circumstances I'm pretty well screwed, as I may have to leave the workforce soon to look after a sick relative.

I know (hope?) the market will pick up eventually, but maybe there'll be more "pain" before that happens. As for my super ... :1badmood:

Like everone else, I wish I had an answer.

You're right Mariner 31, after a few great years, things are probably only back to what they should be. I just wish I had taken advantage of those "good years".

Cheers

Peter

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Good topic this boys...

All I know is my savings / investments for my new boat are gooooooooone!!!

Back to plan B keep the old boat going and hope the market comes back.

I think there are a lot of people out there who should be far more accountable for the mess we now find ourselves in. All too happy to take the fees and commissions with no or little responsibility for the outcomes.

cheers

inhlanzi

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I think tonight will be the acid test. If the Dow takes off after the G7 ( G20) 14 point plan then that will be an indicator we may have bottomed out but will most likely need to see how the week pans out to get a better indication.

I've been putting money in over recent weeks when the market was around 4700 - 4800.

At the time of writing this the ASX was at 4104. Have just placed a buy order today so fingers crossed there will be some recovery in the coming weeks

Its all paper loss as I don't plan on selling but its amazing how quickly things can turn around.

Ben is correct , it only becomes a loss if you have to sell , otherwise it is a sit & wait.

For interest , I got out of property trusts & International shares last year , now , have it either in cash or Oz shares

Geoff

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Good topic that will affect us all in some way.

I don't particularly like the advice given by the experts. They tell Aussies to not sell, don't panic.....etc

One things for sure, the investors that smelt a rat and sold early in the piece are doing alot better right now than the ones that held on.

What ever happened to the golden rule of investing.......setting a stop loss?

I think this market has a way to go yet, maybe down to 3300 points??? Only time will tell.

There's going to be some cheap boats on the market and i'm guessing some boatyards will be forced to close their doors.

Cheers

Red

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Yeah the old super fund looks pretty bleak ATM.

I am in a family super fund and they have done an awesome job with my $ over the years.

For me personally i like property - boring but safe.

After 12 years just paid off my mortgage :1prop:

I like to keep things simple.

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:Funny-Post: sorry to hear about every ones losses and we will all feel the hit on our super

but this had to happen and was pure greed that caused it

i follow world markets daily and have dun so for about 10 years hear are some maths that may make you think

the usa owe more than they make so the $'s can never be payed back [per head they owe more than they earn]

china give's all it's manufactoring companys a 30% discount on all steel products[that's 30%cheaper than the rest off the world payes for steel]

then the greedy little sales people in the usa sold shit loades off houses to people who could never aford them the rest is history

but usa being in ression[has been for 12 months] they will stop purchasing all the cheap stuff from china

[every thing in wallmart] sending china into ression as well

and if you think the usa was recless the eu was just as bad if not worse

hongkong exchange is a casino

were not at the bottom yet and australia has a credit card debit that is out off control

the full relisation off world debit is not yet accounted and i think were in for 18 more months off up and downs with many companys going under globaly

this may make you all laugh but a good indication off a slow down in austrlia is how many big tower cranes are working in the cbd if is under 14 thing are slowing in australia last time i counted there were under 7 that was 12 months ago

we have a generation off people that have never seen bad times[you know the ones new mc mantions,5bedrooms 2 storys full off new plasmas and crap they do'nt need

what pissed me off was 2 years ago my bank [one off the big 4]advised me to take out a margen lone for 100.000.00$ and invest in shares with 50 000.00 off my savings

this valuble info cost me 450.00 $ but i desided that the market was over valued and sat on the $

the all ords were at 4700 if i had off invested my 50 000.00 would be worth jack

gary

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The latest issues around the world have impacted on us personally already (Have been for 3-4 months) and our business is slowing considerably. Its a nervous time for everyone but as much as I hate to admit it this is probably something that needs to happen.

As an employer I find it difficult to get my head around the culture of todays youth, they seem to be born into this world with their hands out & a massive chip on their shoulders, "The World Owes Me" attitude is beyond out of control, its plain ridiculous. A large number of young people (17 to 25's mostly) seem to think the stories their parents & grand parents tell them about "Doing it Hard" are fairytales. They have no clue what real saving & hard work is all about. Having never experienced true hardship in this recent era it has all been made too easy for them to look around & think that they will never really have to put in the efforts it takes to create real security let alone real wealth.

A few years of finding it much harder to get & keep a job, with perhaps "God Forbid" a lower wage might just wake this indifferent generation & shake their little plastic lollipop worlds into reality.

When times get hard employers will no longer take the attitude they have for the last few years ("Put up with the work ethic of a lack-lustre workforce) because they will actually have a choice of candidate for a position & trust me they WILL make choices based on performance rather than attendance.

The future may hold a bleak prospect that business's with the words "Gourmet, Luxury, Designer, Limited Edition etc in their product ethos may see a large downturn in trade when money becomes tighter & the public realise these items are not as necessary as we used to think. Pride & Ego has never been as big a part of our culture as it is today. Those are the very things marketers rely on to sell crap to overindulgent punters who can't stand the thought of being the only one in their crew without the latest & greatest of anything.

Humble & Survival are about to take a massive bat to Pride & Ego.

Basic, Warehouse, Black & Gold, Value For Money, Bargin Bin etc could well be the big growth markets that take business from the super polished glitz traders.

Call me an old fashioned moaner but in my opinion there are a few out there that could do with a big smack in the face wake up call when it comes to "Doing It Tough"

PS - Just so you know, my rant doesn't mean I'm hoping for this to happen, just that I see a change that some poeple will handle better than others & those that realise knuckling down & getting on with the job of dragging our collective asses back to a decent bank balance rather than throwing themselves on the floor & chucking a tantrum will be the ones who will benifit most from "Doing It Tough"

Also, a disclaimer, I don't aim my winging at ALL youth, there are many many exceptions but it does seem to me that there is a very real culture out there today of "ME ME ME"

Cheers

(I feel much better now thanks :1prop: )

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Boof, you are on the money. I remember the days when my mum would line up at the Layby counter in stores like Target. Many people used the Layby system back then. I wonder how many do now??? I wonder how many have even heard of layby?

These days, we buy things we don't need with money we don't have. And thats a worry :thumbdown:

Cheers

Red

Edited by Red
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Hahaha yeah love the pic...

Pretty scary, I just can't see how we can rebound from this...

Admittedly I don't understand all the little bits and pieces that are happening, but seems to be too much we owe and too late, we are advancing way beyond our time, and I just can't see us rebounding...

Maybe I am just young and dumb, maybe being realistic that maybe we should start to all move to Dubai...

Cheers

Ben

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Thats a nice snap of Liz in uniform.

Personally my retirement date has just been extended by a number of years, almost everyone else would be in the same boat with their super funds all taking a hit.

I just go fishing and try to forget about it. :1fishing1:

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