The totally off-topic thread

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Think it's time to go back to ignore. Enough insults.

Please spare me this nonsense. It is not an insult to repeat your oft stated view that opinion is more important than science.

Game, set and match - a truly unplayable serve!

But I seem to recall some black science mumbo jumbo (often paid for by the industry bodies themselves) saying that all of the following had NO harmful side-affects on living people:
  • Asbestos
  • Smoking
  • 245T
  • 245DT
  • Thalidomide
  • Aluminium
  • Lead
  • Fenfluramine/phentermine (Fen-Phen) - After 24 years on the market - It is estimated that as many as 6.5 million people took it to help fight obesity. After consumers began experiencing heart disease and other pulmonary problems, the FDA set the recall in motion. American Lawyer reported that more than 50,000 Fen-Phen victims have filed suits against Fen-Phen’s maker Wyeth, and legal expenses combined with awards may have exceeded $21 billion.
  • Diethylstilbestrol (DES) - It was not until 1971 before it was connected to a rare tumor that kept appearing in the daughters of women who had taken it.
  • Cerivastatin (Baycol) - Baycol, prescribed to patients as a treatment for high cholesterol, is reportedly responsible for more than 100,000 deaths and about as many lawsuits.
  • Rofecoxib (Vioxx) 5 years on the market - Vioxx, prescribed to more than 20 million people as a pain reliever for arthritis, was found to be responsible for increased risk of heart attack and stroke. Both Merck and the FDA were roundly criticized for ignoring evidence of the dangers of Vioxx before its eventual recall.
  • Valdecoxib (Bextra) - 1 year on the market - Pharmacia & UpJohn Company was fined $1.195 billion, in addition to legal awards, after admitting to criminal wrongdoing, specifically with ‘intent to defraud or mislead’ in relation to the promotion of the drug.
  • Troglitazone (Rezulin) - 1 year on the market - Rezulin, an anti-diabetic and anti-inflammatory drug, was eventually found to be causally connected with hepatitis.
  • Able Laboratories Generic Prescription Drugs - Some drugs were found to be too potent; others not potent enough. Moreover, four of its managers were found to have fraudulently distributed misbranded and adulterated drugs.
  • Terfenadine (Seldane) - 13 years on the market - The FDA sought a recall from the manufacturer after cases of cardiac arrhythmia (abnormal electrical activity in the heart) appeared in patients taking Seldane with other drugs. The recall is notable mostly for its scale; more than 100 million patients worldwide used Terfenandine as of 1990.
  • Phenylpropanolamine (PPA) - over 60 years on the market - For decades it was used for everything from dieting to cold medication to treatment of psychological disorders, existing in a kind of limbo where it was neither banned nor fully endorsed. That is, until an analysis by Yale University in 2000 recognized its connection with cardiac events and stroke, particularly in women.
  • Mibefradil (Posicor) - In only one year on the market, Posicor was linked to 123 deaths. Considered relatively safe when taken alone, Posicor became potentially deadly when combined with any of 25 different drugs. The large number of deaths are troublesome considering that the drug was prescribed to no more than 200,000 people worldwide in the space of one year, a relatively small number. Posicor is on this list for stimulating debate surrounding policies encouraging the FDA to hasten the approval of certain drugs. It is often cited as a strong example of what can go wrong when drugs are rushed to market.

This list is a bit out-of date. (Don't mention the Statins...)

Very other of date list, including a number of items that were never designed as medical treatment or have never been through the modern medical research process. Therefore relevance is questionable.

Regardless of whether you feel that the use of stem cell technology is safe to use, others have the right to choose a different path and IMO it's nothing to do with "science black magic' which i think is a bit disingenuous. If I was offered part in a trial for a serious disease (which thankfully I don't have) I would think long and hard and read up as much as I could before deciding. If I had tried most other things I probably would elect to go the stem cell way but others have the right to pass on this option and it's none of my business - they have that right as John K does. He is not convinced that the technology is safe yet. Likewise I can accept your view on the technology that for you there is no issue.

The issue is the claim that medical research is treating someone like a guinea pig. Science does not just randomly inject stuff into people. Studies are undertaken to demonstrate safety. One example given is trying a drug that did nothing to help a person's condition. There are so many problems with that anecdote: Did the person get the actual agent or a placebo? Was the agent part of an approved trial? If so how were they able to choose to stop taking it after a number of years? Where they instead buying something available to the public that was marketing as a cure?

So I have every right to take issue with such attempts to attack and diminish the scientific process, to undermine that process on nothing more than opinion. Objecting to that false attack, absolutely is not an attempt to deny someone's right to choose, or to make an informed decision. In fact informed consent is specifically part of the research process. It is disingenuous to say that my rejection of an uninformed blanket rejection of all research is an attempt to deny people information or free choice.
 
It's ok for you to put off kids, but that's not an option for us women. These things have a finite lifespan. I already work full time and run a business. Holidays are done using points. Wine is a pleasure that I enjoy. And sometimes we spend on these things because we have no hope in hell of buying a house. An unliveable knockdown in our suburb is $1.8million. How do you suppose a young person with joy family assistance with an average job can afford somewhere to live.

Maybe we should just buy an investment property and make a loss, so that we pay no tax at all...

Probably a better opinion. I'm taking the view that investment in Sydney is more affordable than buying myself a place to live during the week. Hotel bills are becoming unmanageable, but is still lower than the cost of buying/mortgaging my own place.

I agree to not buy to lose money, and you need to be able to afford the costs that will be involved. Also to state the obvious, you will have paid 5 times as much as whatever tax you get back. So if you're on a 20% tax rate and pay $1000 in tax, you need to spend $5000 to pay zero tax. (note I've just made these number up, not sure if they match the ATO tax system) But you can probably get to a nice cost neutral position. If you get a place less than 50 years old the capital depreciation allowance (I forget the correct term) kicks in and gets a nice deduction. The great thing is the capital deduction isn't a real cost. So my investment property had expenses that were just about = to the rent. I then had ~$6000 depreciation for decline in value for the building = ~$2000 tax refund.

Make sure you ask for the capital depreciation schedule if you do buy an investment place. If not available need to pay a quantity surveyor.

Oh and remember you can't avoid taxes. You pay on the capital gain when you sell. I might have got $40000 in tax refunds over the years, but I ended up paying $100000 on the capital gain.
 
I have no intention of living in a $3m home, unless of course someone wants to give me one :p

Interesting that tonights yoga class focussed on living for the now, because you never know what will happen tomorrow.
 
I have no intention of living in a $3m home, unless of course someone wants to give me one :p

Interesting that tonights yoga class focussed on living for the now, because you never know what will happen tomorrow.

Nah not even then. Would no doubt require more cleaning/maintenance than I have patience for.
 
[rant]
JohnK, I was with my father when he died. He had suffered for ten years with Parkinsons. He died in the same year as he was planning to retire. As a surgeon he was forced to stop work sooner than he had wanted. He had also worked his butt off for his entire life to provide for a family and to allow a retirement filled with travel and playing golf every day. Working a six and a half day week he gave up many things and in the end, his enjoyment of retirement was one of them.

As a result I am planning for my future as well as enjoying today - in case there is no future.

Please don't preach to blackcat20 about how she should live her life. I reckon she does pretty well.
[/rant]

I guess this is what I was trying to say in a previous post. Don't count on tomorrow being there, enjoy your life for what you have now, everyone has different expectations and wants, things can change in an instant.
 
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Slight coincidence - my 'other' house settles about a week after that. Not much to cash in though, as it has appreciated at about the same rate as CPI. :(
That's not good. I'm not netting much cash either due to poor decision making but I do get a bonus as I miscalculated the capital gain tax owed and it's actually ~$7,000 less and I don't have to pay until March 2018. Plan to invest the capital gain ~3.01% for ~18 months. Not a lot but that's better off in my pocket.

Now what to do with the rest? Cash in? Don't trust share markets.
 
Interesting that tonights yoga class focussed on living for the now, because you never know what will happen tomorrow.
There ya go - I think JohnnyK can now say 'I rest my case!'

FTR - and at the risk of receiving any 'Well are you the martyr' responses - I was 38yo before I ever flew out of Australia - before that I spent every weekend / waking hour working to earn a few measly bucks to pay for Uni Accom / buy a few beers / help save the family business / build a nest egg to try to get ahead - any of you people who think JohnnyK is off the mark might just need a little head tweak.

Times change - but one thing that does not change is the fact that nothing good comes easy.
 
I have no intention of living in a $3m home, unless of course someone wants to give me one :p

Interesting that tonights yoga class focussed on living for the now, because you never know what will happen tomorrow.


Could not have said it better myself!
 
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And attempting to point out the massive flaws in our current laws that have prioritised investors over young families.

There's no way that anyone can fix that without very specific, discriminating and draconian laws that will never pass any parliament, let alone one aligned strongly to the right.

Times change - but one thing that does not change is the fact that nothing good comes easy.

Nothing comes easy, but that's also not to say there is only one correct way for a person to live their life.

Mind, the "life" I was supposedly mapped out for was medical career, married and at least two kids by 30 years old, own house and a good car, preferably a Mercedes or BMW, own medical practice and maybe playing golf 1-2 times a week. So, I've royally failed on all fronts there, and it still surprises me why the folks still want to know me, let alone let me live in the same house as them...
 
Hang on there with your self judgement. I enjoy your company and you were bold enough to go to my grandparents land of Switzerland which would be a 9.5 on the difficulty scale.
 
I have said it before, it would be nice to have a 'dislike' option as well as a 'like' option, just saying!
 
I have said it before, it would be nice to have a 'dislike' option as well as a 'like' option, just saying!

You could always just do it the old fashioned way, which is quote the post and add your reaction.
 
There ya go - I think JohnnyK can now say 'I rest my case!'

FTR - and at the risk of receiving any 'Well are you the martyr' responses - I was 38yo before I ever flew out of Australia - before that I spent every weekend / waking hour working to earn a few measly bucks to pay for Uni Accom / buy a few beers / help save the family business / build a nest egg to try to get ahead - any of you people who think JohnnyK is off the mark might just need a little head tweak.

Times change - but one thing that does not change is the fact that nothing good comes easy.
Wind up or not but still some very good advice. Work hard and don't take too many risks.
 
That's not good. I'm not netting much cash either due to poor decision making but I do get a bonus as I miscalculated the capital gain tax owed and it's actually ~$7,000 less and I don't have to pay until March 2018. Plan to invest the capital gain ~3.01% for ~18 months. Not a lot but that's better off in my pocket.

Now what to do with the rest? Cash in? Don't trust share markets.




Well I dare say there are many more options out there to find out what would be best for you rather than relying on this forum, just saying........
 
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Nope, I'd suggest my comment about living for the now supports my view. Life is too short to live like a Scrooge when I can be out enjoying the things I want to do.
IMHO the real truth is in the balance between the two.

If I went out and did everything I want to do now I would not have enough money to support myself in the future. (Assuming I survive a reasonable time going forward)

ps I wish a few people here would read the meaning of what people are writing rather than put their own spin on other peoples thoughts.
 
IMHO the real truth is in the balance between the two.

...

ps I wish a few people here would read the meaning of what people are writing rather than put their own spin on other peoples thoughts.

The truth may be between the two, but the poles are always the camps of the winning teams. That's why we have only two political parties - virtually everyone hates to vote for the middle.

The problem with writing is that it only captures often one dimension (unless we go super long winded) that we otherwise do much better when speaking and/or gesturing. Such is the danger with a written forum.
 
IMHO the real truth is in the balance between the two.

If I went out and did everything I want to do now I would not have enough money to support myself in the future. (Assuming I survive a reasonable time going forward)

ps I wish a few people here would read the meaning of what people are writing rather than put their own spin on other peoples thoughts.

That I will certainly agree with.

We're saving. Hard. But we also like to play a bit too. Last year I made $34k (I'm upskilling to get a better job), but I also managed to save $10k AND book flights around the world in F.

Our weekly grocery bill for two of us is ~$100, I doubt many if any at all here spend less then we do and eat as well and healthily as we do. AFF events are about the only time we eat out. Yes we do have a wine problem :oops: but we buy smart. I've never owned a new car. Neither of us owe anything on a car. I don't own the latest phone.

I have family in three countries. Anyone who tells me that I'm not allowed to visit my mother because I should be be a scrooge is delusional.

The automatic putdown that I must be over-entitled because of my age is pretty disappointing.
 
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Life is too short to live like a Scrooge when I can be out enjoying the things I want to do.
In a rental property owned by a landlord? So what was the point again? Blind Freddy can see house prices in Australia are too high - guess what - that's what I thought in 1976, 1986, 1996, 2006 and 2016 - little has changed.
Wind up or not but still some very good advice. Work hard and don't take too many risks.
Was no wind up.
 
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