Phoenix's Profile

Discussions Phoenix is involved in

  • Describe Your Sex Life With a ''Movie Title''

    Last post: Phoenix on 04.12.12 at 23:28 | Started by CORTEX on 28.01.12

    Lord of the Rings? More about Describe Your Sex Life With a ''Movie Title''

  • Win a Microsoft Prize Pack

    Last post: Phoenix on 26.11.12 at 12:52 | Started by HairToday on 26.11.12

    It would be good timing...my mouse died :( More about Win a Microsoft Prize Pack

  • House prices!! I hope one day i can afford my own house.

    Last post: Phoenix on 29.10.12 at 12:34 | Started by bart on 29.10.12

    Good luck to you!

    I recently bought my own home...The hardest thing I found was getting the deposit together! Kiwisaver and savings only got me part way there and I had to get an extra loan from a family member to cover the difference otherwise I would have been waiting another 5-10 years saving the rest probably (and yes I have to pay it back). One bank still declined me but another one took a punt and it is paying off for them now. I have three kids and my partner is only working part time but we manage. I highly recommend paying rates weekly/fortnightly/monthly the same as your mortgage payments. We have friends that struggle every time the bill comes in but we don't even notice it because it is basically paid in advance.

    If you are wondering whether you can afford it - try finding out what the cost would be for you to get a loan and pay the difference between that and your current rent into a savings account. If you dip into it all the time, you can't currently afford that level of a loan. If you can keep that up for a good amount of time, not only do you know you can afford it but you are starting to build up a bit of a deposit as well. That's what I tried to do and it helped me.

    Letting the landlord know you will be moving out is pretty awesome! More about House prices!! I hope one day i can afford my own house.

  • Which sport requires the greatest mental toughness?

    Last post: Phoenix on 09.10.12 at 12:14 | Started by Kiwi Gas on 09.06.12

    Any sport - the mental toughness is what gets you to the top. That's what pushes the best to train the extra hours after everyone else has gone home, to carry on through injury, to get up after they get knocked down. Whether it's accuracy and precision or will power and mental endurance...the mentally weak fall along the way while the strong keep on pushing the limits. More about Which sport requires the greatest mental toughness?

  • BEING SINGLE?OR IN A RELATIONSHIP?

    Last post: Phoenix on 01.10.12 at 23:33 | Started by RickieRay on 17.09.12

    Not all relationships mean you can't do what you want. My girl let's me have my time with the boys and I let her have her time with the girls. It's pretty awesome when I go to footy training and get back late and she has dinner cooked and waiting for me...couldn't get that if I was single because none of my mates would do that for me. Only my parents and there is no way I will willingly move in with them, bless them. More about BEING SINGLE?OR IN A RELATIONSHIP?

  • Win with Gillette

    Last post: Phoenix on 01.10.12 at 23:17 | Started by Doug on 01.10.12

    Right on... More about Win with Gillette

  • Long Island Iced Tea Drink

    Last post: Phoenix on 01.10.12 at 23:15 | Started by barnes10 on 11.07.10

    Yeah, in a tall glass with just a dash of coke and a load of alcohol. Then get ready for a night of bad decisions! More about Long Island Iced Tea Drink

  • Win with Jim Beam

    Last post: Phoenix on 01.10.12 at 23:09 | Started by Doug on 01.10.12

    Yuss, finally some Bourbon!!! More about Win with Jim Beam

  • Hand razor or electric shaver?

    Last post: Phoenix on 17.09.12 at 13:49 | Started by Gonzala on 02.09.12

    I have never used an electric shaver but was wondering what they are like to use. But after reading the comments I think I will stick to the hand razor...I like the close shave/smooth finish. Then again it might be good to have as a backup in case I am in a hurry! More about Hand razor or electric shaver?

  • Win one of two Galliano Vanilla bottles!

    Last post: Phoenix on 17.09.12 at 13:43 | Started by Dan on 17.09.12

    yeah buddy...
    More about Win one of two Galliano Vanilla bottles!

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