There was a good analogy from the sermon today.
It was about what to not do when leaving something in God's hands.
Here's the analogy.

There's an old man who just bought lots of glass stuff and was finding it really tiring to take it back home. So he called his son, who was a really good removalist, known for his reliability. His son arrived and offered to put it in the truck for him but the old man said he's scared that it'll break so he'll take it up himself. The son then told him to put it all down and sit in the front with him while he drives it home, but the old man says he'll look after it all in the back. After a driving for a while, the son hears his dad huffing and puffing and has a look to see what's happening. He sees his dad standing in the back with all the stuff still on him cos he's scared it'll break.

Of course, the normal thing to do would be to just put it all in the back and sit in the front. That is what leaving stuff in God's hands is about, it's letting him handle the hard stuff and you just go with the flow. Then when the hard stuff is all done, u just gotta do a little bit to complete it. That is, take the stuff off the truck.

Defer your HECS!

I just calculated that it is cheaper to defer HECS than pay upfront, assuming you save the money that you could use to pay upfront.

Here's the calculations.
Eg. HECS $10000
Discounted 20% HECS for upfront $8000
Index rate 3%
Bank interest rate 6%
Defered amount after 10years 10000 * 1.03^10 = $13439
Upfront amount put in bank 8000*1.06^10 = $14326

There you go. Just as long as you save the money, you actually pay less by deferring. Actual rates right now are actually better than the ones I just used to calculate it. Real index is 2.8%.

I've been going crazy buying lately! However, I plan to offset this by selling stuff on ebay and at uni! I just bought a new pda yesterday cos I found a really good program to type notes for study and it only works on windows mobile so can't use my palm! I'm gonna put my palm tx on ebay soon.

I'm also planning to sell my old textbooks at uni. Prob get me around $300-$400, if I can sell them out. I also finished Assassin's Creed after a couple weeks and there is no replayability fun in it so I'm selling that too. It's up on ebay already.

I got new headphones and they sound even better than the earphones I got around 9months ago! I don't think my computer outputs enough power to utilise their full potential though cos it sounds a lot fuller when I connect it to my hifi. I only plan on using it at home so no big problem.

I should also do more exercise. I'm so weak now.. Need to hypertrophise those muscles again! Get those satellite cells to reproduce to make more myosites. I've also got DOMS from SID from some exercise yesterday.