Graynomad:
OK get it, just needed the context, for example I believe long and short meant something a lot different to the guys fighting in Vietnam.
What does "long" and "short" have to do with guys fighting in Vietnam? 
Out of curiosity how do you invest your spare money down under? Here in the USA the order would be something like:
- Leave it in the bank (almost no interest)
- Certificate of Deposit (very little interest)
- Money Market (meh)
- Mutual Fund (ok, but has middlemen)
- Stock Market
We also have our "401K" which is a tax-free retirement plan (when putting the money in) but it's controlled by your employer and of course can only be taken out when you retire.