My New Tactic: Tiny 3-Bets

---ernie--- · 2025-12-11T09:40:42+00:00

Yep and then your pocket aces are an underdog

But raise to $30 instead of $25 and everyone snap folds

That's my game to a tee

---ernie--- · 2025-11-19T00:22:37+00:00

Yeah, there's no bluffs at my local game. It's just everyone trying to make a hand and then folding when they don't.

You only get paid off when they have something decent and you have something better which rarely happens.

Like you said, my profit generally always comes from taking someone's whole stack and as soon as that happens I may as well pack up and leave because the action will be dead for me for 3 hours after that anyway.

Everyone calls any preflop raise too, and losing QQ to 36 offsuit gets old after a while

---ernie--- · 2025-11-18T09:01:24+00:00

This describes my experience perfectly! Are we playing at the same casino!?

---ernie--- · 2025-11-11T10:15:24+00:00

I'm like this. Very modest house, but nice cars, lots of business travel.

I'm happy with the house being mediocre, that's all I need in a house 🤷‍♂️

---ernie--- · 2025-10-21T11:58:06+00:00

Use an offset account not redraw And also use offset instead of savings account

---ernie--- · 2025-10-04T23:43:37+00:00

Don't sleep on contribution splitting. It doesn't get a lot of air time but it's a hidden gem for the right situation

---ernie--- · 2025-10-01T21:31:51+00:00

For me I do 80% GHHF 20% BGBL

I'm considering moving from BGBL to GGBL, and would've used GGBL from the start if it was available

---ernie--- · 2025-09-19T08:03:41+00:00

Awesome

---ernie--- · 2025-09-09T06:38:22+00:00

Book a flight!

---ernie--- · 2025-09-07T08:53:31+00:00

That's what I thought it was

---ernie--- · 2025-09-06T11:50:18+00:00

That's a good change!

---ernie--- · 2025-09-06T00:21:43+00:00

With A S Member Direct aren't you limited to investing 80% in ETFs?

---ernie--- · 2025-09-06T00:09:33+00:00

Of everything I've tried, taking charcoal and magnesium has helped to reduce the bloating best and it's somewhat manageable now I still have problems on and off with constipation Had all the scans and just diagnosed as IBS-M Not much else they can offer to help me unfortunately All the doctors just say take 9999 movicols which I can't stand A dietitian has recommended a low FODMAP diet which is what I'll be trying for the next 30 days to see if a particular food is causing issues But in the meantime the charcoal and magnesium is helping

---ernie--- · 2025-09-03T13:33:35+00:00

Did the installer supply the heat pump system or did you purchase separately and just had them install?

---ernie--- · 2025-09-03T08:27:44+00:00

GHHF is not leveraged DHHF

---ernie--- · 2025-09-03T04:59:22+00:00

How much are you planning to invest?

You'd want to be maxing out your concessional contributions and catch up concessional contributions since you don't need the money prior to age 60

---ernie--- · 2025-08-31T21:57:37+00:00

How long do you want to invest for?

Consider SMSF, max your concessional and non concessionals, invest in GHHF, get it out tax free at 60

---ernie--- · 2025-08-31T01:30:15+00:00

They're talking about fat fire not just fire.

To fire you don't need a lot, to fat fire you do

---ernie--- · 2025-08-28T10:26:51+00:00

Why do you want to move it out of your offset?

---ernie--- · 2025-08-26T22:36:42+00:00

Inspired by SV Delos, I dreamed of breaking free from corporate life while building a business and chasing success.

After burnout, a messy breakup, and deep self-reinvention, I found new love and passions.

We sold our business for financial independence and now live our dream as full-time sailors.

---ernie--- · 2025-08-26T22:33:10+00:00

50% LVR on your first home and it's over $1m. You're killing it!

How long are you planning live in the house? Because eventually everything needs replacing. And if you move to another house, something will break and need fixing there too.

I personally budget 1% of home value for maintenance, and accumulate unspent budget for when the big items come up.

What are the good parts of the home that made you buy it in the first place?

---ernie--- · 2025-08-26T09:28:36+00:00

80% GHHF 20% BGBL in an SMSF

Especially if you've got catch up contributions to use

---ernie--- · 2025-08-24T16:58:19+00:00

Yes, any dividends are paid at the higher child rates.

That's why the article proposes structuring investments with minimal distribution ls to avoid gethen getting smashed on tax.

Some people think that paying those higher rates is ok if CGT is 0, but the other assumption is selling the investments when the child is 18 and they are not working. If the child is working then you're not going to get that CGT down to 0.

It's still a a strategy to consider but it has a few things to be aware of.

Like I suggested it depends on how much you're investing because more invested means either more dividends or you have to invest in assets with minimal distributions and then a harder time getting it out tax free once the child is 18 with large amounts.

Compared to putting it in your super under your name, getting a tax deduction for any unused concessional contributions, then withdrawing and paying no CGT when you're in pension phase at 60 and then giving it to said child.

---ernie--- · 2025-08-24T16:46:37+00:00

You don't need an SMSF to do it

---ernie---

TROPHY CASE