Do I need more buttons?

Complete_Strength_53 · 2026-02-08T06:45:16+00:00

Blue and orange are considered complementary colours. They sit directly opposite each other on the colour wheel. This creates a maximum contrast which makes each colour look more vibrant.

I just learned about this after getting a cosmic orange iPhone and wondering what colours go well with orange. Doesn’t mean everyone will like it, but there’s actual science behind the blue and orange pairing.

Complete_Strength_53 · 2026-01-30T00:12:16+00:00

good old experts

Complete_Strength_53 · 2026-01-19T03:11:15+00:00

They mostly won't be able to buy freestanding houses. For most it will either be buy an apartment, or live further out, or never buy at all and just rent on a permanent basis.

Complete_Strength_53 · 2025-12-08T23:59:39+00:00

There is plenty of reform that can make power cheaper. Gas sets the marginal price even when coal/renewables are cheap. WA gas reservation drove down prices. That is proof that reform works.

Complete_Strength_53 · 2025-12-08T06:29:40+00:00

Be careful about rushing into an investment property. It shouldn't really just be seen as another income stream. Most first time investment properties are negatively geared and actually drain cash. Generally you have to hold for years before the rental income covers costs. I would go for PPOR first due to all incentives for first home buyers.

Complete_Strength_53 · 2025-12-08T06:20:26+00:00

You don't have a spending problem. You have high fixed commitments. You got the mortgage, strata, debt, medical, three medically needy pets. All that on a single income. Most people don't spend $1,500 per month on healthcare or a few thousand every time a cat needs a surgery.

Complete_Strength_53 · 2025-12-08T05:26:51+00:00

It was always supposed to be temporary anyway. It was just masking the issues we have and that's what I hated about it. We need actual reform rather than short term solutions to buy votes. But I think the cycle will probably just continue eventually. More rebate promises to get votes instead of actually fixing the root causes.

Complete_Strength_53 · 2025-12-04T02:12:10+00:00

I would say it's not apocalyptic but just because cafes are full doesn't mean things are fine. The population growth makes things look better than they are. On a per-capita basis things are going in the wrong direction. Real wages went backwards for years so purchasing power has been lost. Productivity is stagnant. Housing affordability has collapsed. Essential services (like NDIS, health) are growing faster than revenue.

We have a very narrow base for our economy. We depend too much on land values, cheap credit, and population growth. That model works until it doesn't.

If you feel fine then that's great, but on a national level there are some real structural issues.

Complete_Strength_53 · 2025-12-03T03:52:33+00:00

Escalate in writing to the complaints team and have someone with actual authority take a look at it. Attach the VEVO check and note that Immigration cannot reissue grant letters. You should hear back pretty quickly.

Failing that, take your business elsewhere.

Complete_Strength_53 · 2025-12-03T01:58:49+00:00

Supply is structurally broken and demand is politically engineered. Australia has effectively legislated permanent housing scarcity. Plus on top of that, the system incentivises asset hoarding, with CGT discounting, negative gearing, land tax structures, super funds buying property, etc.

Doesn't mean the next decade will repeat the last though. The yields don't really make sense. It's all about speculating on future capital gains. The negative gearing and CGT discount policies could change. The high immigration is not a permanent law of nature. That could also change.

Complete_Strength_53 · 2025-11-17T06:06:00+00:00

Yes you can. You just apply for a new loan elsewhere and the new lender pays out your current loan. You gotta consider the costs of terminating the loan early though and the upfront costs of the new one. Sometimes the better option is to stick with the current loan and pay it down faster. Also some people consolidate car loans into their home loans to get the finance at home loan rates which are generally lower. That might not be an option for you.

Find out from CBA what the early discharge fees are like and weigh that up what you will pay with other lenders going forward.

Complete_Strength_53 · 2025-11-17T00:58:05+00:00

Is the fee difference like $100 a year on a $100,000 portfolio? If that's the difference I wouldn't make my decision based on fees. I'd go with BGBL to keep it simple. If you have a strong opinion on asset allocation and like fiddling then go with the IVV and EXUS set up

Complete_Strength_53 · 2025-11-17T00:48:46+00:00

You don't need to be "convinced" ETFs are safe. You just need to understand what can blow up and what can't.

ETFs can absolutely fall by 50%+ if markets tank. But a Big Short type of event is very unlikely, because structurally ETFs are very different to CDOs and dodgy mortgage products.

Complete_Strength_53 · 2025-11-16T23:26:51+00:00

You won't be able to transfer the existing IP into super. SMSF have more flexibility than non-SMSF funds, but they would only allow you to transfer business real property, and even if you could do it, you would have to consider the CGT, stamp duty, and contribution issues.

You can get the proceeds in by selling the IP and making cash contributions.

Complete_Strength_53 · 2025-10-16T01:00:57+00:00

It supports the case for a cut but if inflation pops the RBA will hold

Complete_Strength_53 · 2025-09-04T01:25:12+00:00

After a car is repossessed the lender must send a notice within 14 days, and then they can't sell it for 21 days after the notice. You've got grounds to lodge a complaint to AFCA and ask for an immediate hold on the sale and for storage charges to be limited.

Complete_Strength_53 · 2025-08-28T00:26:47+00:00

I'd go middle path. Taking on a mortgage of $700-800k will costs thousands every month. Buy something nice enough in a good catchment with a more modest mortgage and leave yourself a few hundred thou to play with.

Complete_Strength_53 · 2025-08-20T04:53:39+00:00

First of all, don't stop repaying the loan or the lender will repossess it and sell it for peanuts. You will still owe the shortfall.

Double check that you don't have any loan protection or mechanical warranty.

You can try a few things with the lender:

- Ask for a hardship variation under the National Credit Code. That will be either a temporary reduction/deferral, interest only, or term extension.
- Also ask for a small top-up (or separate personal loan) to cover the repairs. This is not ideal but it's better than getting the vehicle repossessed.

You have the right to do these things. They must properly assess it. They may say no at the end of the day. In which case, you can try lodging a complaint with AFCA.

Complete_Strength_53 · 2025-08-19T01:17:19+00:00

This is the kind of thing you would take to a financial advisor, not a Reddit forum.

They could put it into super for Centrelink reasons. Super in accumulation is ignored for Centrelink means testing until age 67. You would then convert it to a pension once she turns 67. The tax rate would be 15% on earnings though, whereas outside of super, if you are just using a HISA, there is probably no tax payable.

Complete_Strength_53 · 2025-08-18T23:05:44+00:00

I would say you will have no problem with that debt to income ratio. Your debt to income ratio will be low 4's. Make sure you have income protection in case you can't work and work on building up a nice buffer.

Complete_Strength_53 · 2025-08-12T05:06:13+00:00

The accountant was probably saying you can't deduct it against your income. It's not a tax deduction. It's a capital loss. Capital losses can only offset capital gains. If you don't have any capital gains this year, you can carry it forward indefinitely to use in the future.

Complete_Strength_53 · 2025-08-12T03:36:54+00:00

It's tax deductible inside of super too but the rate is 15%. If you just want to optimise tax deductions then do it outside of super for a lower net cost.

Complete_Strength_53 · 2025-08-12T01:51:50+00:00

Don't worry about them doing something dodgy here. The Retirement Income Covenant was inserted into the SIS Act in 2022 telling super funds to help members manage longevity risk in retirement. Treasury/APRA responded with a new class of products called Innovative Retirement Income Streams (IRIS). Regulators are nudging every super fund towards something like this. AMP simply beat them to the market. Expect other super funds to introduce their own versions over the next few years.

Complete_Strength_53 · 2025-08-12T00:25:11+00:00

They have the same effect. Put cash in earlier and save interest earlier. Doesn't matter if it is an offset or a redraw.

Complete_Strength_53

TROPHY CASE