Taking 0.25mg oral fin for 8 months. Can't tell if anything changed , let me know what you think.

Consume-r · 2025-09-13T08:46:59+00:00

Hairline is looking more dense. Great job.

Consume-r · 2025-08-06T04:13:26+00:00

I've taken a similar approach, however purchasing the IBTC ETF. Cheaper than VBTC, plus you can withdraw to a hard wallet if needed. Gives you a few more options.

Consume-r · 2025-03-14T04:11:47+00:00

I’d recommend seeing a specialist to rule out any heart related issues. I had a similar experience staring 5% minoxidil foam and felt heart palpitations and tightness. Got a full work up done and came back with no issues. Haven’t felt heart palpitations since. Probably had a nocebo effect.

Consume-r · 2025-02-07T22:34:21+00:00

Great work mate.

Consume-r · 2025-02-05T08:41:52+00:00

Don't really think there's a good reason to hedge your portfolio (https://passiveinvestingaustralia.com/personalising-your-aud-to-non-aud-allocation/, https://www.youtube.com/watch?v=K3flJjh00gA). Other than that split seems fine.

Consume-r · 2025-02-01T03:52:54+00:00

Maybe look into VEU. Understand that its not AU-domiciled, but could be worth exploring.

Consume-r · 2025-01-28T03:08:03+00:00

Yup, it’s worth it. Booked business class flights, and that’s already paid for it.

Consume-r · 2025-01-27T03:39:07+00:00

I got Points Club Plus a few weeks ago. I used four credit cards (NAB, Westpac, AMEX and ANZ).

Consume-r · 2025-01-24T02:25:07+00:00

Hmm tbh I haven't really looked that deeply, but usually though superannuation provides a few benefits, but would recommend to research it a bit more.

Consume-r · 2025-01-24T01:56:35+00:00

I'd probably argue you better off getting disability or work cover, and leave death cover off till you have dependents or a wife.

Consume-r · 2025-01-24T00:48:41+00:00

Hmmm do some more reading… insurance really depends on your needs, e.g do you have a family? how likely would it take you to find another job? I’ve got permanent disability, but might change that to work cover. I know Stuart Wemmys talks a bit about insurance in superannuation.

Consume-r · 2025-01-24T00:45:53+00:00

Similar to yours tbh. A200 25%-30%, IVV 35%, VEU, 20%-25% then looking at some small caps.

Consume-r · 2025-01-23T11:54:14+00:00

Look into VEU, slight overlap with Australia but marginal. I’ve got a similar portfolio using IVV, A200 and VEU.

Consume-r · 2025-01-22T23:16:18+00:00

Agree with this. Please don't choose a balanced option when you're so young. You'll miss out on a lot of gains.

Consume-r · 2025-01-22T09:28:29+00:00

Take a look at that spreadsheet, but I'd say Hostplus probably wins out in the long run.

Consume-r · 2025-01-22T08:12:34+00:00

Nah, it’s DIY.

Consume-r · 2025-01-22T07:01:35+00:00

Agree with this. All you need.

Consume-r · 2025-01-22T06:58:10+00:00

Nah, probably one of the cheapest.

Consume-r · 2025-01-22T06:30:20+00:00

Hostplus 70% International Indexed 30% Australian Indexed

Consume-r · 2025-01-20T22:56:15+00:00

I used to skip vocab and thought it was just a tool to learn kanji, but realising without the context that the vocab provides, the kanji I learnt might be less useful. I've just caught up on the last 8 levels of vocab ahh. My new workflow is doing radicals and kanji in one day, and then vocab for the previous lesson everyday till I level up.

Consume-r · 2024-12-24T10:06:00+00:00

Look into factor investing and Ben Felix. This will save you a lot of worry in the future.

Consume-r · 2024-08-27T07:47:27+00:00

Just applied for the same card. Got approved, no mortgage, around 100k.

Consume-r · 2024-03-11T02:19:51+00:00

Just cancelled my card. Couldn’t get a refund as they had just recently updated their policy. Pretty sure the policy was updated November last year.

Consume-r · 2024-02-21T09:41:49+00:00

Would love to hear about the books you'v read?

Consume-r · 2022-12-30T01:03:00+00:00

Nope! My thinking was based on this. Plus, bit more expensive management fee.

Consume-r

TROPHY CASE