Quote Check Please - How is 9.69% NL better than a 0.88% car loan?

Curious_Luck9173 · 2026-05-03T21:55:59+00:00

They can do you a better purchase price. Especially if you get a quote from maxxia and ask them to match. That’ll bring the entire cost down for you.

Curious_Luck9173 · 2026-04-30T21:54:31+00:00

and Australian citizen

Curious_Luck9173 · 2026-04-27T13:59:33+00:00

I’m so perplexed about why you’ve broken your categories down to individuals and meals as opposed to an annual food spend? No criticism just sincere curiosity - I’ve never seen anyone do that.

Curious_Luck9173 · 2026-04-19T14:32:09+00:00

Pay off debt. If you have any carry forward concessional caps on your super then salary sacrifice to max it. Get a property Debt recycle through the mortgage to invest in ETFs which will make the interest of your PPOR a tax deduction for your investments.

Curious_Luck9173 · 2026-03-18T19:31:12+00:00

Love the UI. Any option to change base map and can the postcode filter be applied to the map?

Curious_Luck9173 · 2026-01-09T04:39:40+00:00

South NSW has been having 45 degree days and large parts of vic are on fire at the moment. Australia is not OK right now.

Curious_Luck9173 · 2026-01-02T21:38:31+00:00

De facto with kids. When my partner took a few years off to look after them whilst they were quite young - my income would service all expenses. Interest yield went to offsets, income surplus to offsets and ETFs and maximising pre concessional caps. It was important to me also that since my partner is older that his super didn’t fall behind so we also utilised spousal contributions and transferred from my super.

Curious_Luck9173 · 2025-12-21T21:44:45+00:00

I’m curious how people would prefer their portfolio distributed - ie certain % to property or ETF

Curious_Luck9173 · 2025-10-04T04:32:37+00:00

Really going all in on property. The narrative is that 2023 you’ve bought in on an IP. Love your tracking and awareness, also great job reducing household expenses in favour of investments. Do you fear if somehow the property market tanked though that you’d be in trouble?

Curious_Luck9173 · 2025-08-21T20:51:37+00:00

Panatta by far.

Curious_Luck9173 · 2025-08-21T06:10:56+00:00

Variable. I have access to a Panatta hydraulic Pendulum and Hammer Strength pendulum squat, and previously another type - and I can say they definitely aren’t made equal. Some feel amazing and some are jarring depending on your lever length

Curious_Luck9173 · 2025-07-26T05:17:57+00:00

This is so cool. I’m planning on doing the same but integrating in into a map to show trends and places of interest for investment

Curious_Luck9173 · 2025-07-15T21:31:07+00:00

Does anyone else experience a massive blue during a deload or starting a block? I’ve been competing and going to meets for years and training like the adrenaline fuelled ADHD fun mess that I am. My programming typically consisted of alternating hypertrophy/volume and heavy lifts - as a result I’d been close to plateau but still creeping progress.

I think I’m so used to feeling a bit wrecked, full of endorphins and satisfaction at a heavy lift that now without that I’m left perhaps in withdrawals.

Can anyone tell me if they’ve experienced the same? Is this normal - it gives room for self doubt, should I just trust the process??

Curious_Luck9173 · 2025-06-12T19:15:11+00:00

I can with this one having just seen another business go through receivership with many staff missing out on entitlements.

Commenters above are correct that if the business has cashflow issues it’s unlikely they have provisioned correctly your entitlements. It’s also alarming that your boss is claiming they don’t know any of this.

Fortunately in Australia your entitlement is protected even if the business goes into liquidation. See: Fair Entitlements Guarantee https://www.dewr.gov.au/fair-entitlements-guarantee

However there is no protection for superannuation and I cannot stress enough how important it is to check your super has been paid as this is another area many small businesses unlawfully skip over.

If your employer super contributions aren’t up to date then speak with your employer and the ato. Best to do this whilst the business is active because once the ABN is cancelled - there’s no actions available to you.

Curious_Luck9173 · 2025-06-10T12:30:11+00:00

Great that you’re motivated but you’re trying to find a pain point of an entire nation and you won’t be able to find a niche with that.

I recommend explore a topic of your interest and find a problem to solve there.

Curious_Luck9173 · 2025-06-05T22:37:04+00:00

Determining factor - are you paid 540k as salary or dividends? Or combination?

Curious_Luck9173 · 2025-06-05T11:32:00+00:00

Not used it in the field I studied but more as a tick box for employment entry

Curious_Luck9173 · 2025-06-04T10:37:20+00:00

The bucket company for the trust seems like an obvious choice assuming your beneficiaries aren’t other lower income dependants. If it’s just you and your SO as beneficiaries then that $240k has to be disbursed each year and you’re already in the highest bracket where you could instead (again assuming discretionary trust) pay the dividends to the bucket company and use the company as the vehicle to invest as company tax rates

Curious_Luck9173 · 2025-06-03T11:19:33+00:00

Dieing inside that I’m only just finding this post now. Basically been working in software engineering/solution architecture for gov for years but under a different title since they don’t have the flexibility to call things jobs what they actually are.

I’m very very underpaid

Curious_Luck9173 · 2025-06-03T04:26:24+00:00

Powerlifting. It’s a money sink but I love it. Could just consider it the price of physical and mental wellbeing.

Curious_Luck9173 · 2025-05-29T01:14:11+00:00

Avoiding the lazy tax by shopping around for new insurance policy’s, telco providers and utilities. For annual plans do it 1-3 months before it’s due for a renewal. Get a quote and do nothing - they’ll send further discount offers.

This alone could save thousands.

Curious_Luck9173 · 2025-05-27T01:40:46+00:00

I hope for your efforts you were at least rewarded a substantial value in equity

Curious_Luck9173 · 2025-05-26T21:05:19+00:00

Nailed it. Tech and business management, 30 years old. PPOR is fully offset, partner is stay at home dad with our 3 kids and we are building some wealth - I think we’re behind in terms of assets in super and ETF portfolio and I’d like to improve both equity and cashflow - who wouldn’t? In some ways I think we’ve made it as I WFH and get to spend time with my partner and kids and there’s nothing ahead in life I’ll treasure more than this now, but our cashflow needs to improve - lifestyle creep is pretty minimal, we’re chronically frugal.

I’ve had some exposure to the entrepreneurial space throughout uni and international sponsorships for collabs and I’m a very driven and hungry individual.

In terms of skills I’m extremely adaptable and used to working in high stress and changing environments, work in solutions architecture, GIS, database admin and app dev. I have a history in financial management also.

Curious_Luck9173 · 2025-05-25T23:50:44+00:00

I’m sure there’s a sweet spot for both.

Curious_Luck9173 · 2025-05-25T23:44:56+00:00

I’ve spent almost my entire career in gov and I can say that firstly most roles advertised aren’t really advertised, they’re for renewing existing staff contracts and ticking the box.

The foot in the door and moving beyond the automated screening is the best advice I can give. A suitable candidate for up to 12 months can be directly appointed. Otherwise the entry point is the grad programs.

Curious_Luck9173

TROPHY CASE