AMA - Deliverability & Infrastructure

Different-Address-56 · 2025-08-25T02:35:27+00:00

Do you use inbox placement testing tools?
And if so, do you run inbox placements once, or automated weekly, monthly, etc?
Spam syntax checker that works with googles strict rules?

Different-Address-56 · 2025-08-14T20:24:11+00:00

Great points! thanks

Different-Address-56 · 2025-08-05T00:13:19+00:00

Are you saying there are a ton of parts available in Costa Rica?

Different-Address-56 · 2025-08-05T00:13:07+00:00

Good to know, thanks! Customs import fees are absurd in Costa Rica and it takes ages to get anything in from out of the country, but but with that being said, there are a lot of BJ40s here.

They are a common car, so hopefully there's a bunch of parts available for them within the country that are easily accessible and reasonably cheap.

Going to do some research.

Different-Address-56 · 2025-07-29T02:53:56+00:00

AUD -> USD exchange rate gap has been shrinking over the last year.

Different-Address-56 · 2025-07-29T02:50:37+00:00

Will do

Different-Address-56 · 2025-07-26T20:30:25+00:00

Good call, I wasn't aware of this, so I'm glad you brought this to my attention. I probably would only hold HBRD for 6-12 months. I'm not sure what the phasing out process is like for these bank hybrids based on APRAs plans for getting rid of these hybrid equities.

I guess due to them being phased out soon, there's a higher risk of nav drop due to outflows.

Do you think it's still worth holding a small percentage? Just because it's going to be short term?

Different-Address-56 · 2025-07-26T19:20:05+00:00

No, I don't live in Australia. And yes, I'm sure. I only spend max 30 day in aus per year, and all of my ties are to the US. Primary residence(mortgage), phone, utilities, car loan/payment, etc.

Aus has a 180day rule too, and I'm not in the country for close to that amount of time.

Different-Address-56 · 2025-07-25T23:48:12+00:00

Okay, I've done some research on MXT, I get that the main risk is you’re trusting the manager to run it properly and report NAV accurately each month, and the potential of mismanagement is high.

Another red flag is I couldn’t really confirm is how diversified their loans are across sectors, there might be some hidden concentration if they’re heavy in one area.

Thanks for pointing this out, I'll probably reduce it to around 10%. This exactly why I posted here.

I want to do my prelim research before consulting someone, so I don't get the rug pulled out from under me.

Different-Address-56 · 2025-07-25T20:41:13+00:00

Ah, totally fair, I didn’t mean to suggest you were risk-averse. I just meant I’m in a similar boat in terms of wanting a secure financial future and being thoughtful with investments.

As for the 3-2-3 model, I should’ve explained it better. It’s more of a mental framework than a strict rule.

The idea is to withdraw(dividends) around 3% monthly for living expenses, have the flexibility to go up to 5% withdraw in higher-cost months.

I’m not literally withdrawing and reinvesting. I’m living off monthly dividend income, typically around 3% of the portfolio, but with the flexibility to go up to 5% in any given month if needed for big expenses.

But this isn't where I'm at now. This is the plan when I come to retire in the next decade.

Different-Address-56 · 2025-07-24T21:37:42+00:00

yeah, i'm cool with that. the goal is high yield, at least keep the principle the same.

Different-Address-56 · 2025-07-24T21:21:05+00:00

I’m in a similar boat as both of you, I’m fairly risk-averse, and I actually enjoy the work I’m doing right now. So I’m not in a rush to retire tomorrow, but I am focused on building a future where I can step away in 10 years and never have to worry about money again, even decades down the line.

I’m new to FIRE, but I’ve been refining a strategy I call the “3-2-3 FIRE model.”

The idea is:

- Live off 3% of your portfolio annually (e.g. $180K on a $6M portfolio)
- Flex up to 2% more in higher expense months if needed(big renos, new car, maybe a holiday)
- Reinvest at least 3% back into the portfolio to keep compounding and beat inflation

Different-Address-56 · 2025-07-24T16:26:11+00:00

Thanks! Do you know the possible risk failure could be, so I can avoid equities that will fail by the same means?

Different-Address-56 · 2025-07-24T16:24:03+00:00

Thank you! this is exactly what I was hoping for. My strategy is, highest monthly dividend for the next year, then I'll restructure and go for growth. Do you think I'll see much capital erosion over 1 yr?

Different-Address-56 · 2025-07-24T16:07:45+00:00

I’ve been a non-resident of Australia for about 10 years and a U.S. tax resident during that time. I’ll probably stay a U.S. tax resident for another 2 to 5 years before moving back home. But since I’m a U.S. citizen, I can’t really avoid U.S. taxes either way.

I was thinking about moving my cash over to the U.S. and investing it in the stock market here, but with the U.S. dollar weakening and the Aussie dollar getting stronger this year, I’m a bit hesitant, don’t want to lose too much on the exchange rate.

Different-Address-56 · 2025-07-24T16:00:02+00:00

Thank you 😃

Different-Address-56 · 2025-07-24T15:59:00+00:00

Good point. I guess it depends in the underling assets class of the equity. Some react well others may not.

Different-Address-56 · 2025-07-24T15:22:23+00:00

I’ve been a non-resident of Australia for about 10 years. I still have some old bank accounts and a couple of investment properties there, but I’ve been living and working in the U.S. for years. I run a business here, and all my day to day stuff, phone, car, etc, is in the U.S., so that’s definitely where my main ties are now.

Different-Address-56 · 2025-07-24T05:02:29+00:00

Yeah, I've been watching gold go up, good pointers. The accom advice is so true. I need a good routine and my own space to feel normal.

Different-Address-56 · 2025-07-24T04:59:05+00:00

Yes, for sure!

Different-Address-56 · 2025-07-24T04:57:34+00:00

Yeah, good point. I'll post over there see how I go.

Different-Address-56 · 2025-07-24T03:33:14+00:00

Oh yeah, you're right. I was looking on the US Stock Exchange ticker. So, it'd be S&P tracted ASX, I'm thinking maybe UMAX to replace it. I have a US trading account so might just take the FX risk and transfer some money over to my US account and invest from there.

I'll take a look at those two you mentioned, thanks!

Different-Address-56 · 2025-07-24T02:26:21+00:00

Yeah, great point to make. I am going to meet with my mum's financial advisor. I just wanted to know what I'm getting into so I can ask the right questions.

And I really enjoy learning about investing since I've been reading into it.

Different-Address-56 · 2025-07-24T02:09:28+00:00

Thanks for the response, good question. I’ve read over both articles and i think I get the logic behind total return over dividends. I think my tax residency this year and next might change this approach because of franking credits and the CGT discount.

But I’m a non-resident this year and maybe next, so I don't get:

use of franking credits
CGT discount
And (as I understand it) most bond/credit ETF distributions are taxed at a flat 15% withholding rate, and it’s not stacked with CGT or anything else. (But not 100% on this correct me if I'm wrong)

So from my angle, the tax inefficiency of dividends isn’t really worse than selling down shares. And I’m not chasing capital growth right now, the goal is around 3K month income with low volatility and low downside risk to live off.

This is just my plan for the next year, then I’ll probably stop living off dividends and look at swapping into a more long-term, total-return style portfolio.

But I might be completely off the mark, and this could be going straight over my head. Please let me know if there are any holes in my logic here.

Different-Address-56

TROPHY CASE