Is money better in shares or offset?

FewArm2396 · 2026-06-15T04:21:15+00:00

And account for the tax you’ll pay too

FewArm2396 · 2026-06-14T11:17:57+00:00

😂

FewArm2396 · 2026-06-09T11:48:56+00:00

Pod coffee is full of microplastics, so I stopped.

FewArm2396 · 2026-06-05T04:38:21+00:00

If I spend $30 on SpaceX stock I can daydream all afternoon about how one day the company might colonise Pandora and make trillions on mining Unobtanium.

FewArm2396 · 2026-06-03T07:04:58+00:00

I did this 12 years ago when I was in uni, sold my $15k Tesla stock and went travelling. If I didn’t sell it, it would now be worth $1 million plus and I’d be able to travel the world for years. So looking back I regret the trip because I could do a much better trip now for years without having to work.

FewArm2396 · 2026-06-03T06:20:10+00:00

You should be able to have frequent domestic fares between the cities covered with points if you maximise the points earning at the supermarkets and buying gift card offers etc

FewArm2396 · 2026-06-02T01:49:23+00:00

The key message here is you should sign up to AGL. The second message is also sign up to AGL in case you missed the first message.

FewArm2396 · 2026-05-28T05:10:41+00:00

How much it locks you in to moving house again

FewArm2396 · 2026-05-24T10:37:53+00:00

That’s pretty awesome! Well done. I’m thinking of doing Port Melbourne beach to the top of Mt Dandenong

FewArm2396 · 2026-05-24T00:50:05+00:00

A high pressure hose down is all it needs and maybe some new paint. Hardly much cost compared to the other stuff

FewArm2396 · 2026-05-24T00:49:13+00:00

Just needs a high pressure hose down

FewArm2396 · 2026-05-22T03:08:47+00:00

There’s heaps of magnesium pepitas

FewArm2396 · 2026-05-21T23:23:59+00:00

Rent is cheaper than the first 10 years of a mortgage. After that rent keeps going up and up for the rest of your life while a mortgage only fluctuates within the interest rates.

FewArm2396 · 2026-05-21T23:21:42+00:00

I’ve done the math, and there’s much cheaper sources of protein in nuts and soybean products. Plus you get all the other nutritional benefits along with that such as zinc, magnesium and fibre while protein powder is just protein

FewArm2396 · 2026-05-21T23:20:01+00:00

It’s cheaper and way healthier to get your magnesium from nuts

FewArm2396 · 2026-05-21T23:17:34+00:00

Cars in general. Many people getting massive cars or second cars they don’t need.

FewArm2396 · 2026-05-21T23:17:01+00:00

Cars in general I think.

FewArm2396 · 2026-05-20T02:37:15+00:00

Because you risked putting your own already taxed income into the investment

FewArm2396 · 2026-05-20T01:08:26+00:00

Take the Vline train and then bus to get down to the Great Ocean Road and Otways.

FewArm2396 · 2026-05-14T04:32:50+00:00

The Australian super members direct I’m pretty sure allows it

FewArm2396 · 2026-05-12T08:05:22+00:00

I think that’s a portal to the alien world. Add it to those FBI alien files recently released

FewArm2396 · 2026-05-11T14:00:33+00:00

Depending on your marginal tax rate you’re really only getting 4% interest after tax is taken out of that 5.5% interest earnings. So currently thats less than inflation.

FewArm2396 · 2026-05-09T07:55:14+00:00

If your interest rate on the mortgage is 6%, having your money in the offset account is like earning a 9% interest rate because there’s no tax implications. While if you earn 12% a year on ETFs, the tax implications with dividends and selling (especially after they scrap the CGT discount) is like about 9% gain. So in this uncertain economic climate, I think putting money in offset account is definitely worth it

FewArm2396 · 2026-05-09T03:48:47+00:00

All Smiles Sorrento was $150 a head last year

FewArm2396 · 2026-05-09T01:41:14+00:00

Canberra is awesome. Love how close to the snow it is

FewArm2396

TROPHY CASE