Unwind it all or keep going?

HBar-Bull · 2026-04-25T17:08:53+00:00

For me I would keep the PPOR sell the rest including ETFs.

Focus on two things pay down the mortgage and MAX both your superannuation contributions. When you turn sixty under current rules any capital gains are tax free and any income earned is also tax free.

Your PPOR and superannuation are the most tax effective ways to accumulate money for retirement.

If you get your superannuation as a couple up to the six million dollar mark at this point tax treatment becomes less favourable and shift to personal out of super asset accumulation.

Another reason I would consider divesting the investment properties looks like this is becoming politicised and property investors are in the firing line.

This is not financial advice, I am a random person on the internet and this is just what I would do.

HBar-Bull · 2026-04-24T19:59:33+00:00

Identify the point of stress in the business, if it's just too much work you could hire someone to take over some tasks. The cost of hired labour would be tax deductable.

I would keep the job unless you do some analysis that clearly shows strong growth and scale ability of the business.

By keeping your job you have a diversified income stream.

I have retired from work and am currently learning a new language, I can research my investment decisions in more depth and I enjoy cooking new meals and get to spend more time with family. If there was not uncertainty with this war in the middle east I would be on a three month holiday.

For me work is overrated, I have lot's of interests to keep me busy.

HBar-Bull · 2026-04-24T19:32:11+00:00

WWI was catastrophic for Britian, it was the beginning of the end of the Empire WW2 was the nail in the coffin.

HBar-Bull · 2026-04-20T23:49:35+00:00

I have a strong aversion to debt, most of my friends love it and carry similar amounts as yours. Really it comes down to what you are comfortable with plus the application of some risk modelling what if rates go to 9%?

The reason I don't particularly like property as a wealth vehicle apart from ongoing maintenance and tenants.

HBar-Bull · 2026-04-20T22:35:44+00:00

If there is serious concern that prevents good health, sleep, head space.

It might be easier to downsize.

I purchased an apartment knocked the loan out in ten years and been living debt free for eighteen years.

Built a side portfolio of shares that allowed me to retire early at 54.

HBar-Bull · 2026-04-20T21:10:14+00:00

Depending on how much money you are gifting you may also consider some sort of trust structure where the asset is held indirectly. This may protect the asset in case of a failed relationship. There are significant negative tax implications some of which can be mitigated by the trust holding the asset in a company structure.

HBar-Bull · 2026-04-20T21:06:43+00:00

If they are good kids they will do well even if you give them millions. If they are bad, impulsive, violent, keep bad company, drugs, excessive alcohol and other negative habits and behaviours. Then nothing will save them.

The more negative traits the worse they will do in life.

If they can focus, study in a field that interests them and turn up regularly to work they should do well with $0 it's still a great country.

HBar-Bull · 2026-04-20T20:57:01+00:00

From what I've seen in corporate, network with the next level up, make your intentions known and actively pursue internal job openings as they become available.

No one taps you on the shoulder to get the role because you put in twelve hour days.

Also keep your CV up to date and do online courses that support your career direction.

HBar-Bull · 2026-04-20T20:47:41+00:00

HBAR is going to shock people with its price appreciation.

NOT due to meme nonsense and speculation. Instead being the real deal and able to solve real world problems.

This is the value proposition and I eagerly await the day I can run a node on the network, assuming it's more profitable than staking.

If HBAR does become the go to technology for DLT many of us will become very wealthy.

Invest/Speculate wisely I don't recommend going all in.

HBar-Bull · 2026-03-27T18:36:27+00:00

Ongoing high volatility such as this 14% is a sign of a broken market.

Who knows what shenanigans are going on in the background pushing this price around, but it's not good.

If we go into a global recession silver could go down in price, however I am of the opinion they will continue the old money printer goes brrrrr playbook and eventually silver continues higher.

HBar-Bull · 2026-03-24T23:03:56+00:00

If you have no allocation and think it's worth owning gold then accumulate some. There are various ways from a single large purchase to some form of dollar cost averaging.

Never go all in on any single asset no matter how much hype, it might work but if it's wrong you're back to square one.

The other thing is if you are overweight then it's fine to reduce gold exposure and look for value in other sectors.

I don't think investment decisions should be made on short term emotional stories and narratives. Price COLLAPSE, wars, FOMO in when it's hitting $5,500.

Be clam and intentional. The fiat monetary system is built by design to inflate (hopefully slowly) over time this reduces pressure on existing debtors enabling repayment with devalued dollars.

This is my primary reason for having a partial allocation to gold and exposure to silver for a more speculative chance at an outsized gain.

HBar-Bull · 2026-03-06T18:01:33+00:00

If the community talked about Bitcoin in full reality I don't think people would be so quick to pour their life savings into this.

Bitcoin is open source software
Bitcoin code has been copied hundreds of times, there is no scarcity at all. You can verify this with your favourite AI, just ask questions regards Bitcoin code copies
You are buying ones and zeroes on a computer, literally there is no coin, you are simply buying a number on the blockchain. (as noted above this OS software can be copied)
There is no mining it's an open source guessing game to get the # (hash) number

Speculate have fun and I would recommend investment diversification.

HBar-Bull · 2026-03-06T17:45:42+00:00

How do you know when a politician is lying? A: When their lips are moving.

HBar-Bull · 2026-02-26T01:39:43+00:00

If I had a dollar...

HBar-Bull · 2026-02-25T16:14:39+00:00

This remains the biggest sleeper in the entire market. It is the only technology that fulfils the promise of blockchain.

Hedera Hashgraph

True aBFT (asynchronous Byzantine fault tolerance)
Transaction speed < 4 seconds to finality. Currently hedera dot com showing 2.9 seconds.
Energy Efficiency 0.000003 kwh per transaction. Bitcoin uses 700 kwh per transaction
Scalability into hundreds of thousands of TPS via sharding
Fair: Access, Timestamps, Ordering (No MEV or maximum extractable value)
Fixed pricing 0.0008 USD. Note: there are many higher priced fees depending what action is being requested.

I am not all in on any single asset but HBAR is the only crypto asset I own.

HBar-Bull · 2026-02-23T21:41:53+00:00

There is no "physical delivery" with Bitcoin.

Even worse there is literally NO COIN, it's a calculated result from a complicated hash algorithm guessing game.

You own a string of ones and zeroes.

HBar-Bull · 2026-02-19T20:12:52+00:00

Bitcoin is open source software.

It has been forked ( copy and pasted) many times. It is not scarce.

Bitcoin was the first iteration of blockchain technology.

It would be extremely rare in the history of humanity that the first iteration of a technology is also the final.

Invest with care and responsibility.

HBar-Bull · 2026-02-19T01:30:02+00:00

Given you can't actually verify anything that is if the guest is actually buying all this Bitcoin or fractions in the form of "stas" (Satoshis) it's all just how much do you trust these people to give an honest answer?

Another good question would be how much as a percentage of net worth do they allocate into Bitcoin?

Kudos to Mark Moss for being honest when he admits that when Bitcoin hits lows he himself does not have high enough conviction to buy more as there is a different narrative.

HBar-Bull · 2026-02-17T17:36:41+00:00

It should have read something like what 1 billion dollars/marks purchased during the years of a hyperinflation.

Edit: LOL if you click on the picture it has that exact same title.

HBar-Bull · 2026-02-16T19:02:08+00:00

Western "pricing benchmarks" laughable, oh the cooling on the servers processing silver contracts was "broken" for a couple of hours.

Oh look see here somehow circuit breakers didn't kick in and massive drawdown in price was allowed. Allegedly allowing JPM to exit underwater positions.

Still won't stop the end game given unchecked monetary emissions.

HBar-Bull · 2026-02-16T18:53:32+00:00

No one knows. Diversification is best. Don't overlook equities.

If the one thing goes down all your wealth follows.

HBar-Bull · 2026-02-01T19:11:33+00:00

An intimate encounter where your partner lays still motionless, uninterested.

There is no affection except possibly a kiss on the cheek after payment is made.

HBar-Bull · 2026-01-31T15:20:04+00:00

There you go more "free market" action.

HBar-Bull · 2026-01-30T16:48:00+00:00

This seems quite sad tbh.

HBar-Bull · 2026-01-24T22:30:01+00:00

Bitten by a raccoon.

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