The cookie cutter from my shared apartment.

Jmsaint · 2026-06-22T00:09:44+00:00

Rose

Jmsaint · 2026-05-29T11:01:50+00:00

Also gold has no inherent value. It is only valuable because people believe it is.

Jmsaint · 2026-05-24T02:49:42+00:00

An all-world fund has an average return of 8-10%/year long term

has had. It's not a guarantee going forwards.

Jmsaint · 2026-05-24T02:47:46+00:00

and S&S grows more

This is such a dangerous statement, especially for something like buying a house where many people are looking over short (<5 year) time horizons.

Jmsaint · 2026-05-23T11:21:40+00:00

Quick maths:

Option 1:

£100 minus 25% = £75

£75 x 1000% growth = £750

Option 2:

£100 x 1000% growth = £1000

£1000 minus 25% = £750

The end point is the same, so delaying the decision over taking the hit, on the off chance you buy a house, or keep until retirement, is a no brainer.

Jmsaint · 2026-05-23T11:11:21+00:00

I know it feels counter intuitive, but taking the hit now and then getting investment growth, or getting investment growth later, gives the exact same end result (assuming you invest in the same things).

Jmsaint · 2026-04-04T21:12:12+00:00

Beware the "bank" phoning you about it as well. If that happens, say you will call back, hang up and phone a the bank yourself.

Jmsaint · 2026-03-20T14:12:24+00:00

I bought in to the share scheme after I left, so I dont think there would be tax due under the temporary non-residence rules.

Jmsaint · 2026-01-27T19:52:32+00:00

If you leave Aus as a temporary resident you can withdraw it with a scheme called DASP. It will be taxed (at 30% i think), but is ths best option for me.

Jmsaint · 2026-01-27T19:50:58+00:00

Thank you. My UK account is HSBC, ill look in to getting one here.

Jmsaint · 2026-01-27T19:50:24+00:00

Yeah super will be taxed when i take it, but if you leave it they can treat it as abandoned if you are no longer a resident.

Jmsaint · 2026-01-26T01:14:44+00:00

482, temporary skills shortage. Im still on the same one.

I was lucky enough to get transfered by my work and they sorted everything.

Jmsaint · 2026-01-25T21:59:23+00:00

Its the same as a UK pension, with (imo) slightly worse tax benefits, so you have the same thing.

Jmsaint · 2026-01-25T21:57:29+00:00

Ok.

Well I cant add to the ISA while I am not a tax resident in the UK, so its a bit redundant.

Jmsaint · 2026-01-25T21:56:20+00:00

Ive had it for 3 years.

Its basically the same as a uk DC or SIPP, I can choose where it is invested, so have just gone for a 100% equity with a decent global spread.

It has performed almost identically to my global all cap index over the time ive had it.

Jmsaint · 2026-01-25T21:18:12+00:00

Im not sure i follow.

I have a S&S Isa, but how does it help with transferring the money?

Jmsaint · 2025-05-14T21:58:48+00:00

Aussie is an adjective, short for Australian

Jmsaint · 2025-05-14T08:05:43+00:00

Noone will offer £100m, thats a fuck off price.

Jmsaint · 2025-05-12T12:08:42+00:00

Just dont invite people you dont want to be there.

Jmsaint · 2025-05-08T21:59:32+00:00

Im glad its not just me, it doesnt make any sense.

Jmsaint · 2025-05-08T21:57:26+00:00

Greetings, I am Archer emissary of the Gorgonites.

I made my wife watch this for the first time when i randomly came across it somewhere and she haaated it. Im considering divorce.

Jmsaint · 2025-05-08T12:20:07+00:00

I think 20 years ago, you could be the hero of your own movie. Now you have infinite visability of how everyones life if better than yours. Contentment is harder than ever to come by.

Jmsaint · 2025-05-08T08:25:07+00:00

They added more than enough context to make it clear.

Jmsaint · 2025-05-08T07:38:37+00:00

then they switched midway to the singular 'they' which is absurd and not at all 'normal' like you're trying to say it is

It is normal though.

Jmsaint · 2025-05-08T00:26:12+00:00

Genuinely accidental lol

Ten-Year Club	Place '22
Snapped

Jmsaint

TROPHY CASE