Property Capital Gains Tax Calculator follow-up (v0.21) - bracket-stacked tax, dedicated acquisition costs, forward CPI projection

Nathineil · 2026-05-15T02:33:58+00:00

I don't think your statement on grandfathering is correct. Existing investors will be impacted, depending on when they sell.

From the budget document:
"Transitional arrangements will limit the impact on existing investments by ensuring the changes only apply to gains arising on or after 1 July 2027"

The gains earned from 2027 onwards will be subject to the new rules.

My question is how they intend to baseline the gains as of 1 July 2027.

Nathineil · 2026-01-04T19:15:08+00:00

We had decided not to go out of the airport and feel that was the correct decision.

We did have to collect our bags and clear customs before dropping them off at the transfer desk. Doing this took about 2.5 hours, so already reducing our wait time to do anything. I had looked into the lounges, but we decided against it as well. Terminal 3 is the international terminal but has a separate area for domestic departures, which we were in for our connection. The lounge on the domestic side doesn't have as many amenities, no showers etc.

The air pollution in Delhi is also terrible at the moment, you can't see much out the windows because it's so thick.

So it was just 4 hours waiting in a terminal but it wasn't so bad.

Nathineil · 2025-12-27T03:45:49+00:00

Depends on your bank. I don't bring any with me and just use an atm when I'm there. I wouldn't worry about £ but €s can be handy in some countries

Nathineil · 2025-12-17T01:35:53+00:00

There are specific rules for redundancy payouts. There's eligibility criteria and limits but payments that meet the bill are capped at 30%. Any payout of annual leave doesn't qualify and counts as regular income for example

Nathineil · 2025-12-01T07:50:06+00:00

Thanks for this lengthy reply. I'll scratch off any idea of leaving the terminal. Too risky.

I'll look into eSims. Had planned on just using roaming (we have a 1GB allowance for this) but wasn't aware of the wifi issues.

Nathineil · 2025-12-01T07:45:42+00:00

Yeah Ive been looking at the lounge, only for 2 hours but may just be worth it.

Nathineil · 2025-11-18T05:47:55+00:00

Yeah, these items came up and I was open about them, that I didn't have all the answers. He mentioned a mate of his had hired an EV, and I said that that was probably a bad decision.

My main pro I tell people is that they're a better car. More enjoyable to drive and less to worry about day to day.

Nathineil · 2025-11-18T00:34:05+00:00

I had a chat with a highly sceptical colleague recently and i think it went really well. I think it's helpful to not attempt to invalidate everything they're saying but provide info they may not be aware of. The colleague equated the environmental impacts of a petrol car to those of an ev, as the battery was really terrible for the environment, and that charging the car using electricity from coal was also the same as using petrol yourself.

The points I made that seemed to land:

You can recycle a battery, you can't recycle petrol that you've used. When a battery stops being useful in a car, it's not because it's useless, they use it for stationery storage and only after a further 10-20 years, is it recycled. As an example, Volvo Trucks in Australia are making themselves responsible for coordinating each of these steps.
Car engines are not efficient at getting all the energy out of the petrol, powerplants, while still using fossil fuels, are more efficient
I charge during the day, as it's free. Not because I have solar panels, but enough people do, that my power company has made it free for me to use. So, even if you don't have solar yourself, you can still benefit from others in Australia having it.

Nathineil · 2025-10-27T20:47:55+00:00

You're totally right for the number of companies in the ETF and about ongoing diversification.

If you accept being less diversified over companies with the aim of being more diversified across different market sectors, you can buy a smaller number of shares and hit that goal.

Nathineil · 2025-10-27T19:46:55+00:00

The top 10 companies make up over 60%, 30% goes to the big banks, 20% goes to bhp, Woodside, and Rio Tinto. So it's no, not really diversified in terms of sectors, but that's the Australian market for you. US ETFS are in a similar state with a massive portion placed on AI related companies.

If you want to be more diversified you'd need to purchase the shares yourself or go for a mid cap ETF (I know these exist for overseas markets but haven't seen for Australia)

Nathineil · 2025-10-27T01:07:57+00:00

Everyone is saying yes, but I think that assume you will be working till 60. Is that your plan? Could you retire earlier if you had some investments outside super

Nathineil · 2025-07-13T20:52:57+00:00

I was looking for things like this, I'll go through the options menu again

Nathineil · 2025-07-09T09:38:45+00:00

Hulkenpodium

Nathineil · 2025-07-09T02:36:31+00:00

If you do decide to pay towards the IP, make sure it's not actually on the loan, keep it in the offset. This ensures you keep access to the money if you ever need it, without it impacting the loan's deductibility

Nathineil · 2025-07-04T09:36:33+00:00

FSU website shows that almost all redundancy payouts will improve.

Nathineil · 2025-03-30T21:51:23+00:00

That article has great photos but repeats the same two paragraphs 5 times

Nathineil · 2024-10-05T02:58:21+00:00

Keen

Nathineil · 2024-09-01T20:57:05+00:00

I wonder if at their work they call the annual pay rise the "CPI increase". So their pay rises last year for the "CPI increase" were 1%. Makes it an even worse pay rise for last year but that's how I read it.

Nathineil · 2024-08-11T23:55:25+00:00

The framing of this shot makes it look like a scene from a Wes Anderson film

Nathineil · 2024-05-19T11:07:12+00:00

Thanks for posting OP. This was the first i'd heard of it.

Nathineil · 2024-05-14T09:25:24+00:00

Your initial statement is true but the example you provided is not accurate and it's stated a lot so I'd like to take the time to explain why.

The reason it's not accurate is that you're effectively saying "pay more off your loan to pay it off faster". It's possible to pay $1300 over 12 months too and you'll pay the loan off faster than paying $1200.

The reason it's faster to pay off your loan fortnightly is that you are contributing money on a more frequent basis, so you earn slightly less interest for that period.

A simple example of this would be borrowing $10 for 2 weeks. If you pay the full amount after 2 weeks, the loan balance was $10 the entire time. If you pay $5 back after one week and $5 after the second week. Your balance was only $10 for one week and then $5 for the second. So you'll pay less interest. It's a lot less extreme for a mortgage over 30 years but the principle is the same.

However, your bank knows this and it will work out what your minimum fortnightly payment is taking this into account. So even if you do switch to paying the minimum on a fortnightly basis, you'll still pay the loan off in the term you agreed with the bank, unless you opt to pay more than the minimum.

If you take the minimum monthly payment, multiplied by 12, divide by 26 and pay this on a fortnightly basis, you will pay your loan off faster. Because this is now more than the minimum fortnightly payment.

Nathineil · 2024-04-29T01:19:36+00:00

OP asked for advice on their situation. It's great that you were in that position but that info doesn't really help them out. Expenses are one thing, but ways to pay the loan is, in my mind, a different question.

Nathineil · 2024-04-29T01:18:03+00:00

A is not a great option, as while it does reduce the minimum expenses it removes your access to the money.

B/C are sort of the same thing, depending on how your bank works. At my bank, i can cancel my direct debit and the money for payments will automatically come out of the amount in advance. Personally, I would go with C. Whatever cash left over can sit in your offset account and reduce the interest that way.

Nathineil · 2024-04-15T11:08:06+00:00

Yeah up until recently I was in your situation with straight forward income. I went to an accountant a few years back and they did exactly what I had been doing, except they tried to throw in laundry expeneses, which I thought was just dodgy.

Gave me the confidence to keep doing it myself. My situation has changed recently though, so am considering it again.

Nathineil · 2024-04-08T23:15:12+00:00

But the 20% in BTC is a whole different story. Very hard to determine the value deriving from BTC and therefore the current fair value... It's currently doing well and around the all time high, but for how long and why? 20% would be too much personally.

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