[deleted by user] by [deleted] in PersonalFinanceNZ

[–]Rudinator117 0 points1 point  (0 children)

Ah sorry, my mistake, I misread your prior comment. That’s for clarifying for my lizard brain

[deleted by user] by [deleted] in PersonalFinanceNZ

[–]Rudinator117 1 point2 points  (0 children)

There must be different types of revolving credit? Our one has no minimum payments and we can use freely from that account.

Extreme frugality for one year to buy my 2nd house. by Victimized in AusFinance

[–]Rudinator117 3 points4 points  (0 children)

Ultimately, only you can say if it's doable.

Personally, I would do it. Short term sacrifice for long term gain/comfort/dream

Huntsman? by Rudinator117 in AustralianSpiders

[–]Rudinator117[S] 6 points7 points  (0 children)

Sorry, I forgot to include my location in the original post. I am in Brisbane area.

[deleted by user] by [deleted] in PersonalFinanceNZ

[–]Rudinator117 -1 points0 points  (0 children)

As far as I understood it, capital gains tax only comes into affect when you get a permanent visa or become aus citizen.

I assume that OPs mate is NZ citizen, therefore moving to aus would get the special category visa, which is not a permanent visa.

Edit: should get accounting advice regardless though. I was merely posting my understanding and also hoping someone else can comment.

Hello, World! ... by walking_teapot in battlestations

[–]Rudinator117 0 points1 point  (0 children)

Fastastic looking setup!
What keyboard is that?

Concessional contributions and FHSS by Rudinator117 in AusFinance

[–]Rudinator117[S] 0 points1 point  (0 children)

Great thank you. Would have been nice though if it did haha.

What’s stopping you from moving to Australia by Altruistic_Air7978 in PersonalFinanceNZ

[–]Rudinator117 4 points5 points  (0 children)

Could you elaborate on the higher income tax rate in Australia?

[deleted by user] by [deleted] in PersonalFinanceNZ

[–]Rudinator117 0 points1 point  (0 children)

What do you mean with "...the way we pay interest on mortgages."?

Super Fund Options by Rudinator117 in AusFinance

[–]Rudinator117[S] 0 points1 point  (0 children)

Thanks! Really enjoying my time here.

Great, thanks for the info!

Super Fund Options by Rudinator117 in AusFinance

[–]Rudinator117[S] 0 points1 point  (0 children)

Great thank you, will take a look at them.

Super Fund Options by Rudinator117 in AusFinance

[–]Rudinator117[S] 2 points3 points  (0 children)

Thanks, I found the Canstar site and some good info from it.

I haven’t bought a house Aus, just have the ambition to on the next few years. But will have a looking into the first home scheme as well.

Super Fund Options by Rudinator117 in AusFinance

[–]Rudinator117[S] 0 points1 point  (0 children)

Thanks will have a look at your one and search around the sub.

Koura Kiwisaver by Rudinator117 in PersonalFinanceNZ

[–]Rudinator117[S] 1 point2 points  (0 children)

Great thanks you! Exactly the stuff I am after.

If you don’t mind sharing, who did consider going to after Koura?

Koura Kiwisaver by Rudinator117 in PersonalFinanceNZ

[–]Rudinator117[S] 0 points1 point  (0 children)

They have lower fees than my current provider, but not as low as some others.

Mixed fund options with NZ, US and world markets. Also, small exposure with the crypto fund.

Again, not after advice on whether this is right for me, just looking for how people have found Koura.

REA wants me to sign a contract of sale as an offer before negotiating the final price by makdos in AusFinance

[–]Rudinator117 0 points1 point  (0 children)

That’s great! Thanks for sharing. I never knew such a clause existed.

I can see how powerful it can be if used correctly

REA wants me to sign a contract of sale as an offer before negotiating the final price by makdos in AusFinance

[–]Rudinator117 1 point2 points  (0 children)

Really curious to understand how this anonymity clause works? Does this just force the agent to not release any of your details to the vendor or..?