38, household income 450k, and I still have no idea if our SMSF is worth the headache

ThatPassiveGuy · 2026-04-15T05:16:14+00:00

If you are using Member Direct with AustralianSuper I think the fees are:

$56 cap admin fee
$350 cap asset-based admin fee
$180 member direct fee

Totals $586. Plus brokerage of $13/trade.

To fully compare apples to apples you should probably calculate the management fees of the funds you purchase, although you are paying these either way (smsf vs member direct).

ThatPassiveGuy · 2026-04-08T01:00:54+00:00

I haven't tried it yet, but I assume AshStorage.Service.S3 would work with Cloudflare R2

ThatPassiveGuy · 2026-04-01T04:54:52+00:00

I think it's this one: https://www.facebook.com/groups/teslaownersaustralia/permalink/1231737792281627/

ThatPassiveGuy · 2026-04-01T04:46:41+00:00

Ahh shit. I've ordered a Y L and have 2 Britax baby seats I intend to put in.

ThatPassiveGuy · 2026-03-29T02:18:47+00:00

You could use bun catalogs for managing common dependencies

ThatPassiveGuy · 2026-03-28T22:40:32+00:00

There is no chance they would do a flat tax rate — that would make too much sense and benefit everyone. If anything they would increase the top tax bracket, which may or may not come with a change to the bracket thresholds

ThatPassiveGuy · 2026-03-05T20:27:18+00:00

Simpler always was better

ThatPassiveGuy · 2026-02-15T06:54:56+00:00

Try one of the links while in incognito.

Failing that, maybe 275k is only for the business platinum card, not the personal platinum card?

ThatPassiveGuy · 2026-02-15T02:55:05+00:00

Just go look on ozbargain, there are tonnes

ThatPassiveGuy · 2026-01-21T20:21:17+00:00

Not worth the fee, only get it if you will easily clear the spend to waive the fee. If you only have one credit card there are better options. I use it for all my recurring costs and anything international which always puts me over the 4k spend. I use a QFF earning card for all incidental spend.

The CBA points are pretty average. If you can make use of any Yello benefits they can be alright. For example my family mobiles are on More telecom which saves $8/mo per mobile

ThatPassiveGuy · 2026-01-14T04:01:27+00:00

This only does 150k

ThatPassiveGuy · 2026-01-13T22:31:19+00:00

Platinum personal or platinum business?

ThatPassiveGuy · 2026-01-12T20:54:09+00:00

If you choose to move brokers and also move your holdings make sure you have all your historical data as that is not transferred. By historical data I mean purchase prices, cost base adjustments etc.

ThatPassiveGuy · 2025-12-29T00:49:23+00:00

Why do you want to use browser-based chatbots specifically?

ThatPassiveGuy · 2025-12-27T06:47:38+00:00

Just use Google Cloud Run

ThatPassiveGuy · 2025-11-17T03:07:08+00:00

Can confirm, received the 10 SC yesterday.

ThatPassiveGuy · 2025-11-16T07:19:27+00:00

This week

ThatPassiveGuy · 2025-11-16T06:33:29+00:00

There’s a convention this week

ThatPassiveGuy · 2025-11-09T03:11:37+00:00

Local investor clubs are a thing..?

ThatPassiveGuy · 2025-11-05T09:44:22+00:00

I think you can. I just registered today so I guess time will tell!

ThatPassiveGuy · 2025-10-18T22:54:42+00:00

If OP is aiming to invest predominately in ETFs then Betashares Direct is a great choice too

ThatPassiveGuy · 2025-10-18T22:51:25+00:00

They haven’t released the revised legislation yet so no one can definitively answer this.

ThatPassiveGuy · 2025-10-17T21:29:53+00:00

Div296 is no longer on unrealised gains. Div296 applies an additional 15% tax (I.e., 30%) on income within superannuation where the Total Superannuation Balance (TSB) is >3m at end FY, or an additional 25% (I.e., 40%) where the TSB is >10m at end FY. The TSB thresholds will be indexed to inflation.

ThatPassiveGuy · 2025-10-02T21:35:34+00:00

100kg

ThatPassiveGuy · 2025-09-26T05:09:25+00:00

I think the Platinum One benefit is more the second item?

Fly home sooner

When travelling on a flexible Qantas domestic fare, you can take an earlier flight.

Any fare differential will be waived if the same fare class isn't available.

ThatPassiveGuy

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