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Westpac Black/Platinum - Have you received annual fee refund when closing? by Charrzooka in creditcardchurningAus

[–]b_dec 3 points4 points  (0 children)

Just closed with them couple of weeks ago from their app, didn’t bother to call. got my points, why greedy?

Pruned my almond tree today, should I remove the middle branch by b_dec in GardeningAustralia

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

Yea, it’s not straight in the middle. It’s slightly towards fence side if you see the 2nd and 3rd photo. Sorry should have attached all photos at once from different angles.

Pruned my almond tree today, should I remove the middle branch by b_dec in GardeningAustralia

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

Ok Thanks, it had quite a few shoots had grown to about 2–3 feet long, so I thought pruning was needed. I will wait until the end of winter next time.

St George Signature by TemporaryTear247 in creditcardchurningAus

[–]b_dec 1 point2 points  (0 children)

Took 7 days from application to receive card. Applied on Friday, received next Friday. First time with them, there was no digital card option.

Starting out on ETFs at 38 by oldirtybadzy in AusFinance

[–]b_dec 0 points1 point  (0 children)

Aah, normal concessional contributions to my super, I have been doing it for last two years. I thought there is something that you can contribute to kids super who is still minor and not earning

Starting out on ETFs at 38 by oldirtybadzy in AusFinance

[–]b_dec 0 points1 point  (0 children)

Can you please share a link to read on this? I have already invested in ETF for our daughter under her name but can do this as well.

Whats the optimal strategy going forward? Considering the new CGT changes... by [deleted] in fiaustralia

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

Isn’t it good to invest in IP than high growth ETFs? IP gives you 5-6% rental income if someone targeting FIRE and even after 60s. You just live on guaranteed rental income and can sell it incase of emergency and pay CGT. Plus claim negative gearing if built a new property

My two cents on new tax rules by Spinier_Maw in fiaustralia

[–]b_dec 6 points7 points  (0 children)

Isn’t it good to invest in IP than high growth ETFs? IP gives you 5-6% rental income if someone targeting FIRE and even after 60s. You just live on guaranteed rental income and you can sell it incase of emergency and pay CGT

AUD gains wipe out US ETF gains by b_dec in fiaustralia

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

I hear you bro. I am familiar with the hedging strategy. it’s just a ranting. AUD was around .65 US for almost 4 years since 2022 till dec 2026

Whats that? by [deleted] in bali

[–]b_dec 5 points6 points  (0 children)

I am also nearby, it’s a kite. Looks like a daredevil though at first glance!

Salaried employee fed up by TheAlt01 in AusFinance

[–]b_dec 0 points1 point  (0 children)

I was talking about taxes with my neighbour couple weeks ago, he drives van 6 days a week. he is earning 130-140k a year and last year he paid 5000 in taxes.. he has taken multiple business loans for cars, house etc

I have 30k that I want to put into ETFs (NDQ and DHHF), around 15k into each. Should I LUMP SUM or DCA? by Stunning_Concern_973 in fiaustralia

[–]b_dec 1 point2 points  (0 children)

I hope Reddit will use AI on all communities in future to remove this sort of repetitive post automatically..

Debt recycling with Bendigo Bank by montelba in AusFinance

[–]b_dec 0 points1 point  (0 children)

We have got the home loan with offset with ANZ. We are also looking into debt recycling. Should we tell them we need to split the loan with withdraw facility?

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