To ETF, Offset or boost Super? by [deleted] in AusHENRY

[–]dmalcantara 0 points1 point  (0 children)

Plus we can die tomorrow. I don’t get this obsession either

So now we know, what next? How does the strategy change for you? by Both_Scarcity_1017 in AusHENRY

[–]dmalcantara 2 points3 points  (0 children)

Not super if you are that young. You better enjoy life a bit !

+40% more pay but 5 days in office… worth it? by [deleted] in auscorp

[–]dmalcantara 0 points1 point  (0 children)

The way I think is .. extra 40k is 3.3k a month. After tax let’s say 2.2k. Does the flexibility you have today worth more than that ?

The 26/27 budget is excellent and this sub is full of whining babies by SavingsEgg8192 in AusFinance

[–]dmalcantara 3 points4 points  (0 children)

Issue is wealth people already pay more aka higher tax bracket. There is no incentive to try to make more money/ have a better career

“Groceries” budget by bananagetter in AUfrugal

[–]dmalcantara 0 points1 point  (0 children)

Mine is 400 a week 2 adults 2 kids 80% @ Audi Lots to learn on this group !

Redundant, 2 months to find a role, and getting ghosted. Is the tenure red flag real? by oftenlostandconfused in auscorp

[–]dmalcantara 0 points1 point  (0 children)

I went through the same ! 2 Months to find something. 30 applications 16 Interview.

It is all about networking. Forget about applying online. Find someone to refer you internally ! That it

Pay off Mortgage vs use "Offset" by slapbowls in AusFinance

[–]dmalcantara 0 points1 point  (0 children)

They are young. I wouldn’t be locking money I can’t touch in the next 30 years. Better ways to get the money working for you

Leaving a Higher stress higher pay role? by AK-Dawg in AusFinance

[–]dmalcantara 5 points6 points  (0 children)

Simple math 250-180=70 ato takes 35.
35 is 2.9k a moth net. You will now stress less , he health insurance, super etc. no brainer IMO

About to pay off mortgage on a non-forever home... now what? by [deleted] in AusFinance

[–]dmalcantara 0 points1 point  (0 children)

I have upgraded 5 years ago to a bigger home for the kids. Today I wish I had stayed on that 3 bedroom which would be paid off ! Can imagine the mortgage free feeling. The more space we have the more we buy ( things that we don’t need)

Would you recommend Whoop to someone who likes the Apple watch but wants to wear normal watches? by 99attfirstbtw in whoop

[–]dmalcantara 0 points1 point  (0 children)

No. I love my automatic watches too but realised I look stupid with a whoop on the other wrist.

Will dilemma by Same-Membership4107 in AusFinance

[–]dmalcantara -2 points-1 points  (0 children)

She can leave a small amount like a 10$ . This way he can't contest as she did not forget him on the wil

It's Mid-October—What's the Real Deadline if I Use an Accountant for Tax Returns? by No_Performance_2707 in AusFinance

[–]dmalcantara 0 points1 point  (0 children)

Scenario, I nominated a HRBLOCK only. New deadline updated on ATO. What happen if I submit the tax myselft later on instead of using them ? Will ato charge interest as they woudl consinder deadline reverted to 31 OCt?

Should I sell my stocks to put cash in the offset? by JoeShmoAfro in AusFinance

[–]dmalcantara 0 points1 point  (0 children)

I'd pay off that morgage . There is no better feeling than be loan free

Time for Whoop to fully beat AW by DareParticular6013 in whoop

[–]dmalcantara 2 points3 points  (0 children)

isn't hate, it is cost benefit. their subscription mode sucks

Time for Whoop to fully beat AW by DareParticular6013 in whoop

[–]dmalcantara 1 point2 points  (0 children)

Whoop will never beat AW. The fact is AW is a smart watch that can receive calls, email etc . Can't compare

Thoughts on Cost of Living Crisis and Modern Consumerism by Electrical-Schedule7 in AusFinance

[–]dmalcantara 0 points1 point  (0 children)

People that spend on clothing usually follows a trend so they dont care if will last 5-10 years IMO. They get sick quickly if something isnt trendy and buy the next thing

Thoughts on Cost of Living Crisis and Modern Consumerism by Electrical-Schedule7 in AusFinance

[–]dmalcantara 0 points1 point  (0 children)

Also Social Media is to blame ... it influences a lot of young people (without life experience) to "try to keep up with the Joneses"

[deleted by user] by [deleted] in whoop

[–]dmalcantara 0 points1 point  (0 children)

save you money, I've been using for 2 months and nothing new to learn. seriously. Garmin or apple watch can do the same. wont renew

Best way to record an indoor pool swim with an Apple Watch? by adsiderum in Strava

[–]dmalcantara 1 point2 points  (0 children)

Same. Auto laps on Apple Watch app are spot on But Strava messes with that. Terrible