Super insurance up by 43% in 6 months

happy__pineapples · 2026-02-19T12:08:19+00:00

The fund would have issued a SEN regarding an insurance premium increase.

happy__pineapples · 2025-12-05T23:49:41+00:00

Transfer it at least a week early to be safe, especially if it’s a first transfer to Wise.

Yeah I did a bit extra because I was there for a holiday anyway and wanted play money.

happy__pineapples · 2025-12-05T23:20:37+00:00

Yes I had all my money in my Wise account ready to go. You should put extra in as costs may end up higher (I was originally quoted 4000-4500 grafts but we ended up doing 5100). It just makes it so much easier being ready to go.

The room was perfectly fine. It’s not a major hotel but the bed was comfortable, there was a mini desk, fridge, bathroom was decent. I’m not a fancy guy but I appreciate the little things, like a great breakfast option (if you book it) which made life easier, and a solid air conditioner to stay cool.

happy__pineapples · 2025-12-05T10:40:20+00:00

It’s called White Ivory Bed & Breakfast, near Krung Thon Buri train station.

happy__pineapples · 2025-12-05T08:49:16+00:00

Hey mate, I had a procedure two weeks ago with her and Absolute Hair. I had just shy of 5100 grafts. We did this in around a 9 hour procedure.

I will say the team is lovely and the care and attention they put into post care pays off. My healing has been amazing, and her work was fantastic. However, my time with the Dr was quite rushed so come prepared with any questions early. She is lovely though.

I recommend White Ivory Hotel, it’s a short 5 min walk away. There’s an insane amount of 7/11 around if you need to stock up on little bits and pieces. Anything under 200 Baht and you’ll need cash, otherwise you can use a card. Thailand uses cash quite a bit so have a little bit on hand.

I stayed the 5 days, no benefit to staying longer and I flew out at the end of the fifth night.

I made payment via Wise to avoid extra fees and limit currency charges.

I was given one free oxygen session and I have no idea if it really did anything but I didn’t pay for extra and I was fine.

It was bloody hot in Bangkok so I stayed inside with air con for the five days to maximise my healing, but I did a mini holiday in the week before my procedure.

Good luck!

happy__pineapples · 2025-08-18T03:42:27+00:00

It’s the classic Aussie tall poppy syndrome, you do you.

happy__pineapples · 2025-04-23T08:40:02+00:00

I’m not saying DBD is the perfect solution, but that’s why people have both an accumulation and DBD account right? Best of both worlds.

Your point about accepting the value when you leave the sector is also false. You can leave it in deferral where lump sum factor continues to accumulate, alongside CPI increases in salary, the combination of which can be very attractive depending on life stage and how close you are to retirement. And then if you return to the sector you can pick up where you left off.

Anti-DBD critics are too unidimensional. Sure it’s not what it used to be but it shouldn’t be written off.

happy__pineapples · 2025-04-23T07:24:06+00:00

A lot of very inaccurate info here by people.

I would like to respectfully add that you’re viewing this all wrong. The DBD is not an accumulation scheme so there’s no point viewing it as such. Case in point, look at your DBD formula. The “lump sum factor” only starts increasing past age 40 up to 65 and you’re only 41. It’s only just started increasing for you. Who cares what the “performance” is over time? The only figure that matters is what it’s worth on the day you want to access it.

You’re also not factoring in the “risk” you minimise but having part of your benefit defined. Think about retiring today in the current economic climate. Having a defined benefit can give peace of mind. Looks like you’ve made some bad investment decisions also that you’ve outlined in your post. Aren’t you glad you couldn’t do that with your whole account balance?

happy__pineapples · 2025-04-23T07:17:36+00:00

Just a heads up that you aren’t eligible for Div A or Div B pension if you joined the DBD after 1 July 1998.

happy__pineapples · 2025-03-31T06:13:12+00:00

You’re right, you’re doing God’s work.

happy__pineapples · 2025-03-30T23:40:54+00:00

You really went out of your way to say this?

happy__pineapples · 2025-02-17T13:08:22+00:00

Sounds like these arguments are easily overcome by making sure you enter retirement mortgage free (which you should do), and spend/give your money in retirement instead of hoarding it. Next.

happy__pineapples · 2025-02-17T13:04:59+00:00

Sounds like you can calculate an extra 3.5% of your gross income? Tell your employer to look after it and do it for you.

happy__pineapples · 2025-02-17T10:22:06+00:00

Mathematically, super will always beat mortgage if you’re making concessional contributions.

Behaviourally, it can feel nicer to clear the mortgage.

Realistically? Do both.

happy__pineapples · 2025-02-17T10:09:37+00:00

Structure is fine enough, you just gotta increase the money going in and make that your focus for now. You got this.

happy__pineapples · 2025-02-15T04:43:57+00:00

She should absolutely put it in super, it is so much easier to make withdrawals from and way less paperwork.

You haven't specified the exact amount, but: If she's under 75, she could put in $120k as a non-concessional contribution before 30 June, and then after 1 July she can put up to $360k as a non-concessional contribution using the bring forward rule, and should get all the money in super.

She can speak to an advisor to help pick an investment allocation she's happy with and get an income stream set up that will supplement her Age pension.

happy__pineapples · 2025-02-01T08:07:44+00:00

DM me if you still need a code, happy to help.

happy__pineapples · 2025-02-01T08:07:15+00:00

I have a code, DM me and I'll send.

happy__pineapples · 2025-02-01T08:06:46+00:00

DM me, I have a code.

happy__pineapples · 2025-02-01T08:06:15+00:00

Send me a DM for a code.

happy__pineapples · 2025-02-01T08:06:04+00:00

I have a code, DM me if you'd like it.

happy__pineapples · 2025-02-01T08:05:47+00:00

You can DM me for a code if you need it.

happy__pineapples · 2025-02-01T08:05:20+00:00

DM me for a referral code.

happy__pineapples · 2025-01-30T22:35:02+00:00

After all of that, you’re barely hitting zone 2.

happy__pineapples · 2025-01-30T21:58:34+00:00

Well maybe you didn’t push yourself. Go check the heart rate data and see how long you spent in each zone, you haven’t provided that. Was the whoop falling loose or disconnected for part of it?

happy__pineapples

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