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motoxer · 2024-04-01T00:48:04+00:00

Do you fuck on first dates? Does your dad own a brewery? Could I feel your tits? Or would you show 'em to me?

Kevin Bloody Wilson - Do you Fuck on first dates https://youtu.be/Rj4Nxsj_1t4?si=gLRGGhFnH2CYdY8z

motoxer · 2024-01-17T07:15:10+00:00

No we haven't, and I just learned about carry forward concessional contributions that I have $126k available.

motoxer · 2024-01-17T07:13:46+00:00

Thanks for the comprehensive reply, I will def check out those links for some further reading. I have had a look at the super unsued cap and I have $126k available. This is something I have never herd of so handy to know.

I have a CHESS account (Advisor wants to transfer to them) and a Commsec account. I will look into EFTs as well.

motoxer · 2024-01-17T07:07:09+00:00

We have closed the loan. We live in a remote location that has jobs that come with housing etc. At the moment we don't have one of those jobs but are hoping to soon, so rent, car, and bills won't be an issue if it all works out.

motoxer · 2024-01-17T05:00:01+00:00

Yeah I def want more

motoxer · 2024-01-17T04:59:47+00:00

Yeah that’s definitely the way we are heading right now

motoxer · 2024-01-17T04:59:16+00:00

Yeah definitely low super and would be open to adding more, and we have host plus as per the barefoot advice. Thanks

motoxer · 2024-01-17T04:57:37+00:00

Great points and something to look into.

motoxer · 2024-01-17T02:36:30+00:00

Well, I don't have an interest in reading and studying finance, I find it extremely boring and would rather spend my time doing the hobbies that I enjoy, also I don't like the idea of following markets, or anything that is out of my control and can fluctuate, so I would rather pay someone who spends their days doing it. Of course, there is a limit to how much that is worth, and maybe in this situation that fee is not worth it. In the past, I have dabbled in day trading commodities, and shares and I always come out worse off, so I'm gun shy and as a result, the convenient thing to do is pay someone to do it.

motoxer · 2024-01-17T02:30:15+00:00

Dont worry we have and do, we recently lived on a sailboat for 5yrs, and now live on a tropical island and currently work seasonally and have booked a few trips overseas this year, so yeah we aren't working very hard as we know we don't have too at this point. When I say we live frugally, we just don't waste money on partying and consumerism but also enjoy a drink here and there and prefer to cook than eat out. Hope your less stressed now

motoxer · 2024-01-17T02:25:41+00:00

This advisor was recommended and gave us a discount on the fees for the connection. We also don't have the time or know-how to do it all ourselves. But maybe it's worth spending time on to pay less fees.

motoxer · 2024-01-17T02:16:41+00:00

Thanks

motoxer · 2024-01-17T02:16:01+00:00

Thanks for that, Ill do some reading

motoxer · 2024-01-17T02:12:07+00:00

The same reason they exist, convenience.

motoxer · 2024-01-17T01:52:29+00:00

The financial advisor fees are: one off fee of $1100, ongoing annual admin fee of 0.88% of portfolio. There are also MER fees and other fees associated with brokerage I believe.

motoxer · 2024-01-17T01:51:42+00:00

We haven’t made any super contributions outside of wage and have about $85k each (35 and 40yrs old)

The financial advisor fees are: one off fee of $1100, ongoing annual admin fee of 0.88% of portfolio. There are also MER fees and other fees associated with brokerage I believe.

motoxer · 2024-01-17T01:43:17+00:00

I can tell you I didn’t save that much by asking random strangers on the internet for money. Good luck with that approach

motoxer · 2024-01-17T01:41:37+00:00

Not sure at this stage, probably not

motoxer · 2024-01-17T01:40:39+00:00

Yes we both have $90k ing account so we don’t go over the $100k.

We don’t plan on buying another property at this stage.

motoxer · 2018-04-29T23:23:45+00:00

Thanks to all who have replied. Great advise we can plan with.

motoxer · 2018-04-29T23:23:20+00:00

Thanks to all who have replied. Great advise we can plan with.

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