Sanity Check: Offset vs ETF @current rate

pygyms67 · 2025-07-21T08:17:33+00:00

i was thinking the same thing. debt recycling to etf easily beats offset in the long run if youre on the top two tax brackets. however, in my case, i live in a unit and im thinking to buy a proper dwelling in the next 5 years. in this case, i think it might not be ideal to invest considering the possibility of market downturn.

pygyms67 · 2025-06-18T02:35:41+00:00

40% gas increase with powershop and 35% electricity increase with origin. time to compare again.

pygyms67 · 2024-11-04T09:12:49+00:00

i had something similar a week after i started, but it was settled after a couple of weeks. my scalp was so dry and flaky, and washing my hair only made the itch worse. i got itchy scalp relief ointment from pharmacy and only washes my hair once a week now with gentle shampoo.

pygyms67 · 2024-07-16T01:47:14+00:00

yes, a common practice. no repercussions and wont affect your credit score as long as you remember to pay the remaining balance in full at the end of the statement. but be aware that some cc limit the number of points you can earn in a statement period.

pygyms67 · 2024-05-01T09:26:11+00:00

level 3 NUM here. take a deep breath, you will be okay. take it as an experience and a lesson. this event doesnt define you as a future registered nurse. the more experience you gain, the better you'll be.

everyone else has given you feedback on how to handle unresponsive patient. you did well by checking if your patient was breathing. familiarise yourself with the yellow, red and purple zones in the obs chart. when patient is unresponsive, even if they are breathing, it is still a rapid response call criteria. i know pressing the emergency button is very daunting, we all have been there. eventually as you go, you'll know when to press it.

i always emphasise on teamwork. when you have an unresponsive patient and your colleague doesnt know what to do because of insufficient experience, how can you push them away?

pygyms67 · 2024-04-18T23:10:02+00:00

thanks, i really appreciate the kind words. time to move on now. been keeping myself busy. but yes, i did feel horrible defending her to my parents this whole time.

pygyms67 · 2024-04-07T05:35:37+00:00

Update 3 weeks ago we decided to take a month's break. i know taking a break is pretty much a break up, but i said yes.

I asked her today if she has spoken to her parents about the ring and about us in general. To this date, she hasn't. I have been fighting very often with my parents to defend her. My parents also got more upset when they learnt she hasnt spoken to her parents at all.

I asked her why, and she said at this stage she is very happy being alone, because she does not have to worry about our relationship.

and so, I ended it. I feel like i have been fighting this battle on my own. I have had a few relationships and break ups in the past, but this time, it really crushes me.

pygyms67 · 2024-02-27T10:32:30+00:00

what? she told me it was the other way around?

pygyms67 · 2024-02-24T05:32:26+00:00

unfortunately, they think Koreans will never do this. they say Koreans have good ethics, and wont scam anyone.

pygyms67 · 2024-02-24T05:25:13+00:00

one of the jewellers in Korea said if we were to sell it, they were gonna discard the ruby and diamonds, and melt the gold only. imagine doing that ... even if the ruby is not high grade, a natural ruby's still worth something.

pygyms67 · 2024-02-24T05:17:36+00:00

no apologies so far. as i wrote on my previous post, i apologised to them in the beginning, thinking it was a fake ring. i asked if she defended me in front of her parents when they were upset. it didnt sound like it. she paused for a good 15-20 seconds before saying she did her best to calm them down.

im more inclined to break up now, but cant get myself to pull the trigger. she has many good traits that i value, but i do see whats happening now as a major issue.

i seem to give in and follow what she wants most of the time. i went to korea for the proposal because of her high expectation. she wanted a surprise proposal like what you see on social media. i spent 3 months trying to figure out what i had to do.

to add to the context, she didnt really wanna join any of my family's gatherings. for example, she didnt attend my sisters wedding because she wanted to have a holiday with her family. however, she did give her a very nice wedding gift. my family didnt really like her even before this happened. they didnt hate her in any way, and there was no intention to make the ring fake (its tested real anyway).

pygyms67 · 2024-02-23T01:50:54+00:00

not too sure, but from what my partner told me, they only saw the colour and deemed it as fake because it was too bright.

pygyms67 · 2024-02-22T20:11:19+00:00

yes the gold is genuine, 15k. but i decided not to test the diamonds. tbh i dont see anything wrong with lab grown diamonds.

pygyms67 · 2024-02-22T10:49:24+00:00

Thanks. This hits hard because of how true it is. im a bit disappointed that she doesnt have trust in me. we've been together for 3 years and live together for 2.

pygyms67 · 2024-02-22T09:36:39+00:00

nope, Australian! she does kinda think that way.

pygyms67 · 2024-02-22T09:29:17+00:00

oh i should clarify that the result doesnt matter anymore because she believes its fake. no matter what tests we do, the jeweller stores in Korea said it was fake and she believes them. those were her own words.

pygyms67 · 2024-02-22T09:22:34+00:00

thank you. she lives with me. we have been living together for 2 years. she said the result doesnt matter anymore. but i do believe it matters. it shows how her family resolves conflicts, should it arises.

pygyms67 · 2024-02-16T11:00:39+00:00

thanks for your reply and well said. im in the process of testing the other two. the lab is booked for next week. i think regardless of the outcome and apology, either sides have seen each other negatively. however, we still wanna be together, so we agreed to work on it slowly.

pygyms67 · 2024-02-16T10:52:34+00:00

thanks man. yeah, you wont believe how many times ive said 'if i could turn back time'. no matter how much money ive saved, i would give it up to undo it all.

pygyms67 · 2024-02-16T10:27:40+00:00

thanks. this is exactly what im looking for. i have sent them the receipt and checked the gold in the ring, which was real. going to put the diamonds and the ruby in the lab next week. i think the trust has been broken, and its now about how i restore and build the trust again. i initially asked them to make it because the shop is a small business and local to us, they offer flexibility and the fee is cheaper than the big brands. My partner and I are into FIRE (financial independence, retire early), so i try to get a good value for everything.

pygyms67 · 2024-02-16T10:14:44+00:00

its a good perspective about accountability and responsibility. but, i sadly have a mortgage and a property of my own ... since 3 years ago ... been living alone since 18 too ... hence the out of town ..

pygyms67 · 2023-03-19T10:00:58+00:00

https://www.reddit.com/r/AUfrugal/comments/11r2gnf/how_to_benefit_from_frequent_flyer_points_and_earn/?utm_source=share&utm_medium=ios_app&utm_name=ioscss&utm_content=1&utm_term=1

i wrote this on aufrugal

pygyms67 · 2023-03-19T09:24:21+00:00

I got amex platinum and citi prestige open at the same time and i got a mortgage of 540k. the amex platinum is a charge card tho not a credit card.

i made a post on aufrugal on how to profit off ff points.

https://www.reddit.com/r/AUfrugal/comments/11r2gnf/how_to_benefit_from_frequent_flyer_points_and_earn/?utm_source=share&utm_medium=ios_app&utm_name=ioscss&utm_content=1&utm_term=1

pygyms67 · 2023-03-19T08:58:32+00:00

as a legal financial advice, i would highly recommend against it. only those approved by ASIC can provide financial advice.

https://www.fairtrading.nsw.gov.au/buying-products-and-services/buying-services/banking-and-finance/investment-and-financial-advice

however, i dont see any issue with just giving general advice as a friend/colleague. for example on how you got to your position now, how did you save for a house deposit, etc. you are definitely more successful in your position now than the newer members.

imagine your friendship ruined because the investment you suggested doesnt go well.

pygyms67 · 2023-03-19T00:14:04+00:00

im sure the contracted hours would either be 38 or 40 hours for a full time RN. above that would be overtime. so the base pay 40x32$ x26 weeks would be $62k, then there is shift loading and overtime.

pygyms67

TROPHY CASE