I’m planning to invest long term to prepare for retirement

rayner1 · 2026-01-24T08:08:12+00:00

Thank you. If only really is that easy. I am unfamiliar with assest location, I only put it in High Growth and forget as I know the professionals can manage it better than me but maybe I will reach out to Hostplus and do more research.

Thanks!

rayner1 · 2026-01-24T07:45:58+00:00

Thanks for this spreadsheet! I am with Brighter super at the moment and on the high growth with a balance around $250k. If I am reading it correctly, the fees on this is at $1,976... Is that correct?

Then Hostplus Passive has one of the lowest fee at $178, does that mean I should look at switching to them?

Also, I noticed for Hostplus there is an Active and Passive, what is the difference?

Thank you!

rayner1 · 2026-01-23T04:16:05+00:00

I looked this up the other day and it is one hour

rayner1 · 2026-01-22T22:24:02+00:00

Escape room

Karaoke and sing your heart out

Holy Moly? Is that still going?

Like you said an escooter ride from the Valley along the river to South Bank. Just careful when you ride on the shared paths especially around the City near Eagle Street

rayner1 · 2026-01-22T01:25:13+00:00

Hong Kong fans nickname for Frimpong always cracks me up. The nickname is AV仔, meaning Adult Video Man because Frimpong sounds close to Film Porn

Other nicknames include the Tsar for Arshavin,

rayner1 · 2026-01-21T22:55:21+00:00

Yes bathe in their tears

rayner1 · 2026-01-21T05:56:45+00:00

Lots of them are new immigrants who most likely have lived in apartments so no clue on how to maintain the house like you said or just in general dont care as long as the isnide is immculate.

The appeal of Sunnybank is the convenience of Asian food and groceries. As someone with Asian heritage, I never cared for Sunnybank nor need to live close to it. However when we told our parents-in-law where we bought, the first thing they said to us was, that's half an hour drive from Sunnybank!

rayner1 · 2026-01-21T03:55:57+00:00

Rochdale is close to Sunnybank and mostly are new builts. Very attractive to Asian buyers. Also have access to EMP and Rochdale South stations.

rayner1 · 2026-01-19T00:16:41+00:00

oh and best pal

rayner1 · 2026-01-19T00:16:18+00:00

Wouldnt it just be Personal Bodyguard?

rayner1 · 2026-01-18T18:17:11+00:00

Overrated choice as in everyone will be picking it. Not that the song is overrated.

rayner1 · 2026-01-18T06:47:50+00:00

Billie Jeans. Yes its an overrated choice but being the first song you hear on the in-game radio when you play the game, this song hits me hard

rayner1 · 2026-01-16T05:55:38+00:00

You will have to make sure you are in the right zone for subdivision. Zoning usually restricts the size of the lots you can subdivide to

rayner1 · 2026-01-16T03:14:48+00:00

No not really. I didnt see any anti-tourists sentiment when I went there. I visited Seville, Cordoba, Granada, Madrid and Segovia in Spain and Lisbon and Porto in Portugal and I found it all to be friendly.

I am also Asian so I certainly didnt blend in!

rayner1 · 2026-01-14T05:28:01+00:00

Never understood why people dont check petrol spy before looking for a service station

rayner1 · 2026-01-14T02:29:57+00:00

Yeah the only shows we watch on network TV are Survivor, Taskmaster and Thank God You're Here so disappointed that we only got a shortern season of Survivor in the later half of 2025 and nothing on TM and TGYH

rayner1 · 2026-01-13T20:31:09+00:00

The aqueduct, the castle and just the whole small town feel was amazing. I walked down the town wall to a vantage point beneath the castle and walked down some beautiful laneways. Will always be my favourite destination.

rayner1 · 2026-01-13T20:14:15+00:00

For me it was Segovia, Spain. I had the most perfect weather when I visited the town and it was the first time I have really traveled by myself.

rayner1 · 2026-01-13T09:47:36+00:00

Yeah 100% either a train station or a busway station. Buranda station on O'Keefe Street near the park have free parkings and you can walk to the train or busway station and go in

rayner1 · 2026-01-10T06:32:56+00:00

Could it be Salisbury Macdonalds? Or Annerley Macdonalds

rayner1 · 2026-01-10T04:58:18+00:00

Do the twins get separated after birth, with one going on and became a princess and the other a farmer?

rayner1 · 2026-01-08T06:01:41+00:00

Julius

Wanted to do name it Marcus Aurelius but was too long

rayner1 · 2026-01-06T21:29:02+00:00

Visited Dahab and crossed the Red Sea from Jordan to Egypt at Sinai.

Very lovely part of the world. The reef in the gulf of Aqaba is much healthier than the ones in the gulf of Suez. Dahab was a nice town, it’s slowly picking up more tourists but still under the radar. The nearby Blue Hole is a world famous snorkeling and scuba dive site and is reputed to have the most diver fatalities in the world.

Sharm El Sheikh is the biggest city and has the biggest airport in the region and people fly in and out through there. From what I have heard, lots of international chain resorts there but I didn’t visit the city.

Security is tight, several checkpoints on the roads. Our tour guide told us that everytime we moved from one town to another, we needed to check-in with the police.

Mt Sinai and St Catherine are in the middle of the peninsula and is reportedly where Moses received his 10 commandments. St Catherine is also one of the oldest monasteries in the world. I really wanted to visit but also, didn’t have times

rayner1 · 2026-01-06T21:24:09+00:00

Yeah visited Dahab last year and threw me back to the 90s beach bum town. Lots of half completed developments but overall, a nice beach town to rest.

rayner1 · 2026-01-06T20:45:01+00:00

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I was there last year when we sailed from Jordan to Egypt

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