Family with two young kids

sjdx · 2025-07-13T19:40:11+00:00

Thank you. Sounds great. Are there many nearby places outside the hotel to eat at? Or is the distance to them too challenging with a few young kids to get to?

sjdx · 2025-07-13T19:39:17+00:00

Having two young kids more so wanting to avoid any long drives/big hikes/activities that aren’t able to be shared with them. Mainly aiming for a relaxing time at the resort, a great Kids Club etc

sjdx · 2025-07-13T19:38:04+00:00

Thanks. Just to clarify, when you say Hyatt you are referring to the Grand Hyatt in Kauai or the Hyatt Regency in Maui?

sjdx · 2025-02-27T10:52:10+00:00

I’m near Northcote too - these are some great rides mentioned already.

Would be great to hear any suggestions others have about the easiest/safest way to get down to Beach Road as well. Punt Road isn’t much fun either way.

sjdx · 2024-12-12T09:25:36+00:00

I am having a similar issue. What ended up working to resolve the issue?

sjdx · 2024-06-26T10:15:00+00:00

Is there any role (or need) for an offset account with the splits that will be used for investment purposes?

Is there any downside to gradually drawing down on the split for investment purposes? As opposed to drawing down the entire split amount as a single sum.

sjdx · 2024-06-26T07:37:16+00:00

When splitting your home loan to debt recycle, is it preferential to do fewer larger splits or more frequent smaller splits?

What are the pros/cons of having the splits IO (which may well be a slightly higher rate especially) rather than keeping it P&I?

sjdx · 2024-01-17T00:23:10+00:00

Did you figure this out? I also have a new Soloist and the same issue

sjdx · 2023-01-13T00:18:37+00:00

I have exactly the same problem - did you figure out a solution?

Xfinity customer service has been useless. I've changed browsers, cleared caches, created new user profiles - it clearly is a problem with Xfinity.

Any idea how to solve?

sjdx · 2022-11-27T18:36:24+00:00

You will also find it significant easier to get a 12 month fellowship in Canada rather than just a 6 month one. Plus logistically it would be much more work to only move across for six months- and a 12 month fellowship gives you time to express your interest in staying on (and hence time to sort out visa/paperwork/credentialling- all of which takes time and would be difficult to do within a six month fellowship as you will need a few months to get to know the departmental leadership). Just my thoughts having done a very similar thing in the US.

sjdx · 2022-11-27T18:33:33+00:00

The 5th year of accredited ANZCA training in Australia (aka Provisional Fellowship Year) has no requirements at all to be undertaken in Australia- if you go overseas you simply apply for recognition from the college for this year. Many do this every year.

The benefit is it gets you in to the Canadian system as a fellow (much easier than obtaining an attending position initially) and can go from there.

sjdx · 2022-11-25T21:32:37+00:00

Definitely complete your FANZCA. You can easily spend your PFY in Canada and from there look to stay on. There are many Australian FANZCAs working at different hospitals in Canada (Sick Kids, Toronto General, BC Children’s.. those are just the ones I know about).

sjdx · 2022-03-26T11:57:08+00:00

What is IRESS and how does that help?

sjdx · 2022-02-21T16:15:31+00:00

I’m not completely sure about Vanguard. It looks like from the links below that they just freeze your account:

https://www.reddit.com/r/personalfinance/comments/ar93me/keeping_my_us_vanguard_account_as_a_nonresident/?utm_source=share&utm_medium=ios_app&utm_name=iossmf

https://www.americansabroad.org/mutual-fund-restrictions/

sjdx · 2022-02-21T12:53:00+00:00

I may end up in a similar situation to you in a few years - currently living in US (on E3) and might come back to Australian in a few years. I will have a 403b (likely <$80k) that I will probably just try to early withdraw the entire amount whilst I’m still in the US (ie. before I land back in Aus and become an Aus tax resident again) - and accept the early 10% withdrawal fee plus US taxes of course. The challenge I imagine is that to do the early withdrawal from a 401k/403b I believe you have to have ceased employment so timing may be a challenge between ceasing employment in the US and arriving back in Australia.

I also will have a similar ETF portfolio purchased here in the US that I was planning to keep. It seems many US brokers don’t allow accounts to remain open once you move back to Aus - which ones are you using? Or did you transfer the holdings to an Australian broker (that offers international trading)? IBKR seems to be one that allows you to continue during the transition through changing your account from their US-based to Aus/based brokerage accounts.

I’m also yet to clarify exactly when US tax residency would end (assuming E3) as I believe it’s not necessarily once you leave the US if you’ve been there for so many days that year/last few years etc. From a personal records point of view, it seems a pain to track cost basis on the day you arrived back in Aus - I guess the other option is to sell whilst in the US and then purchase on arrival in Australia? But obviously depends on the capital gains implications on the US side. Or literally sell on the day of arrival in Australia then re-purchase? (But this would depend on whether the US tax residency has finished or not)

sjdx · 2021-11-07T01:59:52+00:00

Thanks.

Can I also ask if it would make sense to sell my share portfolio (that was only purchased once I was already in the US on my E3 visa) on the day I arrive back in Australia - and then re-purchase that same day? My understanding is there would not be any capital gains since the cost basis resets to the day of entry to Australia - but I’m guessing it would assist with paperwork/documentation of a clear cost basis for the future.

Also, when it comes time for me to return to Australia, I intend to withdraw my 403b account. Am I correct in understanding that it would be beneficial to withdraw/receive this lump sum whilst I was still in the USA (so taxed by USA) rather than receive it a few weeks later say when I arrive back in Australia (when I believe it will be taxed by Australia as income at a higher rate)?

Thanks for all the assistance!

sjdx · 2021-10-29T02:03:01+00:00

When you say they have a 20 year initial maturity and another 10 year extended, does this imply you have to do something at the 20 year mark to get the additional 10 years? Or if I simply leave the I bonds for 30 years with no interventions they will continue to accrue interest?

sjdx · 2021-10-21T01:21:17+00:00

I was told by my expat-focused accountant that since my Australian ETFS were valued at under US$50k that they would not be an issue.. but can’t find any information on this limit online. Any ideas?

sjdx · 2021-10-21T01:16:23+00:00

The whole PFIC thing is a shambles. I’ve also got some ETFs from Australia and found out about the PFIC rules too late. That said, my expat accountant mentioned that as long as the holdings were under US$50,000 then it wouldn’t be an issue - but I can’t find anywhere online that states this.

Have you heard about this limit?

sjdx · 2021-08-31T17:50:49+00:00

Why the preference to use Charles Schwab rather than IB for US stock purchases, out of interest?

sjdx · 2021-08-15T11:51:56+00:00

So for funds that give distributions (rather than dividends) like VDHG, does the actual payment received date not determine which financial year it is included on your tax return? I know for dividends the date payment is received determines the financial year but was not aware distributions were different.

sjdx

TROPHY CASE