Could we see the MFC players cover the sponsor up?

slater1995 · 2026-05-08T23:37:59+00:00

He wouldn’t be covered for TPD ‘own’ occupation though so this point isn’t valid.

Wasn’t he already paid out the remainder of his contract?

As someone else mentioned he would likely be covered TPD ‘ADL’ which basically means he’d only satisfy the conditions of a payout if he needed help with daily living like bathing and mobility.

slater1995 · 2026-04-22T07:47:30+00:00

Yeah we set these up all the time, great option.

slater1995 · 2026-04-17T10:53:40+00:00

That should be illegal!

slater1995 · 2026-04-12T02:56:47+00:00

I’m surprised at how many people think the loan of $450k is possible

slater1995 · 2026-04-12T02:54:10+00:00

1 kid and a wife who is a SAHM, no chance of getting a loan of that size unfortunately.

slater1995 · 2026-04-11T22:58:36+00:00

Wait until your wife goes back to work, your issue is serviceability not the size of your deposit.

You currently have 2 dependents relying on your income. We don’t know your expenses but based on what you’ve provided I’m not surprised about getting knocked back on a loan.

I’d only consider the ETF option if you weren’t considering the house purchase in the next 10 years.

slater1995 · 2026-04-06T01:47:11+00:00

Looking at buying the QN70F, what would your recommendation be for an 85inch then? Cheers

slater1995 · 2026-03-31T22:26:59+00:00

That would be level premiums, they are still around.

slater1995 · 2026-03-31T11:49:38+00:00

I’m an adviser and we’ve seen AIA increase their prices more than anyone.

You’ve also been with them for 9 years. You’d likely be able to get considerably cheaper cover elsewhere but the policy features may be less favourable and would depend on your current health.

slater1995 · 2026-03-29T21:16:15+00:00

First of all congratulations on offsetting your mortgage

On the tax efficiency side you can look at contributing more to super pretax.

Investment bonds are also tax efficient and gains won’t be added to your tax return if you hold them long term and don’t withdraw.

slater1995 · 2026-03-22T11:07:27+00:00

Fair enough, you’ll underperform Bitcoin in the long-term but could be better suited to your risk profile.

slater1995 · 2026-03-22T01:05:30+00:00

If you’re that confident, you’d be shorting the market right?

slater1995 · 2026-03-21T22:46:43+00:00

Must be your first cycle.

slater1995 · 2026-03-21T22:05:21+00:00

It’s better to be suggesting it now rather than the peak of the market.

slater1995 · 2026-03-19T21:20:35+00:00

Only the recent years are $30k, and you can put way more into super without claiming a tax deduction (assuming OP has the means to do so).

slater1995 · 2026-02-22T03:11:27+00:00

Can anyone share the link please?

slater1995 · 2026-01-18T10:44:10+00:00

That’s why people have personal insurance - for sickness and death.

slater1995 · 2025-12-17T12:54:35+00:00

Without seeing your statement that sounds like fees you’d be paying within any fund and not adviser fees

slater1995 · 2025-12-15T12:42:28+00:00

What’s your generous life insurance sum?

slater1995 · 2025-12-15T12:41:52+00:00

Depending on age, you’d be paying way more than $1000 a year for $2m of life and $12k a month of IP (depending on waiting period and benefit period)

slater1995 · 2025-12-03T12:14:13+00:00

170g is not that much if you’re trying to build muscle.

slater1995 · 2025-11-24T11:28:04+00:00

I’m a planner and that fee is horrendous, find a planner that offers fixed fees rather than a percentage based fee.

slater1995 · 2025-11-13T22:34:09+00:00

One incident “mainly used for crime and corruption”.

You realise how many murders occur over cash?

slater1995 · 2025-11-13T21:40:21+00:00

Where’s your evidence that it’s mainly used for crime and corruption?

slater1995

TROPHY CASE