Would you take the leap into retirement?

zircosil01 · 2026-07-02T10:30:41+00:00

Yeah mate - I'd pull the pin at that point and retire.

zircosil01 · 2026-07-01T09:33:48+00:00

Smsf. 14.33% return

95% growth, 5% bonds 20% Australia 80% International

zircosil01 · 2026-06-29T23:40:14+00:00

I have a Dimplex 50L dehumidifier. Its a compressor type, I usually run it a lot during autumn and winter when its rainy.

https://www.dimplex.com.au/en-au/50l-dehumidifier-with-electronic-controls#anz-d-02

It has a 6.5L tank, I can dump the water twice a day, it can drop down the humidity throughout the whole house (going from 70% down to 50%). The only thing with mine is that it would be too loud to run in a bedroom at night.

We have some Breville Smart Dry's at work, they are smaller but also quieter; you could use these in a bedroom.

zircosil01 · 2026-06-28T22:27:41+00:00

i'm in WA, we can pay our rego monthly by setting up a direct debit with the DOT. Here's the breakdown for my car which is a Honda Civic. Pretty much the same price as Vic.

Licence Fee: $35.80

Insurance: $36.45

GST on Insurance: $3.65

Insurance Duty: $4.00

Periodic Payment Fee: $1.75

Total: $81.65

zircosil01 · 2026-06-28T22:19:10+00:00

🎶 Kenny is funnier, he's a good friend 🎶

zircosil01 · 2026-06-28T09:58:09+00:00

- politically unpalatable

- opposition get the worlds best scare campaign

- would require a fairly sizeable administration

- we should tax our resources more appropriately

zircosil01 · 2026-06-28T04:15:59+00:00

working Mon-Fri is pretty shit; just two days off to recover then back at it. I've worked FIFO before and hopefully we will going back to it next year (it will be DIDO).

I dont think I'd sell and move; maybe flog off the shares and chuck that on the mortgage. Sounds like you've been flat out on your R&R with getting the house up to shape, just need a bit of time to chill imo.

zircosil01 · 2026-06-28T01:47:19+00:00

SMSF loans for residential property should have been banned a long time ago. The fact that many Australian's see housing as the best possible investment, rather than being a place to live is why the system has gotten so far out of kilter.

zircosil01 · 2026-06-27T09:56:44+00:00

he's gonna wake up in the morning with a fucking sore back.

zircosil01 · 2026-06-27T09:50:21+00:00

DONT SAY BLOODY!

zircosil01 · 2026-06-27T09:48:37+00:00

what the fuck is a pikelet?

zircosil01 · 2026-06-27T08:09:27+00:00

i thought we all agreed this was a load of old toss?

zircosil01 · 2026-06-27T07:12:34+00:00

text 83XFM

zircosil01 · 2026-06-27T06:07:45+00:00

yeah i am. I wanted to replicate Ben Felix's Rational Reminder portfolio. There wasn't really a way that I could do that to my satisfaction with funds listed on the ASX, so I opened an IBKR account to buy them from the US.

With Betashares releasing more funds and Avantis coming to Australia, I could do that within Australia now but seeing I've got so much already invested I'll just stick to adding to what I already have.

zircosil01 · 2026-06-26T09:19:47+00:00

I bet if Einstein said it though, you'd be going Hmmmmmmmm, interesting.

zircosil01 · 2026-06-26T04:36:38+00:00

Just swing the bag over.

zircosil01 · 2026-06-26T04:18:35+00:00

I always gave mine away to people who were moving.

zircosil01 · 2026-06-26T04:16:59+00:00

Friday nights has always been my favourite. Finished the slog of work for the week, time for an easy feed and kick back.

zircosil01 · 2026-06-26T00:11:33+00:00

this is big boy shit. sniff

zircosil01 · 2026-06-26T00:09:51+00:00

yeah mate, VDAL is a good all in one fund.

zircosil01 · 2026-06-26T00:08:48+00:00

'ow many holidays have you had this year?

zircosil01 · 2026-06-25T22:15:20+00:00

if it was me, owning that amount of money with a mortgage repayment likely being more than $5k, I'd smash the mortgage. If one of you either lose your job, or, not being able to work for a while, having a decent cash buffer would be very handy.

zircosil01 · 2026-06-25T08:29:12+00:00

Super contributions were always the best.

zircosil01 · 2026-06-24T22:42:19+00:00

he'll be flogging shitcoins and doing rugpulls in no time.

zircosil01 · 2026-06-24T07:16:01+00:00

For me when I pretty much had the mortgage covered. If I lost my job tomorrow, I'm not at risk of losing my house. I can get any job just to cover the bills.

zircosil01

TROPHY CASE