Terbo » user profile

Member Since 07/04/2018
Last Seen 12 hours 27 min
Location NT

Recent Activities

I hope people didnt really pay money for this 'non advice' - buy some old school LICs and Vanguard Index funds. Its simple and easy and the...
23/09/2020 - 10:51
## Merged from [Google Pixel 4 128GB $349 (Clearance) @ Officeworks](/node/567685) ## [Go to...
22/09/2020 - 11:55
Love the ignorance masquerading as knowledge in these posts. Super Directions is an old AXA fund that AMP inherited, they cant just close...
07/09/2020 - 21:56
NB there are no Super funds that run their own insurance except for fed govt, they always contract to an external insurer and get a unique...
03/08/2020 - 16:24
Physical impairments will very rarely impact on Life insurance risk, either there was something else or they got it wrong, ask again or go...
03/08/2020 - 16:17
M39 NS std occupation, std health L800k = ~$450 pa, currently ~$1000 at age 49. Thats for retail cover (medically underwritten, guaranteed...
03/08/2020 - 16:15
Why does anyone do a PhD? The uber nerd academics are everywhere, but study of behavioral finance is getting bigger. But your example will...
22/07/2020 - 21:27
Probably another 3000 - 5000 still to go, as dealer groups close, cancel small business licenses, increase fees, and those not passing the...
22/07/2020 - 21:17
There is probably something you are good at, therefore it comes easy and seems like second nature to you. Money and numbers are a bit like...
22/07/2020 - 16:06
Sadly they are probably still in front of many people who dont even understand that they should probably pay extra off their credit card...
22/07/2020 - 15:58
The biggest variable in financial outcomes can be found in the mirror. Do some navel gazing and then work with an adviser to achieve those...
22/07/2020 - 15:47
NB you forgot to turn the page in the REST PDS for the rest of the fees EG High Growth also has implicit and explicit costs of 0.22%,...
14/07/2020 - 14:10
1. No I think Hostplus is the same thing (The Choiceplus investment option offers many of the features available to a self-managed super...
09/07/2020 - 16:03
ING Direct used to be pretty cheap for share trading within retail Super but havent compared recently. You can look at Aust Super or...
09/07/2020 - 15:27
Good news ! AES Balanced fund is 5th best performing 'Balanced' fund in Australia for the year to 31 May, at +3.72% FYTD from a high of...
09/07/2020 - 15:15
I just remember Tim as the drunk arrogant arsehole who nearly punched some business guy on a morning flight back to Melbourne one day...
04/07/2020 - 18:00
Yes but broadly they invest in the same things cash, fixed interest, property and shares, ethical or not. At present all are providing a...
02/07/2020 - 19:39
So your account went down 4k on 70K in 6 months (so -5.7%). Did you complain or even notice when your account went up 5.7% or whatever it...
02/07/2020 - 15:36
Roll back just a couple of years and 5.78% looks good. NB SMSF loans are now hard to get and are considered a commercial arrangement so not...
02/07/2020 - 15:20
Harsh assessment of Darwin from tik tok! Been here since 2007 from ADL, big country town, everything only 10 mins away, have to like...
20/06/2020 - 13:53
We'll have to disagree on this one. If he claims deduction and 15% tax applied in Super this is offset by refund of actual marginal tax...
09/06/2020 - 12:40
I dont understand. You are talking average tax rate but refund is applied on the marginal tax bracket he is in. The actual refund on $1...
09/06/2020 - 07:22
1. Yes, fin adviser that specializes in risk and uses all available insurers is your best option. Some insurers are having a new look at MH...
08/06/2020 - 12:37
Effective tax rate is irrelevant, its marginal tax rate that matters as deduction comes off the top. Its 34.5% tax/refund at 50k. But yes,...
08/06/2020 - 12:22
Saying all financial advisers do is give investment advice is like saying all doctors do surgery. It's a common image but actually knly a...
08/06/2020 - 12:15
Fitbit Versa 2 also on flash sale, so $264 with extra 5% off instead of $330, wife's xmas present sorted. Also paid with $300 gift card...
11/12/2019 - 20:18
Its a nice idea - as long as you have an ok place to live, food, clothing and transport dont have to cost much and there is plenty of free...
30/08/2018 - 11:53
[@supabrudda](/comment/5821759/redir): I didn't do a quote, probably min cover level for 25 years female, that's the cheapest adult price...
08/04/2018 - 17:20
[@supabrudda](/comment/5821770/redir): :) no association with AIA, fin adviser with personal insurance a speciality. While the companies...
08/04/2018 - 17:13
Yo brudda, more ill informed comments. Industry super funds used to have cheaper cover 5 years ago, now days they have increased costs and...
07/04/2018 - 21:07