amorphous2111 » user profile

Thank you very much. Do you have a link to some official guide from the state goverment for this regulation? or the ANZ standard code?

@WookieMonster: So they don't allow/like you to purchase Apple gift card using physical TCN cards in-store these days, at JB-Hifi? I have…

Hi all, do you know what is the legal requirement between the electrical meter/fuse box and the main gas pipeline in SA? I had a…

yeah I knew the RE underquoted that house, and the fact that it is a nice house to live in kind of makes it not ideal for IP anyway.

Well I missed out but thanks anyway, next one might come at a better time.

Yes, borrowing 105% of the cost is generally considered as the most tax-efficient way of structuring IP loan in personal names. If I have…

Yeah I think it's correct. Well I have my reserve anyway if it goes over that then it's not for me.

Lower value means my own valuation, based on recent sales in the area, the guide from RE + some %, and multiple online valuations. Let's…

Yes I understand. The only problem is that I don't have enough time. Anyway they take 5% deposit so it's ok.

Yeah I inclined to think this way.

Hi everyone, We are looking to buy an investment property. 80% will be borrowed against the to-be-purchased IP and 25% will be borrowed…

I am with Unisuper and their fee is about 0.7% in average. VAS or VGS averaged 0.12% and we can sell some in case we need the money.

No, only concessional I should have been more clear. Super doesn't always invest alot in ETFs, and the fee is less competitive. We want…

I am thinking of doing it directly with Vanguard. I have selfwealth account but they charge fee for buying and selling... I want to do the…

Thanks, Vanguard asks for the TFN so I think they will autofill with the ATO. I think spreading the CGT over the years would reduce the CGT…

Thank you. Yes I agree super would be the first option, but we have reached the contribution threshold.

Hellow fellow OZBs, I hope to set up an ETF investment with Vanguard for a long-term and in an effortless way, likely in the 10+ years. I…

Thank you

If paid witn gift card, what would be shown in OW invoice as payment? I need to claim the phone through salary packaging. Normally I bought…

Delay tracking is not much an issue, if it tracked after a few days it would be fine. The most deceptive action of CR is this: After…

I second darthsparow, been doing SS for years without any problem.

Yeah I just accepted what happened and try not for it to happen again.

Thanks. Yes people are free to offer comment, mocking or advice, and I am free to choose what to listen to and whom I response or thank for…

Yes for about 550, but legally the car will be insurance fraud if it is stolen and I claim insurance because I am aware that there are 2…

Thank you, yes it really is. Everything seems to fall into one place badly this time for me. The house has no content insurance. Generally…

Well, that is the quote from Lexus dealership, no matter how much your Lexus is currently worth. Parts for the ECU and key fobs are 4,000.…

Could you please shine some light on this? Do you think they would try to catch the bad guys asap and have interest in me recovering my…

It's an old RX350 which is worth like 15,000. But Lexus insists on replacing the certification ECU and reprogram 2 new keys. My…

Hello OzBarginers, my house was broken in during my holiday and I have filed a police report. Now, the offenders used my credit card to…

Thank you, I have gotten a Eufy set and will see how it goes. Your suggestions about how to future-proof the house from these thiefs are…