focus123 » user profile

Member Since | 23/05/2023 |
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Last Seen | Online Now |
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focus123 commented on Refinancing PPOR to Buy Investment Property
Thank you all for your responses. it seems it is better to use the available equity of current PPOR to buy ETF as it gives flexibility to…

focus123 posted a forum topic Refinancing PPOR to Buy Investment Property
Hi Folks, Got a question to OzB tax experts. The loan of our PPOR is about 225k, its market value is about 1M. We're thinking of drawing…

focus123 replied to
sdm01 on TCL 75" C855 4K QD Mini-LED Google TV (2024) $2008 Delivered @ Appliances Online

@sdm01, how's the shadow details? does it suffer black crush? A friend got the 755 series and it seems to suffer a loss of details in the…

My reference is mainly towards standalone dwellings. As apartments and townhouses, the growth rate is low compared to standalone houses, we…

Economists are highly unreliable.Their predictions come with their vested interest in the property market (except a very few who speak the…

focus123 commented on House Price Growth for Next 10 Year
Most boomer investors purchased their investment properties before their 55th birthday (i.e., 2015 or before), so they are selling at a…

focus123 posted a forum topic House Price Growth for Next 10 Year
Given that housing prices grew so much in the past 4 years, I am just wondering what the outlook would be for the next 10 years. Here in…

focus123 commented on TCL 65" C855 4K QD-Mini LED Google TV $1,399.99 Delivered @ Costco (Membership Required)
How C855 performs in dark-themed movies. Does it preserve shadow details or does it suffer from black crush?

@surfingedge, Thanks for the response. I did little bit more research on the topic and found out how it works, If you sell the PPOR…

@Mugsy, apologies for digging old thread up. when you paid the CGT on the pro-rated taxable portion of the capital gain, did you get the…

Thanks for the hint on checking hotel accomodation

focus123 posted a forum topic 3 Day Stop over Singapore or Malaysia
We are a family with two kids, a boy aged 9 and girl aged 7, traveling to South Asia from Adelaide in March-April next year, and we're…

focus123 posted a forum topic Best Value TV Option for below $600
I got a friend who migrated to Australia recently and he is looking for a 55 inch plus TV and willing to spend up to 600 dollars. The ALDI…

Australian Universities are highly innefective in financial management. They charge very high fees from both local and international…

My Perception of consulting firms is that consulting firms promote people quicker to get a higher billing rate from the client, so yes…

Because they are both good friends and can refer me should I decide to move on from my current role. I know friend B enjoys his reduced…

Very few in IT stay in a single company to get the benefits of LS leave. I know a guy who accumulated so much LS leave and then he went on…

No, 6 weeks of annual leave is separate from PHs

focus123 posted a forum topic Comparison of Total Remuneration Package
Hi All, One of my friends (A) is contracting in IT and he gets 90 dollars per hour including super and works 40hr weeks. Another friend (B)…

Just to give an update to whoever was following this; We did the tax return and got about 22,200 tax refund after MLS was deducted.

Thanks, we are slowly expanding our wings :). Bali is surely in our next 3-5 major flying holidays.

focus123 posted a forum topic Trip to QLD Early September - Gold Coast or Cairns
Hi all, we are considering options to visit QLD with two kids (8 and 6 years). The kids love water play but not the cold water. From…

focus123 commented on How Is The Current IT Job Market Going?
Three things; Big development projects are offshored at least 50-50 and this is driven by major employers of the sector to cut down the…

focus123 replied to
tooblue on 70k on Super or Offset and Sell or Not Sell The PPOR to Fund a New Home

Thanks, I updated the poll option to reflect the correct MLS outcome

focus123 replied to
panos on 70k on Super or Offset and Sell or Not Sell The PPOR to Fund a New Home

Thanks for the comment mate. 15 years ago, there was a time where my wife and I only had less than $4000 in the bank, and both of us…

focus123 replied to
CodeXD on 70k on Super or Offset and Sell or Not Sell The PPOR to Fund a New Home

Thanks for the input, we as a family haven't had income protection insurance and my super does not cover job loss. it covers death, TPD…

focus123 replied to
barge-in hunter on 70k on Super or Offset and Sell or Not Sell The PPOR to Fund a New Home

Yes, If one of us lost the job for whatever reason, then it'll become a big burden and we'll have to sell the investment property anyway.

focus123 replied to
DingoBilly on 70k on Super or Offset and Sell or Not Sell The PPOR to Fund a New Home

Thanks for the link. I will have a second look as if extra super contributions are included for the purpose of MLS calculation, it will…

focus123 replied to
freefall101 on 70k on Super or Offset and Sell or Not Sell The PPOR to Fund a New Home

My wife is happy to give up our current PPOR to reduce the mortgage stress and improve the quality of life in the best time of our lives…

focus123 replied to
Stimps on 70k on Super or Offset and Sell or Not Sell The PPOR to Fund a New Home

The 70k is already taxed at our top rate and currently sits in our bank accounts. When we put that money into super, we can claim it as a…
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