focus123 » user profile
Member Since | 23/05/2023 |
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Last Seen | 20/12/2024 |
Recent Activities
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…
focus123 replied to Dollar General on 70k on Super or Offset and Sell or Not Sell The PPOR to Fund a New Home
Actually, that's a good point there. If we put 70k in super we get back 25k, so essentially we lock out 45k which will grow within super…
focus123 replied to apple2016 on 70k on Super or Offset and Sell or Not Sell The PPOR to Fund a New Home
It doesnt work like that. The interest can only be claimed for the lowest balance of the mortgage, which is about 240k in our case. even if…
focus123 replied to Dollar General on 70k on Super or Offset and Sell or Not Sell The PPOR to Fund a New Home
Forgot to mention, we will get a private health cover to avoid MLS next financial year. It will be like breakeven when health insurance…
focus123 posted a forum topic 70k on Super or Offset and Sell or Not Sell The PPOR to Fund a New Home
We’re facing an unusual financial situation due to an unexpected increase in our income this financial year (FY 23/24), plus some…
focus123 posted a forum topic Would You Gamble $800k for a 1 in 47 Chance to Win 19 Million
The Lucky Lotteries Mega Jackpot has gone above 19 million now. There are 200,000 raffle entries to purchase; if someone buys all entries…
Its the initial cost of purchase (stamp duty etc). I think it is not included in the capital gain.
All TAFE's follow a national curriculum. If you look into the course code, there is a national course code that defines what areas are…
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