Another potentially useful disposal avenue for the visa debits is linkt tolls. Lower fees for debit v credit though haven't checked if you need to do the surcharge sums
I presume the (I think) unique feature of earning SCs on AS redemptions is being retained. May make lots of sense for the right flyer.
Like most US programmes no domestic US lounge access with status
As discussed upthread
1000 WOW=500 QF
Platinum Edge 315 MR=157 VA/CX/Avios/QF
Use it somewhere that otherwise charges a surcharge/doesn't pay CC FF points
I find the biggest time wasted is going to stores with no stock which is usually not a problem with this type of offer.
Redemption...
Some info on insurance claims
https://fsc.org.au/resources-category/media-releases/2045-fsc-media-release-new-data-reveals-gender-differences-for-claims-1/file
When I was a student, I worked for an Income Protection insurance firm in the holidays. My impression was that a lot of the expensive 'can't work again' claims at young ages were driven by mental health diagnoses which are more prevalent in women
Have used my VIP (status matched via Avolta during promo) in Johannesburg (2x1 night stays) and in Helsinki.
Very good upgrades in JNB, HEL not so much but hotel full
Couldn't use dining discount in JNB and booze excluded in HEL
Lounge access decent in both
Comp brekkie good in both
Have been hunting around and looks like I'm probably wrong.
Superannuation Tax Free Component | Super Guy suggests that once income stream started ratio is locked in. Sorry if I've caused alarm....... (and hoping I don't cop as much flak as Campese is after getting the Wallabies wrong)
My understanding (and I could be wrong as I'm applying logic rather than a clear source) is that the taxed component would be $300k and the untaxed $12k.
If the fund grew by the same amount the following year with same withdrawal the untaxed component would become $12k (from last year) + $12k +...
I'm glad you found that @burmans as I was doubting myself and couldnt find supporting evidence. Still not completely confident I have my head round it all so correct me if wrong
So say you have $1m 100% untaxed and you convert all to a new pension at age 75
If your fund grows 10% that year and...
The growth is taxable on transfer to non-dependents after death.
Depending on markets and investment strategy, it wouldn't be impossible for a significant proportion to be taxable again by 85