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This strategy doesn't work so well outside of an smsf as you have to pay 15% CGT on gains in the accumulation account

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

Could bite your tongue with that one. May contain eegs

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 +...

No idea of my rosters but put me down as a Gold

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

My reading of the ato site below is yes but doesn't seem logical

75. At current life expectancy, still plenty of time to leave the kids with a tax bill

Anticoagulants are always a trade-off between clotting and bleeding risk. The pharmacological half-lives are not always helpful (xarelto's is about the same as clexane) as the biological clotting action doesn't completely correlate. If looking at an oral agent, one could argue that dabigatran...

I recently transferred the proportion of my super in Aware to the Hostplus Choiceplus direct investment option. Has most of the accumulation CGT advantage of an SMSF with much less cost and hassle. Obviously cant use for leveraged property (or other assets) but had no intention of doing so...

Empagiflozin?

I understand Maggie Thatcher was incensed. Wouldn't have fancied being the BA CEO on the end of her telephone call

Financially yes but given as these are a good way of paying large bills with surcharges/ineligible for FF points 😉, I bought the yellows

It's only a small detour on the way to work to catch all 4 local ones

Been to 4 stores this morning all with plentiful stock

Received this offer today. Lots of airlines including QF/VA and hotel (Silver/Gold only) programmes offered. USD 175 fee for Gold/Plat with airlines https://kenya-airways.statusmatch.com/

I am in for dinner barring life IRROPS