@Pushka also consider having separate accumulation funds for concessional (employer SG and salary sacrifice) and non-concessional contributions (personal non tax deductible). The reason - concessional contributions form taxable component and whilst tax free to member and dependent beneficiaries...
The difference in returns is what to look at @Pushka - choose any option that is in both funds. look at the end value and you’ll see a reasonable difference between them at the 10 year mark. I believe Balanced Growth (purple line) is ~$2,200 in accumulation and ~$2,800 in pension. The difference...
@Pushka did you consider that the tax on investment earnings within an income stream product is zero, versus 15% (although it can be reduced) within the accumulation phase? Parking the majority of the funds into a retirement income stream product will therefore earn you more versus maintaining...
Then yesterday was down at Howard Wharves, underneath the Storey Bridge. Couldn’t reach over and get the menu:
Mains: Succulent chicken breast
Sides:
Dessert. Really needed something else to cut through the heavy chocolate mousse - slices of citrus would have complemented it nicely. Even...
Lunch seminar at Sofitel Brisbane:
The wedge of lemon was needed, made the entree
Beautiful slab of beef, perfectly cooked medium rare:
See this is how to do dessert. Could have polished off another.
Walking down towards Howard Wharves for a function yesterday, quite surreal to be walking under the Storey Bridge
View down river with Kangaroo Point on the far right on opposite river bank, down to East Brisbane
The more iconic view
I suppose we share to get a second opinion (because of the kindness of the various Dr's that frequent the thread and give their time and general advice), or put in words our feelings and see what others have to say. For some of us (not me :eek: ) we have the anonymity of the internet (unless...
I’m on Ciprofloxacin 2/day plus Augmentin (Amoxicillin) 2/day for my wound. My pharmacist said not to drink milk with Cipro as well as watch out for hypersensitivity to sunlight - thankfully had neither.
Like you @Mattg I bought my first J seat ($509) in many many years on a recent BNE/MEL flight and it was in last years DSC. That pushed me over the edge.
Will be interesting to see how long the reduced QF J fares last.
I'm like most others above - I generally leave Lounges when flight is called (which means they are usually well into general boarding), join the Priority queue and dealt with first before the next Economy pax.
The couple of times where I've had no Lounge time, PB calls made at Gate and I'm in...
Then for some of us, like me, we’re using DSC to finally attain LTG and then the pressure will be off. 130 SC’s to go, will get it this year. Only been 35 years of travel 😳 (or 26 years as @serfty pointed out above).
Yes, for those that won’t be able to make sufficient bookings to allow them to go up in status tiers, then double points is arguably in their mind a better offer.
The higher the tier member, the greater likelihood that they’ll opt for DSC as they perceive more of a benefit with that option.
In...