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20/20 for me though might not have been able to define all the worda without context/elimination

Only when realised. If you sell it in pension phase, no CGT (unless you have some still in accumulation in which case in proportion)

Agreed (hence the "may") but 10% (minus the "gift') is a pretty low rate of tax. Can also be avoided with SMSF and some of the industry direct investment options

Yes, but as you'd know, the vast majority of people who are in aged care either need 24-hour supervision or can't mobilise. Cruising is not a bad alternative to a retirement village, if you've got most of your marbles and don't need personal care, but I tend to think retirement villages are a...

They may not have paid any tax on the capital gains though, nor any tax on any gains in a retirement income stream (and [except for non-concessional contributions] the tax that has been paid is 15% only). Someone has to pay for the aged care. It's either the person themselves or the tax-payer...

A family member has posted with a picture of her newborn, "Baby xx_x, we couldn't love you anymore", which I guess is not what they mean

My latest mystery dozen deal 12 pack - Secret Deal 97pt Barossa Shiraz 2022 was this Seems to be available at a discount at lots of sites (and the 97 points are from SK) but at $150 (pre cashback) with code 97PTBAROSSA can't be a disaster

We easily get value from 2 (and a Coles Plus) Mrsandye's credit card expired last month. As we both registered with the same email address, I couldnt update her account (you can't log in with your EDR number any more. Managed to fix via the EDR chat

The Avios gurus at headforpoints are not too stressed and say IB has already devalued https://www.headforpoints.com/2025/12/03/avios-announces-devaluation/ A potential advantage of transferring to BA (rather than QR) Avios is the ability to Avios Boost and buy at GBP 0.0092...

Credit for starting goes to @FlyingFiona but glad so many have benefited.

The ability to retrospectively top up more than five years was closed off last year. You can probably add current year to make 6. As above, class 2s will cease next April (I'm not 100% sure if this applies to the retropective ones)

Did the Homebuyer's Report include a cellar survey?

Where's the fun in a system you can't game?

Yes the VA to SQ points transfee is an unusual feature You can still redeem VA points in SQ UA QR etc

Go to Redeem Points>Redeem with Partners>all partners>airlines>Singapore and there is a tab. Transfers instantly

This (half) Dozen Deals offer https://dozendeals.com.au/products/6-pack-unlabelled-97pt-barossa-shiraz-2021?_pos=1&_psq=minor&_ss=e&_v=1.0 for $150 after code MINOR but pre-cashback turned out to be this I'm not unhappy

I haven't been following thread closely so thanks for bringing MBV transfer to my attention

Locally, my best experience has been at Mount Lofty in Adelaide Hills. The guided tour is fantastic and service outstanding. The restaurant is very good though pricey

Amnounced in UK budget that class 2 NICs for expats will cease April 2026 Presumably you will be able to claim up to 6 years prior to that date For anyone who hasn't got round to this (and is able get up over the minimum 10 qualifying years*), still likely to be a very good investment of funds I...

It is considered one of the more potent non-steroi_al anti-inflammatories. Higher risk of gastritis amd renal impairment than ibuprofen but not usually an issue with short-term use