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  1. raskolnikov

    Tax Question

    Another tax question. I bought a laptop last financial year. I bought it mainly for the purpose of doing my PhD on. However I've probably be using it 50% for work, 50% for PhD. Am I able to claim 50% of the purchase price as a deduction, even though I am provided a laptop from work?
  2. raskolnikov

    Super Property Solutions

    Yep. I've decided I'm not interested. Just too many variables, risks and costs associated with it. And I'm not one who likes to take risks financially like that.
  3. raskolnikov

    Super Property Solutions

    The guy that was talking to me said that if there was a global crash like a few years ago super invested in shares would take a massive hit, whereas property is less likely to suffer a loss.
  4. raskolnikov

    Super Property Solutions

    I'm being courted by this group at the moment. https://superpropertysolutions.com.au/ Their idea is to buy an investment property using your super. Hopefully this then increases in value over the years. So, for example, if you bought a property for $400k hopefully by the time you retire...
  5. raskolnikov

    Superannuation/Salary Sacrifice

    Looking at my super balance every day is seriously getting me down. Anyone got a spare cardboard box I can live in when I retire?
  6. raskolnikov

    Poverty

    Fish and chips every day? Last time I bought fish and chips for four people it cost me about $70. No wonder they're in poverty.
  7. raskolnikov

    Credit Cards

    I know right.
  8. raskolnikov

    Who Here Owns A Business?

    Possibly. Dealing with irate parents doesn't really appeal to me.
  9. raskolnikov

    Who Here Owns A Business?

    I think there will always be a demand for coffee. Not sure about coffee vans.
  10. raskolnikov

    Super

    Someone told me yesterday that Super companies do not have the funds to pay people out their super which is why they only release a bit at a time. Most companies will eventually go broke and unless you plan to retire in the near future you won't ever see your super. Anyone else heard anything...
  11. raskolnikov

    Who Here Owns A Business?

    I'm a teacher but really can't see myself wanting to teach past about 55 so am planning to go into the coffee van business when I reach that age (7 years away).
  12. raskolnikov

    Shares

    So far all my investment has been in property but I would like to diversify but have FA idea about the stock market. Can people please give me ideas/advice about how to go about this. Cheers.
  13. raskolnikov

    Buying a house at 22 - should I do it?

    My biggest question is why you would want to live in Ipswich.
  14. raskolnikov

    Renting out Property

    I've rented my house in Victoria for the last four years. Not an issue. Looking to put it on the market now though as I've bought a house in Queensland so don't think I'll be moving back to Victoria anytime soon.
  15. raskolnikov

    How much savings do you have?

    Usually only keep a couple of thousand in the bank. Everything else goes into my mortgage. I am quite a bit ahead in my repayments so have that up my sleeve if needed.
  16. raskolnikov

    Investment property

    My house in Victoria is in Leongatha. My duplex is in Gladstone in Central Queensland.
  17. raskolnikov

    Investment property

    I would like some advice on my situation. I had a house in Victoria. I moved up to Qld and rented my house in Victoria out. I lived with family for a while then purchased my own place here. The place I purchased here is a duplex. The plan was to live in one and rent the other out. I had a tenant...
  18. raskolnikov

    What do you do and how much do you make?

    I'm a senior teacher. Starting salaries are much lower. I'm regional but teachers all over the state get paid the same. There are some perks to regional/remote teaching though like free/subsidised rent and tax offsets.
  19. raskolnikov

    What do you do and how much do you make?

    Secondary teacher (primary qualified but teaching secondary special ed) in Queensland. 90k pa.
  20. raskolnikov

    Tax Return

    When I logged on it told me I had super in four different accounts, even though I had them rolled into one over a year, probably almost two years, ago.
  21. raskolnikov

    RBA say's your probably better off renting

    It also doesn't take into account the fact that if it is your own home you can do anything you want to it. I love renovating my home and making different kinds of changes and improvments. If you rent you basically can't change a thing so it never really feels like a home.
  22. raskolnikov

    Question about Rental Property

    I have a unit that I am currently renting out. The tenant is a pig. He leaves food wrappers around the place, washes the dishes once a month and leaves food out. Yet every few months he will ring up complaining about pests and demanding I call an exterminator. I don't feel I should have to pay...
  23. raskolnikov

    Body Corp/Strata Management

    I own a duplex with another guy. We both agreed that the body corp was a waste of time/money and pissed them off.
  24. raskolnikov

    Investment property

    I have three investment properties, two depending on how you look at it. I currently live with my partner. I have my home in Victoria plus a duplex. My mortgage repayments are about $1400 a fortnight and I get about $2000 a fortnight rent so I am well and truly positively geared. You need to...
  25. raskolnikov

    Advice Appreciated

    I wouldn't say I'm sold on the place but it would be a good investment as it would be positively geared by a few hundred each fortnight so I wouldn't be in the red. But I would be mainly doing it for my mate, who to this point in time has been a very good mate.
  26. raskolnikov

    Advice Appreciated

    I have a friend who owns a small business. His business is ratshit at the moment and he is in major debt. He has an investment property which he has had for sale for a couple of years but it is just not selling at the moment. He is desperate to sell it to pay off some debt. A month ago he asked...
  27. raskolnikov

    What is your current net worth ?

    Own home in Victoria -320,000 Cash -10,000 car-10,000 household belongings -10,000 super -200,000 I also have a partner worth about ten million. Does that count?:)
  28. raskolnikov

    2 months behind in rent

    As a landlord who has a tenant who is not currently paying up may I just say, "You are an a-hole".
  29. raskolnikov

    Saving

    My mum has always told me, "Look after the pennies and the pounds will look after themselves". I find this to be so true. A couple of years ago I sat down and worked out what I had spent that week on junk. I was staggered at the amount that just went on rubbish. Cut down on coffee, takeaway...
  30. raskolnikov

    Buying a car: New or secondhand?

    See if you can get a demo model. My latest car is a demo model. It costs a lot less but still has all the perks of a new car.
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