buzzer94

I have 2 investment properties, one in Brisbane and the other Perth, both are worth around 880k currently each and they are both completely offset. ( They are both on interest only loans which i have completely offset).

Brisbane the loan is 240k- property valued 880k

Perth loan is 265k - property valued also 880k

At this point because they are completely offset and have been for a while now im thinking of selling the Perth property paying the CGT and putting the money in the etf BGBL as I think this would actually give me a better return thats only because my property isn't leveraged at all, property will perform better if its leveraged, so at this stage i either use the funds and get ano

I have 2 investment properties, one in Brisbane and the other Perth, both are worth around 880k currently each and they are both completely offset. ( They are both on interest only loans which i have completely offset).

Brisbane the loan is 240k- property valued 880k

Perth loan is 265k - property valued also 880k

At this point because they are completely offset and have been for a while now im thinking of selling the Perth property paying the CGT and putting the money in the etf BGBL as I think this would actually give me a better return thats only because my property isn't leveraged at all, property will perform better if its leveraged, so at this stage i either use the funds and get ano

I want to get opinions on what to do from this stage, what would be the best thing/ most strategic thing to do. Im aware im in a good financial position but still want to put this out there to see if anyone has any advice or opinions.

Im 31 for context. My 2 investment propertys are currently worth 1.75 million and give me 46,800k per year after all expenses currently

I earn 116,000 from my job currently.

The 205,000k is in bgbl

The 120,000k is in hostplus super 100% International index.

My 130,000 is in a high instrest rate savings account. With that im DCA 15k a month in bgbl and will put more in if there are dips crashes etc.

My current savings are 5,500 a month that I will also put

I want to get opinions on what to do from this stage, what would be the best thing/ most strategic thing to do. Im aware im in a good financial position but still want to put this out there to see if anyone has any advice or opinions.

Im 31 for context. My 2 investment propertys are currently worth 1.75 million and give me 46,800k per year after all expenses currently

I earn 116,000 from my job currently.

The 205,000k is in bgbl

The 120,000k is in hostplus super 100% International index.

My 130,000 is in a high instrest rate savings account. With that im DCA 15k a month in bgbl and will put more in if there are dips crashes etc.

My current savings are 5,500 a month that I will also p

Just curious for those that have been off porn for months and months or even a year or years. What tips or strategies do you have? Does it continue to get easier over time?

I decided to quit after learning the negative consequences associated with watching it..

Few questions on no fap.

- so no fap is no jerking off, but would use still have sex ? Or would that ruin the no fap strike?

- another question I understand the no porn because its very bad to watch with lots of bad effects so why not just give that up why is there no fapping? Or does no fapping just mean no porn?

Currently im quitting porn im over 2 months in, but I dont understand why people would quit just fapping in general??

Thanks

Im curious about investing in Ai. I read up about GXAI it seems to be one of the main ai etfs.

What are you4 thoughts on investing in something like this? Ai is becoming part of our lifes now and it will be more involved in our everyday lifes in the future more and more.

Im already invested in bgbl which does have some ai/tech stocks. But im thinking if a pure ai etf is a good choice? If so how much total of someone's percentage net worth should go in it?

I want to change supers, im currently with Australian retirement trust and want to change to host plus.

With art im with 80% international indexed and 20% aussie indexed and i want to change over to hostplus 100% index, reason being as hostplus mimics vgs/bgbl and art 10% of their international is emerging markets in dont want that.

Anyways my question is does it matter regarding the timing of when I initiate the swap? Right now everything is at an all time high, so would now be a good time to initiate the swap? Or should I want for the market to stabilise?

Just asking because I know when I initiate the swap its not automatic so I may sell at this ath price and it buys in at a lower pr

I want to protect my phone when i run, i dont want to damage my phone while running because sometimes i wet my self with water because of the heat and also i sweat alot so if i have my phone in my pocket or running belt the sweat would get to it and so would the water if i wet my self. How can i protect my phone? I dont want to risk damaging it..

A water proof running belt ? Any other ideas? Would a zip lock bag work i just put my phone in that? Or any waterproof running belt suggests?

Im thinking of buying the samsung galaxy s25 ultra. I did hold it in the shop it seemed okay but holding it for a few seconds is very different to using it all day in different situations, plus i couldent actually try it out.

Just wondering do people find the ultra comfortable or is it generally uncomfortable to use? I train and run frequently, i normally put my current phone which is a s22in my running belt and its fine, im wondering if the ultra would be too big. Sometimes i run while holding the phone in one hand. I like to msg with one hand etc.

Can you msg with one hand? Would it fit most jeans? And i am going to buy a case for it too which will add more bulk.

Thoughts?

Hey the last few runs ive development pain thats around my right ham string the area of the pain isnt at thw back of my hamstring but more so towards the right and its a little bit deep it doesnt feel surface level, and at times this pain runs down to my right calf.

I development developed this pain from running, ive been pushing through it here and there because somtimes its not that bad and other times while im running it gets pretty bad.

So at this stage i want to take it super easy till this pain going away, has anyone experienced pain like this before ? How did you get rid of it?

Besides taking it easy, is there certain exercises or anything i can do to strengthen the area up ?

So i have decided i want to buy a arm band instead of a chest monitor.

I want to decide between the polar Verity Sense and the coros arm band.

Is one better then the other in terms of being more accurate with picking up your heart rate?

Im here looking for recommendations, i will be using the arm band for running and boxing workouts. I have a garmin 965 that i will pair the arm band with.

Which is more recommend? Maybe some people here have has experience with both brands and can share some insights?

Thanks.