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  1. J

    Income Protection Insurance is indispensable

    @foley33 Hope you’re on back on the road to health my friend
  2. J

    37 - fully offset my apartment, now what?

    @resjudicata Either way, good for OP, I mean I don’t give a shit either way but it’s just nice to have some transparency
  3. J

    37 - fully offset my apartment, now what?

    @cateye112 Yeah I’m familiar! All good, huge commitment by OP
  4. J

    37 - fully offset my apartment, now what?

    @sinaloapaisa Yeah fair enough, I mean 700k minus 20% plus stamps, minus $120k in shares, pays off $400k in 5 years which is almost OP’s full taxable salary Meh! Who cares
  5. J

    37 - fully offset my apartment, now what?

    @loo Hold up? On $125k a year your taxable income is under $100k… and buying for $700k plus stamps and chucking 20% down , say circa $500k… so every dollar of your salary was put on the home loan? Somethings not adding up here?
  6. J

    37 - fully offset my apartment, now what?

    @loo Nice one - good luck with your future journey
  7. J

    37 - fully offset my apartment, now what?

    @pilgrimschild Yeah your right! OP likely had x amount of cash prior to all this! All good, congrats to them on their journey
  8. J

    37 - fully offset my apartment, now what?

    @loo How’d you pay it off on$125k a year and only purchased 4 years ago? Say you put down 20 % and loosely left $500k as the mortgage- that’s $100k a year in 4 years… on $100k a year salary?
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