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@inhisarms17 What do you do for work? When I went in 2016 I took 10k with me and needed every dollar of it, but I also got a decent job and came home with 80k after 2 years.

@petergntm Go for a long holiday then, a year isn’t long enough

@petergntm How old are you both? Where are you hoping to settle?

@petergntm I don’t think the savings are enough to warrant a financial advisor/huge amount of thought. Do whatever you are going to be most comfortable. For me I wouldn’t want to be paying floating rates. I would also want access to my funds. Personally id put it in either a notice saver or...

@in_jesus_i_trust Don’t get me wrong, I’d love to see the banks pass on the full 30bps (and they should) just don’t think the 1 year would see more than a token 5/10bps max, they are more likely to pass on more on the longer dated terms

@kendrac Longer term fixed rates for anyone thinking 12 month rates will drop

@cdlara381 Are they interested in your property? Afaik they don’t just buy any property

@robbentley Step 5 should be last here (if at all)

@abelievingman Yeah and they’ll all swear black and blue that the bank etc should have stopped them.

@lukeplyr83 You can just boil it down to greed at the end of the day. No one hand on heart thinks a 60% return in 3 months is legit. The issue is scams where the rate of return is slightly higher than market. That’s the sweet spot for scammers.