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For fully franked divis: Gross divi = (net divi x 3/7) + net divi So from eg above, net divi = $7 10 = (7 x 3/7) + 7

RH it's just a tax credit, so tax paid by the company passed on to you. ie. You receive a $7 dividend fully franked. You actually are receiving a $10 dividend, it's just that $3 of tax has already been paid. Therefore, if you are on a 30% tax rate, no more tax need be paid. $10 x 30% = $3

IV are you saying that at some time during every month, make a contribution when the market seems down. No mention of selling here... How long is this monthly contribution strategy to run for? Or does it not necessarily have to cease?

Will we crack 4000 points? It is looking more and more like it. I think we could get to 3500.