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As I understand it from my accountant wife, it has to hit their account before 1/7

I'm a contractor so expect ill have a quiet year at some stage but I started this prepaid interest caper 5 years ago and have to keep doing it as I've had heaps of work on. Not a problem really.

Unfortunately no, its the whole signed contract offer and acceptance that has to occur.

One of the few benefits of a private banker - they remind you, but otherwise takes a fair amount of time to get the paper work sorted