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It won't help ****, it will just be absorbed back in to government.

Mirtazapine has been used off-label for a variety of conditions including panic disorder, generalized anxiety disorder, dysthymia, tension headaches, hot flushes, post-traumatic stress disorder (PTSD), sleep disorders, substance abuse disorders, and sexual disorders, among others Sure, it's to...

Another $100m to Ukraine, ffs

Apply to VicPol, we're loosing cops left, right and centre. I believe the dropped the entrance requirements recently in an effort to get more cadets.

Budget day today, this should be fun.

It's no different to politics in any country. Neither is fit for office, but you have to pick the least **** one lol.

It should never have been taken on in the first place. It was a bullshit ploy to gain votes before an election that we're now paying for. If you had two maxed out credit cards, a $20k personal loan and some zip/after pay debt would you go and hire out a massive venue and put drinks on to make...

Moving to the Centrelink line

It takes a special skill set that Vic ALP have to spend BILLIONS to do absolutely NOTHING.

I love the ‘we’re helping families’ bullshit. Here, have extra added to rates via increased fire levies. Ooo also have some extra waste levies added. We’re committed to tackling domestic violence with our policy that only covers women and children. Also, we’re cutting back on mental health...

A good accountant will make/save you more than they cost, the battle is finding a good one.

The tax is calculated on that earnings period based as an annual income, so it may push you into the next tax bracket for the overtime income (especially if you are close to the cap on a particular bracket). It all balances out in the wash come tax time, you'll just receive it back then. Think...

The old saying, if you're paying tax you're making money. You just need to ignore everything crisp says and look at ways to minimise it.

$416 ;) Then $417 to around $1300 is 66% tax, if you go over $1300 then it's 45% on everything.

I'm counting down till my son is 18 haha

Note also, taking drugs and going to sleep is not normally the best approach lol

One less tax payer funded mouth to feed.

Investment property is the perfect situation to have an interest only loan. Maximise cash flow while gaining capital growth.

Not that I have evidence of, but I have heard similar before.

Did you seek legal council?

Yep paid by the tax payer. It makes me sick at the wasted money on self promotion. My local federal member spends hundreds of thousands in advertising and printed media of tax payer money for self promotion. If you’re doing such a fantastic job you shouldn’t need it.

Good luck with that.

Median weekly rent is higher in Australia vs NZ. $NZD660 va $NZD600

So why not park the money in an offset account to reduce the payable interest to $0 and have even quicker access to liquid?

My goal is to not have to deal with them in retirement. I want to live, not wonder if I can afford to eat a whole sausage for dinner or just half.

Each to their own but that's very much the attitude of lots of people who received their financial education from their parents. Work hard, pay your taxes, own your own home. End of education.

You’re most likely in the wrong position on the chronological timeline for high growth.

You have way more time/energy than I do for that lol.

Perfectly said. While ‘experts’ in said fields can be a great asset for the nitty gritty you definitely should have a decent broad understanding of it all.

Sooooo like I said earlier, rental income is factored into serviceability but it's more complex than just that. They look at all forms of income minus any liabilities and then (at least in Australia) add a 2.5% margin to the current variable interest rate when calculating serviceability (in...

He's learnt a hard lesson. Rents are tied to what the market value/what the market will bear not how much you need to not have to put your own money in also.

Your comment shows otherwise. If it was purely down to someone paying rent I would have double the amount of investment properties.

No you didn’t. YOU have to meet the serviceability requirements with the bank. Rental income is factored into it but it’s more complicated than that. You’ve been getting financial advice from reddit again haven’t you?

Protected people, can’t do ****. The fact someone charged with kidnapping and torture is granted bail shows how horrible the situation is in Australia and specifically Victoria.

That’s good debt, take on as much as you can service.

You need to change employers frequently if you’re chasing 10-20% increases per year. Gone are the days that loyalty is rewarded.

Maybe all the pro hamas supporters should attend a dawn service and find out, since there was a severe lack of diversity in attendance.

Ideals not compatible with Australia, deport those you can and lock up the rest. Anyone who openly supports a terrorist organisation doesn’t belong in our society. I note we’re not even ‘pro Palestinian’ any more but now ‘anti Israel’, interesting.

In the private sector there is no way it would get swept under the rug. I mean, I had to search a bit to find a ‘non far right’ news source with the info (funny how the very ‘neutral’ guardian didn’t feel it news worthy).

https://amp.abc.net.au/article/103789052 So we’re dragging CEO’s over the coals and threatening jail time for making profits, you know, what capitalistic business does but something that killed 700+ people and nothing. In private business ultimately the buck stops at the top with workplace...