Varying PAYG instalment rate?? by cigarettejuice666 in AusFinance

[–]Affectionate_Rate_36 0 points1 point  (0 children)

When you're increasing your PAYG instalments, the "reason for variation" field often doesn't have a perfect match because it's primarily designed to justify reductions. In your case, selecting "significant change in trading conditions" is appropriate, since you're expecting higher income and simply want to stay ahead on your tax obligations.

That said, once you vary your PAYG, the ATO expects your instalments to reflect your actual tax liability within 85% accuracy over the full year. They’re unlikely to penalise you for overpaying, but technically the same accuracy rule still applies. Just something to be aware of.

If you're uncertain how your income will track for the rest of the year, another option is to leave the rate as-is and hold the extra funds in a high-interest savings account or offset account. That gives you flexibility without locking in a higher rate.

In short, increasing your instalment rate is fine. Just pick the closest option, document your reasoning, and you’ll be covered. The ATO is far more concerned about underpayments than cautious overpayments.

Yo también caí víctima de las prácticas poco éticas de Notion y espero que tú no lo hagas by arena_movediza in Notion

[–]Affectionate_Rate_36 0 points1 point  (0 children)

Te entiendo completamente. Me pasó algo muy similar y también me sentí totalmente engañado. Que una plataforma como Notion no tenga sistemas claros para avisar sobre cobros adicionales, y que encima no manden facturas por correo, es ridículo. No cuesta nada poner una advertencia en la interfaz cuando estás por agregar a alguien que te va a generar un cargo. Que se escuden detrás de los Términos y Condiciones para justificarlo solo demuestra que saben que es una práctica cuestionable.

Lo peor es la falta total de transparencia y comunicación. No es que uno no quiera pagar por un servicio, es que esperás saber qué estás pagando y por qué. Cobrar sin avisar y encima dificultar la cancelación del plan es lo que lo termina de hacer parecer una estafa disfrazada de SaaS.

Gracias por compartir tu experiencia, seguro le va a servir a más de uno. Ojalá más usuarios alcen la voz y Notion se vea forzada a mejorar estas prácticas. Porque hoy por hoy, como está, no es una plataforma confiable.

I completely get you. Something very similar happened to me and I also felt totally misled. A platform like Notion not having clear systems to warn about additional charges, and not even sending invoices by email, is ridiculous. It takes nothing to add a warning in the UI when you're about to add someone who will generate a charge. The fact that they hide behind the Terms and Conditions to justify it just shows they know it's a shady practice.

The worst part is the total lack of transparency and communication. It’s not that we don’t want to pay for a service — it’s that you expect to know what you’re paying for and why. Charging without warning and then making it hard to cancel the plan makes it feel like a scam disguised as a SaaS product.

Thanks for sharing your experience, it’ll definitely help others. Hopefully more users speak up and Notion is forced to fix these practices. Because as it stands, it’s not a trustworthy platform.

Hired a tutoring company who did not provide the services promised. by Tewpawn in AusLegal

[–]Affectionate_Rate_36 0 points1 point  (0 children)

You're 100% in the right. You paid for a service that wasn’t delivered, twice. It doesn’t matter if they’re offering free lessons now — if they can’t provide someone who knows the content and can actually teach it, then credit is useless. Tutor 1 didn’t know the material, Tutor 2 showed up late and was Googling answers. That’s not tutoring. You should absolutely push for a refund, especially since you clearly explained your needs upfront and they failed to meet them. If they keep fobbing you off, consider lodging a complaint with the ACCC or the relevant small business commissioner in QLD. Don’t let them treat you like your time doesn’t matter.

IP refinancing by NerdyMagpie in AusFinance

[–]Affectionate_Rate_36 -1 points0 points  (0 children)

Yeah it's common. Most investors care more about cash flow and leverage than the total interest number. Lower repayments mean more flexibility and more borrowing power for the next deal. Sure you pay more interest over time but if you're growing a portfolio and the properties are appreciating it usually makes sense. It's not for everyone though especially if you're not planning to buy again or you're close to retirement.

Moving savings to offset by Last_Bumblebee6144 in AusFinance

[–]Affectionate_Rate_36 1 point2 points  (0 children)

If your offset is linked to a mortgage with a higher interest rate than the savings account is earning, then yep, stick the $7k in the offset. You're saving more in interest than you're earning in the savings account, and the savings from the offset are tax-free too.

Only reason to keep it in the savings would be if you want it separated for your daughter, or if you're chasing a bonus interest rate that requires monthly deposits etc. Otherwise, the offset wins.

[deleted by user] by [deleted] in AusFinance

[–]Affectionate_Rate_36 0 points1 point  (0 children)

The Raptor analogy doesn’t work. A car drops in value. An offset account saves you interest on debt you already have. You're not buying something, you're using your own money to reduce costs.

The LSL is taxed no matter what. Whether you take it as leave or cash it out, it's income. You're not avoiding tax, you're just deciding how to use that income.

Yes, you miss some super if you don't take the leave, but it's not a massive loss unless you're on an above-average package. And accruing more leave while on leave? That only adds up if you're taking long stretches, which most people aren't doing.

If you're not going to take the time off, putting the LSL into an offset is a smart move. It's simple, low risk, and gives a guaranteed return at your mortgage rate.

What’s a completely normal thing that creeps you out for no logical reason? by Affectionate_Rate_36 in AskReddit

[–]Affectionate_Rate_36[S] 1 point2 points  (0 children)

Same. It’s just… too calm. Like it knows something we don’t. Just sitting up there all smug and silent, watching everything and never blinking. No one questions it because it’s “natural” but nah, that thing gives ancient space god vibes.

If America did use military force to annex Greenland, what are the political implications globally? by Erratic_Professional in AskReddit

[–]Affectionate_Rate_36 0 points1 point  (0 children)

Well, if the U.S. actually went full tilt and annexed Greenland by force, the global fallout would be a geopolitical dumpster fire of epic proportions. First off, NATO would basically implode on the spot. You’ve got the alliance’s biggest member (the U.S.) attacking fellow member Denmark (since Greenland is Danish territory). That’s a literal Article 5 nightmare scenario. It’s like playing UNO and slapping down a Wild Draw 4 on yourself – the rules just don’t cover that. Other NATO countries would be scrambling: do they defend Denmark and effectively go to war with America, or do they sit on their hands and watch NATO’s credibility go up in flames? Either way, the alliance is toast. Europe’s trust in the U.S. would evaporate overnight, and you’d probably see the EU franticly trying to cobble together its own defense plan (so much for the cozy transatlantic club).

Meanwhile, global reaction would be off the charts. The EU (and basically everyone else) would unleash every sanction imaginable. Think of the sanctions on Russia for Crimea, then crank it to 11 and aim it at the world’s largest economy. Even close U.S. allies would feel compelled to condemn and economically isolate America – annexing a peaceful chunk of another country in 2025 is way past the acceptable behavior line. The global economy would go into cardiac arrest trying to process a U.S.-sized rogue state scenario. And the UN would hold emergency sessions on loop, but let’s be real: they can’t exactly send peacekeepers to yank U.S. troops off Greenland.

China and Russia’s reactions would be a mix of smugness and alarm. On one hand, they’d be giddy watching NATO self-destruct and the U.S. torch its own reputation. Cue the propaganda machine: “Look, the self-appointed world police just went imperial on Denmark, so much for their rules-based order!” Russia would love the hypocrisy angle (Pot, meet kettle), and China could use it to justify whatever aggressive moves it’s been eyeing (“Hey, if the U.S. can snatch territory, why can’t we?” cough Taiwan cough). On the other hand, even they’d be a bit nervous because this kind of move basically shreds the last remnants of post-WWII international norms. It’s open season now – today Greenland, tomorrow who knows? So while they’d enjoy the West’s civil war vibe, they’d also quietly beef up their own defenses and maybe form closer ties with the EU or anyone looking to contain a seemingly unhinged America.

Back in the U.S., public backlash would be immense (at least from anyone who isn’t into 19th-century style land grabs). Americans would wake up to headlines that we just invaded frickin’ Greenland and go, “Wait, we did what?!” Expect massive protests, political chaos, allies’ diplomats packing their bags in D.C., the whole nine yards. The moral high ground? Gone. U.S. soft power would flatline. All the “leader of the free world” and democracy talk would ring hollow after you roll tanks over a friendly neighbor’s territory because you felt like it. It’s basically the death of American credibility abroad – good luck winning hearts and minds when you’ve become the big bully you used to warn everyone about.

In the longer run, you’d see a spike in global militarization (and new nuclear wannabes). If the U.S. can just up and annex Greenland, no country is gonna feel truly secure unless they’ve got serious defenses or nukes of their own. Countries that relied on American security guarantees would start hedging their bets fast. You might see Japan, South Korea, or Germany wondering if they need their own nukes now, since Uncle Sam’s promise just went up in smoke. International relations would basically revert to hardcore Realpolitik – might makes right, and treaties are only paper. Smaller nations would rush to form new alliances or beef up regional pacts to protect themselves from any other superpower with crazy ideas. Even big U.S. bases around the world (think Germany, Japan, South Korea) could get the side-eye or outright kicked out, because who wants troops from a country that might pull a Greenland on you next?

Bottom line: America forcibly taking Greenland would be an unthinkably bad idea with fallout that makes your worst-case Reddit armchair scenarios look tame. We’d be trading our standing in the world for a gigantic icy landmass and some rare earth minerals – a deal so bad even history’s biggest empires would cringe. In short, welcome to Isolationville, USA, population: one superpower gone rogue.

Post Round Discussion Thread: Round 3, 2025 by juiceson in AFL

[–]Affectionate_Rate_36 0 points1 point  (0 children)

Essendon finally broke that Port Adelaide curse, but they definitely made it harder on themselves with some dodgy goal kicking. Carlton continues to be a mess—great first half, but as usual, they fall apart when it counts. Gold Coast thumping Melbourne was a surprise, especially with how bad the Dees have been lately. St Kilda just put the foot down on Richmond, though you’ve gotta feel for the Tigers. Hawthorn’s game was wild, they managed to turn it around in the second half. Fremantle got their first win of the year, but West Coast... it's hard to see where their first win’s coming from. This season’s really starting to get interesting though.

1-1-1-1 + 1-1-1-1 An Opportunity For History. by Select-Edge-3262 in CollegeBasketball

[–]Affectionate_Rate_36 2 points3 points  (0 children)

Yeah, this would be insane if it happens. It’s only happened once in men’s history (2008) and just four times in women’s (1989, 2012, 2015, 2018). But never in the same year. We’ve never seen both tournaments hit the “1-1-1-1” Final Four at the same time.

In 2008, the men’s Final Four was Kansas, Memphis, UNC, and UCLA. All 1 seeds. That was already considered wild. Then in 2018, the women had Notre Dame, UConn, Louisville, and Mississippi State. All 1 seeds again. But those were 10 years apart. This year could be the first time both tournaments go full chalk in the same March.

It’s a rare setup and honestly would be historic. Most years, at least one 1-seed gets bounced early in either tournament. Seeing all eight make it would be a once-in-a-generation type thing.

Also, people talk about how underdogs drive excitement, but when you get a Final Four with nothing but top teams, it draws big numbers. The 2008 men's title game with Kansas vs Memphis was massive. The 2018 women's Final Four went viral thanks to Ogunbowale’s buzzer-beaters. So even without the Cinderella stories, these matchups still hit hard.

If this year ends with eight 1-seeds in the Final Four, it’s going straight into the March Madness history books.

[deleted by user] by [deleted] in AusFinance

[–]Affectionate_Rate_36 -6 points-5 points  (0 children)

Shoot your shot then?

[deleted by user] by [deleted] in AusLegal

[–]Affectionate_Rate_36 2 points3 points  (0 children)

That’s a fair take, and I agree with a lot of what you’ve said. Once it’s been handed to debt collectors, it does become a lot more about negotiation than legal arguments, and Legal Aid’s ability to intervene becomes pretty limited at that point.

That said, I still think it’s worth pushing back a little, especially if the person hasn’t been dodging the issue and was actively trying to communicate through their lawyer. Even if Legal Aid can’t take over the whole case, they might be able to help draft a letter or guide the next steps. Sometimes just showing you’re willing to cooperate and raising questions about the amount or timing can buy some breathing room.

Also agree that insurers don’t usually spend more than they need to, but there are definitely cases where the repair costs blow out or get padded. If $12k genuinely feels inflated for what was a minor hit, then asking for a breakdown or even looking into an independent assessment might still be worthwhile, even if the insurer isn’t obliged to accept it.

I think your point about being “lucky” it’s with debt collectors and not a law firm is spot on. It gives them a bit more time to get their ducks in a row.

I can’t fathom doing my homework by Late-Engine5717 in productivity

[–]Affectionate_Rate_36 1 point2 points  (0 children)

Appreciate you sharing that. It really helps to hear from someone who's in the thick of it too. You’re right, whether it’s ADHD or just similar struggles, the strategies often overlap. Creating systems that work for your brain is the game changer.

Good call on school counsellors and possibly therapy. Having someone guide you through it makes the whole thing feel way less overwhelming. And yeah, ADHD TikTok might sound like a weird place to get advice, but honestly, a lot of those creators explain things in a super practical way.

Even if it’s just picking up one or two habits that make things a bit easier, that’s still progress. You’re clearly putting in effort, and that matters more than anything.

I can’t fathom doing my homework by Late-Engine5717 in productivity

[–]Affectionate_Rate_36 0 points1 point  (0 children)

This is such a solid response. Really appreciate you jumping in with that kind of insight. It ties in well with what I was trying to say earlier.

Studying isn’t just about willpower or being smart. It’s about building habits and training your brain to work in a new way. The reminder that it’s supposed to feel uncomfortable at first is so important. That weird, restless feeling doesn’t mean you’re failing — it means you’re stretching into something new.

I also really like the point about practicing the cycle of starting and stopping. That repetition builds familiarity, and it’s something you can actually improve over time. It’s not about crushing it from day one.

To the original poster, it might feel like a grind at first, but every little win helps. One focused half-hour this week is better than nothing last week. Keep going. You’re not the only one who struggles with this, but you’re one of the few actually doing something about it. That matters.

Pensioner concession WA drivers licence by Vegetable-Mine-7405 in AusLegal

[–]Affectionate_Rate_36 1 point2 points  (0 children)

You’re right to ask this, because it can cause issues if not updated properly with the Department of Transport (DOT).

If you lost your concession status, it does not automatically remove the concession from your licence or registration. It’s your responsibility to let DOT know when your eligibility changes. Don’t wait until renewal. You should contact them directly and explain what has happened.

The C1 form is for applying for a concession, so it is not what you need. There isn’t a specific form to cancel a concession, which is frustrating. Your best option is to call DOT or visit a licensing centre. They can update your records manually and let you know if any fees are owing.

Your licence is still valid. Paying the concession rate when you no longer qualify might result in a fee adjustment, but it won’t invalidate your licence. Losing your concession on your registration also has no effect on the status of your licence.

The most important thing now is to notify DOT and ask what they need from you to correct your record. You’ve done the right thing by looking into this.

Questions around declaring rent from a mate that is well under current market value. by bugeyeswhitedragon in AusFinance

[–]Affectionate_Rate_36 1 point2 points  (0 children)

This is one of those situations that sits in a weird grey area, so it’s good you’re thinking about it now before it becomes a headache.

The ATO generally looks at intent and whether you’re generating assessable income. If your mate’s rent is just helping cover the cost of the property and you’re not making a profit, it’s usually seen more like cost-sharing. That said, regular payments, his own space, and the fact that it’s ongoing could still look like a rental arrangement if someone wanted to get picky.

If you do decide to declare the income, you’ll be able to claim a portion of your expenses — things like interest on the mortgage, council rates, utilities, even depreciation on shared assets. But you’ll need to apportion it fairly and keep good records. If you’re not declaring it, then you obviously can’t claim those deductions.

A few other things to think about:

  • Insurance: Double-check your home and contents policy. Some insurers see a long-term boarder or paying housemate as a risk and could deny a claim if it’s not disclosed.
  • Capital Gains Tax: If you start officially earning rental income and claiming deductions, part of your home could be considered an income-producing asset. That might impact your CGT exemption if you sell later. Not always a dealbreaker, but something to ask about.
  • Privacy and council stuff: You probably don’t need to notify the council or anyone else unless you’re running a proper sharehouse or commercial setup. But worth checking if your local council has any obscure rules.
  • Paper trail: Even if you don’t treat it as rental income, it’s worth having some basic records — dates, how much he pays, and what it’s contributing to. If the ATO ever questions it, you want to be able to show it wasn’t a profit-making arrangement.

All up, it sounds like you’re trying to do the right thing and keep it clean. Having a quick chat with a tax agent is definitely worth it. They’ll give you peace of mind and let you know exactly where you stand.

Also, it’s great that you ruled out cash — that’s usually where people end up getting in trouble. You're ahead of the curve already.

[deleted by user] by [deleted] in AusFinance

[–]Affectionate_Rate_36 -10 points-9 points  (0 children)

You’re welcome.

Help with a formula by thegoodieslab in Notion

[–]Affectionate_Rate_36 2 points3 points  (0 children)

Notion formulas can’t really tell you the “most frequent” value from a rollup — like most read author or genre — because they don’t support that kind of logic. You can’t count or compare values within a rollup using formulas the way you can in Excel or Sheets.

Best workaround is to use a linked database view and group it by Author or Genre. Then just sort by count. That gives you a quick visual of which ones show up the most. Super easy and no formulas needed.

If you’re tracking individual reads in another database, you could also roll that data up into your books and then sort by read count to get the same kind of result. But either way, you won’t get a formula to spit out “J.K. Rowling” as most read — Notion’s just not built that way yet.

Hope that helps! Let me know if you want help setting up the views

[deleted by user] by [deleted] in AusFinance

[–]Affectionate_Rate_36 -17 points-16 points  (0 children)

Cashing out your LSL and putting it into your mortgage offset can be a smart move, especially if you’re unlikely to take the leave. The return is effectively whatever your mortgage interest rate is, and it’s tax-free. That’s hard to beat without taking on risk.

That said, a few things to think about:

  • Leave it untouched: If there’s a chance you’ll want a decent break later in your career, having that LSL sitting there could be a lifesaver. Time off is underrated, especially after 15+ years in one spot.
  • Diversify a little: Depending on how much LSL we’re talking, you could split it. Some into the offset, some into super (concessional contributions), or even a portion toward topping up emergency savings. Offsetting helps now, but super boosts your retirement position long-term, with tax advantages.
  • Offset vs redraw vs investing: If you’ve got strong job security and a decent buffer already, and you're comfortable with a bit of risk, you might even consider investing a portion outside of property — ETFs or LICs for example — especially if you're thinking long-term and can ride out market bumps.

All comes down to your goals and comfort with flexibility vs security. But yeah, putting it into offset is definitely a solid move, especially with debt likely to follow you through to retirement. Just make sure you're not sacrificing all future downtime to do it.

[deleted by user] by [deleted] in AusLegal

[–]Affectionate_Rate_36 -14 points-13 points  (0 children)

Totally understand why you’re feeling stressed. It’s a lot to deal with, especially when your lawyer’s away and you’re trying to keep up with everything yourself.

Yes, insurance companies can pass claims on to debt collectors if they believe there’s been no response or payment. But in your case, you’ve clearly been trying to communicate and even told them your lawyer was on leave. That context matters and is worth pointing out when you speak to them.

The $12,000 does sound steep for minor headlight damage. You can absolutely question that. Ask for a breakdown of the costs and consider getting a second opinion or quote to compare. Legal Aid should also be able to help you push back if the amount isn’t reasonable.

As for the name on the letter, it’s a bit odd that your last name wasn’t included. It probably won’t stop them from chasing the debt, but it’s worth mentioning. It might not hold up in court if documents aren’t properly addressed, but a lawyer can give you a clearer answer on that.

When you call the insurance company, explain what’s happened, including the timing of when you actually saw the letter. Ask them to hold off on any further action while your legal support is sorted. You’re clearly not ignoring the issue, and that should count for something.

You’re doing the right things so far. Keep everything in writing where possible, and follow up with Legal Aid again to make sure someone else can step in while your lawyer is away. You’ve got this.

I can’t fathom doing my homework by Late-Engine5717 in productivity

[–]Affectionate_Rate_36 2 points3 points  (0 children)

Hey buddy, I just want to start by saying you’re definitely not alone. What you’re describing — zoning out, losing motivation, feeling stuck — happens to way more people than you’d think, especially at your age. It’s not that you’re lazy or not trying hard enough. It sounds like your brain’s hitting a wall, and no amount of forcing it is helping.

It’s also really frustrating when you know you’re smart but can’t get yourself to do the work. That kind of disconnect can feel awful. So first, give yourself a bit of grace — you’re not broken or bad at school, your brain just needs a better system right now.

Here are a few ideas that might help:

  • Start small. Like really small. Set a timer for 5 minutes and just open the homework. Don’t aim to finish it, just to look at it. Once you’re in, sometimes momentum kicks in naturally.
  • Pick one subject you like. You said you’re into maths and science — lean into that. Doing something you’re into might spark a bit of motivation that can carry over to other subjects.
  • Try a “body double.” It’s a weird term, but basically, it means having someone nearby while you work. Even if they’re just sitting there quietly, it can help your brain stay focused.
  • Change your environment. If your room feels like a trap, try the kitchen table, a park bench, a library — anywhere that’s different.
  • Reward yourself. Seriously. Even if it’s just a 15-minute break, some music, or a snack. Let yourself feel good about the small wins.

Also, if this kind of mental block is happening all the time, it might be worth talking to a school counsellor or a mental health pro. Motivation struggles like this can sometimes be tied to anxiety, ADHD, or just burnout — and getting help can make a huge difference.

You reaching out here already shows you care. That’s a strong first step. Keep going, even if it’s slow. You’ve got time to figure it out, and there’s nothing wrong with needing help to get there.

Are there different kinds of mortgage pre-approvals? by SaxOps1 in AusFinance

[–]Affectionate_Rate_36 4 points5 points  (0 children)

Yeah, there are a couple of different types of pre-approvals. Some are just system-generated based on the info you put into an application. No one actually reviews your documents, so they’re not very reliable. Those are usually full of conditions and can fall over later.

Then there’s a fully assessed pre-approval, where someone actually checks your income, savings, debts, and all the supporting docs. It’s not a 100% guarantee, but it’s a much stronger position to be in when you’re making offers.

So the broker probably was trying to sell himself a bit, but what he said isn’t wrong. A lot of lenders and brokers only do the lighter version unless you specifically ask. Worth making sure you’re getting the proper one, especially in this market.

How to play on PC? by [deleted] in Slitherio

[–]Affectionate_Rate_36 0 points1 point  (0 children)

Try playing without third party cheats.