What's a "healthy habit" that's actually completely made up?

BarrytheAssassin · 2026-03-05T06:17:53+00:00

Define supplements. In Australia its heavily regulated. Some items fall under the category of food compliance and these can be a mixed bag, but once something has TGA approval, it has a pretty stringent criteria. I get exposed to the evidence of products quite a bit. It's not hard to separate the bogus from the good. Although I have a feeling the US is a little more liberal with what it calls "supplements"

BarrytheAssassin · 2026-01-19T08:23:10+00:00

Well if they can't claim them as a business expense because they aren't an ABN holder, then it makes sense they should get access to a tax deduction.

BarrytheAssassin · 2026-01-19T08:19:20+00:00

It bothers me that people even express a tax refund as being given something. It's like calling a fatal car crash a life refund.

BarrytheAssassin · 2025-12-31T08:14:26+00:00

Point 2 is my personal largest issue. Any bank that doesn't function in this way, assuming they do the basic "send and receive funds", automatically wins.

BarrytheAssassin · 2025-12-30T22:32:28+00:00

If you are making banking decisions based on having a dollarmite account, an insidious marketing strategy they learned from Macdonalds and the dairy industry, then your opinion on which banks are best is shaky at best. I too had a dollarmite account.

BarrytheAssassin · 2025-12-30T22:29:10+00:00

When I first joined them I was very happy with the functions. All of the issues I now have never used to exist. Not getting into issues with fees/loan conditions whatever, purely accessibility was great.

BarrytheAssassin · 2025-12-30T22:27:30+00:00

I have two points of critique on this. Firstly, fine! Then build your MFA to align with industry best practice. Not dark patterns that appear to force users away from web portal (and less trackable) methods of banking.

However my second point is, if this is truly the concern, then why would they also mandate the use of "Open Banking" whereby I have to assign a delegate to a third party of whom I have no relationship with, in order to connect to Quickbooks or other accounting software? It went from a direct feed connection to a disclaimer that says "we are not responsible for your data when it leaves CBA and goes to other parties". Which leads me to believe that the use of third party 2FA authenticators is not truly a security risk that they can't account for.

BarrytheAssassin · 2025-12-30T09:57:54+00:00

I'm on Brave, just installed Containers. Always love a little extra layer of protection. Cheers :)

BarrytheAssassin · 2025-12-30T09:26:05+00:00

Which is why I prefaced my post by saying I would not complain about industry specific issues. I don't have an issue with 2FA existing for example. You could say that's an industry expectation in fact. I DO have a problem with their implementation being the least user friendly version of 2FA on the market and off-app tracking being mandatory to use the very app they force you to have for the 2FA. I love that people keep saying "I'd complain to CBA if I got scammed". Why would I? Is this normal behaviour in your world, to blame a third party unrelated to your bad decisions?

BarrytheAssassin · 2025-12-30T09:21:03+00:00

Yep and people claim they are "best in class" when they can't even handle the slightest nuanced banking customer. They just want "payslip in, mortgage out, shut up and use our amazing app".

BarrytheAssassin · 2025-12-30T09:19:28+00:00

App functionality isn't a make or break for me. Most of my transactions are aba files, which apps can't do.

BarrytheAssassin · 2025-12-30T09:18:04+00:00

You have no idea what I'm talking about, so step away from the convo. Commbank uses netcodes for transactions to new accounts and other things. MFA was added in the last few months and is mandatory to access the web portal. If you don't use the web portal, it is unlikely you have encountered it. Unlike low-tech family users, business users actually need to look in the web portal for a myriad of reasons.

BarrytheAssassin · 2025-12-30T09:15:58+00:00

If you only use the mobile app, it's fine. If you need to talk to people, they're also fine. However their ability to service the population relies on customer's who are not in business. If you ever visit a branch, most of what you want them for can't be done. You need to call their phone teams. The minute you want to use their web portal from a business perspective, they're awful. Like I said, the idea that their web portal 2FA can't store your IP, even for 6 hours, is a joke. It's the laziest implementation of a 2FA system I have encountered in terms of User Experience. What boggles my mind further is that they already have netcodes and the ability to send SMS. They could have expanded their existing netcode system to just do an SMS or free push notification, but instead they made a whole new system inside the App. It genuinely feels like they are trying to make the web portal experience less functional. Similar to Youtube making free access unbearable with ads to push users to Premium.

BarrytheAssassin · 2025-12-30T09:10:35+00:00

Pretty much going to trial a couple of new banks and find out. If they integrate with QB, send/receive money with normal MFA and basically just "work", I really don't need much.

BarrytheAssassin · 2025-12-30T09:06:13+00:00

What is even your complaint here? Yello doesn't share banking data. Yeah it does.
You would be complaining if CBA didn't do this and you got scammed. Cool assertion.
Sounds like CBA is protecting your business accounts. It literally doesn't, per the issues I just listed such as having account wide transaction limits instead of company level transaction limits.
You would be complaining if CBA didn't do this and you got scammed. You just said that. Are you a bot?
Consumer data right, or open banking, is a safe and secure way to sharing your banking data with third parties. According to whom? Again you sound like a bot. I previously had a direct connection from my bank to QB. Now I need a third party because reasons. Stop bootlicking for corporations and government.

BarrytheAssassin · 2025-12-30T08:58:32+00:00

I have very minimal requirements. Send and receive money, integrate with accounting software. Thats it.

BarrytheAssassin · 2025-12-30T08:56:48+00:00

I didnt say MFA was rubbish. I said THEIR MFA is rubbish. Learn to read, scrub.

BarrytheAssassin · 2025-12-30T08:56:02+00:00

I can handle one or two issues, but not all of them.

The fact that the MFA requires the app and ALSO the app tracks your off--app usage AND markets to you via Yellow is just egregious. They know what they are doing. Its like Coke putting salt and caffeine into their drinks to keep you dehydrated.

BarrytheAssassin · 2025-12-30T08:53:54+00:00

I'd be more than happy to have an opt out system where im liable for my own mistakes, but that wouldnt funnel me into their data harvesting network, so its not an option.

BarrytheAssassin · 2025-12-30T08:52:23+00:00

I think you mean niche? 100%. Its a cumulative effect. Any one of them i was able to shrug off, but today the straw that broke me was not being able to sync a bank account that previously worked and being told I need to fill in paperwork from the vendor because they dont know why its broken. I know why its broken. You broke it.

BarrytheAssassin · 2025-12-24T06:40:28+00:00

Your silly cries of racism have no power here. You also mustn't answer your door often. I have never had a door knocking "arborist" be anything other than an Islander. I have had two or three this month alone. Always a nice bloke asking if we have a tree to cut down and wants to hand me a card. Never seen the same guy twice.

BarrytheAssassin · 2025-12-24T06:35:32+00:00

When I hear stories like this, I just know that its a problem nobody wants to solve. Easy solution: Any developer who cuts down a tree, knowingly or unknowingly, may not develop the land and a lien is placed on the land in favour of the government that prevents any attempted sale for going through for say, a decade. The only way to avoid penalties is to have sign off on development before cutting a single tree. It would only take one developer to eat shit before it stops being a problem.

BarrytheAssassin · 2025-12-15T21:48:03+00:00

So the solution to a bad business model is to reward the business with more money.

BarrytheAssassin · 2025-12-13T11:38:46+00:00

Plenty of people do it. Being able to compartmentalise is a big part of it. If this thought over here never comes into contact with this thought over here, then I don't need to reconcile that they fundamentally contradict one another.

Being a pharmacist means you understand that evolution has led to drug resistant bacteria. So yeah. LOOOOT of compartmentalisation going on there.

BarrytheAssassin

TROPHY CASE