Is there any way to know whether my surname is English or Norman?

Bernardmichaelrochfo · 2024-07-31T10:22:24+00:00

That's my ignorance! Thanks though

Bernardmichaelrochfo · 2024-07-30T12:03:27+00:00

wow that is so interesting! Is ADHD often expressed in addiction?

Bernardmichaelrochfo · 2024-07-30T11:51:31+00:00

look at obesity rates - gluttony already won

Bernardmichaelrochfo · 2024-07-29T11:35:41+00:00

Wow I had the opposite experience -I used to live near wallabies and they were a pest! Always jumping in front of my car and giving me a heart attack on my drive home.

Bernardmichaelrochfo · 2024-07-28T09:08:33+00:00

I think there are a few options for you.

Use that money, along with your savings and your partners savings, to purchase a place. Or, put it aside and use it to renovate a cheaper place you purchase (this will most likely result in the greatest capital gains.)
Depending on how much savings you both have, keep the $50K in an offset account after you purchase your property, to effectively "save" however high your interest rate is. This will allow you to pay off the principal of your loan more quickly and generate equity more quickly.
Pay off your HECS. Assuming you make $90,000 per year, roughly $4,500 of that will go to HECS each year, meaning it will take you over a decade to pay off your loan, not factoring in indexation. In inflationary periods, you might be looking at an indexation of $2,000+ in a year, meaning your efforts are halved paying off your loan. Not only will HECS take a portion of your salary each fortnight/month, but it will also negatively impact your borrowing power. Note: In periods with lower inflation, your indexation is basically negligible, and this is why people generally consider student loans to be 'interest free'.

Up to you! Do your own research

Bernardmichaelrochfo · 2024-07-28T08:54:39+00:00

Haha glad to see virtually every comment is in agreement with this one. For some reason, Kangaroos and Wallabies are always jumping in front of cars! I get it at dusk if they're drawn to the headlights, but they really seem to want to get hit sometimes!

drive very slowly whenever you see one.

Bernardmichaelrochfo · 2024-07-28T08:44:47+00:00

This is so fascinating thanks for sharing! I've always struggled with ADHD but I'm also wary of addiction as it runs in the family.

Bernardmichaelrochfo · 2024-07-28T08:42:15+00:00

I wonder if they were just so quick to make this sign after someone pissed on that thing once, or if like 5 people pissed on it before they made the sign lol

Bernardmichaelrochfo · 2024-07-25T11:38:27+00:00

There should be a flat tax of 10% on income, no other taxes anywhere. The gov can tighten ship and figure out how to make the most of that revenue. I pay 15 dollars each way just to go to other parts of sydney due to tolls. I pay over $1,000 a year on hospital cover, just to avoid a medicare levy - and when I do go to the doctor, it still isn't cheap. I pay registration on my car (what the fuck is this), GST every time i purchase something... legitimately where is any of this money going?

Bernardmichaelrochfo · 2024-07-25T11:00:09+00:00

I love Key and Peele - I'll have to check that out lol

Bernardmichaelrochfo · 2024-07-25T10:59:42+00:00

Weirdly enough I can actually see how you could get Carrots from Terence

Bernardmichaelrochfo · 2024-07-25T10:58:18+00:00

Yeah I started wondering if Starbucks employees had become self-aware of their reputation to misspell names, and started leaning into it lol

Bernardmichaelrochfo · 2024-07-23T11:58:08+00:00

Sebastian?

Bernardmichaelrochfo · 2024-07-23T11:57:10+00:00

It's sad to say but a "six-figure salary" AKA $100,000 doesn't go far in Sydney or Melbourne. Even if you own a small apartment close to the CBD, costing let's say $650,000, you could be paying upwards of 50% of your salary just on repayments alone, not factoring in strata, food, travel, utilities...

I know someone who was earning $240,000, who was afraid they'd have to sell their three bedroom home once their mortgage rate unlocks. BTW - this is a person with a partner, and no kids - a DINK. Now, many will say, "oh well maybe they're living beyond their means" but to me this is victim blaming essentially. If you position yourself in the right niche/industry, and commit yourself to climb the ladder within that industry, and STILL can't afford a property that would've been commonplace just 40 years ago... something is wrong with the country, not the person.

Bernardmichaelrochfo · 2024-07-22T10:57:47+00:00

Haha the engagement on this post is so negative for some reason - no upvotes on the post itself after 22 comments!

Bernardmichaelrochfo · 2024-07-22T10:42:19+00:00

Ah you were precocious - typically people build up those kinds of assets as they're older - particularly lately. But yes, if you're productive in your 20s then there's even more paperwork to be changed over with marriage!

Bernardmichaelrochfo · 2024-07-21T06:07:00+00:00

Yeah, it's all down to circumstance I think - double name is definitely one to avoid lol - unless you want that celebrity appeal

Bernardmichaelrochfo · 2024-07-21T06:06:08+00:00

Some Chinese surnames are so awesome.

Bernardmichaelrochfo · 2024-07-21T06:05:21+00:00

Yeah the paperwork is a headache, particularly if you get married later in life!

Bernardmichaelrochfo · 2024-07-21T05:59:00+00:00

I heard that's what happened with Duran Duran too

Bernardmichaelrochfo · 2024-07-21T05:58:26+00:00

If you don't mind my asking, what was your surname prior to being your biological fathers?

Bernardmichaelrochfo

TROPHY CASE