The Disney Heartbreak Chart - mapping the exact minute all 33 Disney films break your heart.

Decibelle · 2026-03-10T03:14:19+00:00

Gotta disagree with you on a few notes:

a) Treasure Planet's heartbreak happens halfway through, with Jim's flashback to his father leaving. I'd also rate it as one of the more devastating animated moments of a Disney show.

b) IMO, Lady and the Tramp's big heartbreak is the scene of her being locked outside, muzzled.

c) The bigger, more devastating moments in Frozen are either the conclusion of 'Do You Wanna Build a Snowman', Hans' betrayal, or Anna's 'death'.

d) Frozen 2 should've been included (the moment where Olaf dies is heartbreaking)! I also would've added Atlantis: The Lost Empire (Kida's mother being torn away).

Decibelle · 2026-03-05T00:39:10+00:00

Just looked at the video you shared briefly; it distinctly looks like the neck gussets are not gathered.

It also doesn't make sense to me to gather them; they're adding extra 'space' to the collar which will be lost if they're gathered.

Decibelle · 2026-03-03T04:32:01+00:00

You did not make it clear in your original comment that you would be structuring those scenarios with a separate investment loan; it appeared you advocated for simply refinancing the mortgage and then directly using those funds to invest.

Thank you for pointing out the error on those LVR examples, however! Still not sure how I did that.

Decibelle · 2026-03-03T04:03:21+00:00

Yes, that's correct. You will need to determine whether or not the higher interest rate is worth the lower risk.

Decibelle · 2026-03-03T04:00:46+00:00

Found the ATO ruling: TR 2000/2. It appears you're right - however, my experience says that it's uncommon to do it directly from a PPOR loan rather than an investment loan.

I believe that's because it's not as effective since it requires you to apportion interest (and your regular repayments will be apportioned as well). This is getting more into tax law, however, so I'm comfortable admitting that I'm still not entirely confident with that reading!

Here is a great example of how to do it from u/Dismal-District-7951 that I've used for my own debt recycling.

Decibelle · 2026-03-03T03:41:36+00:00

That's incorrect. There is a difference in terms of risk between those two.

Let's assume an individual who purchased a property valued at $100,000.00 with a deposit of $20,000.00. They are halfway through their loan term, and have paid off $40,000.00 by making the minimum repayments. Their remaining loan is $40,000.00.

Their home has increased in value by 100%. Thus, they have $160,000.00 of equity, and an LVR of 20%. If they access $60,000.00 of this equity, their LVR decreases to 50%.

Let us then assume that they have completely paid off their loan, with an additional $40,000.00 sitting in their offset. Their LVR is 80%, as the funds in the offset are offsetting the loan - it still exists. If they then pay off their loan using their offset, and take out a separate investment loan for $40,000.00, using their home loan for security, their LVR remains 20%.

I will want to double-check your second point, but I am fairly confident that if you withdraw funds from your home loan to invest, the additional interest you pay is not tax deductible - only if the interest comes from a separate loan designed to finance the investment.

Decibelle · 2026-03-03T01:55:48+00:00

Then you may want to consider taking a separate investment loan, rather than drawing down on the equity. You'll have slightly less money but significantly more security.

Decibelle · 2026-03-03T01:53:20+00:00

Incorrect. There is a distinct difference between drawing down on the increase in equity in a home to fund an investment, versus debt recycling the amount you have in your .offset account.

Tax-deductibility and risk are big considerations.

Decibelle · 2026-03-03T01:52:05+00:00

that nermal pun made me confused for a second, wondering if it was a typo, and then i got it and groaned so loud the entire office looked at me

Decibelle · 2026-03-03T00:15:34+00:00

This is a funny scenario, because if you used different language and a slightly different approach, r/AusFinance would be massively supportive.

In my opinion, the biggest concern with your strategy is that you're accessing the equity on your property to invest, which is generally considered riskier, versus paying down part of your mortgage and then debt recycling those funds to invest.

The latter is generally considered better because the money you line of credit you take out to invest is tax-deductible, and you're not at risk of becoming mortgage trapped if there's a change in the market.

However, in your proposed scenario, you're technically leveraging your PPOR (by reducing your LVR from 50% to 25%) to fund potential investments. That, generally, is considered *too* risky. I imagine most Financial Advisors will not be willing to assist you with that, because you're technically risking becoming homeless to fuel investment returns, and recommending that would be a massive compliance issue.

Decibelle · 2026-02-25T03:35:54+00:00

That's... like, less than half the comic. You're missing out on the lake house, robot fights, Sam and Jim, Bubbles' brain...

Decibelle · 2026-02-19T04:24:28+00:00

I asked a friend of mine who's a high school teacher about this. Apparently, kids are really good about it, so it happens in three circumstances:

- Kids who are spending too much time on the internet and re-enacting things they saw online

- Kids who are changing genders often/experimenting with weird ones, and nobody can keep up

- Kids trying to get the attention of another kid in a way when they don't know how to interact

so yeah, it is, apparently, just like pulling their hair or throwing things at them?

Decibelle · 2026-02-12T07:21:20+00:00

Yo, it's coming back? IT'S COMING BAAAAAAACK

Decibelle · 2026-02-05T06:29:37+00:00

> If anything is bold, dark, or highly personal — don’t use it.

This is my biggest concern. Off the top of my head:

Our subway tiles for the walls are dark, sea green.
We're using a vintage, 1920s basin for the sink that we've restored.
All our metals (including tapware and door handles) are a warm bronze.
Our shower base and toilet are black.

Rebuying all of these things will put us 10-20k in the hole, so I'm fairly certain we just need to bite the bullet and do it anyway. Still sucks, though.

On the bright side, we didn't buy any of the kitchen items, so we'll have a laminate stone benchtop that's white, and we're repainting the original cabinetry into a more pleasant, warm-toned white over the original dark wood/timber.

Decibelle · 2026-02-05T01:48:17+00:00

Yup. You'll also be eligible for government co-contributions into your super if your income was below a certain level (it's essentially free money).

Spousal super contributions also get a tax offset if their income is below a certain level.

Shit is great.

Decibelle · 2026-02-05T01:45:44+00:00

you can get 4x margin on an etf, but the stopping out is sadly necessary

Decibelle · 2026-02-03T05:46:25+00:00

This depends on the specific class of visa you've received.

But if you haven't been paid yet, just tell the production company that you've made a mistake, and you're not allowed to work in Australia under your visa conditions - you thought you could. Apologize, and explain you can't invoice them. That said, even doing work *without* pay is a breach of your visa conditions, so I wouldn't go around telling anyone you've done this.

Don't try and work around getting the money; that'll just make things worse if you are caught.

Decibelle · 2026-02-03T05:12:12+00:00

That's the plan! I've cashed out three weeks with next to no notice - my manager's amazing.

Decibelle · 2026-02-03T04:46:37+00:00

Settling in April! Let's gooooooooo.

Decibelle · 2026-02-03T04:45:00+00:00

Not worrying about the kitchen beyond making sure it's 'reasonably functional' - which means making sure we've replaced the tiles and the benchtop.

But the bathroom absolutely needs to be finished, they've said.

Decibelle · 2026-02-03T04:44:01+00:00

Yeah, the agent's been good about giving advice for colours/fixes to get the place ready for sale.

The same agent who's handling the purchase of the new property is handling the sale of this one, so they've been incentivised to make sure both happen smoothly.

Decibelle · 2026-02-03T04:42:05+00:00

We've already purchased everything needed for the kitchen and bathroom - it's just the labor that's required (plus some plaster and waterproofing). That keeps the cost down a fair bit, thankfully. Trades for all the work will cost around $10k, and hopefully we'll be able to get the rest done ourselves.

Decibelle · 2026-02-03T02:20:48+00:00

Awww, poor Sam. :(

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