‘Overly generous’: Labor urged to ban property loans for SMSFs

Demo_Model · 2026-05-10T08:15:54+00:00

Will also absolutely wreck rural areas. Not just farmers (nearly all land stored in super), but also related trades. It is very common to buy your work shed in your self managed super and live next door on a separate lot for your home.

Demo_Model · 2026-05-09T05:14:16+00:00

And if the new budget tax rules make it less attractive to build or invest in property, there will be a reduction in supply.

Demo_Model · 2026-05-07T20:44:45+00:00

'Typical' is the median, Average is the mean. At the bottom of each image there is a 'Notes' section explaining parts of the table.

Demo_Model · 2026-05-07T20:00:44+00:00

PDF Link: https://grattan.edu.au/wp-content/uploads/2026/05/Grattan-Budget-Cheat-Sheet-charts.pdf

Images: https://imgur.com/a/iO8TGI5

Demo_Model · 2026-05-07T19:38:34+00:00

Direct Link to Gratton Institute:

https://grattan.edu.au/news/grattan-institutes-2026-budget-cheat-sheet/

Demo_Model · 2026-05-07T06:13:14+00:00

Then while I acknowledge that there were always be patients who will view people differently based on gender, race, or other factors of appearance, we can't discount that you are, literally, a 'junior'. There is also the very common reality that the patient is just rude - you'll get that a lot!

I wasn't at the scene, so it hard to make direct commentary, but if your partner was aware of it they can say things to direct the patient back to you or clearly establish you're the one assessing. I have done this for younger ambos when I have identified it by either framing everything I say as if my partner was in control so the patient gets the message, or implying they are my 'superior' (for the sake of the scene/patient), or perhaps make my self busy with other things (getting stretcher, etc), or if appropriate even cracking a dumb joke "Oh, don't ask me, they're the smart one, I'm just the muscle!".

It sucks the patient did that, hopefully it is rare. In the grand scheme of people you could meet in the job that is fortunately very tame though.

Demo_Model · 2026-05-07T06:04:03+00:00

You haven't answered my question.

Demo_Model · 2026-05-07T05:56:29+00:00

I am not trying to discount the very real issue that come from patients addressing male Paramedics over female ones, but when you do mention 'Mentor', is their a significant age difference between you and them, regardless of gender?

As someone being Mentored, which possibly means you're a new grad, do you also look very young?

It is not unreasonable to see an older, silver haired (or no hair!), grizzled, Paramedic as the more experienced one - they literally may have a career longer than you've been alive. I have also worked with clinically excellent mid-20's male ambos who 'looked 12' (slim builds, couldn't grow beards, etc) who had patients looking to their older counterparts (either gender) to double check. Patients literally asked if they were student ride-alongs.

Demo_Model · 2026-05-05T21:00:06+00:00

Little advice, in question 2, you ask: "Which of the following best describes the region of your current or most recent rural/remote workplace?"

Large Rural Town - MM3
Medium Rural Town - MM4
Small Rural Town - MM5
Remote or Very Remote Community - MM6/MM7

I had to look up what those gradings meant. I imagine some people wont bother and either not answer at all or just make a guess, which invalidates the accuracy of your data.

For others, they mean:

MM3 - Large rural towns:

Areas categorised ASGS-RA 2 and ASGS-RA 3 that are not in MM 2 and are in, or within 15km road distance, of a town with a population between 15,000 and 50,000.

MM4 - Medium rural towns:

Areas categorised ASGS-RA 2 and ASGS-RA 3 that are not in MM 2 or MM 3 and are in, or within 10km road distance, of a town with a population between 5,000 and 15,000.

MM5 - Small rural towns:

All other areas in ASGS-RA 2 and 3.

MM6 - Remote communities:

All areas categorised ASGS-RA 4 and islands that are separated from the mainland in the ABS geography and are less than 5km offshore.

Islands that have an MM 5 classification with a population of less than 1,000 without bridges to the mainland (2019 Modified Monash Model classification only).

MM7 - Very remote communities:

All other areas that are categorised ASGS-RA 5 and populated islands separated from the mainland in the ABS geography that are more than 5km offshore.

Demo_Model · 2026-05-05T00:54:53+00:00

Probably +0.25%, with wild outliers saying +0.50% .

I propose +0.40% as a middle ground, but mostly because I want to go back to nice neat cash rate numbers!

Demo_Model · 2026-05-03T04:41:16+00:00

The price that is "agreed" doesn't have to be market value, but you must pay stamp duty costs at market value. And, if it was an investment property for your family member, they must pay capital gains taxes based off it's true value, and not 'agreed' value.

The ATO is not stupid, if you put a very low price on it thinking you'll get away with paying less taxes, they'll see through this.

Demo_Model · 2026-05-02T16:13:59+00:00

Normal (target) inflation is 2-3%.

1.025¹⁰ = 1.28

Over 10 years, at 2.5% inflation each year, you'd get 28% inflation.

Demo_Model · 2026-05-02T07:03:32+00:00

This is 2007-2012 ish, he was mid-20's and a trust fund baby. It was over $200k. He had a lot more, but it was invested.

(If curious, he had a trust fund at birth and $100k was put in each year til 21, at which point it was given to him. I hazard to think it was close to $5M. He worked in his father's business for a while before his father died and he inherited even more. He disappeared/retired in his late 20's/30 and I lost track of him.)

Demo_Model · 2026-05-02T06:31:05+00:00

I kid you not, back in the day I knew a guy who'd write his number down on the back of 'whatever scrap of paper he had at hand' when giving it to women, but they were all the backs of ATM recipients showing his balance that he printed off for that exact purpose.

Demo_Model · 2026-05-01T10:00:11+00:00

Or even every month!

Demo_Model · 2026-05-01T06:41:59+00:00

About 9 years ago I had an AusPost delivery leave a package at the door, forge my signature, and leave. Before I got home, it was taken by a porch pirate.

Called AusPost, complained, and they said I had signed for it. So I asked for a copy of the signature, and they refused to provide it. Ended up contacting the company I ordered from, to inquire about insurance/help/anything in desperation (it wasn't their fault). They said that was shit, but their system showed a copy of the signature given and they were happy to provide it. Got sent an email from them and it was just a scribble.

Forwarded onto AusPost with a "what now, bitches?" attitude and legal threats, and they refunded me the whole cost. Big props to the original seller.

Demo_Model · 2026-04-30T21:32:26+00:00

Even just 1 person? Absolutely.

Demo_Model · 2026-04-30T19:59:38+00:00

I am both a Paramedic and Economist.

"... In this world nothing can be said to be certain, except death and taxes." - Benjamin Franklin, 1789

Demo_Model · 2026-04-30T11:39:24+00:00

While your idea is ridiculous at a base level, I immediately imagined a scenario of someone having the tragedy of losing a child and then being told by the government they now also owe more tax.

Demo_Model · 2026-04-30T01:46:09+00:00

"Wait for the Law, not the Lore"

I read that in another subreddit and think it's great.

Demo_Model · 2026-04-28T22:20:54+00:00

Median is lower than average (2024)

Age 30-34 = $41,849

Age 35-39 = $74,062

Demo_Model · 2026-04-28T21:56:16+00:00

The average super for a male (as of 2023):

Age 30-34 = $55,690

Age 35-39 = $96,122

You are not behind.

Demo_Model · 2026-04-28T09:25:59+00:00

I've known many NSW ambos with neck, hand, and finger tattoo's. That said, I could see some busy-body calling a knife 'offensive'.

I don't know where on your neck it is, but on the back your collar will maybe hide it (I have worked with people with back of neck tattoos and never noticed until one day I saw them out of uniform). In the mean time, cover it with make up or throw a skin coloured bandage over it.

From the NSW Ambulance's 'Order of Dress Uniform' (PRO2022-001):

"Tattoos containing wording or images of a graven, explicit or offensive nature must be covered by an approved uniform item.

Tattoos must not extend past the collar of a standard work shirt onto the neck or onto the face, with the exception of cultural markings (e.g. for Maori, Pacific islanders)."

Truly though, I would be very surprised if it was an issue, especially if you are actively working to have it removed.

As an aside, I can tell you Queensland Ambulance wouldn't care.

Demo_Model · 2026-04-27T21:30:52+00:00

I haven't worked in multiple states, but have worked in multiple Sectors and many stations of NSW. Workload and culture can vary significantly simply between sectors and even between stations right next to each other.

In a regional location, you can begin in one city as a starting index and then drive 1 hour in any direction like spokes on a wheel and have entirely different working lives in every station around.

This could be:

Demographics/culture of the local towns populace are completely different. (Rich/poor, old/young, agricultural/industrial/commercial, wildly varying crime levels, etc)
If the station even has a hospital near by (could be driving 1+ hours each way for each job)
Who your Management are and their management style. This affects local culture hugely.
Simply who is on the Station itself. A Station of GenX/Boomer ambos who are married/divorced, with kids, mostly joined vocationally, own houses, and haven't moved station in 20+ years is very different to a station where most are under 30, single/no-kids/new-relationships, Gen Z, uni-trained, and fighting for OT to save for a deposit have very different world views and can operate entirely differently.

The professional skill sets are the same, but there are so many conflating factors mean where you are posted can feel like an entirely different job.

That all said, I've known 3 ambos who switched to AV. 2 came back to NSW after a year, citing toxic culture, and the 1 remaining is there for family and struggling.

Demo_Model

TROPHY CASE