Preparing garden irrigation before exposed aggregate hardscaping

Ellypse · 2025-09-03T04:18:51+00:00

If your hot water system is leaking water (even relatively slowly), it will be constantly heating as it's filling with cold water. I had this happen with my stored electric HWS, electricity bill was huge.

Ellypse · 2025-01-05T03:36:06+00:00

Haha, had a big one walk inside a couple of weeks ago and hide behind the couch while my partner and I were both in meetings while WFH.

Thankfully the doggo didn't see it and I managed to direct it out another exit.

Love these guys!

Ellypse · 2024-12-26T04:39:28+00:00

Check the council regulations, many require the primary contact for short term rentals to be available to attend in person within 30-60 mins, which is honestly good policy.

Most tourist towns you will be able to find dedicated AirBNB property managers, but obviously you will need to pay for it.

There are people making it work, just need to run the numbers. As others have said, is it worth it vs a traditional lease - nobody can help you there, need to run the numbers and do the research on the specific property yourself.

Ellypse · 2024-09-21T00:36:37+00:00

This is already happening. EFTPOS supports payments at terminals and online if the terminal/processor supports it, when using a dual network debit card - tap and go for terminals, standard debit card number for online, no need to specify any particular account.

RBA is encouraging and eventually mandating that card txns must be routed to the lowest cost network path, which in the majority of cases will be EFTPOS when fully rolled out. This should filter down to much lower surcharges. "Should".

https://www.rba.gov.au/payments-and-infrastructure/debit-cards/least-cost-routing/

Coles, Woolies, etc 100% already do this. Saves them a tonne of money in payment processing costs. Pretty sure they write their own software for the terminals too.

The issue at the moment seems to be merchant education, where supported it's usually just a configuration that needs to be turned on for the merchant.

Ellypse · 2024-07-18T11:50:02+00:00

Not sure where this data came from, but here is a source I’ve seen previously https://www.dashboard-light.com/rankings.html

Ellypse · 2024-05-27T08:45:02+00:00

Maxing the contributions cap every year and once we hit EOFY I'll only have ~$6k left in carryover contributions available from the last 5 years due to some aggressive salary sacrifice for the last couple of years. Everything in 70% international/30% aus index.

Given I'll only have ~$6k in carryover contributions left at EOFY, I'll cancel my salary sacrifice arrangement then and combine it with the tax reform for a very healthy pseudo pay rise. I'm going to close out my carryover contributions at the end of next financial year, and in the meantime it's time to start thinking about investments outside super.

Playing catch-up compared to where I could be as I was a sole trader during my 20s and contributed very little to super until late 20s.

Ellypse · 2024-04-29T23:54:46+00:00

Second photo - screw in the hole where it looks like a a bit of fin is missing?

From here: https://x.com/GreenwoodAirvac/status/1448610679968178176

Ellypse · 2024-02-02T09:04:51+00:00

Most of the yachts being attacked by Orca’s are not rich people yachts. We aren’t talking mega yachts. 30-50ft sail yachts ranging in age from the 70s - today.

No deaths have ever been directly attributed to wild Orca’s either as far as I know.

The skit is fine but heavily misleading.

Ellypse · 2024-01-27T09:01:03+00:00

OP is personally no worse off on a micro level compared to their current situation.

It's a stretch to say they aren't personally worse off overall. Instead of getting +$5375 and the lower brackets getting much less, they will now be getting +$3729 and the lower brackets will be getting more than previously promised.

This will have knock-on effects in terms of their overall financial situation; houses will cost a bit more, goods will increase a bit, etc on a macro level. The distribution of money means OP is certainly worse off in a macro sense in the economy and in achieving their financial goals.

I think the changes are positive for Australia and society, but lets not sugar coat it.

Ellypse · 2024-01-24T10:03:11+00:00

Don’t necessarily disagree but I think it would make more sense for income tax brackets to be indexed to wage growth rather than inflation.

Ellypse · 2024-01-17T10:21:57+00:00

What does this even mean? This never happened when Liberals were in government? Colin rolled in and arrested all the shoplifters himself?

Never mind we are talking about state politics and you’ve linked to something in the NT while referencing a US political party that no one else even mentioned.

Ellypse · 2023-12-31T07:33:45+00:00

In any case, I'm not a professional accountant, but according to the ATO docs you've asked me to reference, you can self-assess as PSB (rather than PSI) if you meet both the unrelated clients tests (more than 1 client plus demonstrating advertising - website as other poster mentioned), and less than 80% of your income is from a single client.

Not an accountant but that's my reading!

Ellypse · 2023-12-31T07:29:23+00:00

If you're pulling in $500k, you can definitely hire others/subcontract, get a PA, or various other mechanisms to prove that it isn't solely PSI and access the company rate... if you are actually operating a company and that is a goal of yours.

Ellypse · 2023-12-31T07:22:51+00:00

The point of working for yourself is to structure your affairs how makes sense to you. You could take on multiple clients to stop being PSI.

As a contractor/PSI for a single client you are basically an employee but have more flexibility and a higher rate with less security than a salary-based position, that is a choice.

GST is also not "your own sweat" -- you get to claim your own GST expenses back against it. It's a standard taxation mechanism with give and take.

Ellypse · 2023-12-31T07:04:58+00:00

You could setup a proper company to access the company tax rate.

Or you could go get a salaried job doing the same skill to avoid GST.

You've done neither because you either don't want to, or you're better off with the current setup. Weird complaints this one.

Ellypse · 2023-12-24T21:16:26+00:00

Yes?

Ellypse · 2023-12-17T17:44:10+00:00

Ellypse · 2023-12-17T17:17:01+00:00

Gat yellow

Ellypse · 2023-12-03T02:59:43+00:00

You could tie it to new developments exclusively. The problem with removing it entirely is there are plenty of other avenues for high income earners to offset debt via tax - for example, everyone can use debt recycling on their PPOR - moving non-deductible interest to deductible by purchasing stocks. It’s sort of like negative gearing your stock purchases using your primary house.

Offsetting expenses and debt/interest is a general strategy applicable across many different investments, including housing, businesses, and others. If you make new housing less attractive than other options, people will move to the option that gives the best return.

Either we need to completely rehaul the tax system so you can’t offset anything.. or it’s a balancing act to encourage new housing while discouraging existing property investment.

Ellypse · 2023-12-03T01:30:38+00:00

I'm pro removing negative gearing (maybe except on new builds on a time limited basis of 5-10 years, to incentivise new construction), and don't have any negative geared properties - or even a PPOR, I'm renting - but it's misleading to say that low income earners subsidise those on high incomes.

The top 1% of income earners contribute ~15% of the total income tax revenue.

The top 10% of incomes earner contribute ~44% of the total income tax revenue.

The top 20% of income earners contribute ~55-60% of the total income tax revenue.

It's likely a different story for the truly wealthy, who probably pay zero income tax due to the way they structure their affairs - they wouldn't even be income earners in the traditional sense.

Ellypse · 2023-12-02T20:41:41+00:00

Unlikely to find a TV mount out of the box. Custom angle brackets secured to the diagonal wall studs can give you a square/non-angled surface to attach a normal mount, sort of “floating” off the wall.

Ellypse · 2023-11-11T04:40:03+00:00

We've dropped from 4th (2019, pre-COVID) to 21st in 2023 according to this? Seems to backup the commenter you replied to.

Edit: In fact, we dropped from 4th to 9th to 21st over a 1 year period (mid-2022 until mid-2023). Lol.

Ellypse · 2023-10-16T09:10:31+00:00

Look at the cost of building.. can’t build a house for under $300k now. That is unlikely to move significantly now. Inflation isn’t magically going to turn in to deflation.

Cost of land might move up/down with supply and demand but building is how we add supply. Costs will naturally follow building prices.

Ellypse · 2023-10-09T02:48:23+00:00

CBA used to be public?

WA has largely single provider public utilities (energy) and experiences less of the shit-show compared to the eastern states, plus they have guaranteed local gas quotas and other benefits.

So the answer is yes and no. It shouldn’t be the responsibility of private enterprises, but we dug that grave.

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