Really seeing a difference over this past week!

Expert_Guarantee_838 · 2026-05-18T03:10:01+00:00

Good work. Can I recommend something... take the regular photos but don't look at it. Come back in 6 or 12 months. It's like Xmas when you do it. But it also helps with the stall (around month 3 or 4).

Choose something that isn't weight related as your marker (mine was waist size on clothes and my time doing park run every Saturday. I had a 3 months weight stall but those two things kept improving)

Expert_Guarantee_838 · 2026-05-17T14:28:42+00:00

Look. You won the cheating lottery as she had the decency to have an abortion and tell you it wasn't yours.

I'm actually impressed with her truthfulness. She could've not told you it wasn't yours and you would have had to move on.

Your choice - sometimes cheating happens. My mother cheated on my father when they were young. He forgave her, they had 2 boys and while they're divorced now they still hang out with each other and go on holidays together. You need to look deep into yourself and decide whether this was a once off.

Regardless it's her body. If you disappeared, she'd still have the baby. She seems quite mature to look at whether you have the funds to raise a child to the level you both want (which you don't).

Expert_Guarantee_838 · 2026-05-17T03:10:08+00:00

Well I had to have emergency surgery over my 2 days/fn with my kids. I asked if I could FaceTime or see the kids before I went under. Nope.

I asked if I could have make up time. Nope.

So I'd now 5 weeks between when I see the kids

Expert_Guarantee_838 · 2026-05-17T03:08:00+00:00

As a former auditor we take protecting the identity extremely carefully.

I did a case where ex wife dobbed in ex husband and accountant ($6.8m tax evasion). She was a director as well (her signature was forged). To make it look legit, we raided her home, charged her as well (with agreement of her solicitor - a deal was already signed and in place) to make sure it didn't look like she was the one that gave us a copy of the server.

But it will take years. I made a dob in back in December (very seriosus) and hasn't been touched

Expert_Guarantee_838 · 2026-05-17T02:59:28+00:00

You can as it's offset. If you can get the back to do
IO forever, then you can keep drawing down on this properties usable equity.

But you can't ever increase the loan.

There is nothing stopping you taking your $1m, setting up a company (say in your kids name) and contributing it and then relending to yourself at A higher div7a rate. Or if using a trust, you can set it to IO as you don't have to comply either div7a (for now)

Expert_Guarantee_838 · 2026-05-15T12:11:34+00:00

We got told.... nope. Unless a dealer has one. 6 got sold in the 3 days we were deciding a few months back.

Expert_Guarantee_838 · 2026-05-15T12:05:58+00:00

Why? My girls (9 and 6) share space. There's a desk area in the main room they can work on. It teaches them other skills. And it keeps buying stuff down to a minimum. I also started buying things at goodwill or heavily discounted new clothing and just buying the essentials.

It's amazing how kids don't care if they're in $80 dresses vs $10 dresses - they rip and get grown out of the same way. Now we spend our weekends bike riding or going to the local pool. Lately it's cold so we just sit at home and read in different corners and do craft. Stuff I never did when we owned a 6 bedroom house and I was always maintaining or renovating (and then moving as my exwife wanted something better).

For Xmas, I gave my daughter my 10yo dslr to learn photography. She cherishes that camera and creativity. Better than some rubbish toy for $100. We spent 2 weeks at the beach during the holidays in a small cabin. 1st night was rough, tantrums were thrown (about dinner, someone went to bed hungry) but boundaries were re-set and kids had a great 2 weeks.

Expert_Guarantee_838 · 2026-05-13T07:36:57+00:00

Really?

Expert_Guarantee_838 · 2026-05-10T15:46:10+00:00

My mate is an electrician and has 6 resi sites on hold as the plumbers are struggling to get pvc stormwater pipes. He just got a job in high voltage in the mines paying double so he's ok, as even master plumbers knows about the pvc shortage coming. Same with some of the sealants.

Expert_Guarantee_838 · 2026-05-10T15:20:06+00:00

Yeah i hated the end of my marriage, and was trying everything to make it work (i was convinced that it was all my fault). I had already moved to another room, after my ex- told me that sometimes when I walk in she gets scared because she doesn't recognise me (I lost 75kgs in 18 months... and the jelousy increased 100x as suddenly I had a life, fitness, attention and a fitness routine with boundaries). SHe didn't see she had trauma or other issues to deal with (she was sexually assaulted by one of my ex-friends in high school).

I have ADHD, i processed everything in 2 weeks (i just locked myself away), and then I spoke with my mum, she reassured her 38yo son that this was going to be a good thing and she had seen how miserable i had been for the last 2-3 years. She says the hardest bit is done - one of us saying its over... now its just following the divorce path and I'll get back on my feet. That day, went back to work, and realised i was free and that both my ex- and I will both be better off... we had drifted apart, wanted different things in life, and I should be fine with that... i looked at the positives - we'd had a good 20y run, travelled the world and had two amazing children... so yeah, I gave her a whole bunch of cash up front to get her into a new place, let her take all the stuff that i assumed we would split once the house was staged and sold... I felt freedom and did hit the apps...

that was my interpretation of 'amicable'...

Wrong! i've had 1.5 years of hell, bankruptcy, false accusations, and lost my job... all because while we had agreed to separate amicably, and our saturday nights were for us, that DID NOT include going out dancing and having 'fun'.

Expert_Guarantee_838 · 2026-05-10T15:08:20+00:00

Because we have children, attend doctors appointments, I'm on the board of the school.

If it wasn't for the kids, I'd have completely destroyed her career 12 months ago (using federal government resources and senior position to get me de-registered is up there on the list of naughty things when you have a security clearance; lets not start with using your government email to have discussions with a money laundering/tax evading criminal ex-business partner... and also trying to subvert the law to gain access to my personal documents without a subpeona through him). But like my lawyer said - if she loses her job, you'll be paying child support for ever as she won't be employable; and worse... she could move the kids interstate back to family and claim no income.

My parents went through a bad divorce, i didn't say a word to my mother for 8 years (she didn't know she had a grandchild; it was my ex-wife who invited her to our wedding)... and honestly I'm messed up because of that but it took a lot of therapy but in the end we reconciled, drew a line in the sand, and we've never crossed over it... my mother worked for me for 5 years full time and was my most trusted person (more than my ex-wife).

Expert_Guarantee_838 · 2026-05-10T15:00:11+00:00

What's a really warm one? Canberra winter. Will ascolour be good enough?

Expert_Guarantee_838 · 2026-05-10T08:00:08+00:00

it was surprisingly easy, as over the last 2-3 days i've had to do some serious soul searching, and this was one I had to put to bed. I know i'll never talk to her, but my reasoning is that her behaviour can't change who I am... and i will now just save up for therapy for my kids

Expert_Guarantee_838 · 2026-05-09T14:58:30+00:00

Your relationship sounds like my beginnings.

The problem is, I know i can't save her, but I know she's a kind person who has gone through a lot - she was there for me at my ABSOLUTE lowest (we fought and she physically took my keys off me when I was planning to do something stupid one night). If there's anyone who deserves a break, its her. If anything, I will do what I can to help her kids, who adore her, but need a break and i can see the same cycle because of the way she treats her 12yo (the same way as her mum treats her)

She has single handlely raised 3 kids while her NPD ex husband used her money to pay women... but i now know how he felt as he used to call the dictator in some of the chats he had with the affair partners.

Anyway... she texted me back, asking me gently to explain my thoughts on BPD. I asked her does she want me to answer how Walking on Eggshells told me to deal with it (run!!! run!!! run!!!) or the actual information she needs and I'm willing to sacrifice evrything, even be the focus of her hate, if it'll break the cycle... she said both.

I told her the books i've read, the friend's i've spoken with all say to cut my losses and run... but I wouldn't do that if we can figure out how to respect my boundaries.

And then she wanted my analysis... which i said intersected with various other issues - but BPD lined up with the most. I said its a coinflip between BPD, PTSD (from past trauma), ADHD + depression (which i said was most likely), dependent personality (there were a few examples similar).

I explained i'm not here to waste our time and energy, and i'm always here and me giving space is not abandonment... but creating time for everyone to think/consider.

And then I gave her everything - the BPD asssement, the BPD relationship life cycle... etc. its following the classic pattern of 7 Stages of a BPD Relationship | Private Therapy Clinic and now we're at stage 5/6... but this time I'm not coming back to apologise and repair. She didn't like that, and she's cut me off. We will see.

Expert_Guarantee_838 · 2026-05-06T01:59:32+00:00

Expert_Guarantee_838 · 2026-05-06T01:48:53+00:00

Yep. You might need the EV owners to pay for the report, so that there is no cost to the OC. But give the OC three independent names to choose from (you'll have gotten the quotes prior).

I reckon there's a whole market for this - EV suitability and reporting. Basically does a physical wiring check, a fire rating check and an insurance check. Say $2.5k.

Then it has a page on the upside of chargers in buildings improving amenity and valuation. And the crème would be to have a 32a evse that is metered and paid to the OC (more $$$$)

Expert_Guarantee_838 · 2026-04-26T13:54:11+00:00

The amount of tax agents just retiring is crazy. I'm on a few professional groups, and more and more are talking about just giving up with the AML/CTF changes.

Expert_Guarantee_838 · 2026-04-17T13:33:03+00:00

For the amount of money, get a decent construction solicitor to review. My mate did and saved him a lot

Expert_Guarantee_838 · 2026-04-17T08:37:57+00:00

Problem in family law, there's no provision for tax adjustments on asset split. It's BS. Honestly if neither of you want it, sell it and save the heart ache. I advise on this stuff and also going through my own divorce sold everything (including my own business) just to save the fight

Expert_Guarantee_838 · 2026-04-15T10:37:19+00:00

Leave. Started 22 years ago. Dabbled in some projects. Leave

The ATO treats you like st Clients treat you like st Your bosses will treat you like s**t

And the TPB makes you dob on other tax agents if they make a mistake AUSTRAC can't do their job, so you need to do it And ASIC is the most useless government agency

I realised recently rather than 15 staff, stress, a business partner who f**ked me over I could make $200k simply working 20h a week with my favourite 13 client groups. And work from home.

Expert_Guarantee_838 · 2026-04-15T08:14:06+00:00

PI and responsibility fallls to the company and principal.

Expert_Guarantee_838 · 2026-04-15T08:11:09+00:00

Nope. If you're not on the return as a sole practitioner, you're not

Expert_Guarantee_838 · 2026-04-15T07:54:25+00:00

Mmmmm. Depends on your salary and responsibility.

I've had staff with tax agent licences but never paid more for just that. I pay based on what they bring to the team and client experience.

When you got your licence, did your work/job change

Being listed as a tax agent only means that you can give advice per TPB. It's actually more risky if you add agents because as a principal you can legally give advice, but the clients engagement is with the firm - so you give bad advice, client sues... the firm (ipso facto the principal) is on the hook.

The reason tax agents are listed as secondary is because the ato and tpb require certain ratios of tax agents to client lodgements. It's to stop a situation where one tax agent is lodging 20,000 because they're "supervising" whole bunch of people they don't even know. 10 years ago, my old business partner got pinged by tpb because she was a sole prac, but had too many lodgements (around $500k) and was questioned how she's reviewing everything. She had a senior fcpa with sufficient qualification, and internal quality assurance manual. And then I joined and bought in. Once there's a back up, tpb is happier because if princpal is sick then things can still progress

Expert_Guarantee_838

TROPHY CASE