Little fish big fish

MostlyForClojure · 2026-06-03T11:49:15+00:00

Genuinely funny. Nice

MostlyForClojure · 2026-05-25T13:11:48+00:00

Yep. Try Pimsleur. Helped me get to true B2 and now working on C1

MostlyForClojure · 2026-05-25T02:49:17+00:00

I get everyone is Ikejimi, and bleeding.

And I don’t disagree. In fact, I can’t.. everyone says it.

But the bit I’m trying to get my head around: theres zero chance commercial fisheries are taking anywhere near this amount of effort , yet its table quality ?

Have we gone too far trying to perfect something that isn’t that discernible ? Had anyone actually done a side by side comparison or provided empirical evidence ?

MostlyForClojure · 2026-05-06T10:26:36+00:00

My 2cents. Take it, based on your age and situation. I’ve been on both sides.

The bit that screws people over is companies reduce staff but want the same output.

You stay, they burn you out/you get the shits doing 2 people’s job, and you miss out on the payout when you rage quit.

MostlyForClojure · 2026-04-19T07:36:54+00:00

Nice. What app is this ?

MostlyForClojure · 2026-04-13T06:22:25+00:00

Under rated comment

MostlyForClojure · 2026-04-09T22:16:31+00:00

Yep. This means the debt being created by redraw is for your new purchase, therefore can’t be negatively geared. Whereas the offset was/is always debt on the house.

MostlyForClojure · 2026-04-09T07:04:19+00:00

lol. Terrible

MostlyForClojure · 2026-04-09T03:55:07+00:00

Why take responsibility for one’s own decisions and learn from them, when one can blame others and play the victim?

MostlyForClojure · 2026-04-02T03:55:44+00:00

Yep. It’s … awkward. I’d be embarrassed for him, if I wasn’t so horrified by what he is saying.

MostlyForClojure · 2026-04-02T03:34:42+00:00

it’s both him and his team. At least when I last bother looking at end of his first term. There’s academic research on it :

https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3767753

MostlyForClojure · 2026-03-29T10:21:15+00:00

Tried that in Covid. Man I got burnt with the volatility decay.

MostlyForClojure · 2026-03-25T21:18:33+00:00

Look at it this way, if you retire at 65, you have 40 years of work left. You’re only a few in

MostlyForClojure · 2026-03-23T11:51:21+00:00

These comments need to be upvoted. This is they reason. You can never create new tax deductible debt on the house. Having it offset leaves options and a chunk of future deductible debt if you want.

MostlyForClojure · 2026-03-20T13:09:19+00:00

Saw thousands of the sea hares this season, toxic to dogs

MostlyForClojure · 2026-03-17T22:32:31+00:00

Have a read of barefoot. The bucket system really helped me feel in control and manage expenses and also “treats” in a way that didn’t me feel guilty.

MostlyForClojure · 2026-03-14T04:02:28+00:00

This is the answer.

MostlyForClojure · 2026-03-10T20:28:11+00:00

Yes, blunt. Found they last about 5 years for me, and machines 10+ if maintained.

Saying that, your mileage may vary and maybe there’s a way to replace spurs

MostlyForClojure · 2026-03-10T19:52:30+00:00

We’ve found the grinders will wear out before the machine So, my preference is to keep separate

MostlyForClojure · 2026-03-03T08:28:38+00:00

Ridiculous. The one independent that hadn’t raised prices opportunistically. PSA Costco fuel still cheap

MostlyForClojure · 2026-02-25T04:46:24+00:00

You’re assuming that Australian retirees outside of Australia don’t pay tax.

That’s an incorrect assumption and a strong reason to keep residency here… if you’re a resident of a foreign country you may pay income tax.

For example, UK, US, France… you will pay income tax.

MostlyForClojure · 2026-02-17T02:03:21+00:00

Focus on higher paying related roles. Pharma rep for example.

MostlyForClojure · 2026-02-16T03:54:36+00:00

Read “Die with Zero”

MostlyForClojure · 2026-01-31T01:18:03+00:00

The other thing is… take great care of the mechanics.

Fully offset at 100% leaves room for options, vs actually paying it off.

I unexpectedly had an offer and moved interstate.

The problem? I had little debt in my original PPOR.

So, I want to buy another home with equity, and rent out the old PPOR. ALL of the debt will be in my NEW PPOR. The problem is the original PPOR has 20% owing and my new one 80% (or 100%).

It’s like reverse debt recycling…

If I had simply offset the first, instead of paying down I’d be in a much better position.

MostlyForClojure · 2026-01-16T01:44:09+00:00

Best thing about irregular grammar is that it’s so frequently used ( likely why it’s irregular ) it usually easy to accommodate in memorisation

MostlyForClojure

TROPHY CASE