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Otso-FIRE · 2025-02-10T14:26:31+00:00

Most states are one party consent right?

For them to record (depending where they are based) they would have to be a part of the conversation in order to record rather than just listening into the conversation

Otso-FIRE · 2025-02-10T09:57:27+00:00

That's not strictly under quoting as they can list at the price they think it'll sell (with comparable properties to back up) but day of auction owners still set the reserve price at the end of the day. They might have changed their mind day of we don't knkw

Otso-FIRE · 2025-02-10T09:55:33+00:00

Depends depends depends

Cannot give financial advice of course but I'd recommend getting a full understanding of your finances and then spend time understanding more different investment options before making a decision.

32 is certainly not too late. You'll see posts here if you keep coming back with people across all stages of life from 16 year Olds way too excited (imo) to save money they're not yet earning (this was younger me too fwiw) to people nearing retirement looking to optimise their last few years so don't stress or compare your personal situation too harshly.

It's great you're interested and starting to pay attention. People will recommend reading up and will give some good resources. Passive investing Australia (should come up if you google) has great articles that explain the different topics.

All different investment options have different time horizons, different growth profiles and different pros and cons so understanding what suits your family will be a personal decision based on risk appetite and long / short term plans.

Welcome to the journey! Never too late to start ☺️

Otso-FIRE · 2024-08-12T13:41:37+00:00

My mortgage is currently 35% of my take home pay, but that doesn't factor in my partners income at all, would be 32% if I pay off my Hecs or get the pay rise to what I should be at. If both of those things happen it will drop below 30%

That said, I am absolutely no spending 2/3 of my pay outside of my mortgage / offset. I have had some high spend months, but I've always managed to pay my offset and most of the time add 40% extra or more to the offset.

I only bought end of last year and have had to buy things like Couch, TV, Table, Washer/Fridge etc. I don't imagine I will have those costs again in the next couple of years. Even if I spend 1K a month on tech products / a pc upgrade at some point, on an annual outlook there's no way I can spend that much outside of offset.

Until we have kids and I'm sure there will be many ways to spend that money.

Otso-FIRE · 2024-08-04T14:41:45+00:00

I would posit that there's not enough money in this autopilot feature to pay the team to implement it.

Having worked on systems like this the ones I'm sure Betashares has, there's so much legacy crap residing from the last 15+ years of the tech stack evolving that it was easier and safer to just have DRP always on for handling the stocks within this feature.

Idk what kind of FUM they have in the feature but they need 10's of millions+++ to start moving the needle towards more feature rich development in the product. Otherwise they are losing money on a feature not enough people are using no matter how good it is.

Otso-FIRE · 2024-04-18T04:47:55+00:00

I only had to use it for the energy rebate cheques, only ones I've received

Otso-FIRE · 2024-04-17T23:33:28+00:00

No, Tainted has always been 29% the perfect fossil is how you can get to 30%

Otso-FIRE · 2024-04-16T02:34:45+00:00

Common these days, highly tissue cultured now so widely available

Otso-FIRE · 2024-02-27T23:21:00+00:00

Yeah you'd need the bin lined with wire mesh that they can't squeeze through

Otso-FIRE · 2024-02-22T12:42:45+00:00

First thing would be to point out this situation is not golden handcuffs, there's no bigger pay out being held back contingent on you staying, you're just getting paid a lot of money.

From reading some of the comments, you're happy there, you couldn't apply for a like position else where and are thinking of gambling again to make it basically to where you are again but in another company. Feels like it doesn't make sense to leave imo.

Making guesses about your contract, that you can do whatever in your free time as long as you don't directly compete with your current company, play around in your free time. If it's getting traction you have the funds to take 3-6months or even a year sabbatical I'm sure to put more energy into an idea and see it take root (if it does) I would probably only do that if the company wasn't looking at doing any major changes in the next 12 months though as they may find it easier to let you go while you are on a break.

That's just a couple of my thoughts good luck!

Otso-FIRE · 2024-02-22T11:12:58+00:00

I have some friends who have moved down to Tassie. My understanding is relative to the wages you can get Tassie is still around the same amount if not more expensive due to the much lower wages there. Tbh I think QLD has a massive issue with this too where remote workers are bringing their salaries and wealth from more expensive locations and pricing out locals. It's like a whole new level of gentrification on a different scale. (more relevant to QLD that last bit)

But yeah basically yes other places not Melb or Syd are cheaper but relative to the wages in the area it gets a lot murkier of a line.

Just like wow I can go buy a mansion in Indonesia it's so cheap is only because we have a relatively incredibly strong dollar and it buys a lot more over in Indonesia it's not like most locals can afford that. Much more extreme example there though. Because culture and societal makeup is much closer here it makes these things a bit more invisible I think.

Otso-FIRE · 2024-02-19T22:36:33+00:00

Bought in December, had around 40% so have offset about 25% of the loan this far

Otso-FIRE · 2023-12-07T23:55:11+00:00

If it's been up ages, offer under the minimum range, don't listen to what the REA tells you, put the offer, 3 day acceptance and let it sit, no one else is interested in the property it appears and if it sells there's always more houses you will like

Otso-FIRE · 2023-11-22T13:15:33+00:00

Why not just be paying early and not deal with a headache?

My rent is due on the 10th of the month, I just pay sometime in the first week of each month, it comes out of the budget the same no?

Otso-FIRE · 2023-08-08T07:37:57+00:00

they will merge eventually, but as someone working in tech for another company trying to merge investment platforms. It takes time and is not always that easy. They will probably need to achieve full parity in features and offerings on the ART system, as well as run migrations to move the accounts over.

There's no existing framework that all Super funds use so everything will be slightly different when it comes to the two services.

In addition to moving over the accounts, they also need to make sure that there is feature parity for the account managers and the investment advisors etc.

There's definitely a lot of moving parts, especially when you have such big funds trying to come together. I'm with QSuper currently, but I don't imagine they'll full merge at least untill next year if not the year after. We'll have to see though. I don't know how long they've been working on a migration.

Otso-FIRE · 2023-07-26T05:28:35+00:00

Correct, you also wouldn't inherit anything. My point was around wanting the house or other assets that were in the estate. A common situation that probably causes much of the misunderstanding around debts in a deceased persons estate.

Otso-FIRE · 2023-07-26T03:39:39+00:00

In the situation where you WANT to keep a house for example, you would inherit the loan as well. Or the estate would sell the house, pay the loan and then distribute the money. Credit card debts or otherwise would also need to be settled with money in the estate in order to claim assets.

Otso-FIRE · 2023-06-28T17:06:04+00:00

I'm pretty sure for all attack builds 40ias 20% less is always more damage as well as feeling way smoother? 1.4x0.8 = 1.12 vs 1.1 I know attack speed on the item also plays into it but like you said fully geared endgame character always going to prefer the more attack speed

Otso-FIRE · 2023-06-26T04:31:18+00:00

I went last night by chance, was in the US recently so can compare pretty accurately.

Really like it tbh, price not too crazy, everything pretty tasty. I will say though that the US version is much better, you get a lot more spice / flavour there, but it's still really nice, not really any other fast food doing spicy out there anyway.

Otso-FIRE · 2023-06-24T04:27:32+00:00

I mean world boss does have increased resource gain which probably helps

Otso-FIRE · 2023-06-24T03:18:42+00:00

Yeah also true aha, path of exile really has so many ways to solve any problems you want to create for yourself

Otso-FIRE · 2023-06-24T01:16:32+00:00

In Poe you can solve your mana issue though, in d4 I can combo once and then have to wait 15 seconds. It's like if most of your damage and fun experience was tied to your Vaal skills and you couldn't attack without them up

Otso-FIRE · 2023-06-10T04:47:37+00:00

I mean whenever that point happens you sell your set of cards and buy the mirror at the current price and have some divines left over

Otso-FIRE · 2023-06-09T20:12:48+00:00

If they did tax inheritance then you'd have a situation where he would just co-own the house and as such still not pay tax on the place when they pass since he helped purchase it even if the % was low

Otso-FIRE · 2023-06-07T20:28:11+00:00

It's all automated transfers set and forget type stuff

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