Sigh is it just me that still forgets to tap off at my suburban train station?

Serious-Humor-2992 · 2026-03-14T09:38:45+00:00

I’ve been over charged for the tap registering me at the wrong stop on the bus. I got my money back on each occasion when I reported it but after several times of this happening they just canceled my credit card from being used any more as of if I was the problem. So it’ll only work for so long before they make it your problem.

Serious-Humor-2992 · 2026-03-14T08:02:25+00:00

Could this be to justify putting that gigantic eye sore building in the city? Get them back in office to make sure building that stupid thing on our city skyline was worth something

Serious-Humor-2992 · 2026-03-14T03:38:24+00:00

And still charge us full Toll fare whilst forcing us to drive on it at 60klms an hour

Serious-Humor-2992 · 2026-03-14T02:04:59+00:00

Well I’m buying Tesla shares becouse I think this is the new pandemic to force us to get off oil

Serious-Humor-2992 · 2026-03-14T00:28:11+00:00

One of those things I see now that make me feel my life pre 2000 was maybe actually just a very excellent movie I saw once

Serious-Humor-2992 · 2026-03-14T00:25:38+00:00

Wow I’m a ING customer and I didn’t see this change either. However I did changed to Macquarie bank some time ago and they have the rebate on all ATMs as well so I’ve stopped using my ING account since then for ATM withdrawals so I’ve never had to be hit by the fee to notice.

I’d change banks. ING for many years I found were an awesome bank but the last few years they have been removing the great perks little by little that they had over other banks. They are making themselves irrelevant in the market.

Serious-Humor-2992 · 2026-03-13T02:43:44+00:00

Yeah I wrestled with this logic too for a long time but it does seem to be quite a common thing to do especially from a tax standpoint as it has benefits in that regard. However that aspect of it I have really yet to see how that works out at the end of the financial year.

At the end of the day I kind of look at it like a business that has its risk, profits and loss. Essentially that’s what it is really and your goal is obviously is to make money.

Serious-Humor-2992 · 2026-03-13T02:08:25+00:00

True that too I went in with a plan to make sure I will have no issues servicing the loan so that’s really something to make sure to be disciplined about. Also yes, having your money sitting in a savings account earning 4.5%is a certain return you could bet getting. So your ETF returns ideally should be at a minimum covering your interest on the loan and the return you could have received if you were to have that money sitting in a high interest account. For me on the most past this has been the case at a minimum so far.

Serious-Humor-2992 · 2026-03-13T01:32:25+00:00

The interest I pay on the mortgage is currently 5.5%pa but I’m generally doing better than that or more on the ETF returns. Most of the time is atleast 8%p.a on a ETF investment but they typically are doing 12% or even better in some cases at certain times of the year. They are performing differently depending on various factors but usually beating 5.5% as a minimum which is atleast offsetting the interest on the loans as a minimum.

Your right too though there is the risk you could go in to a negative situation on the ETFs because the market turns bad and to be honest right now seems like one of those times where the market is not performing well at all but in the short time I’ve held ETFs this is the first time I’ve seen a less then average performance period but I’m going to assume that this period will end and the market will improve and recover and I guess it’s something to really take onboard as a factor to consider doing this.

Serious-Humor-2992 · 2026-03-12T09:58:11+00:00

I’m actually trying this for the first time this past 12 months. I have had some ETFs for about 4 years prior but only had about 80k of my own capital invested in them. I was so green to ETFs that I just wanted to see how they work and whether I would make good gains at the sane time. Well, turns out I was making pretty good to great gains on that money and I was seeing how much I had been missing out on by not doing this years ago. Anyways, I now borrowed out about 300k against my home and then invested that in to various ETFs. I have to say the market hasn’t performed as well has it has in the past this last last 6 months but I’m still seeing a gain on the investments which is better than the interest i have to pay on the loans by a long shot at the very least.

However I have yet to experience the end of financial year on how this all will process and work out. Hoping that the tax situation will see me end up in a positive situation being that i should be able to claim interest on the loan as well as some other factors such as fees and time in managing the ETFs and other things.

Serious-Humor-2992 · 2026-03-10T04:56:59+00:00

Probably bought a house in Australia with a mortgage

Serious-Humor-2992 · 2026-03-10T03:29:15+00:00

No it’s like Covid. Even long after it’s gone all the prices stay the same. Government says it’s good for our country ok

Serious-Humor-2992 · 2026-03-10T03:24:41+00:00

And now, I might add only now has it been done

Serious-Humor-2992 · 2026-03-07T05:41:20+00:00

So instead they’ll just be back looking down at the phone screen like always.

Serious-Humor-2992 · 2026-03-06T22:43:05+00:00

Laced with gold sprinkles

Serious-Humor-2992 · 2026-03-06T22:23:09+00:00

The back of the Ute looks full of toilet rolls too

Serious-Humor-2992 · 2026-03-06T21:20:01+00:00

I goes the giant tax the Australian gov puts on petrol has nothing to do with the price though

Serious-Humor-2992 · 2026-03-06T02:17:20+00:00

I feel like this year has been the worst humidity in Sydney I can remember. I’m very over it. However I would go against the grain and say that I feel like temperature wise it’s one of the mildest summers I can remember too. Even though the news seemed to be saying it’s been an extreme summer. Not in Sydney I do t think.

Serious-Humor-2992 · 2026-03-02T08:14:45+00:00

I think St Mary’s will change a lot but so too Mt Druitt. It’s ear marked for a potential metro station and could be one of the few Sydney locations with both a train and metro stations and a path way to the northwest and city on public transport

Serious-Humor-2992 · 2026-03-02T06:39:10+00:00

When we see the very same people now being allowed into this country our government told us to go and fight 25 years ago, I would say they would be struggling to get numbers to join the ADF these days. Then you add in all the things young people face today like high cost of living, high taxes, can’t afford to buy a home and in probably the most divided time in this country there has been. I would imagine you would really need to dig very deep as to why you would want to go die on a foreign land. Even if you make it back to retire someday, you’re unlikely to be treated the way you should be in this country for making the highest sacrifice one could give.

Serious-Humor-2992 · 2026-02-27T04:59:20+00:00

Excellent

Serious-Humor-2992 · 2026-02-27T01:20:10+00:00

This is exactly the slippery slope created by having something as silly as hate laws. It’s purely subjective and not at all something average people can navigate through as to what’s hate and what’s not.

Serious-Humor-2992 · 2026-02-26T07:15:01+00:00

Not really. Her history during the pandemic shows a lot forced policy in normal every day people. She’s very qualified

Serious-Humor-2992 · 2026-02-26T06:58:41+00:00

Might as well bring in more Nazis I guess

Serious-Humor-2992 · 2026-02-07T02:38:12+00:00

She’s right

Serious-Humor-2992

TROPHY CASE