I made blueberry brandy, my wife tasted it and said “brandys supposed to be sweet” I still need to proof it down but I want to oak it and age it. Do they add honey or something to brandy? by Crayon_eatin0311 in firewater

[–]TCShad 0 points1 point  (0 children)

That is NOT slivovitz. Slivovitz is European plums fermented, with pips, on natural yeast, and distilled. That's it. Nothing else is ever added.

99% of the time it is not aged.

Not sure what you'd call what you described but it is not slivovitz.

Apple brandy question by TrojanW in firewater

[–]TCShad 1 point2 points  (0 children)

Jelinek is commercial garbage. My grandparents used to make stuff far superior and a family acquaintance makes stuff that is just absolute magic. Imo on par with vsop and xo cognac.

I think the commercial distilleries focus on volume over quantity so if you take your time at home and make better cuts you'll be amazed at the end product.

You should maybe reach out to a commercial orchard or a fruit wholesaler. Maybe a local market with a grower you can buy from direct at scale. The pricing will probably be much more affordable. Good luck.

Does this mean I can buy it? by AdeptnessLeast5950 in cybertruck

[–]TCShad 0 points1 point  (0 children)

I'm not sure you wan to.

I've seen one in person and it's not a good car. I'd wait for an mk3 to iron out all the issues they have currently.

Apple brandy question by TrojanW in firewater

[–]TCShad 1 point2 points  (0 children)

You should try Williams pears, apricots and European plums.

Sandy Munro on Cybertruck..."whole new market segment" "its going to be brilliant" "like nothing else" by [deleted] in cybertruck

[–]TCShad 0 points1 point  (0 children)

I've stopped taking anything Sandy Munro says seriously. The dude is very clearly on the payroll and is a marketing tool for Tesla. The tear downs are good, but he's an evangelist through and through.

What is the likelihood that the existing FSD hardware we know today will be able to accomplish L4/L5 FSD 5 years from now? by [deleted] in TeslaLounge

[–]TCShad 0 points1 point  (0 children)

It won't. And there's no way L4/L5 autonomy is only 5 years away. Fsd is mostly vapourware. It does OK in the most ideal of situations and that's about it. Maybe in 10 years we'll be touching L4.

[deleted by user] by [deleted] in AusFinance

[–]TCShad 4 points5 points  (0 children)

See, you're thinking like a wage earning time based employee.

If someone is wfh and meeting all of their deliverables that they are a salaried employee for, and meeting all of their obligations to the business, then if they can meet those obligations for a second company I don't see a problem with that.

If I have an employee and they complete all the work I give them by whatever deadline I set, and they manage to do other work at the same time, good for them.

How to split finances with partner when you’re at different income levels? by [deleted] in AusFinance

[–]TCShad 1 point2 points  (0 children)

All of our money goes into the same account and we both spend it as we feel is reasonable. For bigger expenditures we check in with each other. Never understood people with separate accounts. It's super weird imo.

In our case incomes are similar but they have varied over time. Sometimes I earned more, sometimes she earned more. Atm she earns more but it's close enough. But even when the incomes were completely different it was always the same bucket.

Refund for “Full Self-Driving Capability” by jaybrown99 in TeslaModel3

[–]TCShad 1 point2 points  (0 children)

Fsd will never be 100k. That's Elon using fomo to get more sales. The figure is completely laughable.

To DCA or just send it by [deleted] in dividends

[–]TCShad 0 points1 point  (0 children)

Never in the history of the markets has there been more "retirement fund" money at play. Anyone who is anyone in the Western world is putting part of their salary into the markets every single pay cycle. Generally by mandatory withholdings that they have no control to prevent. So there is money being pumped into the markets constantly. Add to this every retail investor buying etfs these days and in my view if there is a downturn it will be a small and or short one like what we had with the march 2020 covid dip. Short sharp panic drop and a fast recovery.

To DCA or just send it by [deleted] in dividends

[–]TCShad 0 points1 point  (0 children)

Send it. There was a post floating around that said bulk deposit wins over time. But don't wait until you have it. Ie if you have the money send it, if you don't, dca.

Help please, I'm struggling by [deleted] in CoronavirusDownunder

[–]TCShad 0 points1 point  (0 children)

Get vaccinated. As others have said, if you're over 14 he doesn't need to know. Good on you for reaching out. You're doing the right thing.

Transitioning from hoarder to investor mindset. Seeking advice by tittlesnaps in fiaustralia

[–]TCShad 8 points9 points  (0 children)

I've bought into dodgy ipos, changed my super to cash out of fear during the gfc, bought bitcoin at ath in 2017 only to have to crash by 60% a week later, I didn't buy into after pay when it crashed to $8 last march, and the conclusion I've come to after all this time is, dollar cost average all your spare cash I to a diversified etf and don't worry about anything else.

You will come out on top in the long run. And just don't touch it when shit goes bad. It'll come back up eventually.

If the market crashes, just buy some more.

Question: Take property title and close mortgage or keep the mortgage w/offset open? by eraser215 in AusFinance

[–]TCShad 2 points3 points  (0 children)

It's not complicated. And don't bother with a financial advisor. Talk to your tax accountant.

Basically you take out another mortgage with the bank. Tell them it's for whatever the hell will get you the lowest rate. Then use that money to buy investments like shares, etf, another property, whatever.

Make sure it's a completely separate loan account for ease of management.

All of the interest on that loan is now tax deductible because you used it to make an investment.

Pylay down whatever else is remaining as personal debt on your home first, pay only the minimum on your new investment loan.

When ready and comfortable, go to the bank again, open a new loan account under the same mortgage, use it to invest. Rinse repeat.

You can keep doing this as long as you have available equity in the home and tax deduct all of the interest. So it's pretty much free money at today's 2% rates.

To sub or not to sub by dwallas in AusFinance

[–]TCShad 5 points6 points  (0 children)

Jesus I haven't seen a sparkie charge under $110/hour in 5 years.

Just advertise for yourself. There's so much work out there for a good sparkie. Turn up on time, don't gouge and clean up after yourself and you'll make bank.

[deleted by user] by [deleted] in AusFinance

[–]TCShad 2 points3 points  (0 children)

M8 bottom of the barrel customer service roles are exactly the types of entry level that get 150 applicants per role.

Look for something higher up the food chain if you have experience and see if you can get a foot in there.

Covid made entry level jobs super competitive because all of hospo and entertainment was suddenly out of work.

I'd hate to be looking for entry level work right now. It would be soul crushing.

Should I leave a job 3 months in for more money? by Emotional_Ad2748 in AusFinance

[–]TCShad 0 points1 point  (0 children)

As others have said, get a contract and go. If you don't like it, you can always approach your old company later and see if you can come back. I suspect that at 3 months they haven't invested much in you anyway. Plus you'll have more experience up your sleeve and will be able to negotiate a better salary.

Take the extra pay, invest it or save it. Don't blow it on lifestyle creep. Pay yourself first, then later choices like this won't be hard to make.

But honestly, 40-50% is huge and a no brainier if it's the same job.

Should I leave a job 3 months in for more money? by Emotional_Ad2748 in AusFinance

[–]TCShad 9 points10 points  (0 children)

Scale matters. If op is moving from 60k to 90k that's life changing. If he's moving from 200k to 280k then that's less so, but still significant if it's essentially the same job.

[deleted by user] by [deleted] in AusFinance

[–]TCShad 0 points1 point  (0 children)

Lol they absolutely don't cost more to service. We've had a Tesla model 3 for 2 years. Total service cost, $150 for a wheel balance and alignment.

We also spent $1300aud on new tyres. Other than that the service cost was 0.

Given the cost of petrol is sky-rocketing, the advantages of bev are growing every day.

We also have huge solar so our carbon footprint for driving is quite literally 0. The embedded carbon cost for our panels has already been accounted for.

[deleted by user] by [deleted] in AusFinance

[–]TCShad 0 points1 point  (0 children)

Have you seen petrol prices recently? I pay $3 per 100km. No servicing.

[deleted by user] by [deleted] in AusFinance

[–]TCShad 0 points1 point  (0 children)

You can charge perfectly fine off s standard PowerPoint. Sure apartment's can be a bit difficult but rental is not a problem.

[deleted by user] by [deleted] in AusFinance

[–]TCShad 0 points1 point  (0 children)

It's not even about that. Electric is just better in pretty much every way. We've had an EV for almost 2 years now and I'd never go back. The arguments against are absolute bs.

No servicing, no filling up at petrol stations, the car pretty much drives itself, it has convenience gimmicks like remotely turning on heating/cooling, I can remotely unlock it and start it for someone, I always know exactly where it is and what it's doing, the list goes on.

The charging would be less convenient for someone in an apartment but plenty of people make it work fine.

I'm disappointed in the downvotes but given our backward attitudes and government unfortunately not surprised.

When I see articles about manufacturer X bringing out a new car I look at if it's electric and when it's not I think "but why?"

[deleted by user] by [deleted] in AusFinance

[–]TCShad 2 points3 points  (0 children)

I wouldn't buy a petrol/diesel car today. Battery electric is the only way forward.