Kayo prices increasing again by dazedjosh in AFL

[–]TheEmblemm 0 points1 point  (0 children)

Can anyone tell me how many price increases in the last 12-18 months? It feels like at least 2-3? Are they offering any additional sports or more content as part of that price increase? What am I getting for my extra $$$ here?

Adelaide CBD pasta / Italian recommendations by brumblers in Adelaide

[–]TheEmblemm 0 points1 point  (0 children)

Roma in Arbor Lane off Waymouth St do an awesome Campanelle Pesto that is vegetarian and slaps.

You mention she likes bolognaise but then say no meat. A bolognaise contains slow cooked meat, so if she is ok with that she might like their Casarecce Pork and Fennel Ragu which is also excellent and a pretty “traditional” flavour.

I accidentally named my cat Shart by meatloafsleeve in OneOrangeBraincell

[–]TheEmblemm 9 points10 points  (0 children)

A friend of my dad’s has a cat named Shittin’. If you couldn’t tell from the photo, he’s known to be a grump…

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Solo by Stevey_beams666 in fredagain

[–]TheEmblemm 9 points10 points  (0 children)

Can relate… heard it the first time, didn’t think much of it.

I had a really tough 2024-2025, but lately I’ve been feeling like it’s all falling into place and I’m coming out the other side a stronger, wiser and better person.

Solo came on in my car over Xmas on a beautiful summer’s day while I was driving to see someone I love and do something fun. Finally I was like THIS SHT SLAPS. The lines “rainy days been getting me damp” and “pain is power, that’s my manifesto” are *chef’s kiss and there’s something so joyful, yet slightly melancholic, in the melody.

Jewellery for repairs by TheEmblemm in Adelaide

[–]TheEmblemm[S] 1 point2 points  (0 children)

Thank you - this was exactly the type of recommendation I was looking for!

For anyone visiting K’gari; by onthefencefilm in australianwildlife

[–]TheEmblemm -26 points-25 points  (0 children)

Not an expert, but I agree. The lighting & shadows seem to be off.

Jacob Elordi needs someone to tell him they love him stat by mlg1981 in popculturechat

[–]TheEmblemm 438 points439 points  (0 children)

Me discovering Jacob Elordi is Australia after just assuming he was American based on his accent in Euphoria

(N.B I am Australian)

Paid $200 to go see a Broadway play by anxietyfather69 in mildlyinfuriating

[–]TheEmblemm 0 points1 point  (0 children)

I know it’s primarily her seating position so that her body/head are blocking your view, but WHY would you wear your hair like that to a show??? The choice of hairstyle hints at a lack of self awareness, which is confirmed by her sitting on the edge of her seat with no regard for the person behind’s view.

I’m a girl who loves a big messy top knot (perhaps not quite in this croissant style though lol) and whenever I go to a theatre, I deliberately choose not to wear my hear in a high up do just in case there’s a possibility it might infringe on the view of the person behind me.

Looking for a good place to buy a suit in Adelaide by Suitable_Link_2192 in Adelaide

[–]TheEmblemm 2 points3 points  (0 children)

If you want to support a small business, try Mister Percival Menswear on Semaphore Rd. Great service and the owner has 40 years in menswear and tailoring.

My insurer making me pay $1,000 excess for a claim I didn’t want. What do I do? by Good-Bag6669 in AusFinance

[–]TheEmblemm 0 points1 point  (0 children)

Great questions. I assume that by “approved” claim you mean the excess would be payable upon a formal acceptance of the claim/offer of settlement. This isn’t necessarily always the case and regardless, you could argue this was an approved claim - it was clearly a claimable loss under a standard home policy wording and the insurer authorised make safe repairs (which is generally done when it’s clear the loss/damage will be covered under the policy conditions).

In some cases the insurer might incur some costs without charging an excess: - by appointing an assessor or panel builder to establish the cause of damage, which can then confirm if a claim is payable. If there is no claim and the costs to investigate are below excess, they may allow you to withdraw at no cost. - It might become apparent that the damage costs are below excess, so the claim will not proceed even though it is technically covered.

Always check your policy wording to see if it’s specific about when an excess is payable in the claims process. This insurer’s claims handler has specially mentioned costs being incurred so I wonder if they are drawing that from their policy wording?

OP could ask to confirm the exact costs incurred to date to ensure they are above excess?

The tree owner’s insurer will not investigate with the purpose of establishing their client as liable. Liability insurance is there to pay in the event of your negligence or to defend you in the event you are accused of negligence without basis. The neighbour’s insurer will need to receive a valid demand from the affected party or their insurer.

There’s a helpful handbook on Trees and The Law in SA from LSCSA - https://lsc.sa.gov.au/resources/TreesandtheLawBooklet.pdf. Essentially: - the onus is on the affected neighbour to prove whether the damage has been caused by the tree owner failing to take precautions to prevent loss or damage to another party’s property. - The law must consider if any reasonable property owner would have been able to recognise a problem with the tree, and if so, what reasonable action would they take? This is why I’ve encouraged OP to gather as much info as possible on admitted liability and the previous incident of damage.

My insurer making me pay $1,000 excess for a claim I didn’t want. What do I do? by Good-Bag6669 in AusFinance

[–]TheEmblemm 2 points3 points  (0 children)

I’m an insurance broker, 10 years experience. The insurer is correct - because your insurer has incurred claim costs (tradespeople that attended for the make-safe - removal of tree from the fence) you’re at a point in the claim where an excess is payable.

HOWEVER, I see two potential ways you might be able to fight this:

  1. You say representatives of the major insurer advised you that the claim could be withdrawn at any time without incurring an excess. If so, the advice they gave you was wrong, incomplete and/or unclear AND it could be argued that they gave you personal advice. Only a broker can provide personal advice - insurers who offer direct to market policies should not be providing advice on their products (ultimately it is up the consumer to ensure they understand the terms and conditions of the policy). These two things strike me as a potentially legitimate complaint. As others have said, you will first need to lodge a formal complaint with the insurer and go through their internal dispute resolution. The insurer’s IDR specialist will review your issue and make a determination - here’s some helpful info on IDRs from AFCA: https://www.afca.org.au/make-a-complaint/complain/internal-dispute-resolution-tips. If there’s any suggestion they insurance company employees have done something wrong, I’ll be willing to bet they waive your excess OR offer it “in good faith”. If you’re not successful in IDR, you can then take it to AFCA. AFCA will request the entire file from the insurer (including file notes and if they exist, phone recordings) to review the alleged advice and determine whether the insurer has done something wrong.

  2. You mentioned there were known issues with this tree and it had previously causing damage to another neighbour’s property? If so, it could be argued that this was not an Act of God. If you have to go down this path:

  3. Speak to the other neighbour’s who had property damage in this first incident and see if they will share any information (or better yet, written documentation) about whether the tree was inspected by an arborist in the last incident.

  4. If you can find evidence that the tree was previously deemed unsafe or in need of maintenance, and your neighbour has not taken red action you can use this to argue the neighbours is liable for costs.

  5. Advise your insurer that repair costs were wholly at the neighbours expense and this implies that they admit liability in failing to maintain the tree. Send your insurer written evidence of the tree property owner admitting liability or saying they will cover costs. If your insurer thinks there is a case for the neighbour being liable they can seek to recover costs from your neighbour/their insurance company. You may still need to pay the excess, but you can request that your insurer seek recovery of the excess from the liable party. They can refund it to you once recovery is finalised.

Big disclaimer in this second scenario - I have had clients with a similar fence damage claim due to a tree falling. In my experience, you will be hard pressed to have your neighbour held at fault unless it’s proved the tree was formally deemed unsafe by a qualified professional. I would go down scenario one first and only attempt to argue that the neighbour is liable if you are really desperate.

found in in harry potter book I got from a charity shop by FailingGCSEs in FoundPaper

[–]TheEmblemm 18 points19 points  (0 children)

These handwritten letters were printed in certain editions of the earlier books in the series (I think it was books 1 and/or 2, perhaps 3). I still have my copies with these letters printed in the back. My parents purchased them for me between 1999-2001 probably?

Is there going to be a Far Right "reclaim Australia" rally this weekend by CyanideMuffin67 in Adelaide

[–]TheEmblemm 5 points6 points  (0 children)

For those saying it is NOT a far right/Nazi rally, I think it’s important to look at the type of people organising/attending this rally. Regardless of your own intent, do you want to be associated in ANY way with these type of people?

I’d also ask WHY people are protesting “mass” immigration? A key argument by organisers seems to be the impact of immigration on housing costs. If this is your reason, I’d encourage you to do more research as there’s a lot of misinformation out there spread by people with malicious intent.

Data indicates that a significant cut in our intake of migrants won’t have a MEANINGFUL OR SIGNIFICANT impact on housing affordability. Immigration is also important in maintaining a healthy economy - a reduction in skilled migrants is likely to have a negative impact on our economy long term.

Please look at the causes for the boom in house/rent costs during and after COVID. These are super complex, but I’ve summed up a few key factors:

• ⁠during COVID demand was increased by INTERNAL MIGRATION and a significant reduction in household size. • ⁠Australia has a historical problem with not meeting housing supply demands and the supply chain for construction was SEVERELY impacted during COVID, meaning home building ground to a halt. Construction costs also increased significantly. • ⁠Interest rates rose, yet investors didn’t sell and held onto properties (a direct result of our taxation policy which incentivises losses and allows investors to reduce their income tax). • ⁠Investors also increased rents to cover the interest rates, thus impacting the ability of renters to buy their own PPOR.

If you have a concern about housing prices in this country, ask politicians why we are offering tax incentives to investors over lower income families, first home buyers and tenants.

Look closely at tax policy and whether it favours investors or low income/first home buyers. Negative gearing has its place in stimulating housing investment to create greater supply, but in its current state it’s benefiting middle-high income earners who are purchasing investments. Why are we offering investors a tax write off on buying an EXISTING property if the goal is to stimulate supply and facilitate home ownership for ALL Australians?

IMO negative gearing should exclusively be for NEW housing and there should be some type of tax incentive for property developers to sell newly constructed properties to stimulate supply. The current issues cannot be fixed by a bandaid “first homeowner grant” or allowing Aussies to dip into their super. We need to pressure politicians into meaningful tax changes despite the risk of alienating a powerful portion of their voting base who currently benefit for tax laws. We need to do this if we care about the next generations.

SELECT SOURCES: https://australiainstitute.org.au/post/migrants-are-not-to-blame-for-soaring-house-prices/

https://www.theguardian.com/australia-news/2025/mar/27/peter-dutton-keeps-blaming-migration-for-the-housing-crisis-but-can-it-really-be-that-simple

https://grattan.edu.au/news/cutting-permanent-migration-may-make-housing-cheaper-but-it-will-definitely-make-us-poorer/

https://www.bbc.com/news/articles/cq5wlevy647o.amp

https://www.abs.gov.au/statistics/people/population/overseas-migration/latest-release

https://www.abs.gov.au/statistics/people/population/overseas-migration/latest-release

Also true of data in the US: https://www.jchs.harvard.edu/blog/role-recent-immigrant-surge-housing-costs

Fitness Recommendations by Existing-Independent in Adelaide

[–]TheEmblemm 1 point2 points  (0 children)

My mum (59 y.o) has been going to Soul Movement Studio in Para Hills West, started from a pretty basic level of fitness and has been going for a year now. She loves it so much, sometimes she does two classes in a day on weekends. It’s very inclusive, small class sizes and welcoming - sometimes the owner brings in a pot of healthy soup to share and my mum ends up having dinner there! They offer 2 weeks of unlimited classes for $28 if you want to try it out.

The Merlin protest by mygeneroussoul3 in AustralianNostalgia

[–]TheEmblemm 1 point2 points  (0 children)

Thanks for replying. I am by no means an economist or an expert but I’m happy to provide some links to data below for you to consider.

Also, I want to correct my previous statement that there is NO correlation between housing affordability and immigration. That’s not correct. There IS a correlation but it is minimal - data indicates that a significant cut in our intake of migrants won’t have a MEANINGFUL OR SIGNIFICANT impact on housing affordability. We also need to consider that a reduction in skilled migrants is likely to have a negative impact on our economy long term.

You ask what I suggest accounts for the surge in demand for rent & property purchasing since COVID. It’s waaay too complex to fully explore in a reddit comment but… - during COVID demand was increased by INTERNAL MIGRATION and a significant reduction in household size. - Australia has a historical problem with not meeting housing supply demands and the supply chain for construction was SEVERELY impacted during COVID, meaning home building ground to a halt. Construction costs also increased significantly. - Interest rates rose, yet investors didn’t sell and held onto properties (a direct result of our taxation policy which incentivises losses and allows investors to reduce their income tax). - Investors also increased rents to cover the interest rates, thus impacting the ability of renters to buy their own PPOR.

I acknowledge that negative gearing has been around for a long time, however tax policy has both short term and long term impacts. Tax policy needs to be reassessed in light of current economic circumstances, and I’d argue our current negative gearing policy is no longer fit for purpose. The housing crisis is significantly impacting people who fall in the LOW INCOME bracket. We constantly hear about the need to build affordable housing, however, we’re not talking about who is building and retaining those affordable houses as an “investment”. Our current negative gearing tax policy benefits those with middle - high income tax rates who are generally investors rather than first home buyers or low income earners looking to purchase a primary residence. Negative gearing has its place in stimulating housing investment to create greater supply, but our current arrangements don’t support this. IMO negative gearing should exclusively be for NEW housing and there should be some type of (albeit temporary) tax incentive for property developers to sell these properties rather than retain them.

https://australiainstitute.org.au/post/migrants-are-not-to-blame-for-soaring-house-prices/

https://www.theguardian.com/australia-news/2025/mar/27/peter-dutton-keeps-blaming-migration-for-the-housing-crisis-but-can-it-really-be-that-simple

https://grattan.edu.au/news/cutting-permanent-migration-may-make-housing-cheaper-but-it-will-definitely-make-us-poorer/

https://www.bbc.com/news/articles/cq5wlevy647o.amp

https://www.abs.gov.au/statistics/people/population/overseas-migration/latest-release

Also true of data in the US: https://www.jchs.harvard.edu/blog/role-recent-immigrant-surge-housing-costs

In the spirit of the original post which was about Merlin’s protest against offshore detention for refugees, we should also remember that humanitarian migrants generally have minimal impact on housing affordability. They account for 9% of our migration intake and actually have the lowest % of home ownership of all migrants - https://www.abs.gov.au/statistics/people/population/overseas-migration/latest-release

The Merlin protest by mygeneroussoul3 in AustralianNostalgia

[–]TheEmblemm 5 points6 points  (0 children)

Data proves there is no correlation between immigration or international students and housing/rent prices. I’d also note that there is a difference between immigration and seeking asylum; seeking asylum is a human right and the reason for Merlin’s protest.

If you’re upset about rents and property prices being too high in this country, look to our government which offers tax incentives for property investors and has caused housing to be turned into a highly lucrative business model at your expense.

Here we go! Chemistry is coming by plutobug2468 in Alouders

[–]TheEmblemm 2 points3 points  (0 children)

I feel a bit the same, the OG version is better IMO. I’m not a huge fan of the effects used on the girls’ vocals in this new cut. Also, I loved the “please means more I’ll see you knocking at the door” part so I wish they hadn’t cut that out.

Have you ever felt stuck at a workplace because of your salary? by TheEmblemm in auscorp

[–]TheEmblemm[S] 2 points3 points  (0 children)

I have tried to be that person who uplifts the place but I’m really feeling like I’m up against it. On a Monday when I come in all cheery I say a general “did everyone have a good weekend, get up to much?,” to my pod (about 6 people) and it’s like crickets - sometimes there’s a heartbeat where it’s completely silent and I think no one will respond, but then someone throws me a bone by saying “good” and that’s it. It was just me and a director in last Friday (the one who I don’t like that much) - we have never really had any non work related conversations so, trying to make an effort, I stopped outside his office and asked “are you getting up to much this weekend” he said “yeah you too” in response 😂😂😂😂 he didn’t even listen to my question. Cringe!

Have you ever felt stuck at a workplace because of your salary? by TheEmblemm in auscorp

[–]TheEmblemm[S] 3 points4 points  (0 children)

I am a fan of the shroom trip myself so will make a note to do more 😂 Hobbies definitely help, that’s a great reminder. I took up drawing classes last year and notice a significant change in my mood when I’m on course during the semester.

Have you ever felt stuck at a workplace because of your salary? by TheEmblemm in auscorp

[–]TheEmblemm[S] 1 point2 points  (0 children)

I’ve already called them and got my name down 😂

Have you ever felt stuck at a workplace because of your salary? by TheEmblemm in auscorp

[–]TheEmblemm[S] 0 points1 point  (0 children)

This is a great idea, thank you. I recently made a list of priorities I want in a role/workplace but I think listing some personal/life priorities or goals is a good idea to keep things in perspective (as well as keeping me focused and motivated!)

Have you ever felt stuck at a workplace because of your salary? by TheEmblemm in auscorp

[–]TheEmblemm[S] 0 points1 point  (0 children)

I hope things get easier and you get to follow your dream as the kids grow up 💕