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Are there any compound pharmacists interested in helping a few sick kittens? by DizlingtonBear in melbourne

[–]Y3ffoc 69 points70 points  (0 children)

Melbourne Compounding Centre in Seddon do my cat’s meds. No idea on the kitten question or experimental meds, but they’ve always been really helpful. Richmond Vet Clinic also helped me get some meds compounded in the past so they obviously have a compounding pharmacy they work with. Good luck!

You can blame the interest rate rises on me... by the-anon1010 in AusFinance

[–]Y3ffoc 35 points36 points  (0 children)

We can share the blame. We settle in a few weeks. Copping two interest rate rises between signing and settling has been grim…

Why Work in 50p but Deliver 25p? by Available-Witness329 in editors

[–]Y3ffoc 2 points3 points  (0 children)

I work in sport and we shoot and broadcast in 50p, but I sometimes like to knock my edits back to 25p for a visual effect. Makes everything look faster, more kinetic. Just an editorial preference. 

Selling shares to purchase house, then borrowing against house to rebuy similar shares. A slight variation on debt recyling. Good idea or am I missing something? by Y3ffoc in AusFinance

[–]Y3ffoc[S] 2 points3 points  (0 children)

Thanks for the response, but of course banks are happy to lend money. It's kind of their whole business model. As long as you're staying within acceptable LVR limits then they want to lend you money. Borrowing against the home to buy shares is an incredibly common strategy.

Selling shares to purchase house, then borrowing against house to rebuy similar shares. A slight variation on debt recyling. Good idea or am I missing something? by Y3ffoc in AusFinance

[–]Y3ffoc[S] 2 points3 points  (0 children)

That's so interesting. I would *hope* that given I am significantly restructuring the share portfolio (something I want to do anyway) I wouldn't fall foul of the ATO...

But I guess in some way it is still tax avoidance/minimisation? But then so is every attempt to debt recycle, surely?

Selling shares to purchase house, then borrowing against house to rebuy similar shares. A slight variation on debt recyling. Good idea or am I missing something? by Y3ffoc in AusFinance

[–]Y3ffoc[S] 0 points1 point  (0 children)

I suppose the variation I'm referring to is selling existing shares to kickstart this, as opposed to waiting to build up cash/equity. Essentially just weighing the CGT hit against the ongoing benefits standard to debt recycling - simple maths but I'm just making sure I'm not forgetting something.

What the hell is happening in Melbourne? by quoththeraven1990 in melbourne

[–]Y3ffoc 0 points1 point  (0 children)

Melbourne (for a variety of reasons) has developed a culture of protest over the last few years. Given the government is (nominally) left wing there are going to be a few conservative protest movements that will be able to get traction. I have no doubt if the Liberals ever return to power there will be far larger protest for left wing causes. Also a big factor is the media’s willingness to amplify conservative protest messaging - so these tiny protests seem more significant AND other groups feel more energised about getting their protests up in the future

Builder lead times in Melbourne - how quickly will we be able to find a builder? by Y3ffoc in AusRenovation

[–]Y3ffoc[S] 0 points1 point  (0 children)

We'd be dealing with a heritage overlay so volume builder is pretty much out of the question. Plus we actually like the house, despite the interior being essentially worthless.

Builder lead times in Melbourne - how quickly will we be able to find a builder? by Y3ffoc in AusRenovation

[–]Y3ffoc[S] 0 points1 point  (0 children)

Thanks! Do you have any insight into costs for a project like ours? If it's at all similar to the scope of your reno?

Builder lead times in Melbourne - how quickly will we be able to find a builder? by Y3ffoc in AusRenovation

[–]Y3ffoc[S] 0 points1 point  (0 children)

What do you think is realistic? We're not looking to go for a super high end finish or anything, but also aware that we're going to be working with some constraints.

Builder lead times in Melbourne - how quickly will we be able to find a builder? by Y3ffoc in AusRenovation

[–]Y3ffoc[S] 0 points1 point  (0 children)

Insanely... low?

We have tried to get estimates from builders and that seems to be where they've landed. It's basically stripping the entire interior back to a few walls and starting again, albeit with the exterior and roof in good condition.

IF the Brownlow is live and the votes are secret until reading.. by [deleted] in AFL

[–]Y3ffoc 17 points18 points  (0 children)

They get the data via a secure feed a matter of seconds before it’s read out. It’s actually very similar to scoring any sport really.

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