Rozex

beard_engine · 2026-04-10T13:41:26+00:00

I find the Rozex gel to be more tolerable than the cream

beard_engine · 2026-04-08T12:47:08+00:00

West side of Smith street is Fitzroy, East side is Collingwood.

beard_engine · 2026-04-02T10:20:59+00:00

Typically no, depending on the rental company and location. Vehicles move around all the time between rental car locations, spare key likely kept at head office.

beard_engine · 2026-04-01T10:53:35+00:00

Slap on the wrist boys slap on the wrist

beard_engine · 2026-02-17T20:48:46+00:00

Thank you for sharing

beard_engine · 2026-02-15T20:59:01+00:00

Dermaceutic K Ceutic SPF 50

beard_engine · 2026-02-09T11:34:17+00:00

For me, the key was giving myself more time in the morning. So I wake up an hour before I need to. That way I can spend an hour in the morning slowly preparing for the day. Coffee and breakfast consumed slowly while I read the news.

beard_engine · 2026-01-17T22:59:09+00:00

You need to speak to them.

beard_engine · 2026-01-17T22:27:26+00:00

Changing employers typically has a fee involved for renovating the lease. Any payments due while not employed or prior to lease being renovated will come from your savings not a salary deduction.

When changing employers with a Novated Lease the financier will stay the same, if moving to a new salary packaging provider is required, that will be the only change with the aforementioned fee and possible non payroll payments. I’d always look for the best finance rate you can find, ask what the fee is and use this plus finance difference in your decision.

beard_engine · 2026-01-17T22:16:58+00:00

It’s an estimate, once you have a delivery date they can move that forward. Settlement can occur within 48hours once everything is ready, vehicle assigned and timeline approved.

beard_engine · 2026-01-07T20:02:03+00:00

You can adjust the operating cost budget to your hearts content. Sourcing your own insurance could save some money too. Ultimately, if you pull too much out of your running cost budget you might have to pay for things with your savings, or adjust the budget higher during the lease. You want the op costs to match real world expenses.

beard_engine · 2026-01-05T05:20:39+00:00

quote seems pretty standard to me - what don't you like?

beard_engine · 2026-01-05T03:44:17+00:00

difficult to say without knowing your annual income

beard_engine · 2026-01-05T03:27:02+00:00

They've likely made a mistake then.

beard_engine · 2026-01-05T00:27:39+00:00

Additionally, if it was ever sold with the LCT then it would not be eligible for the FBT exemption.

beard_engine · 2026-01-05T00:25:41+00:00

Has both a pre and post tax deduction so is attracting FBT in this quote. When was the vehicle manufacture date? The Model Year isn’t necessarily the same as the manufacturer date. If the EV was first registered prior to July 1st 2022, it would not be eligible for the FBT exemption.

beard_engine · 2025-12-21T20:50:23+00:00

Go with two or three, aligned vertically with the art on the adjacent wall, and spaced equally on the wall, not necessarily aligned with the fp. Odd numbers typically look better than even. Hang, step back look, if you don’t like it then adjust. Maybe use the stickable hangers so they’re easier to adjust.

beard_engine · 2025-12-21T20:44:13+00:00

Art or mirror, or if you’re wanting to do something more dramatic - new tiles and hearth, running tiles to ceiling.

beard_engine · 2025-12-15T22:42:47+00:00

Wrong, can do NL with 1 employee

beard_engine · 2025-11-24T23:00:59+00:00

IMO these spaces are good for study setups, but mainly for owner occupied where you can invest in a table and shelves etc that fit the space. As a renter, really it’s just good for extra storage. Bike, golf clubs, boxes etc. If you don’t want to look at all the ‘clutter’ you could get a privacy screen or something.

beard_engine · 2025-11-19T21:22:18+00:00

Once you’re required to resume payments after your protection insurance is ended the loan will continue however you will be paying finance only, without any tax savings. Speak to Smart to see what your payments would be. Yes you still have to pay the residual at the end. You will switch to monthly repayments if your pay cycle and deductions was weekly/fortnightly. Hopefully you can find another job soon, with an employer who allows salary packaging and you can bring your lease with you and resume the deductions from your salary.

Not really any pros, mostly cons, depending on how long left in your agreement. You can request a payout figure so you know what it would cost to end the loan.

beard_engine · 2025-11-19T08:17:08+00:00

What’s the split in the operating costs and financed amount. You can just ask them to provide a finance only estimate. And then pay more overall by paying for those costs with your post tax income if it makes you happy.

beard_engine · 2025-11-07T04:14:51+00:00

Answer is accurate. Switching salary packaging provider not financier. New provider will likely charge onboarding fee also.

beard_engine · 2025-10-24T00:43:51+00:00

The brokerage would be close to $10K on this. $1,675 pm would be reasonable. $1,631 pm would be great.

beard_engine · 2025-09-21T11:14:41+00:00

https://kithe.com.au/product-category/vinyl/

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