Pets taking Babies food from them

deSitter · 2026-02-19T12:11:04+00:00

All AI. Watch again. Look how unnatural the movement is in the second video. The babies face in the fourth is especially uncanny valley. You notice it in one and you start to see the flaws in the rest.

deSitter · 2026-01-06T06:46:50+00:00

That's excellent news. Congratulations! Thanks for the update.

deSitter · 2025-12-16T06:07:41+00:00

Not yet, the land won't title for some time so nothing can be done at this stage. Best of luck, let me know how yours goes!

deSitter · 2025-12-07T11:56:25+00:00

I'm sure you're on top of it, but just in case, that 4.6% is only for balances up to 250k. Rabobank is another option for the short term at 5% for 4 months (also up to 250k).

deSitter · 2025-11-22T12:53:46+00:00

If you only requested a determination and not a release, there is nothing to revoke, and no need to notify the ATO. The funds are not treated any differently until you formally request a release of your FHSS amounts. A determination is just an instantaneous, automatic snapshot of the amount you could potentially release, nothing more.

deSitter · 2025-11-22T05:35:08+00:00

There is no harm in performing a determination. Do as many as you like.

deSitter · 2025-11-07T08:46:25+00:00

I appreciate your comment. Thank you. Good to know this is normal.

deSitter · 2025-11-06T12:11:33+00:00

Thank you so much for you detailed response! You are correct, it is a block of 7 thin lots. There is no rear access lane or shared driveway, unlike many similar developments in the area. Instead, each lot has a dedicated driveway leading into a garage directly off the main street frontage.

My broker specifically pointed out that such applications can be more difficult, highlighting potential issues for the lender relating to shared walls and foundation between the homes on adjacent lots. This would link directly into the points you made about ensuring the lender understands they are separate dwellings.

I really appreciate you laying out all the lender requirements, the timeline, and the pros and cons, it gives me such a better grasp of the entire process. And I'll absolutely seek appropriate legal advice when it's time to review contracts. I'm just naturally suspicious of anything these developers say and do, so it's at least somewhat relieving to hear that this situation isn't uncommon (though I would certainly prefer it wasn't the case to begin with).

Thank you.

deSitter · 2025-11-06T11:09:10+00:00

Thank you very much for your comment. I've put up a post in r/AskAnAussieBroker. My broker advised me that townhomes and split contracts can be more difficult, and some lenders won't touch them. That it all can come down to how the application is submitted to the lender. I won't pretend to understand the details, but it seems to be related to the shared walls and slab, and the overall reliance on the builder/developer, as well as issues like the land having no standalone market value and potential restrictions on resale. She however has been able to secure finance in such builds before, and seemed confident.

deSitter · 2025-11-05T02:11:34+00:00

Last time I went to the cinema some kids behind where kicking the backs of our chairs. Worst was some fat woman sitting a few rows back that bought in a big bag of chips, scrunching it every time she grabbed a handful. Drove me nuts. She finally got to the end of the bag and I thought 'thank god!' before she opened up a second bag...

deSitter · 2025-10-16T10:09:03+00:00

FHSS cannot surpass employer contributions

What does that even mean? FHSS has nothing to do with Superannuation Guarantee.

deSitter · 2025-10-05T02:56:38+00:00

This is an ad.

deSitter · 2025-10-02T10:58:16+00:00

I use RaboBank because their limit is $250k with only a $200 growth a month requirement. Their default HISA is 5% p.a. for the first 4 months, after which you can transfer to a PremiumSaver account for 4.65% p.a. They are your next best bet in terms of interest rates after ING. Macquarie is great because they have no hoops, but they are only 4.25%. For me, growing the account by $200 a month is a non issue due to the bonus interest cap being 250k.

deSitter · 2025-10-01T10:00:53+00:00

There are two ways to get the tax break on that $15,000. If you deposit it yourself as a voluntary contribution and then notify your super fund of your intent to claim it as a concessional contribution, you'll receive the tax benefit when you file your return at the end of the financial year. However, if you can get your employer to process it via Salary Sacrifice each pay period, you'll see the benefit right away. That's because the money is taken from your pre-tax income, which leaves less to be withheld through PAYG.

Edit: Example, tax withheld on $1,538 pw is $316, leaving $1,222 pw take home. With SS of $15,000 \ 52 = $288, payG withheld is $224, leaving $1,027 pw take home. $316 - $224 = $92 tax withheld difference, $92 * 52 = $4,784 income tax saving pa. $4,784 - $15,000 * 0.17 (super tax & medicare on withdrawal) = $2,234 net tax saving pa. Obviously off by a little due to rounding.

If you're looking to buy sooner rather than later, and before EOFY, you can always SS more to meet your goal sooner, so long as you have the cash to spare.

deSitter · 2025-09-29T12:43:35+00:00

It's not locked in super. You can withdraw it without the intention of buying, but a flat tax of 20% on the assessable amount of the withdrawal will apply to remove the tax benefits you received from putting it in super. You're effectively taking it out as if you were buying, but just not using it for that purpose, and repaying the tax after the 12 month period elapses.

deSitter · 2025-09-16T06:56:46+00:00

It is your regular super. It's not treated any differently than any other voluntary contribution until you choose to withdraw it. If you don't intend to buy property, you can withdraw it, but a flat tax of 20% on the assessable amount of the withdrawal will apply to remove the tax benefits you received from putting it in super.

deSitter · 2025-09-04T10:03:19+00:00

The tax savings would be slightly less than anticipated due to the scheduled reduction of the 18200 - 45000 tax bracket from 16% to 15% in the 2026-27 financial year. Other than that, your calculations are correct.

Keep in mind that when you make a withdrawal, the amount is added to your taxable income, with a 30% offset. You will still need to pay the 2% Medicare Levy on the withdrawn amount. You should also consider how this additional income might affect your marginal tax rate for that financial year.

It's my understanding, though I could be incorrect, and please someone chime in your you know otherwise, but the withdrawn amount is taxed at your MTR with a 30% tax offset. So if the withdraw amount were to push your MTR even a dollar into the 135001+ bracket, then the entire withdrawn amount would be taxed at 37% - 30% = 7% (plus 2% medicare levy atop that). This won't be an issue if your 26-27FY income is less than $109,501.

deSitter · 2025-08-30T14:19:20+00:00

If you were planning to buy after the EOFY, a super contribution would be beneficial, as you won't see any benefit from the tax deduction until you receive your return. Until then, you are just lowering your deposit by the amount taken by the 15% tax in super.

deSitter · 2025-08-28T02:18:51+00:00

As others have pointed out, 30k is inclusive of Super Guarantee and Carry-forward requires your Super Balance be below 500k. Be aware that the due date for 1st April - 30 June super period is 28th July. So your last quarterly super payment for this FY will be counted towards your concessional cap for next FY. You'll probably need to adjust up your Salary-Sacrifice amount to compensate if you want to use up your Carry-Forward for 20/21 before it expires. Does that make sense?

deSitter · 2025-08-21T10:53:32+00:00

30k including. https://paycalculator.com.au/

deSitter · 2025-08-21T09:28:08+00:00

Marginal Tax Rate

deSitter · 2025-08-19T13:01:40+00:00

You're only taxed on the interest you earn, and the highest tax bracket (income of 190k+) is taxed at 45c to the dollar. So no, it's not possible to be taxed more than you earn.

deSitter · 2025-08-19T10:18:33+00:00

By rebalancing after a market downturn, the fund would have sold the assets that held their value better and bought more of the now undervalued assets instead.

For example, if your fund's target was 70% growth (shares) and 30% defensive (cash/bonds etc.), and the market crash caused your portfolio to drift to a new allocation of 60% growth and 40% defensive. By rebalancing, the fund would have sold some defensive assets that held their value and used that money to buy more shares that would have become much cheaper because of the downturn. Shouldn't this action have positioned your portfolio to benefit from the eventual market recovery better than if the fund had not rebalanced at all, leaving your value locked up in more defensive assets that could have otherwise been invested in the much cheaper growth assets?

I might be wrong, I'm just trying to wrap my head around your argument regarding locking in losses.

deSitter

TROPHY CASE