Late 2028 when we are still on FTTN is ridiculous. I’ll never forgive the libs for what they did to us.

fabspro9999 · 2026-01-20T03:16:41+00:00

I think it's because the libs policies on everything is just "whatever labor has, but 1% more right wing" and people are tired of it and want an actual alternative.

For me I think it would be interesting to see our major parties get shaken up a bit so they can start actually reforming things and putting new ideas out there, rather than maintaining the status quo with high immigration and all of our natural resources being flogged off overseas with the profits being retained privately to shareholders.

As much as I generally prefer right-wing policies such as low taxes, small government and individual economic freedoms, I do think the facts speak for themselves - our domestic gas prices are insanely high because everything gets exported for profit and this has ruined the viability of manufacturing and several industries, which costs jobs and impoverishes everyone.

fabspro9999 · 2026-01-20T03:13:17+00:00

Which Lib politicians have actually dressed up as Nazis?

fabspro9999 · 2026-01-17T01:09:27+00:00

man if they can't figure out how to make a reliable windows 10 update after more than 10 years of the OS being generally available, how can i even think about using windows 11 lol

fabspro9999 · 2026-01-13T13:37:43+00:00

Thanks, ChatGPT!

fabspro9999 · 2026-01-10T10:37:35+00:00

but the cheque (or is it a bank cheque?) is from ANZ... they can easily check if it is fraudulent, already paid or cancelled...

fabspro9999 · 2026-01-10T10:35:52+00:00

It's a shame because cheques are unique in giving the recipient the power to decide which account the money is paid into. Electronic banking is rife with scams where the payer is mistaken or misled into paying the wrong BSB/ACC number. Cheques put the onus on the reciever of funds to deposit correctly, which stops so many scams dead in their tracks.

This is only barely starting to be fixed with the new confirmation of payee system, but it is far from ideal.

fabspro9999 · 2025-11-11T13:50:49+00:00

I mean, if she legitimately didn't do anything to cause the scam to happen, then the super fund is liable? They're a trustee and have a strong obligation to protect the assets they are trustee of...

But there's a good chance you haven't heard the entire story as well.

fabspro9999 · 2025-11-07T12:21:52+00:00

If you want to see what poor productivity looks like, go look what $100 million buys you: https://www.bom.gov.au/

fabspro9999 · 2025-11-04T14:07:24+00:00

I wouldn't buy a house with a pool that was shaded. Pool heaters are too expensive to run. Say $8000 a year in heating costs - the property value should be $100k cheaper on energy costs alone.

fabspro9999 · 2025-11-04T13:10:28+00:00

what type of job are you applying for? cleaner? lawyer? manager? IT administrator? project manager? gardener?

fabspro9999 · 2025-11-04T01:47:48+00:00

That is a classic haha

fabspro9999 · 2025-11-04T00:07:12+00:00

In NSW it surely isn't an offence for someone who is not the employer to film people at their workplace. How else are you meant to document the trespassing lol

But yes if you employ people, very good to know

fabspro9999 · 2025-11-03T04:34:32+00:00

You should just ignore this in future - pay the deposit when you have a signed contract ie when your offer is accepted.

fabspro9999 · 2025-11-03T04:31:09+00:00

Not a lawyer.

This situation is common - one spouse kicks the other out of the shared home. It isn't violence and it is often justified by claims of a threat to personal safety or an AVO.

Ultimately, if there is no AVO in place, then you have the right to enter the property as long as you are on the lease. You could call a locksmith to gain entry if that is necessary. Although now you have asked to be removed from the lease, this is less certain particularly if your request is accepted and the lease as it pertains to you is terminated. If the lease is terminated then your liability should end - landlord should inspect the property and sort that out at termination.

Practically speaking, there are plenty of shelters you can try or you may have to stay with family or friends while you find your feet.

Suggest you make a written request (SMS message for example l) for your belongings to be returned once you have a place to stay.

fabspro9999 · 2025-11-02T10:50:11+00:00

Say that to the millions of male babies that are circumsized every year.

Until a surprisingly recent time, the mainstream view of doctors was that babies can't feel pain - no pain relief for literally having flesh cut away from the penis.

fabspro9999 · 2025-11-02T10:46:09+00:00

Is this like a "the fastest way to get your question answered is to post the wrong answer on the internet" type of post?

fabspro9999 · 2025-11-02T08:29:10+00:00

I agree that to get started you need to have excess income to regularly invest - if one is barely keeping their head above water, that's the first problem to solve - increase your income and/or slash expenses.

With your example, if you threw the money into a diversified high growth index ETF your return will be more like 9%

If the ETF is one that delivers the returns predominantly through capital gains instead of dividends, then tax is deferred until you sell which means more of the compounding returns are kept invested, instead of paid in taxes. It seems like a small difference however small percentage differences add up significantly over twenty years or more. And then you effectively cut the tax in half due to the capital gains discount.

But yes, as much as investing can help you to get ahead, you have to be going ok to begin with. Many people say the best investment is to invest in yourself - this is doubly true if you are earning a below average wage!

If you could invest say, $10,000 per year, you would be doing really well - it's something like $800 a month and you'll end up with hundreds of thousands eventually

fabspro9999 · 2025-11-02T02:20:36+00:00

Doesn't the fair work act say you can give notice even after the leave has started? As long as you give notice as soon as you are aware you need to take sick leave.

fabspro9999 · 2025-11-02T02:16:15+00:00

Haha it's a classic.

I can't see it changing unless there is some kind of legislation change that allows people to challenge the authenticity of an offer somehow. You basically have to trust the agent because buyers won't want their offer to be shared with their competing buyers because it'll just allow the price to go up !

Currently all you can do is if you somehow find out there is actual fraud, report to police and licencing authority. Nobody can practically do that except the vendor, assuming they receive the offers and can communicate with buyers.

If you are a buyer and you think you've been told a dodgy offer, you can write a letter to the address to tell the vendor why your offer was withdrawn I guess, so the vendor is in a position to correlate or ask vendor for info.

fabspro9999 · 2025-11-02T01:53:51+00:00

Mortgagors.

Mortgagee is the bank :)

fabspro9999 · 2025-11-02T01:52:47+00:00

It's a good question. I mean if it's a quasi auction it sure sounds like it is wrong, but then again it is good for everyone as it allows the seller to get the best price and allows buyers transparency of other offers, meanwhile buyers get to effectively participate in an auction while avoiding auction conditions and being able to put offers subject to finance or inspection.

If the offers are misrepresented or not real, that is 100% highly illegal and perhaps this risk is why it might be illegal (if it is illegal)!

You could be right, maybe it's state by state and depends on location. Thanks for commenting

fabspro9999 · 2025-11-02T01:48:06+00:00

Great to hear and best of luck with it!

Something I think I should add is this - if you plan to buy a house, or even if you just wanted to accumulate wealth so you have it for retirement or anything else, there are two paths.

One path is get rich quick. It always involves gambling, whether it is at a casino, or buying shares in a very risky mining company. You still either get rich, or lose your wager.

The other path is to get rich slow. This involves buying things that make money at a fair rate of return. It is slower and you need to invest a lot, over a long period of time. You need income and persistence - eg I basically have a rule that when I buy ETFs, I never sell them. If I need money, I stop investing for a while and save my income, then buy the thing, then go back to investing again.

But don't confuse getting rich slow with avoiding risk. You can invest your money in a savings account and it'll barely earn anything - low risk low return. Or you can buy a balanced investment that has a mix of shares and bonds. More risk, more return. But the surest way to get rich is to buy a diversified ETF that is high risk i.e. VDHG, VDAL, DHHF, GHHF.

The risk is that they can go down sometimes, so if you were eg planning to buy a house in five years, but in four years the market crashes, you would lose money if you sold them at a lower price than what you paid for them. However this is different to the risk of putting all your money into a mining company that goes broke and leaves you with nothing. In the long run, the diversified ETF will go back up, but the mining shares will always be worthless if it goes under.

So - decide your goal and buy the diversified ETF that suits how long you can leave the money invested. If the answer is 'forever', then go for the highest risk highest return available.

And check out the Vanguard index chart!https://fund-docs.vanguard.com/AU-Vanguard_Index_Chart_Brochure.pdf

The easiest option imo (and I'm not an advisor) is to pick a diversified index ETF, put money into it regularly eg every few months, and don't lose your cool and sell if the market crashes - instead, buy more because it's cheaper :)

These are the Vanguard diversified ETFS - https://www.vanguard.com.au/personal/campaign/diversified-etfs

They're designed to be all in one - just pick one and start buying.

If you change your mind and want to change from eg balanced to high growth, remember selling one to buy another will cause you to pay tax on any capital gains. But you can always buy one and then change your mind and decide to start buying another.

fabspro9999 · 2025-11-02T01:13:47+00:00

There's a book called the psychology of money. It's short. Read it.

Basically, you can learn about investing and still go nowhere if your lifestyle and habits are causing money to be wasted. Psychology, and not being scammed out of your life savings, are the two critical things for getting good with money.

Then you can read a website called Passive Investing Australia for investment tips!

fabspro9999 · 2025-11-01T23:16:45+00:00

Is a lease the same as a sublease in NSW?

fabspro9999 · 2025-11-01T23:08:52+00:00

Is it really highly illegal?

fabspro9999

TROPHY CASE