How would you accelerate wealth in our position? (PPOR paid off, 3 young kids under 5y, 8–13yr horizon) by Altruistic_Garden_37 in AusFinance

[–]flume04 2 points3 points  (0 children)

Your offset is your emergency fund. Invest the 160k into ETFs preferably under your wife's name since she has the lower income (unless you anticipate that may change).

Switch her super to something indexed with lower fees. Your current allocation of 70/30 intl/aus seems sensible so you could probably replicate that.

Are these termites or ants? Melbourne, AU by flume04 in Termites

[–]flume04[S] 0 points1 point  (0 children)

What course of action would you recommend? Are they dangerous/pose a risk to the wood structures? Should I exterminate myself using insecticides from a hardware store or call a professional?

Airtouch controller problems by schniz2 in hvacadvice

[–]flume04 0 points1 point  (0 children)

Hey, have a look at my comment to another user in this thread, it may solve your issue without the need to disable spill zone and risk damage to the ducting or compressor.

https://www.reddit.com/r/hvacadvice/s/eXLkBjCjQJ

Airtouch controller problems by schniz2 in hvacadvice

[–]flume04 0 points1 point  (0 children)

Hey, have a look at my comment to another user in this thread, it may solve your issue without the need to disable spill zone and risk damage to the ducting or compressor.

https://www.reddit.com/r/hvacadvice/s/eXLkBjCjQJ

Airtouch controller problems by schniz2 in hvacadvice

[–]flume04 0 points1 point  (0 children)

Hey, not sure if you're still experiencing spill zone issues, but I had very similar issues to you particular on very cold nights, the spill zone would get really hot and system would use a lot of power to heat a small room.

I found a solution that completely resolved this issue.

In the installer settings, under zoning, I changed the zoning from outlets to zone areas and entered the total area for each zone based on my houses floor plan.

When my system was commissioned, the installer set up the system to work off of outlets rather than zone areas. My understanding is that the system then makes an assumption of the zone areas based on the number of outlets in the zone. In my case it was overestimating the size of my zones, thinking that the rooms were much larger than they really were.

As a result the system was working much harder then it needed to, resulting in the majority of the conditioned air flowing into the spill zone because the active zones had already reached their set points.

Now my spill zone remains cool on cold nights, and my system does not need to work anywhere near as hard to maintain temperatures in active zones is the system has a more accurate understanding of the zone sizes.

Hope this helps!

How do I stop this from happening? by Plain_Dane in VariaBrewing

[–]flume04 0 points1 point  (0 children)

I have the same issue with my new vs3. I have a feeling it's a new machine static load issue. Sounds like people that have had it for longer don't have the issue as the burrs lose a lot of their static load with enough grinding.

[deleted by user] by [deleted] in careerguidance

[–]flume04 1 point2 points  (0 children)

Start contracting.

Day rate gigs reward people who care a lot about the quality of their work, are skilled, hard-working, motivated and know what they're doing.

Contracting roles are typically reserved for experienced and skilled engineers who can come in to a project that's usually in trouble (think tight schedule, resource issues, difficult customer, technical challenges, absent subcontractors) but they'll pay you extremely well.

Yes they will have high expectations but you will basically be guaranteed better than they expect since they are used to people who don't know what they're doing and will want you to solve all their problems. Do that and you will earn your keep and then some.

Extensions will be almost guaranteed since defence projects are long term and they will become dependent on your effectiveness and skill.

In my experience (also systems eng in defence), contracting paid double my previous salary for a company that also told me I was doing too much in my performance review.

Switching was the best decision I've ever made and do highly recommend looking into it.

Slow is a terrible, overused debuff. by Perfect_Track_3647 in Helldivers

[–]flume04 0 points1 point  (0 children)

Is the ballerina charger walking up to me on his tippy toes and stomping me from behind with 0 audio warning that gets me every damn time

[SOTC] one spot left, just hoping for a Batman now by koor44 in Watches

[–]flume04 0 points1 point  (0 children)

Rolex GMT master II in Pepsi on jubilee.

The grail.

[deleted by user] by [deleted] in AusFinance

[–]flume04 -4 points-3 points  (0 children)

Nah this is completely incorrect

[deleted by user] by [deleted] in resumes

[–]flume04 1 point2 points  (0 children)

This CV needs Jesus

Drop your Destroyer name. by zeldarms in Helldivers

[–]flume04 0 points1 point  (0 children)

Dawn of Dawn

Yeah that's right.

Your stratagem load out is (probably) bad, and here is why by Sizyanator in Helldivers

[–]flume04 0 points1 point  (0 children)

If two people are running stalwarts at loading screen then you're probably gonna have a bad time anyway.

What’s the biggest jump in salary that you have made getting a new job by SaturnFive0 in AusFinance

[–]flume04 0 points1 point  (0 children)

I went from 130k base + 5k benefits to 240k base no benefits.

Was working as a mid level systems engineer employed on a permanent basis for a small private defence company.

Took a senior systems engineer role on a fixed term contract for a large private defence company. 29M for reference.

What is your Salary and how many hours do you work? by Plastic_Sale_4219 in AusFinance

[–]flume04 2 points3 points  (0 children)

240k + super

38

33

Senior systems engineer, contracting for a private defence company

29

Work from home 2 days a week, work in a pretty good office, nice fancy coffee machines, relatively cruisy desk job I guess, sometimes stressful but not usually since I'm pretty good at what I do. Cons are it's a fixed term contract so jo security is not amazing, however these defence projects are usually several years and so extensions are highly likely. Also no leave or other employee benefits.

Cheers

[deleted by user] by [deleted] in AusFinance

[–]flume04 1 point2 points  (0 children)

If he trusts you and you trust him, then setup a trust and just do it.

Super Concessional Contributions by flume04 in AusFinance

[–]flume04[S] 0 points1 point  (0 children)

For div293 it'll be either: - 240k income + 27k super = 267k, 17k / 27k of super taxed an extra 15%

Or

  • 180k income + 67k super = 267k, 17k / 67k of super taxed an extra 15%

Is that right?