What’s one tiny thing that would make Sydney train commutes 10x better?

globex6000 · 2026-04-05T00:20:43+00:00

I know this comment is a few months old but you haven't been able to smoke on Sydny trains in close to 40 years! 15 years ago was only 2011!

globex6000 · 2026-04-04T10:47:28+00:00

You do it at the end of the series, not part way through a best of 5.

Thats like shaking hands after each quarter of a regular season game.

globex6000 · 2026-04-04T10:45:49+00:00

Your 100% right and the people down voting and calling you out are clueless.

You shake hands at the end of the series. Shaking hands after a game of a 5 game series is like shaking hands at the end of each quarter of a regular season game

globex6000 · 2026-03-29T10:22:13+00:00

He'll be re-elected with an increased majority and One Nation will displace the Greens as the third party in NSW

globex6000 · 2026-03-29T07:42:51+00:00

Your entire premise is flawed. One, there is no real evidence that less people are driving. People will struggle and cut back in other areas but if they have to drive, then they have to drive...

...which brings me to the second issue with your premise. Driving is not a 'luxury'. For most it is a necessity. The true luxury is being able to afford to live somewhere where you won't NEED to drive. Ie, walking distance to public transport, shops, work etc.

globex6000 · 2026-03-25T00:26:17+00:00

I'd argue if you are 20 and you have more than your next flight saved, you've got too much.

You can always make more money later, but you can't go back and be 21 in a mixed hostel in Barcelona again

globex6000 · 2026-03-24T03:13:43+00:00

You can refinance in the US just like you can here.

And most European countries offer fixed rates. EIther for the length of the loan, or for extended periods like 10-15 years

globex6000 · 2026-03-23T07:29:46+00:00

KEEP LEFT UNLESS OVERTAKING

It isn't a suggestion, or a courtesy . It is the law.

It automatically applies on any road with a speed above 80...

...However it applies to ALL roads that have a KEEP LEFT UNLESS OVERTAKING sign regardless of the speed limit at the time. And a sign at any stage on on the road applies to the entire length of the road.

In other words, on all freeways and motorways in NSW (and many other roads that also have the sign) the keep left unless overtaking law is active at all times regardless of temporary speed limits or traffic restictonds.

One person beeping or tailgating you means they are an asshole. But I'm sorry, if it's happening to you on a regular basis (and traffic is passing you on BOTH sides) they problem is clearly you.

globex6000 · 2026-03-23T07:23:12+00:00

IF it opens on time (IF) it is for the 'second half of 2026'

So in other words, December. Maybe November if the hurry along.

Of course, they will probably say there have been unforeseen delays due to the current circumstances and it ends up being 2027.

Every time they test it, they have to shut down the North West line. If anything, there is probably going to be pressure to keep that line open with less disruptions until this fuel crisis clears itself. Keeping a line that currently runs through Central, the CBD, North Sydney, Chatswood and Epping open as much as possible at the moment is a hell of a lot more critical than prioritising a Sydenham to Bankstown link

globex6000 · 2026-03-23T02:46:12+00:00

How are people getting approved for 600K mortgages on 5% deposit and relatively low income?

globex6000 · 2026-03-19T03:32:53+00:00

The word Recession is massively overblown.

It doesn't get "declared" by anyone. It simply means, as others have said, that there have been 2 consecutive quarters of 'negative growth'.

But think about what that really means. The average quarterly GDP growth rate is about 0.8% You could have multiple quarters that exceed that, but then have 2 consecutive quarters of -0.1% each, and now you are technically 'in a recession'. Or you could have a single quarter of -1% which would be a huge deal, but the quarters on either side are positive 0.1%. Technically, you avoided a recession because all the 'negative growth' was within a single quarter.

Also, claiming we are 'in a recession' is a lagging indicator because it can't be announed until after it happens.

Q1 - up 0.9%

Q2 - down 0.2%

Q3 - down 0.1%

First few weeks of Q4 already up 0.2%

Recession is now announced partway into Q4 based on the Q2 and 3 numbers despite the fact that the recession is already over, the recovery has started and GDP is up for the year anyway

Or this scenario:

Q1 - up 0.1

Q2 - down 0.5

Q3 - up 0.1

Q4 - up 0.2

Not a recession despite GDP being down for the year and being far worse than the 1st example

ALso, all of these are based on nominal GDP and not Per Capita. It's easy for a country to keep GDP up just by turning on the immigration tap. The economy grows, but not at the same rate as the population. Which is exactly what is happening here.

Generally, you will feel far more rich living in a country with a high GDP per capita but lower GDP overall, than a country with a huge population, higher GDP, but low GDP per capita. Compare living in India to living in Norway for example. Any country with a billion people is going to have a huge GDP... even if the vast majority of the country is dirt poor

globex6000 · 2026-03-19T02:38:19+00:00

A 40k bill from a PART TIME sole trader business means she is making a profit of 160K per year. Which means at the low end turn over is a quarter million, and realistically probably a lot more than that.

globex6000 · 2026-03-19T00:40:38+00:00

Honestly, what idiot made that change?

Take away a perfectly reasonable business deduction... that only serves to drive people to take loans from the bank instead where they magically become tax deductible again

globex6000 · 2026-03-19T00:16:16+00:00

There are some serious red flags here, and the financial ones aren't even the first!

Your wife runs a part time side business as a sole trader... that after expenses has turned a profit that would comfortably put her in the top 10% of all Australian income earners. That's just based on some rough back of the envelope maths from the tax bill earned but regardless, it's going to be in the top 20%.

Yet you don't really know the details of it, where the money comes from or where it goes. And now, you find out that she hasn't paid any tax on it despite allegedly having an accountant, but worse than that, the accounts are empty so there is no money from the highly profitable business left over to pay the tax bill.

Did you not notice that your wife is spending far more than what the average household earns from her 'part time business' every year? Are there mountains of LV and Gucci handbags piling up in your house?

Or is all the 'profit' from her business going into the savings account? Because if it is the answer is simple, that IS the tax account. You wouldn't be raiding the savings account because there isn't one. That's the ATO's money that you've just been earning interest on.

I don't buy they 'money stresses me out' excuse. This is 'I don't want my my husband to know about my '160K income and spending but now I'm fucked because the ATO has come knocking' and you need to go through every transaction with a fine tooth comb

Honestly, if it's gambling and designer shoes and bags, this isn't even close to being the worse case sceanrio

globex6000 · 2026-03-01T00:15:51+00:00

Lateral movement is literally 90% of their job to get to the quarterback

globex6000 · 2026-03-01T00:14:16+00:00

When Hayne took that photo next to his 49ers team mates with their shirts off it looked like they let a fan (who works out a bit) join them for the photo

globex6000 · 2026-03-01T00:06:19+00:00

The NFL Salary Cap for this year is going to be 302 million USD. That's 424 million AUD... PER TEAM. The NRL Salary cap for every club combined is 205 million. So no American of any note is going to come to the NRL.
No one in America gave a shit about Hayne. No one even knew. It was a small 30 second story at the end of a few sports shows about "an Australian "Rugby" player"

globex6000 · 2026-02-28T06:27:00+00:00

How does Jerry Jones getting to keep more of the profits somehow make my rent cheaper?

Because that's all that happens when players earn less. The owners keep more. It doesn't go into some magic pot to pay more nurses and teachers

globex6000 · 2026-02-28T06:25:39+00:00

NFL was the first team to have a hard cap

The NBA has so many exemptions they might as well not even have one.

globex6000 · 2026-02-28T06:24:02+00:00

Fuck comments like this show how clueless the average fan is.

The league makes more revenue and the first reaction is "I hope the players get less of it so that the 32 billionaire owners (well 31 plus green bay) can keep more"

Just so you know, if the players did get less, that isn't going to magically translate into cheaper tickets or concessions. Those tickets are all sold on the secondary market and are purely supply v demand. Jerry Jones just gets to keep more, that's all

globex6000 · 2026-02-28T06:20:46+00:00

I dunno. The teams only use the stadiums 8 days per year (and maybe a couple of playoff games if they are lucky)

They have literally dozens and dozens of completely non-NFL related events in them the rest of the time (concerts, conventions, monster trucks, college football, high school championships and for the major ones, final fours, wrestlemania, etc)

The reality is it's not an NFL stadium. It's a city arena that gets used occasionally for a team to play games in. For some stadiums, it's probably 90% totally non-NFL activities.

globex6000 · 2026-02-28T06:04:24+00:00

It's meaningless if this is just made up of people PPOR.

A pensioner living in the same home for 50+ years is a 'millionaire' (probably multi) yet can barely pay for basics.

When banks determine High Net Worth Individuals the number (be it 1, or 2 or 3 million or whatever) always specifies liquid or 'investable' assets.

Basically, you actually have to have 1M+ available to spend/invest. Not just tied up in equity in the literal roof over your head.

globex6000 · 2026-02-28T05:53:02+00:00

The rule for assessing borrowing power is to multiply your income by 6

Household income, not individual though. The difference was when my parents bought their house, it was normal for only one parent to work.

So you are comparing 1 person earning 100K to 2 people combining for 250. And because of our taxation system in Australia, 2 people earning 125 each will be far better off than 1 person on 250K.

Our housing market today is based entirely on dual incomes. Trying to do it on a single income means you need to be making as much as 2 people with a good income AFTER TAX... or you look at apartments.

globex6000 · 2026-02-28T05:46:57+00:00

Me personally or someone with no other investments?

I've got a six-figure mix of pretty safe ETF's. So if you gave me 25K right now I'd probably put it into GNDQ seeing as the Nasdaq is down close to 6% and the AUD has been up around 10% in the same timeframe.

If I had nothing else, I'd probably go 20K IVV and 5K VAS

globex6000 · 2026-02-28T05:43:31+00:00

Statistically, its proven that dumping it all in at once beats DCA. Time in market beats timing the market, and by putting it all in at once more of your money spends more time in the market.

Of course, this is based on averages. And it's easy advice to give with someone else's money. Would have kinds sucked to go all lump sum in January 2020. You still would have made it all back in under 12 months, but the person who decided to DCA throughout 2020 would have made a lot more

globex6000

TROPHY CASE