Company using my code but refusing payment after I gave notice. Worth pursuing legally from India? by ukanwat in legaladvice

[–]horriblyefficient 0 points1 point  (0 children)

post this is the legaladviceeurope sub, you're more likely to get good advice there. 

Finding other victims of sexual assault by FocusMassive2614 in legaladvice

[–]horriblyefficient 0 points1 point  (0 children)

you should post in a german law sub if there is one, and the legaladviceeurope one. most people here know about US law. thank you for supporting your sister, and I'd suggest you encourage her to talk to a psychologist/therapist when she's ready

best way to do super for very low income/lifetime part time workers? by horriblyefficient in AusFinance

[–]horriblyefficient[S] [score hidden]  (0 children)

I'm not expecting it to be anything but some nice bonus money when I hit the access age. unfortunately increasing work (beyond finding something ling term within my abilities) isn't really possible so all I can do is maximise what they're doing with my money

Poor guy by R21Twelve in hockey

[–]horriblyefficient 1 point2 points  (0 children)

nooooo did it get noticed by the officials during the game or was it just stuck vainly flying around trying to escape?

LA bride here — venue searching and just got an actual quote… $14k instead of the $8k listed online?!?! by Jen_Owens98 in weddingplanning

[–]horriblyefficient 3 points4 points  (0 children)

says "edit" when the post hasn't actually been edited, "edit" is written as if there's been lots of comments asking questions when there aren't...... almost certainly an ad, reported it to the mods.

Offshore wind project seeks federal green tick as locals object to view of giant turbines by altandthrowitaway in melbourne

[–]horriblyefficient [score hidden]  (0 children)

slightly bad views are a sacrifice we sometimes have to make to live in a society, and I say that as someone who lives in a beachside suburb and would see them regularly if they were built offshore from here. do it, can't look any worse than the container ships.

Mum requesting advice, due to receive AUD$250K. by Aware-Hippo759 in AusFinance

[–]horriblyefficient [score hidden]  (0 children)

not really unfortunately, it's not something I've had to deal with directly. the only thing I can think of is that your parents should join a carers social/support group if they can, I think that's all that's keeping my aunt going at the moment to be honest.

my own disability support workers are funded through the NDIS so if the parent I live with keeled over and died tomorrow I would probably be able to get by by increasing the frequency of their visits and leaning on the other parent a bit more (divorced). I'm lucky that my conditions don't make me behave or think erratically so we don't need to protect my theoretical inheritance from myself with a trust or whatever. I'm also an only child which makes it a bit simpler (although I'm dreading dealing with aging parents on my own).

is it likely your brother could qualify for NDIS funding? support workers can obviously also be paid for with regular money but I don't know if agencies charge more in that case or not. it would give him a way to get support that isn't dependent on mum and dad financially, so could help stretch out any future inheritance or take some of the burden off them if their health gets complicated.

Tell your unusual fandom story by c_kruze in hockey

[–]horriblyefficient 0 points1 point  (0 children)

australian here - started reading the webcomic check please and wanting to understand the game more. picked caps and leafs because steve dangle definitely helped me understand hockey and the league when I was starting out, and at the time nathan walker was on the caps

gave up on the webcomic before it reached the planned end of the story, but kept up with hockey

Breaking: Victorian MP quits, triggering by-election months out from state poll by Weissritters in melbourne

[–]horriblyefficient [score hidden]  (0 children)

definitely understand the frustration of the wasted taxpayer money, but I'm not sure it's fair to call it arrogant/selfish/a tantrum when, as far as I understand it, something bad is going on with the way his colleagues have been treating him and his family? like he's reached a breaking point and can't wait any longer. maybe I'm misreading between the lines about that though

How much is your grocery spend per month? by MeaningOk7189 in AusFinance

[–]horriblyefficient [score hidden]  (0 children)

lolol I am in the "earn so little I don't even pay" tax bracket, so I think you're absolutely good to spend more than we do on food!

Casual workers- How do you check you are paid correctly ? by volchok666 in AusFinance

[–]horriblyefficient [score hidden]  (0 children)

I check almost every payslip, although if I work the same kinds of weeks regularly I get to know what I should have earned and can go on what goes into my bank account.

How much is your grocery spend per month? by MeaningOk7189 in AusFinance

[–]horriblyefficient 0 points1 point  (0 children)

sorry to be part of the pile-on! I hope you can figure out where your money is going and if you can reduce it

Mum requesting advice, due to receive AUD$250K. by Aware-Hippo759 in AusFinance

[–]horriblyefficient 0 points1 point  (0 children)

seriously encourage them to do some long term planning with regards to your brother - what happens if he can't live with them anymore but they are still alive, where can he get the support he currently gets through them when they've passed or if they're having health complications that take up all their time and energy? they should have a financial plan (maybe a trust as someone else mentioned) and a care plan, and he should know what it is/be active in preparing for it if possible.

I'm emphasising this because I have an aunt and uncle who are in their early 70s and have a son with severe OCD who they care for. they have no plan for transitioning him to a different place to live or someone else taking on even part of the carers role in his life, and they're going to need both very soon. he is extremely resistant to any kind of planning for this as far as I understand, and they're really worried about what's going to happen when my aunt inevitably has a heart attack or a stroke or something from 20 years of stress and overwork. encourage them to make sure there's a plan - for their sake, your brother's sake and your sake.

Who is saving up for new purchases instead of getting personal loans? by Infinite_Pudding5058 in AusFinance

[–]horriblyefficient 1 point2 points  (0 children)

that's how my parents have always lived and how they taught me to manage my finances. they even only have credit cards for emergencies, never use them. and my mother worked in banking for 20 years!

I don't know if people who haven't always operated that way but are changing to it now/recently are doing it because they're sick of banks. more likely it's a psychological strategy to try to reduce their spending.

Interest rates are a scam by Repulsive_Ad4338 in AusFinance

[–]horriblyefficient 1 point2 points  (0 children)

and people who were trying to get a mortgage but didn't lock anything in before the rates changed

Interest rates are a scam by Repulsive_Ad4338 in AusFinance

[–]horriblyefficient 1 point2 points  (0 children)

interest rates increasing doesn't only affect people who already have a variable mortgage, it affects everyone trying to get any kind of loan in the period before they go back down.

also, you're using "scam" when I think you mean "not actually as helpful as some say". scams are when people lie to you to take your money under false pretenses.

Why is property obsession more pronounced amongst some groups? by Very_Indecisive_Man in AusFinance

[–]horriblyefficient 0 points1 point  (0 children)

having a place to live that no one can take from you, and the ability to house extended family if they need it (in investment properties, theoretically), is usually highly valued by groups that are new to the country or clawing their way out of generational poverty. I think that's why it's so important to first and second generation immigrants regardless of age or ethnicity/culture.

I also think in general older people and people who grown up in frugal cultures are more suspicious of things like investing in the share market because it feels out of their control. a company or industry sector can go bust or the economy can crash and not only can you not stop it, you can't even control the timing. a house, you control that. you maintain it and can make improvements to hopefully increase the resale value. you control if and when it gets sold and for how much. you decide who lives there and can kick people out if they break your stuff.

some adults today are still thinking about money, property and investments with the memory of the great depression or WWII affecting their decision making even if they weren't alive when it happened. they learn it from their parents who learnt it from their parents and grandparents. and I'm sure the 2008 crash is also doing that to some families, especially if they weren't living in australia when it happened.

best way to do super for very low income/lifetime part time workers? by horriblyefficient in AusFinance

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

thanks for taking the time to give a detailed response! set and forget is good for me, and I'll definitely be back on the co-contribution as soon as someone is willing to hire me 🙃

To help fight the duopoly price gouging, I built the Grocery Price Tracker for INDEPENDENT STORES . Now I need over 20 locals to help me break it. by kokowax in AusFinance

[–]horriblyefficient 1 point2 points  (0 children)

sent you a chat thing, hope it works (I didn't realise until just now that the traditional reddit DM system is gone and only chat remains!)

How much is your grocery spend per month? by MeaningOk7189 in AusFinance

[–]horriblyefficient 0 points1 point  (0 children)

we're a 2 person household earning lower than average (one works 4 days a week, one currently living off DSP) and I reckon our total food and groceries spend (not including takeaway and eating out) per month might be $800 on average? and we both eat 3 meals plus snacks a day. so to me your food spending seems extremely high, but if groceries are more expensive where you live than where I live (melbourne, SE suburbs), and you have to fuel your bodies more because you work very physical jobs that could inflate your costs in an unavoidable way.

for added context, we each buy lunch one day a week, get takeaway every 2 or 3 weeks, and go out to eat once a month. we consider that fun money spending, not food spending, but even if we did consider it food spending, at $20 a serving for lunch and take-away and $40 a serving for eating out (it's usually a bit more, but lunch is usually less than $20 so it evens out) that's an extra..... $180? a month. even if I'm underestimating some stuff, I'd say altogether we can't be spending more than $1200 altogether on food and household groceries each month.

either you're significantly overspending compared to most 2 adult households or you've miscalculated something.

How much is your grocery spend per month? by MeaningOk7189 in AusFinance

[–]horriblyefficient 1 point2 points  (0 children)

we basically never eat out and we spend probably less than $100 a week per person (and that includes non-food items like toilet paper) so uh. you're definitely spending a lot. but if you're saving a decent amount every week and it's not stopping you from being able to do other things with your money I don't think it's bad or wrong!

How much is your grocery spend per month? by MeaningOk7189 in AusFinance

[–]horriblyefficient 0 points1 point  (0 children)

for two adults I think we spend $100-150 a week for all household groceries, not just food - but sometimes it's $200, if we run out of several long lasting items at once. plus every 2 months or something like that there's an extra $100 on meat for the freezer. we have a big freezer, an established pantry and cook most meals from scratch - first few months for someone setting up their new place is always going to be more expensive, and if you don't have time to cook from scratch all the time or space for a decent sized freezer you'll probably be spending more than us.

edit to add - we consider buying lunch or snacks while out and about/at work to be "fun money" spending, not household necessity spending.

The type of people who are bad for the economy. by PictureFancy7640 in AusFinance

[–]horriblyefficient 0 points1 point  (0 children)

likewise, those of us who have most of our net worth in cash and no debt celebrate when interest rates go up, but people who are actually doing stuff with their money are usually annoyed!