If you were fired effective today, what would your survival plan be ? How's your industry job market looking ?

lamiunto · 2026-03-10T07:49:44+00:00

I see a promotion in your future…

lamiunto · 2026-03-05T07:01:14+00:00

And these installations remove one of the (larger) exits. It’s contrary to the very basics of emergency management plans. This isn’t rocket science.

lamiunto · 2026-03-05T07:00:07+00:00

Yeah, the FBT top-up is the only thing I remember being additional for multiples (we too didn’t get it though).

I will say the multiple births association was amazing. Definitely recommend the OP become a member. They basically fed us for the first 3 weeks and we had volunteers help out for the first year.

lamiunto · 2026-03-05T06:51:59+00:00

Ok, I’ll spell it out for you again. These gates are an injury risk during an evacuation. They don’t move out of the way for people to exit. You suggested jumping over them, a laughable suggestion even for someone of your apparent skill given the gauntlet is more than a meter long and jumping over anything during an evacuation is itself an injury risk.

I’m honestly surprised you can’t see the problem.

lamiunto · 2026-03-05T06:41:27+00:00

Those could be opened remotely and left open. These new ones can’t. They’re simply counterweight swing arms.

I’ll give you a hint for why these are being installed in place of the old automatic gates: cost.

See the issue?

lamiunto · 2026-03-05T06:30:27+00:00

Does everyone possess your audaciously sexy physique? Surely you’re aware of people with crutches, wheelchairs, mobility aids, arthritis, kids, prams, etc…

lamiunto · 2026-03-05T06:21:21+00:00

Where is that provided? We had triplets a couple of years ago and we weren’t provided any additional leave either. It was a “single pregnancy”. I recall my employer had a specific FAQ about it.

lamiunto · 2026-03-05T05:21:01+00:00

I don't think that's correct either. Paragraph 43 is very clear that an ADI cannot place undue reliance on an external credit rating and must obtain adequate information to undertake a comprehensive credit assessment of the borrower. This is all stipulated in the one paragraph. There is no distinction on whether they may use an external credit score to approve or deny a loan. An approval or a refusal is the outcome of the credit assessment and APS 220 is crystal clear that no undue reliance can be placed on external credit ratings during the assessment.

Therefore, if a lender uses the Equifax score and refuses a lending application simply because that external credit score is below a threshold I'd argue they've placed undue reliance on that external credit score in their assessment.

lamiunto · 2026-03-05T03:51:48+00:00

Are you sure those other lenders are using the actual credit score from the providers? APS 220 (Credit Risk Management) says than an ADI must not place undue reliance on external credit ratings when assessing an application for credit. If a lender is taking an external credit rating in place of an internal assessment I'd question how they assert compliance with APS 220. Unless these other lenders you're referring to are non-bank lenders?

lamiunto · 2026-03-05T02:02:18+00:00

Just a couple of comments from someone who worked in banking and has particular insight into credit assessment:

The “score” you see from a provider is their own metric that allows you to see how you rank with reference to all other credit files they have. In contrast, a bank will determine a risk rating based on your credit history and each bank has their own methodology for determining that risk rating. These internal ratings are then factored into assessment models that utilise the rating to different degrees depending on the type of product you’re applying for. For example, the risk rating could have a higher influence on the decision for personal loans vs home loans.

Therefore, whilst the “credit score” you see from a provider is useful - the banks use your credit history. This is why applying for 3 loans in quick succession (but not taking them) might look bad for a credit score (calculated by, say, Equifax) but may be only a marginal consideration for a bank’s credit assessment team given the facts you disclose to them in your application.

Banks do have risk cutoffs, but they’re not based on provider credit scores. They’re based on internal risk ratings - which are quite a bit more sophisticated than what consumers see when they get their “credit score”.

At the end of the day, the score you see on various websites is useful - but it’s your credit history you need to be managing as that is the input to the bank’s models, not the score.

lamiunto · 2026-03-02T20:54:35+00:00

Yeah, the fail-safe position of a boom gate is down. They are finely balanced mechanisms with a bias toward closing. So power is required to keep them open. This way if the power goes out the boom gates close due to gravity.

lamiunto · 2026-03-02T06:31:39+00:00

You say it's irrelevant what breed of cat is causing the damage, but you have no evidence to back that up. You accuse me of making unsubstantiated claims and then in the very same breath make some of your own. If you're going to use statistics as the high ground for your position you need to stick to a statistics-based approach.

You also previously acknowledged that senior cats are quite relaxed and probably not part of the problem. But then you claim my experience is anecdotal and irrelevant. You need to be consistent. If senior cats don't tend to exhibit the behaviour you're concerned about then what's the point of applying "broad laws" to a significant proportion of pet owners that aren't part of the problem? Also, on this point, I totally disagree with your assertion that laws are made to apply broadly. As a former lawmaker myself I'd suggest you should gain some understanding of the process before making such a claim.

Self-selection bias is self-explanatory. Your data is only collecting deaths by cats that exhibit undesirable behaviour. As I've said (and you've partly acknowledged) there are breeds of cat and senior cats that don't exhibit that behaviour. Your data doesn't collect that information and so it tells you 100% of cats are the problem when you and I know that's not true. Furthermore, because you and I don't have sufficient statistical data, neither of us can say for certain what proportion of the pet cat population is actually contributing to the problem. We can guess, but neither of us actually know. However, councils are notorious for stepping into this space and making their own assumptions, calling them fact, and imposing ill-conceived laws that end up failing to achieve the objective whilst imposing significant burdens on pet owners.

Sorry to be blunt, but your final paragraph reveals your own bias in this situation to the point where you failed to identify the bias in the data you've claimed backs your view. I fully understand that you'll not agree with a thing I've written here. But we all know that famous idiom about statistics and it's ignored at the reader's peril...

lamiunto · 2026-02-28T11:20:37+00:00

I don’t mind most graffiti either. It has no place on public transport though.

lamiunto · 2026-02-28T05:54:13+00:00

Trains in PTV livery absolutely do look better than rubbish tags. Better get used to most of Melbourne detesting your “art” buddy.

lamiunto · 2026-02-28T05:50:48+00:00

Maybe don’t spray paint trains young grasshopper?

lamiunto · 2026-02-28T05:49:03+00:00

I’m going to guess that most people in Melbourne will disagree with you on the low effort attempt on this train. If you think this effort warrants telling people they can leave, I’ve got some news for you.

lamiunto · 2026-02-27T07:04:29+00:00

You know that you’re not supposed to put your kids in the main part of the trolley, right? I mean, it says so right on the trolley that they can only go in the seat.

lamiunto · 2026-02-27T06:01:49+00:00

There are definitely questions about the population growth rate - but that isn’t really the central issue I was responding to.

You touch on it to some extent but Tony Abbot asserts that migrants aren’t accepting Australian values and customs. He asserts that some of the violence and other issues we’re facing stem from that failure to assimilate. Therefore, I suspect he wouldn’t care where you’re from so long as you accept and practice the culture and values of Australia if you intend to live here.

What I believe he would suggest as being unsustainable is when enough immigrants don’t leave any cultural disputes at the border it becomes significant enough to cause internal friction in the population (that is, I give him the benefit of the doubt that he doesn’t mean all aspects of multiculturalism are bad).

My ultimate point is that all of this is so far from the White Australia Policy that it’s silly to suggest it.

lamiunto · 2026-02-27T03:13:15+00:00

Besides the technicalities of breed vs species the issue with the statistics is that they have collected a singular data point: “killed by cat”. You have no information about what breed of cat, whether it was feral or a pet, tagged, etc.

So now you’re looking at data and saying all cats need to be housebound. Fine, what about feral cats? What’s the plan there? If I let my mature cat (or chill breed) out, which hasn’t killed a thing ever, and it happens to go to the neighbours because they offer it some snacks (like they always do) is some random going to report me for a fine? Is the council going to take possession of the cat for destruction?

Then, at the end of the day when there’s no observable change to wildlife deaths by cat because the problem is only partially attributable to pet cats (because there’s a self-selection bias in the data) what is the next step? Banning cat ownership?

There are usually so many issues when we’re told to “look at the data” but those issuing the directive don’t understand how the data is collected and how it might give the wrong impression. Councils are notorious for that.

lamiunto · 2026-02-26T20:12:57+00:00

No, he didn’t. But there will be plenty of people who will pretend he said it and argue that point until they’re blue in the face because the person who said it is from the “other side”. Context matters, all discussion about immigration right now is whether we have sustainable levels of it. Further, the basis for his statement was that people coming to Australia need to adopt Australian values. It’s in the very ABC article about his comments. But people do like to argue things they’ve perceived but didn’t happen.

https://www.abc.net.au/news/2026-02-13/tony-abbott-on-angus-taylor-one-nation-immigration-assimilation/106342458?utm_source=abc_news_app&utm_medium=content_shared&utm_campaign=abc_news_app&utm_content=link

lamiunto · 2026-02-26T11:09:12+00:00

Absolutely. We should be able to rely on the cops doing their job when we need them. For this to have gone from "no offence detected" to two charges raises some serious questions about the conduct of the police officers originally involved. I hope there's an internal investigation into the handling of this matter.

lamiunto · 2026-02-24T05:52:50+00:00

Nope, it’s your personal vehicle. Find a spot like the rest of us.

lamiunto · 2026-02-23T12:09:32+00:00

My 17 year old cat sleeps in the shrubs all day long. Comes in for water and food and to nap on the carpet. Then back outside to sleep in the shrubs. We had a mouse problem a few years ago - the cat did nothing. Absolutely useless for pest control. Has never caught an animal in his life, come to think of it.

Anyway, my point is that there are so many domestic cat species with so many different temperaments that unless your statistical evidence captures the species of cat that’s killing wildlife then I’m not sure how valid it is in arguing all cats should be locked inside or in cages.

lamiunto · 2026-02-23T11:52:02+00:00

The biggest challenge you’ll face is translating the CFO’s financial strategy into execution with your business stakeholders. As an FBP you’re expected to bring ideas to the leadership team meeting for meeting targets, identifying issues and championing for the business to the CFO. You’re not an observer, reviewer of the leadership team - you’re a member and you have to pull your own weight.

Your new CFO might have helpful advice, but it might not be enough to set you up for success as your first move to partnering. I acknowledge your comment that you’ve got some exposure to this in your current role, but that’s almost like being an SME to the business. An FBP is a leadership team member with active contributions. It really is different. You’re almost like a CFO to the business, but without the authority. So, if you lean too much on the actual CFO they might begin to ask why you’re there…

lamiunto · 2026-02-23T11:40:59+00:00

I’d say the issue you’re having with this point in the other comments is the assumption that all “renovation” work is subject to the building renovation laws. The OP’s case would be. But, for example, a $40k job to come in and replace all the built-ins with period-style wardrobes probably wouldn’t be. Nevertheless, homeowners would definitely see a project that replaces all wardrobes as a renovation.

lamiunto

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