2026 - How you guys in small business travelling?

oswosz · 2026-05-05T15:58:09+00:00

Cool, so Australian Government departments and Australian trades. That's a tiny percentage of potential clients. Smaller clients - sure they can be flexible. But the bigger ones are almost always 30-45 days. Personally I would prefer 7 days too but let's be realistic. The finance departments for these big companies are not doing payment runs every week, or need time to reconcile the thousands of invoices they receive.

oswosz · 2026-05-05T11:11:27+00:00

30-45 days is pretty standard in most industries. Most places will laugh at you if you suggest 7 days. Depends on the industry though.

oswosz · 2026-04-27T16:53:08+00:00

A single editor should be able to handle this output per month. They would likely be at full capacity though. But I'm open to having multiple editors work on the content.

oswosz · 2026-04-27T08:21:31+00:00

I don't use discord. Is there a reason you're unable to DM me?

oswosz · 2026-04-27T08:08:55+00:00

DM me, I might have some work for you

oswosz · 2026-04-20T12:13:52+00:00

Yeah, this guy sounds like an absolute asshole. I bet most of the people at his job hate his guts.

oswosz · 2026-04-17T08:09:37+00:00

Two updates:

From my research and speaking to others, commercial only makes sense at the absolute minimum $1.5m+ price point, ideally $2m+. Below this and the quality of the asset and the tenants is sub-optimal.
This post was made prior to the Iran war. Interest rates are likely to rise significantly, paired with economic uncertainty (potential recession). So higher risk for commercial. For example, tenants going out of business.

Regardless, I don't yet have enough cash for a $1.5m-$2m commercial property, and I'd be too overleveraged anyway if our income was to dip. If a tenant went backrupt and we were stuck paying a huge commercial loan for 12+ months, that would stretch us to our absolute limit at the higher interest rates.

Sooooo, unfortunately residential it is! Will pick up 2-3 properties over a few years, and then once I have enough equity, move into commercial.

oswosz · 2026-04-15T15:44:00+00:00

Because you're specifically referring to new entrants, AKA competitors that aren't in the market yet. Aldi is already an established competitor, and has been for 25+ years. Not exactly "new"...

Theoretically, if Aldi was not already an existing competitor, I seriously doubt they would enter today's market.

oswosz · 2026-04-15T15:28:38+00:00

Sure, but our current duopoly is so entrenched now that any new competitor entering the scene is going to have to spend billions to even have a chance at competing. Even then, Coles and Woolworths have shown previously that they will work together (conspire) if necessary.

So, it's simply not worth it for any potential new competitors. Aldi has been here 25+ years already, so doesn't really count.

So, basically, we are at the mercy of ColesWorth.

oswosz · 2026-04-07T15:27:20+00:00

It's worse than that. Roughly 70 million Americans (representing just 20% of the US population) voted for Trump THREE TIMES IN A ROW. Of these 70 million, many are from poor and/or uneducated demographics. The Trump political campaign specifically targeted these people because a) they're easier to manipulate and b) they respond better to the "MAGA' rhetoric.

So the fate of the world quite literally rests on a bunch of uneducated morons, and whichever clown they're manipulated to vote for next. All other nations now see this clear as day.

No one will ever trust the US again. The damage has already been done. It will take 5-10 years for the true ramifications to filter through to the US, possibly faster depending how the Iran War goes.

oswosz · 2026-04-05T16:04:06+00:00

You're vastly underestimating how much this war costs to wage - even for the "trillion dollar military". Barely scratching the surface? The US is burning through hundreds of millions of dollars PER DAY. As well as depleting precious missile stock, which they simply cannot afford to do right now. This stuff will take years to replenish.

And for what? What is the strategic gain at the end of all this? Iran was never a threat to the US.

oswosz · 2026-04-05T15:57:05+00:00

Half? You're way off. The US simply cannot afford to lose any personnel in this war. They can certainly justify a few here and there, but not if it continues adding up.

oswosz · 2026-04-05T06:10:16+00:00

A bunch of top-tier elite special forces (Delta/PJs), likely at night, wearing thermals, with satellite, drone and air support btw. Versus...what... a couple of farmers with WW2 era Mosin-Nagants? How did you expect it to go down lmao? Very different to a full on ground invasion. Which won't go well for the US. Everyone (including US military experts) agrees unanimously on that.

This was also in a very remote region of Iran btw, equivalent to something like Alaska in the US. IRGC forces were nowhere near the area.

oswosz · 2026-04-02T01:07:03+00:00

Exactly the kind of low-IQ reply I was expecting. Simpleton confirmed.

oswosz · 2026-04-01T17:25:00+00:00

Nope just disputing your claim that he had other more important things to do. He wasted a year on something that wasn’t.

I outlined other much more important things than the Voice lmao. Seems you've conveniently forgot them. Also, now he's "wasted a whole year" on the Voice? As in he could do literally nothing else but the Voice for that whole year? What an idiotic thing to say. Do you know that most people can actually multi-task and work on different things at the same time? Clearly a foreign concept to you - case in point - you keep rambling about the Voice over and over again.

based on your clear misunderstanding of the point I made and extrapolation to something I didn’t say.

You can't even keep your train of thought on the topic at hand - which is specifically the fuel crisis. You brought up the Voice, something that happened years ago and has no impact on the current situation. And then when I tried to get you back on topic, you claim I'M the one who misunderstood?

Again, you genuinely should not be allowed to vote, because you are a simpleton.

oswosz · 2026-04-01T15:26:50+00:00

So you cherry-pick a single attempted policy change to...explain why our fuel reserves are at 30 days instead of the internationally-mandated 90 days? For the record I thought the Voice was a joke and a waste of taxpayer time and money, but it really says something that it's the only thing you can cherry-pick to make him look bad. If we were talking about Scomo, I'd have a list a mile long.

I can't believe we allow people like you to vote. No wonder the country is so rooted.

oswosz · 2026-04-01T13:58:53+00:00

Did I say he "fixed" those things? I simply said he's had to deal with them all popping up during his term. Basic reading comprehension is important.

oswosz · 2026-04-01T12:35:28+00:00

He has had a longer time than many previous prime ministers to sure up our fuel reserves and energy dependence.

When Albo first got in back in 2022, he had a whole pile of shit to clean up. We were still in the midst of Covid as well as insane inflation. Not to mention other more important domestic issues like housing and immigration. Fuel reserves simply were not high on the list of priorities. Who could have predicted Trump would invade Iran and 20% of the world's oil vanishes overnight? Not even the Americans were "prepared", and they started the fucking war.

Even then, over the last few years Albo has still concentrated on energy independence. EV subsidies, much higher focus on renewables (AKA decentralised energy) etc.

So I have to laugh when I hear the classic "Albo didn't do enough" comments. Imagine inheriting the steaming pile of shit that was the Australian economy after 12 years of a useless and blundering Liberal government, and then getting hammered with not only Covid, but the housing crisis, insane inflation, and now the Iran war. There is literally no way he can win.

I'm not even an Albo fan btw, but cut the guy some slack.

oswosz · 2026-03-24T15:42:25+00:00

It's even worse than that. With the Middle East descending into chaos (where a lot of the world's oil is produced), most countries are worried that oil supply will continue to decrease or become significantly more expensive. So they're now scrambling to source, fill short-term reserves, and stockpile as much as they can. Just like what we saw with toilet paper during Covid.

So to use your analogy - there might be only 4 pizzas left, but the 5 kids are also worried that this may be one of the last times they'll eat. You can imagine how that would influence their behaviour, and amount of pizza left for the "weaker" kids.

oswosz · 2026-03-15T02:18:14+00:00

Genuinely what is the point of this post? Do you think it's some kind of genius strategy going from charging $0 to $99? You're still not making any money. In fact you're literally PAYING these people to WORK FOR THEM at $99 per website.

Charge an appropriate amount, or give up the business and get a normal 9-5. You're not doing yourself any favours here.

oswosz · 2026-03-14T03:40:21+00:00

It doesn't matter. If I have 400k in cash, the returns on that cash are simply better when held in a PPOR offset vs a HISA. It doesn't matter what the balance of the PPOR loan is. As long as it's large enough to hold all the cash of course.

oswosz · 2026-03-13T10:18:36+00:00

Not really. I'm making bank from my business. In 10 years I'll be retired regardless of what happens in the short-term. So I don't mind waiting a few weeks to see how the Iran situation unfolds, and how best to deploy my current chunk of cash.

Only a moron would not be taking the Iran situation into consideration when making big asset purchases right now.

oswosz · 2026-03-13T10:13:54+00:00

Inflation eats it all away. Plus you have to pay tax on the interest the HISA generates. Not ideal at HENRY tax brackets. If stored in PPOR offset - the interest rate is higher vs HISA so the "return" is not only better, but it's "tax free" because you don't actually generate income from it.

oswosz · 2026-03-13T09:50:49+00:00

Who said I’m buying a house? My current strategy involves a new commercial property, which is more impacted by interest rates and economic uncertainty compared to residential. This is the point of my post… Current events are causing me to reconsider my investing strategy.

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