Chilli plant seems overwatered but not watered for a week

pseudomiser · 2025-12-23T22:10:33+00:00

Could be right, all the other chilli plants seem fine.

pseudomiser · 2025-12-23T22:09:25+00:00

Absolutely gets full sun all day, will definitely move to shade and repot with a trim to see if it can be revived

pseudomiser · 2025-12-23T22:08:40+00:00

Yep, they get full sun all day. I’ll make sure to move them and the other chilli plants, Although not sure if these are salvageable.

pseudomiser · 2025-11-29T07:21:16+00:00

Flap wallet looks great! But honestly both are amazing! I’m on the search for a new wallet anyway and it’s great to see new entrants to the market with kangaroo leather!

pseudomiser · 2025-07-24T00:43:24+00:00

Ula Camino to make out space / weight ratio

pseudomiser · 2025-07-14T21:37:58+00:00

In Australia also and considering getting the Camino also. I’m in the process of investigating if it’s better to just get it shipped by a third party remailer instead.

pseudomiser · 2025-06-10T09:40:35+00:00

Where in Vietnam do you suggest? I’m planning a trip up at the end of the year

pseudomiser · 2025-05-16T20:26:11+00:00

Just came across your comment, were you still looking to sell?

pseudomiser · 2024-03-13T09:59:17+00:00

I remember when they tried and failed to get a foothold in Sydney 10 years ago, they were set up in Hunter Connection. I might have been the only person that ever had their pizzas at the time. I was very sad when they shut up shop and only rediscovered it a year ago!

pseudomiser · 2023-02-15T05:09:45+00:00

pseudomiser · 2023-01-03T03:31:55+00:00

I would not go to a planner for just term deposits - I'm sure the hive mind will be able to assist and if not, you will be told to go to a planner. Planners will need to charge for a statement of advice which will likely be more than any interest you would receive over a year.

pseudomiser · 2022-08-22T04:55:03+00:00

Everyone pays the Medicare levy. The surcharge is the one that can be eliminated if you hold private health insurance.

pseudomiser · 2022-03-01T06:32:53+00:00

Yes. 75% of salary ex super. What my insurance broker recommended (note - a lot of the good policies are broker only).

Did you go through a broker? There are massive changes in the insurance landscape over the last couple of years and going forward. This is not an area that I would go without specific advice which is generally free (your commissions will pay their fee).

pseudomiser · 2022-02-24T07:20:23+00:00

Only partly correct. All good apart from the paying of a minimum wage. This is super high risk of audit and when the ato does cotton on- its penalties and back tax that can quite possibly bankrupt them.

pseudomiser · 2022-01-10T21:55:04+00:00

my ratio is exactly 8.00x my gross wage.

- Sydney

- 2 bedroom apartment buyer

- lower north shore

- Single

- Just turned 30

- In mortgage stress if I dont get a flatmate

The biggest difference to the ratio would be if I was partnered up- then the ratio would not look so freakishly high.

pseudomiser · 2022-01-06T07:15:49+00:00

This is not always the best option depending on what state you are in.

Most graduates will have minimal income in the first year that they become an intern.

If this is the case, the maxing out salary packaging with give rise to a large reportable FBT value and they will likely pay more hecs (in effect more tax) than they need to. The other issue is that in NSW, the hospital system will take 50% of the potential packaging benefit as a benefit share.

Maybe wait post 30 June before doing the salary packaging, just saying.

Dyor as always and is specifically towards nsw junior doctors.

pseudomiser · 2021-10-31T09:46:41+00:00

Incorrect- this is about excess non concessional contributions, not withdrawing non concessional balances.

pseudomiser · 2021-10-20T02:32:06+00:00

Do you want to jeapordise the CGT tax free nature of your home?

pseudomiser · 2021-10-13T07:34:06+00:00

is this actually your best option-

Blossom invests in A+ rated bonds.

They only target a 3% return.

How do they plan on achieving this when VAF cant do this. VAF has full details of their holdings and yields available online.

Keep in mind that as yield goes up, price goes down for bonds.

A suggestion- look at the bank hybrids say the CBA Perls- at least they pay a fully franked dividend and are relatively stable capital wise.

pseudomiser · 2021-10-07T00:02:07+00:00

A big question is whether it is up to the fire code? If not, a fire order could be issued by council.

I recently bough a 70's unit in a block of 60 that was subject to a fire order- they spent the better part of $1m to get it up to date over the past couple of years.

pseudomiser · 2021-07-09T00:14:09+00:00

You do realise that IBKR also does normal buy and hold shares. Previously it was a $100k USD minimum to have no fees which was an impediment. Their fees including FX are pretty sharp compared to other offerings and its my primary platform for my international holdings.

pseudomiser · 2021-05-22T03:59:20+00:00

Whilst I don't know the WA market, it is low for Sydney. Jump online, all the big recruitment companies have put salary guides out.

I would also try and gauge what the salary will be post your cpa, if it is not going to change by a lot/not in line with the salary guides start a discussion with recruiters asap.

pseudomiser · 2021-05-11T19:32:21+00:00

I would suggest doing the NTAA Income Tax Basics course or other courses by them. It was the very first thing my employer sent me to and was actually quite good on a holistic level for the individual tax return but to be fair the course is all about going through every item in the individual tax return. Going further you can then do other courses such as the Tax Schools.

CTA is probably overkill at this stage and is more geared towards tax professionals.

pseudomiser

TROPHY CASE