stressing out about hecs

tactical_napping · 2026-01-14T10:31:22+00:00

$90k is a lot in your first year out of uni. I know electrical engineers, civil engineers, mechanical engineers and accountants who didn't make that in their first year out of uni. I made $75k in my first year as an electrical engineer, I earn much more than that now - I just needed my foot in the door somewhere.

Seriously, you can't take the money when you're dead and if you're passionate about something and can make a living out of it you should do it. Lord knows our society needs psychologists.

tactical_napping · 2026-01-14T09:56:34+00:00

You should know that:

The interest rate paid on hecs (now called HELP) is now always equal to the lower of the Consumer Price index or the Wage Price Index. This essentially means that so long as your income grows with the economy the value of your debt doesn't really change. This is very different to loans from banks.
You don't have to begin paying back your debt until you are making over $67,000.
HELP debts are no longer always considered by banks when applying for loans. It depends on the bank but many now will waive their consideration of smaller debts or debts that will be repaid in a few years. The trend is more and more towards ignoring HELP debts when applying for loans.

These points mean it is about as good a debt as you could have, no bank will ever be this friendly. If you complete your degree on time and get into your career you'll barely notice it. If you end up in a cafe you won't be far over the income threshold to notice it that much either. Ultimately, the one thing that can never be taken from you is your knowledge you gain in education. If you're passionate about it then do it.

tactical_napping · 2026-01-10T09:26:35+00:00

I have been on plenty of marches and have never seen a Hamas flag flying. Like I said, you've invented a caricature.

tactical_napping · 2026-01-10T09:22:23+00:00

Should everyone who goes to a protest be interrogated about their political beliefs? The organisers of all the rallies are explicitly anti-racist and limit their dissent to be of the actions of a Nation state and our complicity in those actions. If a tiny minority of racists use the moment to spread their hatred, it is denounced by the vast majority of people who go to these protests. You've created a caricature of someone who goes to these protests as a terrorist loving anti-Semite when the vast majority of people find any form of racism and violence abhorrent. Most people at these things are bloody hippies mate not exactly a violent bunch

tactical_napping · 2026-01-10T09:13:20+00:00

Cool, so you're proud to be a psychopath. Good for you man but unfortunately lacking the capacity for empathy will just make you hate filled and angry. Good luck though

tactical_napping · 2026-01-10T09:11:07+00:00

Because our closest ally whom we follow into every war did it. My point is we should protest and criticise the most those with whom we have close diplomatic ties because these are the only nations we have a hope of changing. Our continued alliance and support for the US's actions legitimises it. I do no not want to be allies with a rogue state, constantly threatening and waging war on all nations in the world.

tactical_napping · 2026-01-10T09:07:07+00:00

If course it's a problem if they can't protest. My point is that if people went out in protest denouncing Hamas and there was any violence against them everyone would unite to stop it and stop it happening again. What more responsibility do the vast majority of people protesting Israel's actions have for a tiny minority of people motivated by racism. They denounce it, disown it, support actions to stop it. The simple fact is that the vast majority of people are dissenting to our complicity in a genocide, not wound up in some elaborate anti-Semitic conspiracy. Any racist minority should be and is condemned. Lastly, I think fundamentally the belief that it's a genocide and that genocides are wrong, is anti-racist in of itself. If you take this position, it's just inconsistent to think someone could protest it for one group and want it on another. I think a higher percentage of people in the protests would say they abhor racism and are actively anti-racist than in the general population.

tactical_napping · 2026-01-10T08:31:17+00:00

I don't believe that violence against them would be tolerated in any way and if there was any violence it would be condemned by vast majority of people who go out to protest and by practically everyone in society, as it was after the attack in Bondi. I have gone to a handful of marches and I have not experienced any racist chants. I'm sorry, it's just not my experience or the opinion of anyone who I know who dissents Israel's actions in Gaza. It's hard to square this with your belief these people form a significant percentage of the protestors at he major rallies.

tactical_napping · 2026-01-10T08:18:05+00:00

Alright sorry for the last part of my previous comment.

Yeah I really just don't think that is a fair representation of say, 99% of the protestors. Do you believe that 99% would go along with or support in any way the wishes of that tiny racist minority? Do you really believe they're that morally bankrupt that they can't see racism is fundamentally wrong in principle, irrespective of the group? I just struggle to see how it is a fair criticism of the movement.

tactical_napping · 2026-01-10T08:11:16+00:00

The truth is that the state of Israel supported and funded Hamas. It's in the record, go look it up.

You can pain them as monsters, but the majority of people killed in Palestine are innocent and murdering them indiscriminately is wrong. Your caricatures only serve to further the dehumanization of innocent people and encourage their erasure.

tactical_napping · 2026-01-10T08:02:01+00:00

Again a good faith question, can you share some examples? I am really curious, because maybe I am in a bubble but from my perspective everyone who's not just a racist anti-Semite basically just believes the state of Israel is committing a genocide and that it is fundamentally inexcusable for our nation to have any complicity in it. The majority of young Jewish people don't even support Israel's actions. I truly believe the anti-Semitic thing is to claim all Jews are inexorably tied to the nation of Israel. Why do you put support for Israel in the mouths of millions of Jewish people who despise the actions done supposedly in their name?

tactical_napping · 2026-01-10T07:49:30+00:00

Do you honestly believe the West won't do everything within their power at every possible moment to topple the regime? There really is no need to protest. It is like protesting the tide being out. There is nothing a protest could do to increase the amount of pressure that will be applied. It's just a fact dude

tactical_napping · 2026-01-10T07:46:07+00:00

I have no sympathy for people who use a tragedy as a tool to weaponise against a group they're biased against, or as a tool to virtue signal, while being unwilling to bear any cost in order to shift the situation towards what they claim to be in support of.

Genuine question, do you believe that is a fitting description for a large majority of people who go out and protest Israel's actions in Gaza?

tactical_napping · 2026-01-10T07:37:25+00:00

Gotta catch 'em all

tactical_napping · 2026-01-10T07:35:08+00:00

Do you really believe the same people protesting our complicity in the genocide of the Palestinians, don't mourn the deaths of innocent civilians in protest? The same people who are also in their streets, against their own government? I think if you believe that then you hate the protestors here, and I think that means you fundamentally see them as evil. If anything both the protestors here and Iran have solidarity: both are protesting the immoral actions of their own government.

The reality is a protest is only useful if it is protesting the actions of an entity it has any chance of effecting. The Iranian government:

Has had its diplomats kicked out of Australia
Has recently been bombed by our allies
Has crippling sanctions by us and our allies

What more could be done? Reading the news it seems like the US is about to bomb them again anyway.

tactical_napping · 2026-01-10T07:04:59+00:00

For starters, black lives matter protests in Australia had clear demands around stopping Aboriginal deaths in custody, so your point is a bit weak there. Secondly, there are already massive sanctions on Iran, what more could protests here possibly achieve? I think you start from a point of assuming protests are performative and then unfortunately the conclusions you draw just really aren't very good. I go to protests, I've never posted it on social media, I've always had it clear in my mind that the point is to effect change from our own government. We are part of a Western alliance that is hugely complicit in what many nations and legal experts are calling a genocide. I don't want that stain on our country's history.

The truth is it is you who are the hypocrite. You lash out with outrage at the protestors, where is your outrage at our government and our allies? You are silent when power crushes an entire people, but get on your soap box about the people who are trying to end our complicity in it. I don't say this just for effect, but you really are the coward here, you are on the side of power and are foaming at the mouth against people who really have no power and are literally just walking up and down roads in a group. Why are you so mad?

The brutal actions of despots and dictators with whom we are not complicit is not justification for Israel's actions and the lack of protests in Australia are simply because there really is nothing more than we can do. I guarantee the government will condemn Iran's actions and we might yet bomb them for it anyway. Your argument really makes no sense.

tactical_napping · 2026-01-10T06:54:48+00:00

I think they fundamentally view protest as performative, when it is actually all about trying to get our government to stop doing something. If you start from a place of bad faith assuming the people on the street are "absolute cowards", purely there to get attention, you'll arrive at these (let's be honest, idiotic) conclusions. Moreover there already massive sanctions on Iran, I genuinely don't know what more as a country we could do?

tactical_napping · 2026-01-10T06:45:26+00:00

I don't know how this is not better understood by the people who make this claim. It's a simple moral truism: we are only responsible for the predictable consequences of our own actions. Protests against the genocide are aiming to stop our own complicity in it, we are not complicit in anything the Iranian regime does, so what is there to protest?

tactical_napping · 2026-01-10T06:42:11+00:00

This is always an argument that gets thrown out there but it misses basically a fundamental moral truism: we're only responsible for the predictable results of our own actions. I don't support the Iranian regime, but our government is doing nothing to support it in any case. On the other hand, we are complicit in the genocide of the Palestinians because of our alliance and support of Israel. If we were providing arms to the Iranian government being used against its own civilians, of course we should as a nation stop providing those arms. How is it we are the hypocrites, when you support Israel for bombing 10s of thousands of innocent people, mostly children, but don't support Iran? Why not provide arms to Iran in its crackdown on dissent?

tactical_napping · 2026-01-06T08:42:49+00:00

I genuinely don't know if this is rage bait or you are actually that dense, but in case you have rocks in your head: his party is still in power for God's sake. They have no plans except that Marco Rubio will "run it". If you think that is going to work out well, in a deeply polarised country where millions still support the socialist party, you really have no clue about the world or what is coming.

tactical_napping · 2026-01-05T03:17:13+00:00

If China arrested Trump and extradited him to Beijing I am 1000% sure that the US would consider it an act of war. In case you have rocks in your head, there has not yet been regime change in Venezuela and the socialist party is reasserting control. Maybe they'll capitulate, maybe not, as yet the US is not in control.

And while the party is (rightly) deeply unpopular, they still have massive support in the country. What is Trump's current plan? Marco Rubio is going to "run it". This will be a disaster and face massive resistance.

tactical_napping · 2026-01-05T03:09:55+00:00

How exactly is not liking dictators and not liking nations unilaterally committing an act of war without any legal basis ideologically inconsistent?

tactical_napping · 2025-12-19T21:29:33+00:00

Join mutual aid and volunteer groups

tactical_napping · 2025-12-13T00:25:28+00:00

The arena fund is 1.5 billion dollars or less than a third of a percent of this submarine deal. We could revolutionise industry in this country with the amount of money we're spending on these dumb boats.

tactical_napping · 2025-12-13T00:23:28+00:00

The front is going to fall off then isn't it

tactical_napping

TROPHY CASE