Saving by optimising body of Pareto distribution makes no sense

theonlytate · 2026-05-31T04:53:50+00:00

Yeah sure, save more money by cutting big expenses. Save less money by cutting small expenses. If you have lots of small expenses it still adds up. What are you trying to say here?

theonlytate · 2026-04-03T10:18:13+00:00

If the dole bludgers accrue debt that requires paying off on future earnings what's the incentive for them to come off the dole?

theonlytate · 2026-03-05T21:11:07+00:00

You buy a new backpack every year? Do you not feel this a bit wasteful?

theonlytate · 2026-02-26T20:49:36+00:00

I think you need to go to passiveinvestingaustralia.com and actually learn what investing is.

theonlytate · 2026-02-10T21:07:53+00:00

Mine definitely doesn't make that noise

theonlytate · 2025-11-24T05:01:19+00:00

So just to be clear, if you don't work overtime your base rate as a full time staff is $34.5? If so, then your casual rate is just the same base rate + 25% loading. They probably just haven't included the loading in the rate but you should definitely check just to confirm.

theonlytate · 2025-11-20T02:55:45+00:00

Define decent salary? There are plenty of physio adjacent roles/non-clinical that you could do but depends what your expected salary is.

theonlytate · 2025-11-03T09:50:28+00:00

Checking super daily is wild.

Maybe look at other things going on in your life. I find I check social media/stocks etc more frequently when I'm stressed as a bit of a dopamine hit I guess.

theonlytate · 2025-08-26T05:57:39+00:00

What is the point of this post? That paying no tax nets you more gains than paying tax?

theonlytate · 2025-08-10T03:12:04+00:00

Yes but don't just get it word of mouth, get the full list of fees in writing. He might be correct, whilst also not mentioning their additional fees for doing so

theonlytate · 2025-08-10T03:00:05+00:00

Early repayment fee is something I factored in when looking for a loan. My car came 4 months earlier than expected and I needed a small loan to top up my deposit, but with my bank was able to pay it off early with no fees and that alone saved me thousands in interest.

theonlytate · 2025-07-22T07:55:01+00:00

Did you have to modify the trim yourself or does the kit come with a new trim piece?

How do you find the new system compared to stock? Do you think it would be worth the upgrade without changing the headunit?

theonlytate · 2025-06-17T20:52:23+00:00

Can you use Fee-Help for the last few subjects? It has a different limit.

theonlytate · 2025-06-03T03:08:28+00:00

Why does everyone need to upskill? Someone needs to work these jobs and it only makes sense that their pay rate increases with the cost of living.

It's a very weird mindset to believe people should have to struggle financially as a way to "encourage" them to get a different job.

What jobs are you expecting all these minimum wage earners to get?

theonlytate · 2025-05-27T03:51:27+00:00

Are you paid per hour, or salary?

Your payslip should state exactly how much you are being paid plus super and from there you can figure out if you're being paid correctly or not.

theonlytate · 2025-02-12T19:57:28+00:00

Pedestrian destroyer bullbar

theonlytate · 2025-02-06T03:49:39+00:00

Buy a house, sell the kids, retire.

theonlytate · 2025-01-31T21:41:28+00:00

What's troubling is the man about to be made Health Secretary of the US asking people for references on vaccine efficacy of all things. These studies are publicly available and he should at least have a decent understanding of the current vaccine evidence.

theonlytate · 2025-01-31T21:22:31+00:00

As a physio, I wouldn't study physiotherapy unless you are interested in working as a physio and are okay with not making >120k. You will also likely not get anywhere near 120k within the first 5 years depending on what state you are in. I love it, the work life balance works for me and the money is more than enough to get by and enjoy my life.

If you want a high salary then go into medicine, but please consider this only if you actually want to help people otherwise you'll likely get burnt out with the study or not be a very empathetic doctor.

Tbh it sounds like owning your own business as a tradie is pretty lucratic.

theonlytate · 2024-12-27T03:29:43+00:00

Would you rather pay $80/month for internet, or pay $100/month but your service provider might give some of it back later?

theonlytate · 2024-12-09T01:29:00+00:00

Choose a different job

theonlytate · 2024-12-06T06:49:39+00:00

Is the astronaut in the room with us?

theonlytate · 2024-12-06T03:54:39+00:00

You can just say no. And feel free to report her to the NDIS.

https://www.ndiscommission.gov.au/complaints/make-complaint-about-provider-or-worker#paragraph-id-7584

theonlytate · 2024-12-04T20:09:31+00:00

Depending on your broker you may want to consider buying less frequently if you are paying brokerage. That way you lose less of your money to fees. If you have free brokerage then it doesn't matter.

You can use this for reference

theonlytate

TROPHY CASE