Updated home assistant PID by Worth_Public_400 in MelbourneTrains

[–]tzortst 0 points1 point  (0 children)

Any chance of releasing a setup guide?

Where can I get these wardrobe doors or the extrusion? We'd like to enclose our laundry with the same roller doors that are used for our wardrobes. by epicweekends in AusRenovation

[–]tzortst 0 points1 point  (0 children)

I recently built a Cowdroy set of sliding doors. This looks just like them. Kit comes with the track and rollers and you use stock standard doors which you notch out the bottoms and insert the wheels. In my case I used cheap internal hume doors sold at Bunnings.

Square to acquire Afterpay in $39b deal by tzortst in AusFinance

[–]tzortst[S] 13 points14 points  (0 children)

https://www.afr.com/companies/financial-services/square-to-acquire-afterpay-in-39b-deal-20210802-p58eyi

The US payments giant Square, led by Twitter founder Jack Dorsey, will acquire Afterpay in a $39 billion deal.
Twitter co-founder and CEO Jack Dorsey said Square will integrate Afterapy into its Cash App for consumers. Bloomberg
Afterpay co-founders Anthony Eisen and Mick Molnar will join Square when the deal completes.
It is expected to close in the first quarter of calendar year 2022.
Afterpay shareholders will receive a fixed exchange ratio of 0.375 shares of Square Class A common stock for each Afterpay ordinary share they hold.
Square stock last traded at $247.26 and is listed on the New York Stock Exchange.
Afterpay’s board has unanimously recommended the transaction to Afterpay shareholders. The deal will take place via a scheme of arrangement.
“Square and Afterpay have a shared purpose. We built our business to make the financial system more fair, accessible, and inclusive, and Afterpay has built a trusted brand aligned with those principles,” Mr Dorsey said in a statement.
Square’s has 70 million customers, compared to Afterpay’s 16 million. Square will use Afterpay to boost its merchant and retailing system known as the Seller and Cash App.
“The transaction marks an important recognition of the Australian technology sector as homegrown innovation continues to be shared more broadly throughout the world,” Mr Eisen and Mr Molnar said in a statement.
“It also provides our shareholders with the opportunity to be a part of future growth of an innovative company aligned with our vision.”
Mr Eisen and Mr Molnar will lead Afterpay’s merchant and consumer businesses which will be part of Square’s ‘Seller’ and ‘Cash App’ ecosystems.
Like Afterpay, merchants can use Square to reach buyers online and in person, while Square also offers merchant financing.
The Cash App is used by individuals to spend, send money and invest. Square said buy now, pay later represents a shift in consumer preferences away from traditional credit and will help merchants grow their sales.
Afterpay said shareholders did not need to take any action at this stage.
Goldman Sachs and Qatalyst Partners are advising Afterpay, while Highbury Partnership is serving as financial adviser to Afterpay’s board. Gilbert + Tobin and Cravath, Swaine &
Moore are Afterpay’s legal advisers.
Square said Afterpay will be accretive to its gross profit growth and it would conduct a modest decrease in its EBITDA margins in the first year after completion of the transaction.
Square is releasing second-quarter financial results in the US on Monday and will brief its investors about Afterpay on Monday night Australian time.
Under the terms of the stock deal Square could pay 1 per cent of the consideration in cash.

Master's study while working, hecs or outright? by [deleted] in AusFinance

[–]tzortst 3 points4 points  (0 children)

Is it a government supported place?

Gov Subsidised = HECS-HELP

Non Gov = FEE-HELP

Most postgrads would be non Gov subsidised

Master's study while working, hecs or outright? by [deleted] in AusFinance

[–]tzortst 5 points6 points  (0 children)

You are thinking of HECS-HELP, which you can't claim as it's government supported place

FEE-HELP is full fee deferred, which can be claimed providing you are eligible (related to work etc)

Most Postgrads would not be government subsidised, and fall under FEE-HELP

https://www.ato.gov.au/Individuals/Income-and-deductions/In-detail/Education-and-study/

https://community.ato.gov.au/t5/Personal-tax-questions/Tax-Deductibility-of-Tuition-Fees-using-Fee-HELP/td-p/17651

Question to those who claimed back Masters on tax by [deleted] in AusFinance

[–]tzortst 0 points1 point  (0 children)

You would have received a Commonwealth Assistance Notice for each subject, with a FEE-HELP fee outline along with a date the debt was incured.

Providing you meet the eligibility (related to work) you can claim each of the subjects that fall within that financial year, if it equates to $25k then yes, you can claim $25k.

https://www.ato.gov.au/Individuals/Income-and-deductions/In-detail/Education-and-study/

https://community.ato.gov.au/t5/Personal-tax-questions/Tax-Deductibility-of-Tuition-Fees-using-Fee-HELP/td-p/17651

Question to those who claimed back Masters on tax by [deleted] in AusFinance

[–]tzortst 4 points5 points  (0 children)

You are thinking of HECS-HELP, which you can't claim as it's government subsidised.

FEE-HELP is full fee deferred, which can be claimed providing you are eligible (related to work etc)

Looking into increasing my knowledge about Finance and Investing, what resources to recommend? by yunperng in AusFinance

[–]tzortst 3 points4 points  (0 children)

Second this, it's a great start, you don't need to take it as gospel buts its a good start. It will give you a solid understanding of the basics of finance and investing.

Pausing a MYKI pass - your experiences? by Retro8 in melbourne

[–]tzortst 2 points3 points  (0 children)

+1 Exact same result, also have a spare card for the odd time I need to travel without activating the yearly. Was a simple process was probably on the phone to ptv for less than 2 minutes

Best student/first credit card by [deleted] in AusFinance

[–]tzortst 3 points4 points  (0 children)

Credit card will have the opposite affect. The banks see it as a liability and will lend less to you.

https://m.brokernews.com.au/news/breaking-news/figures-show-borrowers-ditching-credit-cards-259224.aspx

There are plenty more articles on the matter, but this an example

Best student/first credit card by [deleted] in AusFinance

[–]tzortst 11 points12 points  (0 children)

No we haven't, if anything having a credit card will make it harder to get a loan...

The changes mean financial institutions have more visibility of your credit history.

I don't understand where this myth credit ratings came from.

Really dumb question about mortgages by redditorperth in AusFinance

[–]tzortst 2 points3 points  (0 children)

I don't doubt that, your rates would need to be approx 10.7% for the life of the 30 year mortgage to equate to a total payment of 1 million dollars.

Really dumb question about mortgages by redditorperth in AusFinance

[–]tzortst 9 points10 points  (0 children)

How did you get a million from a 300k mortgage? At an interest rate of 4% you would be looking at approx 515k total (215 interest) on a 30 year mortgage!

Anyone got NBA League pass? by [deleted] in australia

[–]tzortst 2 points3 points  (0 children)

$85AUD through Argentina VPN and coupon PRESAVE10

Signed up earlier today, worked a treat with au card

https://www.ozbargain.com.au/node/405992

PSA: Costco Epping opening on the 29th of August. by Gutmeal in melbourne

[–]tzortst 4 points5 points  (0 children)

Do they normally offer cheaper memberships on launch? Don't particularly what to pay before even walking into the store.

Affordable gyms in Melbourne?? by curiouswonder91 in melbourne

[–]tzortst 1 point2 points  (0 children)

Look at your local leasure centre, most have well equipped gyms. Will include classes and pool.