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Devian666 posted:Most upvoted post says he'll be $30-$40k behind at best. To be honest if a job applicant tried to negotiate their pay down I wouldn't hire them, they'd be clearly too stupid to employ. Especially as a sales rep. How do you hire a sales rep that can't even negotiate their own salary?
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Nov 12, 2015 08:25
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Suspicious Lump posted:Not sure about USA but nutritionist in Australia is a non certified BS that anyone can claim. Dietitians are certified and require registration with a body proving expertise before you can use that title. In other words not only is she bad with money, she is bad with choosing a degree. gently caress me dead a dietitian should be earning decent coin whereever you go. Well she works at a "luxury spa/resort" and get's paid commission that must be either for sales or signing people up to something, so yes, definately sounds like a bogus "degree" which would also explain the student loans as all those bullshit qualifications always come with big price tags.
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Nov 17, 2015 06:26
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Series DD Funding posted:There are plenty of BTC exchanges now that are actually semi-regulated, cashing out is pretty easy regulated by who?
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Nov 26, 2015 23:35
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So what do you do if you live in one of the of the other 25 states? Rudager fucked around with this message at 03:48 on Nov 27, 2015 |
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Nov 27, 2015 03:45
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Reading further it seems like the sequence of events is.
Sounds like her civil suit hadn't even started, it all happened in a criminal trial against the other driver where she was used as a witness, but up until that point the dashcam was show she had run up $100,000 in false medical expenses and filed a false civil suit. There was never any discovery for her case because it never even got off the ground.
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Dec 1, 2015 02:39
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Vahakyla posted:So wait, was the cop driving an unmarked home, hence the dash cam? You don't have a dash cam in your car in the day and age of 18 year olds trying to commit insurance fraud to pay for spring break trips?
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Dec 1, 2015 05:30
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CelestialScribe posted:Fixed rate mortgages have never been popular here. Banks make money in variable rate mortgages, I imagine. Fixed rates here seem to have a lot of limitations like fees or limits for extra payments and no-redraw, so it depends on what you want/need.
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Dec 9, 2015 07:11
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Pureauthor posted:Make a law that 20% of your salary is automatically transferred to a savings account and can only be withdrawn when you reach a specified age. Welcome to Australia, except it's currently 9.5% on it's way to 12% by 2025.
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Dec 14, 2015 09:48
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CelestialScribe posted:Am I bad with money? I'm no expert, but as a fellow Australian of a similar age asking myself the same question now I have a house, kid and (humble brag time) managed to get into a position where we earn a decent amount more than we need, I've never seen any downside to putting extra into super (at least up to the point where you would have to pay tax on the extra contributions), lowering taxable income seems good and the only real downside seems to be that you might be able to get better results if you manage the money yourself for 30+ years, but while the returns aren't fantastic, but they're not terrible either. Also FYI, at least at this time, the age limit is going to be 65 by the time you get there. EDIT: And also, like anything that earns interest, it's better to put extra in early than late.
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Dec 21, 2015 07:32
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Subjunctive posted:If he's making $3K/week after tax, he's grossing close to $300K. I'm not totally convinced. Weird stuff happens this time of year, I get paid weekly, but my last pay was 3 weeks worth because the place I work at is shut down so they pay it up front, and the one before that was also rather large because the company lets employees cash out any sick leave over 100 hours every year and that works out to around 80 hours. Then on top of that I got a performance bonus cheque.
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Dec 23, 2015 05:49
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Speaking of Blue Story, if she was Australian I would have sworn I just saw her at the shopping center, as I got out of a lift there was a couple with 2 young kids waiting. The husband was wearing a Star Wars t-shirt and in their trolley was 2 x Star Wars branded kids car seats (the kids were maybe 1 or 2, so they would have been in one for a while yet already), and a bunch of other Star Wars poo poo in the bottom of the trolley
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Jan 2, 2016 09:32
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Haifisch posted:Never change, reddit. Well at least he's not one of those "I have 2 dollars and I'm spending it all on moving across the country to chase my drrreeammmm!" people. Hopefully they still have a decent chunk of cash when they realise how terrible of an idea it was.
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Jan 7, 2016 11:35
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Jeffrey of YOSPOS posted:Yeah I haven't seen this guy's history, the only trades he's done so far seem good? I'm not gonna look at a series of successful trades and think "what a retard". A guy winning 20k at slots is dumb, a guy consistently winning 20k at slots each week isn't. I'd assume he's actually good at predicting things(by, you know, cheating at slots). Most people buying individual securities are idiots but I'm not gonna conclude that from an example only including successes. It would be a good trade if there was a reason behind that extended beyond "Bitcoins good!". What information did he have when he bought the Bitcoins that lead him to believe the price would ever hit his sell limit?
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Jan 8, 2016 08:44
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Jeffrey of YOSPOS posted:If it's 3 times in a row, they're lucky. If they do it 20 times in a row, I want to know how. Like, if you watched a guy walk around a casino, pull 20 slots and win all of them, you wouldn't think that maybe he knew something you didn't? I don't really care about this guy and I don't "think he's smart" but I don't think he's a retard either just because he made predictions that were true. That seems like a very flawed way of looking at it. It was pure luck, there was no reason he should have done as well as he did. There was just as much chance that Bitcoin would be worth $0 right now. Same as the guy winning slots 20 times has no reason why it's happening, it just did because of luck. Someone being lucky isn't a reason to think they aren't an idiot.
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Jan 8, 2016 08:56
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Subjunctive posted:No, the solution is to abolish tuition and stop making education a commercial transaction. We did that down here in Australia once.... "Gough Whitlam posted:The Whitlam Government implemented a large number of new programs and policy changes, including the termination of military conscription, institution of universal health care and free university education, and the implementation of legal aid programs. With the opposition-controlled Senate delaying passage of bills, Whitlam called a double dissolution election in 1974 in which he won a majority in the House of Representatives, albeit a slightly reduced one, and picked up three Senate seats. The government and the opposition then had equal numbers in the Senate where they again voted against the six trigger bills which had formed the basis for the 1974 double dissolution. The Whitlam government then instituted the first and only 1974 joint sitting enabled under s. 57 of the Constitution as part of the double dissolution process. All six of the 'trigger' bills were then passed at the Joint Sitting in August 1974. So now not only do baby boomers continually carry on about buying a house with no concept of how expensive they are now, they also have no idea how much a university degree costs either because they likely never had to pay for one.
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Jan 22, 2016 06:01
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Dawncloack posted:As for the "cost" of a university degree, do you think it costs what US universities are charging? Not even loving close, I think my Comp Sci degree was about $20-25k and my wife Nursing degree was similar, but because there was a big lack of nurses when she was doing it she got a lot of discount benefits and ended up only costing like $10k. Also HECS/HELP is I get what you were trying to say, and I don't disagree with you, but it's annoying listening baby boomers talk about how you HAVE to buy a house, and you HAVE to go to university without really understanding what that means or costs in this day and age. Don't get me wrong, I'm very pro things like Universal Health Care and free university education and I think Gough would have been a loving awesome prime minister to be living under, but unfortunately I was born too late.
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Jan 22, 2016 08:34
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Hocus Pocus posted:The real question about the real estate bubble is: how can an enterprising young Australian like myself profit from this approaching disaster? Develop some sort of catchment device for all the baby boomer tears? This is how I profit from it, reading these articles that pop up at least 10 times a year http://www.dailytelegraph.com.au/re...22acfb0eb21e0aa http://www.news.com.au/finance/real...99ef07ee541f8dc Basically people who bought an investment property, lucked out with it increasing value dramatically then used the equity that appeared overnight as security against another loan for another investment that increased in value and then used the equity that appeared overnight as security on another loan.... You get the idea.
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Feb 25, 2016 11:36
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slap me silly posted:Holy poo poo. That's about my salary and I would never never horse. I think the key there is that 70% live in communities of <50,000 people, so basically they're not talking exclusively about race horses.
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Mar 5, 2016 12:43
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Tea.EarlGrey.Hot. posted:http://www.vice.com/read/millennial-debt-across-europe-north-america-australia Well at least the Australian guy makes us sound normal.
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Mar 17, 2016 02:30
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Haifisch posted:On a more serious note, getting other people to cosign your car loans is GWM. The decisions leading up to that are not. I'm trying to figure out what "Computer" is a code word for.
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Apr 12, 2016 04:50
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BEHOLD: MY CAPE posted:He makes six figures but borrows cash from his girlfriend making MINIMUM WAGE or else their $8.99 NETFLIX gets shut off!!! I don't think the statement meant she was on minimum wage, just that she could survive OK if she all of a sudden ended up on minimum wage.
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Apr 25, 2016 04:29
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canyoneer posted:One was some great BWM. This couple wanted to buy in Sydney during a huge property boom, but couldn't afford to. So they bought an "investment property" townhouse in a suburb with a long term tenant locked in for the next 7 years. They bought for $180k, with an interest-only mortgage. They completely neglected all upkeep, which they got away with because the tenant was a slob anyway. The owners literally didn't even have a key for the property. https://en.wikipedia.org/wiki/Negative_gearing#Australia As an Australian, I can tell you this isn't strange or uncommon at all. I work with a guy who is normal everyday dude and has had a financial planner give him that exact advise in the last month or so.
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May 2, 2016 20:25
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Jmcrofts posted:So the principle at work is "just assume property values will always go up, forever"? Basically. The real trick is to find the sweet spot where you're negatively geared, but cash positive where the depreciation keeps you negatively geared, but the tax benefits are greater than the amount you're out of pocket for. Yes, it's confusing as gently caress. http://www.yourinvestmentpropertymag.com.au/expert-advice/lindy-lear/demystifying-positive-and-negative-gearing-142811.aspx posted:Depreciation expenses can be the key to a positive cash flow
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May 2, 2016 21:26
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Aliquid posted:What's a million-dollar house look like in Australia/New Zealand anyway? I have a very clear picture of what that'd get me in the bay area, NYC, rural Texas, etc. but I have no baseline for this. Are they US-style McMansions? Ranch houses on lots of property? A million bucks in Sydney is going to get you a very average 3-4br home in an OK suburb 30-40 minutes from the CBD. If you don't mind not having a backyard you can probably knock 100-200k off. FAKEEDIT: I think this is one they used as an example in the 4corners video linked earlier http://www.realestate.com.au/property-house-nsw-strathfield-122354970
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May 3, 2016 02:02
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r/personalfinance seems to be a goldmine right nowhttps://www.reddit.com/r/personalfinance/comments/4hw0lx/my_28f_sos_23m_family_might_be_doing_some_shady/ posted:I'm hoping you have some advice for me about how to help my SO be more financially legit. He works for a family-owned auto/collision business and gets paid weekly by his brother. He doesn't pay taxes on this income and has never filled out a W-4 or received a W-2, and I'm not sure of the tax situation with the family business. His family is not from the U.S. and I think they are skeptical/have a limited understanding of proper documentation for things like this. As a result, he has limited understanding of the potentially huge implications for him financially and career-wise, and I am only just beginning to understand all the problems with his situation. I don't know much about the American tax system, but this sounds like a giant clusterfuck of dumb.
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May 5, 2016 00:36
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We're on a roll today"Woman to appear in Waverley Local Court after $4.6 million ‘wrongly transferred’ into account posted:A “GLITCH” in Westpac’s banking system allowed a Sydney teenager access to $4.6 million, part of which she spent on luxury handbags, a court has heard. quote:Police allege $4.6 million was wrongly transferred to her account in 2012, when she was just 17, and that four years later, the woman had still not returned the money.
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May 5, 2016 04:47
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Weatherman posted:OK sorry I meant "online, for free, and with a minimum of hassle". Any Australian salary worker who pays someone to do their taxes is immensely BWM. All the information is already filled out for them, it's basically a 2 minute formality of logging into e-tax and confirming it's all correct
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May 5, 2016 23:34
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Breetai posted:Stop buying candles. "it was only for that one month mom, GEEZ GET OFF MY BACK!"
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Aug 5, 2016 11:28
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TLG James posted:So what's the closest spot an American can go to get a nice horse steak and a horse burger? Pet food shop. As someone who's worked in the meat processing industry for a few different companies doing a few different kinds of animals for the last 10 years, the whole "logistically impossible" thing of processing horses is well, horse poo poo. Sure if you put a horse through a place setup to process cows like I think the previous poster assumed, it will causes huge problems, but there's pet food processes killing horses on a daily basis with no issues what's so ever. It's not done because there's no market for it in places like the US, which mostly boils down to people not wanting what they consider pets. I don't want to go into any more detail though because this isn't the thread for it
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Aug 30, 2016 12:19
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monster on a stick posted:There are some incredibly creative ways to defraud a company besides just handling cash. Some stuff I can't talk about for reasons but for instance, you can order stuff for your company (think anything - computer parts/software, supplies, whatever) and turn around and sell it on craigslist. Google "internal fraud", there's tons of it out there. There has even been espionage because some spook was in debt up to their eyeballs and insert-foreign-government-here offered them a bag of cash if they handed over some papers. You don't even have to be that secretive in some situations, the last IT job I took over, the previous guy had been buying stuff from his own personal company, he told management that he was doing so to buy things at wholesale costs to save them money. He left and 2 weeks into my new job I had the HR girl give me an invoice from him where he was demanding immediate payment, I couldn't believe what I saw him demanding. One of the items that caught my eye was 20x250Gb SSD's for $600 a peice (about $300 each at the time from a local retailer), it caught my eye because they were still sitting in a box in a cupboard doing nothing, I told the guys in charge they should just tell him he can have them back and waive the invoice and cataloged all the other useless poo poo that was still in their original packaging (low price stuff, keyboards, mice and USB sticks) and advised they should probably do the same with all this useless junk. Instead they didn't want to cause a fuss and just payed him. 
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Feb 7, 2017 11:51
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