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motor vehicle insurance is 'occurrence based' ie it covers losses that occur during the period of insurance. So you are entitled to make a…

I used a Reclaim. More expensive than the cheap models, is it worth it? Who knows, its what I chose.

Heaters of this kind are as efficient as each other. You need a bigger heater to heat more air in a shorter time; the type of heater doesnt…

so every olive oil producer in the world has simultaneously met and create a worldwide shortage? Killed their own trees and threw away all…

Does your gym offer “learn to use the equipment” classes? But otherwise 2-4 sessions with a PT is all you need. Maybe 3 and then have…

Remember bananas at whatever ($50/kg) due to shortages? And now it’s done to $3/kg in season?

You know there is a worldwide shortage of olives due to disease and drought and the price of oil has gone up in every country?

GHHF if you have a long term horizon. The geared version of DHHF If you want 'high risk/low risk' then invest in different ETFs; not all in…

I have used UBank in quite a few E/SE Asian countries and works well. Gets good rates, free to obtain, link to payment apps etc The app is…

you are arguing over a 0.7% interest rate difference, which could be reduced to 0.4% or less after tax deductions. So around $800 pa cost…

Just buy more clothes and a few clothes racks..

you sound like a 'quick release'

The problem with the solar calculation is that most of your solar production is in summer during the day, and most of your electricity use…

I/O rates tend to be higher than P&I rates.

I switched from gas heating + instant gas hot water to reverse cycle + heat pump. My gas + electricity bill for last winter (well, just May…

No idea if Midea is any good. The specs look ok, COP of 4 which is as good as most. I don’t know what its minimum operating percentage is…

If you want tracksuit pants, get the some from Uniqlo.

I got a 16kw system installed recently and every quote was similar to yours. That’s the market. Complain all you want or keep getting…

Weird you get downvoted, every gym bro worth his salt is on the Vans or converse bandwagon, its seen by them as a sign of being ‘in the…

The point being that something costing $100 a few years ago is, in real terms, only costing $90 today.

It was cold Then you walk through the ‘airlock’ into a shop and it’s 20C and you spend 10 minutes taking all your clothes off.…

I bought it overseas but you can obviously buy warm if you want to pay. Rab is a good option if you have the $$ ($$).…

I have an Aldi jacket, a halo and a heavy duty north face down jacket. I live in Canberra so it does get cold The Aldi jacket is my…

Like I said, its up to your employer to specify. if they say only medical certificates are acceptable, then that is what the rule is. If…

mid sept is typhoon season so high risk anyway.

I could use them at my holiday house (if it actually had internet but whatever). Good for airbnb too I expect, or your pied-à-terre.…

It doesnt really matter where the money comes from. If its paid direct from the ABN account to your super fund, then in the books that…

Honestly I think you get a better coffee from a french press than a pod machine and even most high end auto office bean machines, albeit…

Do they do smart gas meters? Smart electric meters are annoying because you can see every kW you are using and the money flowing out of…

I think that persons comment is not entirely correct because the FWC makes assessments of the ‘reasonable person’ all the time. It’s…