shadowaway

He told me that the tax benefits of salary sacrifice aren't really effective until you can drop in to the next lowest tax bracket. But I thought we had progressive tax brackets, and that all that matters is the amount you choose to sacrifice.

So my understanding is that if I sacrifice $5,000, my taxable income will be lowered from $77k to $72k (excepting things like concessional tax rates) and I'll pay $3,572 plus 32.5c for every dollar over $37k. But he told me there's no point tax-wise unless I can get down to the $37k bracket.

Is he correct? For context, he works for the super fund my company uses so this was a free appointment.

I updated my phone overnight last night, and now when I unlock it I get the following message:

"Enter your pin as required by the security policy instead of using face recognition"

I went into security settings and face recognition was enabled. Turning the setting off and on again didn't help, and neither did restarting the phone.

I googled the error message and it looks like there have been similar problems when using apps that automatically lock your phone, but I'm not running any of those.

Does anybody have any ideas? Thank you in advance.

As an Aussie myself, Mike sounds like a Brit to the core. But according to everything I've read he was born, raised and educated in Melbourne, and only moved to the UK as an adult. In series 2 he mentions going back home to Australia.

Does anybody know what's going on there? This series is usually so good about this sort of thing.

I have had oily hair for as long as I can remember. I'm talking same day oil - sometimes it even feels oily straight after washing it!

I've read all the common advice here, and I don't wash it too often - three times a week maximum. I've been doing that for about five years and my hair never adapted.

I've really struggled to find products for oily hair, and I finally settled on the Lush Jumping Juniper shampoo. That worked for a while but now my hair seems to be used to it, and they've stopped making Jumping Juniper in Australia.

I have to put dry shampoo in my hair every morning and it's driving me crazy! What should I try? Is there a solution I'm overlooking?

My boyfriend and I are going to Los Angeles next month, and we are thinking of going to the Wizarding World of Harry Potter while we are there.

I've heard it's not as good as the one in Florida. However, Florida is not an option for this trip and since we are travelling from Australia it's not likely to be an option for a long time.

So if you have been to the Los Angeles one, is it still worth going to? And is it worth getting a front-of-line pass or is it a waste of money? If it makes a difference we are planning to go on a Monday outside of school holidays.

Thank you!

I am looking for a book that I read about five years ago. It's the story of an English girl who is going out with a rich guy and has a rich dad. The guy breaks up with her and her father dies, leaving her with nothing.

She finds a flat with three male flatmates, and does all the cleaning to help supplement the rent. She also works as a photographer's assistant. There's a love triangle story between her and two of the flatmates.

If you have any idea what the name of the book could be, please let me know!

I was reminded of book by the novel 'The Light Between Oceans', but the book I'm looking for came out prior to 2008 so it's definitely not that.

The plot is that a baby girl is found washed up on a beach, and is taken in by townspeople. I think they name her Aurora. I think it's an unusual community, maybe based around fishing, and maybe somewhere in the Arctic circle with midnight sun. The girl grows up to not fit in with the community. I don't remember any more of the plot.

I read it at some point between 2003 and 2007, but I don't know when it was released.

Thank you!

I'm going to the US in a couple of months, and the exchange rate is looking pretty good right now. I'd like to lock it in by purchasing some cash, but I'd prefer to do so in a card format so I'm not carrying too much cash on holidays.

I've been comparing travel money cards (http://www.canstar.com.au/compare/travel-money-cards/?country=USA) and the best one seems to be Qantas Cash. Does anybody have any experience with this?

Alternatively, are there any better ways I can buy US dollars at the current rate over the internet? I live in a country town so nothing is open on the weekend, and I'm worried the dollar is going to drop over the next couple of days. I tried cash passport with travelle

I was recently planning a capsule wardrobe for a trip away, and it occurred to me that I don't actually own any jackets - I never have!

Until now I've never lived in a place where you needed a casual jacket rather than a blazer, cardigan, jumper or coat. I have no idea what a casual jacket looks like! I've been looking online and they all seem to be either leather (or similar) or anoraks.

Are there any other styles of jackets out there? What do you wear over a casual dress or with a pair of jeans that isn't a cardigan? What's your go-to jacket?

Are you a customer retention specialist? A receiving assistant manager? A client-facing transponster?

What would your job title be if it was based on what you spend the majority of your time doing?