u/Altruistic_Ad_7572

Recently met with a financial planner. Really keen to get life insurance and TPD in place to protect my family if something awful were to happen to me. Quote seems reasonable but he is pushing me strongly on income protection. My thought is if I have life insurance, TPD cover, trauma cover, work cover and considerable savings, personal leave and annual leave is income protection needed? Worst case scenario is I go on Centrelink, I earn 83k currently so it’s not like I’m protecting an enormous salary. Thoughts?

Edit: Financial planner has been engaged only as an insurance broker, no fee for me, they get commission from the insurer. My super is painfully low and so is the death and TPD included there, this new policy would replace the existing and still be paid from the super account. I think my mind has been changed, thanks for all great replies.

Totally get drivers not seeing you when turning left across a protected bike lane, never expect them to give way and will always give a wave/thumbs up when they do but.. for the love of god, don’t turn across the whole bike lane and then stop because you’ve realised too late you were meant to give way. Gah!

Was out and about somewhere in the inactive lava zone, I think in a narrow bit that leads somewhere deeper, I don’t know, it’s very dark. Got warped out of the prawn and it’s like the prawn went under the lava, I’m at about 1200m and the prawn is 100m straight down. Can’t figure out how to get it back, very hard to drive the cyclops through there. I’m at the point I think I need to start cooking a new prawn. Help?!

This is a question for the Vline staff here. Is it possible to apply for a ride along. For context, I’ve applied for a job as a trainee train driver and I’d love to get a proper sense of the job. Obviously I’ve watched videos and read as much as I can but it would be so great to do a work experience day. Is this possible or are those driver cabins strictly staff only?

Very scary moment riding home from work today. Tesla SUV had pulled up behind a long tram at the lights, the tram doors were shut but they stayed behind the tram. I cycled past and up to the lights. There were parked cars in the left lane ahead so I wasn’t worried about cars trying to pass the tram. Took off on the green light and the tram starts dinging like crazy, all of sudden the Tesla shoots past trying to beat the tram and misses me by centimetres. So fast and so silent. A second later another car tries to make it through, clips me with the side mirror then slams on the brakes because there is no room between the tram and the parked cars, they missed the tram by a millimetre. Just terrifyingly stupid driving by both cars and a big reminder to me to just take the whole fucking lane.