Thursday, October 10, 2019

Aldi Onix dashcam a waste of money.

A dashcam can be very handy. When there's an event that's happened you can go back and review the event. However, that doesn't work with the Aldi Onix dashcam because when it deletes older files to make more room, it doesn't delete the oldest first as expected. In fact you'll find there doesn't appear to be any logic to which files are deleted.

The following is a list of files on the SD card in the Aldi dashcam today.

I was interested in the recordings for the 23rd of September 2019. As you can see there's only one recording for a single journey. On that day there were three journeys with perhaps more recordings as recordings are for a time slice of five minutes and not the entire single journey.

Just to make sure the dashcam is recording all of the trip, I checked today's journeys and all of the journeys were recorded, so there's no reason to feel the dashcam isn't recording the journeys.

For the previous day not all the journeys had been recorded. Some at the beginning of the day had been deleted.

I think we'd all expect older recordings would be deleted first to make room for new recordings, but this isn't happening with the Aldi Onix dashcam.

A second issue (although not as important) is the packaging for the Aldi Onix dashcam has a clear night-time picture on the box. The Aldi Onyx dashcam has no ability to take night-time pictures. A night time feature isn't mentioned on the box but the packaging could mislead people to think the dashcam can work at night. It does work at night, but you don't get anything you could use.



A third issue which is very important is the quality of the images. A car in a shopping centre damaged the side of my car when it left. I had the number plate details of the car caught on the dashcam, but the quality was so poor number plate was not able to be read.

In hindsight, at the time of buying I felt the Aldi Onix dashcam was good value. However, if the dashcam doesn't provide what you need when it's needed, then really it isn't very good.

I'd suggest giving the Aldi Onix dashcam a miss.

Kelvin Eldridge
www.JustLocal.com.au



Friday, September 27, 2019

Compound interest calculator shows the impact of tax and the Medicare Levy on savings.

We're always told with investments, you can't beat the effect of compound interest. With compound interest you earn interest on your interest. The calculators you find online can all show the benefit of compound interest, but what they don't show, is just how much impact taxes can have on the end result. Even the government's ASIC Moneysmart site doesn't include the option to enter a tax rate.
The Compound Interest Calculator shows quite clearly the impact of taxes on your savings and depending in the interest rate, can make quite a significant difference to the end savings.
For example:

Initial amount: $10,000
Interest rate: 5%
Number of years: 10

End result: $16,470
Interest: $6,470

Now let's enter 32.5% and Medicare Levy of 2%.

End result: $13,904
Interest: $3,904

The impact on your savings due to taxes is very significant giving just 60% of the interest that could otherwise be made if the government didn't take taxes each year. If taxes were taken out at the end of the period, the interest earned would be $4,237, or about 8.5% more.

For those interested extend the time out to 30 years and you can really see the difference taxes make.
Generally compound interest calculators aren't particularly useful in the real world because they don't take into account the government needs to collect taxes. The Compound Interest Calculator provides a better estimate of the return on your investment that ends up in your pocket.

Kelvin Eldridge
www.CompoundInterestCalculator.com.au
Compound Interest Calculator

Tuesday, September 17, 2019

Petrol Price Alert - Petrol prices have unexpectedly gone even higher at 171.9 cents per litre for unleaded.

Recently I wrote a post to let people know petrol prices were on the increase. However, I have to say I've never seen this before, even as prices at those first stations to lift prices started to drop, we've seen prices go even higher. The petrol price hike looked like it was going to go to 167.9 but now a number of petrol stations have put prices up to 171.9.

The average gate price(think wholesale) today was 130.7 so this price has also increased 1.2 cents. That doesn't explain the additional 4 cent jump. As a consumer you can only think this is taking advantage of the hype recently in the media with the Saudi Arabia oil plant being bombed.

What will happen in the future is hard to say but the media is conditioning people to expect higher prices and since we're expecting it, it will probably happen.

There's still time to shop around so it's hard to tell if prices from now will go up fairly quickly or whether some will hold back. Certainly paying 171.9 when you can currently pay 126.5-129.9 elsewhere doesn't make much sense.

Now I'm not an economist but what I find interesting is higher petrol prices have an impact on inflation. I read a 10 cent increase in petrol gives a 0.6% increase in inflation. Since we're seeing that an more recently with the petrol price hikes, higher than expected inflation appears to reduce the chances of an interest rate drop. It is amazing how all these things seem connected. For the consumer all we see is higher prices in one area.

Keep a close eye on petrol prices over the coming days. Don't forget to lock in using the 7 Eleven Fuel App to keep prices low for another week.

Kelvin Eldridge
Petrol Prices Melbourne

Sunday, September 15, 2019

Petrol Price Alert - Prices around Melbourne have started to increase to 167.9 but dropped to 166.9.

A couple of days ago I noticed a couple of petrol stations around Melbourne had increased their prices to 167.9. Today some of those petrol stations have dropped their price to 166.9.

The current average gate price (think wholesale) of unleaded petrol is 129.5 so we're seeing a price increase of 35-40 cents. This price hike range has now occurred for the last few price hikes which is higher than the 25-30 cent price hike seen over the past few years.

The media has also reported the drone bombing of Saudi Arabia's biggest oil plant and it's been suggested prices may go up as a result. Prices were already on their way up before the bombing occurred so this may add additional pressure to oil prices.

How quickly petrol prices will rise is hard to tell as we approach the next school holiday period, since it's still around two weeks away.

Time to keep on eye on petrol prices over the coming week to two weeks.

Kelvin Eldridge
Petrol Prices Melbourne
www.PetrolPricesMelbourne.com.au

Friday, September 13, 2019

Is your variable rate home loan with mortgage offset account costing you more than a fixed rate home loan?

I suspect more of us when we get a home loan look at the fixed rate and variable rate and make a pretty quick decision for one or the other. Variable even though it currently has a higher rate but have an offset account to save money, or fixed because it saves money now.

Of course the big one is which way are interest rates going to go in the near future (1-2 years) and if they're going to go up, fixing the rate is a good idea, but if they're going to go down, variable is a good idea or is it?

When I wrote the Fixed vs Variable loans calculator I recently released, the first version of the calculator only went as far as showing how much money was needed in the offset account to recover the difference of the lower fixed interest rate. That in itself required understanding the financial calculations and formulas, even going back to basics to work out the formula.

However the problem is this solution was incomplete. It assumes the money in the mortgage offset account isn't otherwise generating any interest. That's not realistic. If you have a reasonable sum of money it should be in an account earning interest. In addition each year you need to pay tax on that interest.

So the question really is, how much do you need in the mortgage offset account to not only cover the fixed and variable interest rate difference, but also how much to cover any interest the money would otherwise earn in an interest bearing account, whilst also taking into account tax and the Medicare Levy?

The Fixed vs Variable loans calculator has now been updated to handle the complete picture. By entering the savings interest rate, tax and Medicare Levy, the calculator provides how much is required in the mortgage offset account taking in all those factors.

I have to admit even I wasn't expecting the amount to be as large as it is. If people don't take this into account many people will be paying more for their loan than even they think they are. In a way this is deceptive on the part of the banks. Banks aren't informing people how much they really need in their mortgage offset accounts.

This reminds me of the days when people were buying items just to get rewards points, where the cost of the items often meant they were wasting money since the points had such low value.

I certainly had no idea of how much money really is needed in the mortgage offset account to break even. Now at least people can be better informed by using the calculator.

The only remaining issue is whether interest rates will go up or down. A small change in the rates can have a huge impact on the break-even point.

I hope others find the Fixed vs Variable loans calculator to be useful. If you have a home loan you really should plug in your figures and see if there's a better option for you.

Kelvin Eldridge
Fixed vs Variable loans calculator


Monday, September 09, 2019

Fixed vs Variable Home Loan - How much is needed in a mortgage offset account to break even?

Currently the fixed interest rate on home loans is lower than the variable interest rate. It makes sense then to take out the fixed interest rate doesn't it?

Well the answer isn't quite that simple.

When you first take out the loan it may make sense. People won't have much in the way of savings. However it really depends on how much people have left in savings. Variable rate loans often include a nice feature called a mortgage offset account. When you put money into the mortgage offset account the interest on your mortgage is calculated on the balance of the mortgage less the amount of money in the offset account. The best part is it's tax free. If you put the same money in an interest bearing account you'd get taxed on any interest earned every year plus you have to pay the Medicare Levy. Not so with a mortgage offset account.

So the answer to this question really is how much money do you need in your mortgage offset account to break even. This isn't a simple calculation so I decided to write the Fixed vs Variable Loans calculator to provide the answer.

It may sound strange, but if you have some savings, the variable interest rate loan may be the better option even thought the rate is higher. Give the calculator a go and see what is best for you.

Kelvin Eldridge
www.FixedvsVariableLoans.com.au 

Thursday, September 05, 2019

Centrelink PDF upload error - Unexpected error happend. Please try again later. Error code - undefined

If you're trying to upload a PDF document to Centrelink and receive the error message: "Unexpected error happend. Please try again later. Error code - undefined", the following may help.

This type of error has been occurring for years. Not sure why, but it can be frustrating when you're trying to upload a document. If the document is a single page document that can be viewed on a computer screen the following tip may help.

To get around the "Unexpected error..." you can try to convert your PDF file to an image file. The image file can then be uploaded and this has worked.

Convert the PDF document into a PNG graphic file as follows.

Open the PDF document either using your browser or Acrobat PDF Reader. Other PDF readers may also work.

Enlarge the document to full-screen mode. That is you can only see the document and it takes up the entire screen. You may also wish to rotate the document so the document takes up more of the screen and the information is larger. For example if you have an A4 document rotating the document may give a better result.

Press PrtSc to perform a print screen (this captures an image of the screen into the clipboard)

Open Microsoft Paint

Paste the captured image into Paint (use the Paste option or Control+V)

Save the image as a PNG file

Now you can upload the file to Centrelink.

Kelvin Eldridge
www.OnlineConnections.com.au
IT support

Wednesday, September 04, 2019

Tuesday, September 03, 2019

Pia's Survivor challenge. What really happened.

I read the following article about Pia on the Survivor challenge and how she may have grab the bar with both hands before the end of the challenge meaning she would have been disqualified.

Luckily for Pia it appears no one at the time realised what she had done. The production company indicated there was a micro second when Pia grabbed the bar with two hands and Luke let go. However this really isn't what happened at all.

The good thing about the video in the following article on News.com is you can grab the slider and drag the video backwards and forwards.

https://www.news.com.au/entertainment/tv/reality-tv/australian-survivor/australian-survivor-viewers-fume-over-pias-controversial-challenge-win/news-story/866f2df3296e84c5d0bb77d3b327adc5

What actually happened is Simon lets go and starts sliding. He is out of the challenge. Pia then grabs the bar with both hands whilst Luke continues to hold on. We watch Simon slide off the equipment and into the water, then the camera returns to Luke and Pia. We can clearly see Pia holding with both hands and Luke holding on with one hand. Luke then lets go and Pia is declared the winner.


Pia was not struggling and I suspect that was because of her light weight. She most likely could have easily continued and won. In this case however she breached the rules and should have been disqualified. Luck was on her side and her breach wasn't noticed.

13s - Simon lets go of bar
14s - Pia holds on to bar
15s - Luke lets go of bar

For those into Survivor and wanting to know what happened, hopefully this answers the question as to what happened.

Kelvin Eldridge
www.JustLocal.com.au

Friday, August 30, 2019

Nearest train station, nearest Vline train station, nearest tram stop moving to Mapz.

After reviewing the Nearest Train Station site (which contains nearest Vline train stations and nearest tram stop) I''ve decided to migrate the Nearest Station site into the Mapz site. By making train, Vline and Tram stop locations available under the Mapz site this makes the sites easier to find for users. It also makes the Vline and Tram information more obvious.

You can find each of the services at:

Nearest Train Station
Nearest Vline Train Station
Nearest Tram Stop

Alternatively you can visit Mapz and select the services from the list of options.

Kelvin Eldridge
www.Mapz.com.au

Tuesday, August 27, 2019

Car running cost calculator and cost to run per kilometre over the first 10 years.

The Car Running Cost Calculator has been really good in helping me get a handle on using the car versus options such as using public transport. By clicking on the example button in the calculator the actual costs over 10.38 years are provided. By adjusting these figures others can also get a handle on how much their car is costing them per kilometre.

Now one thing came to mind and that was, what if people sell a car sooner. How does that affect their cost per kilometre?

Whilst not scientific, the first thing I needed was an estimate of how much a car drops in value from the day you purchase it. One site gave a figure of 24% in the first year and then 6% each year after that. I thought that was a good figure as it roughly corresponds to what my car was worth after 10 years.

I took the figures my example data provided and then divided the number of kilometres by 10.38 to give my yearly travel distance of 13,627 km per year. I left all the figures for each year the same with the only change being the residual value of my car. I plugged this information into a spreadsheet and obtained two interesting figures.

The first was the effect of the high depreciation in the first year and then the straight line 6% drop in value each year after that. In years 14 and 15 the car would go negative so I entered a notional value of $500 which I consider the car would then be worth. Maybe more, maybe less, but at least I have something to work with. This figure isn't about getting rid of the car at an earlier year, but shows me the cost per kilometre assuming I keep the car for a long time and there's not major unexpected costs.

Year 1: 88 cents per kilometre
Years 2-13: 42 cents per kilometre
Year 14: 33 cents per kilometre
Year 15: 27 cents per kilometre

What is good about these results is you can quickly see after the first year, my car is costing me roughly 42 cents per kilometre. It should be noted I didn't finance the car and used savings to purchase the car. That meant I did lose some interest on the money that I haven't factored in. Over the 10 years I'd estimate this to be around 2-3 cents per kilometre.

Let's now look at what I was really after. What is the cost per kilometre and how is it affected by disposing of the car earlier.

Year 1: $2.22 / km
Year 2: $2.06 / km
Year 3: $1.91 / km
Year 4: $1.76 / km
Year 5: $1.60 / km
Year 6: $1.44 / km
Year 7: $1.29 / km
Year 8: $1.14 / km
Year 9: 98 cents / km
Year 10: 83 cents / km
Year 11:  68 cents / km
Year 12: 52 cents / km
Year: 13: 37 cents / km
Year 14: 30 cents / km
Year 15: 30 cents / km

When you look at these figures you really can't help but be amazed at how much per kilometre it costs if you turn over your car regularly.

A few factors to consider when comparing your costs to mine are that my car was more expensive than the average car at around $35,000. Being a small people mover (possibly heavier) it means my cost of fuel may also be higher. I also drive only around 14,000 km a year which is under the average. Those who drive a lot bring their cost per kilometre down quicker. Basically by driving more you spread your fixed costs (registration, insurance and the cost of the car) over more kilometres each year.

For example a lower cost car costing around $25,000 and using say 80% of the petrol and driving twice as far a year would almost halve the cost per kilometre if the car was kept over a long period of time. In terms of disposal the cost per kilometre would be around 89 cents per kilometre in the first year dropping by 6 cents per kilometre per year after that.

I hope others find this information and the Car Running Cost Calculator useful for them.

Kelvin Eldridge
www.CarRunningCostCalculator.com.au

Tuesday, August 20, 2019

Petrol Price Alert Melbourne - Unleaded petrol increasing to 165.9.

Last Thursday saw the first signs of the current petrol price hike. Over a few days only a small number of petrol stations increased their prices so I felt it best not to make the announcement at that point in time as the price increase was happening slowly. Letting people know too early means they can jump the gun and get petrol too early in the price hike part of the cycle.

The petrol price hike is now well under way and the price is hiking to around 165.9 for unleaded petrol.

In the last couple of months we've seen the petrol price hike increase prices by over 35 cents per litre above the gate price (think average wholesale) which is currently 129.0. For the last couple of years the price hike has been between 25-30 cents so we're now consistently seeing  higher margins on petrol  which is a concern, but not much we can do about it. Except of course, avoid the high prices as best you can.

We can expect the current price hike will result in most of the service stations increasing their prices by late this week, to early next week.

My tank is literally on empty so I've timed this top up well. For those using the 7 Eleven Fuel App keep an eye on the 7 Eleven Fuel prices and lock in a price in a few days time. Remember you can be driving around Melbourne, using public transport, or even be interstate (I once locked in a price in Sydney whilst sitting on the aeroplane) and if there's a cheaper price, you can lock that in and top up, up to seven days later. It's a good way to give you that extra boost on a lower petrol price and take you closer to when prices have dropped considerably.

For example petrol prices drop from the highest to the lowest over about a month. Sometimes shorter, sometimes longer. Let's say you fill up weekly. If you fill up just as the price has nearly peaked at a low priced petrol station, that's the first week of petrol. Using the 7 Eleven Fuel app to get the cheaper price one week later, that takes you to the end of the second week. At this point the petrol will have dropped by around half the price hike, or between 10-20 cents per litre. For a 50 litre tank that means you're saving around 35 cents per litre in the first week, around 25 cents in the second week giving a saving of around $30 which adds up to around $390 a year (13 x 4 weeks). Then shop around in the  third week as there can be quite a difference as prices have spread out and you're likely to save around 10 cents a litre saving another $65 a year. Then you're ready to fill up again when the price is low. A possible saving of $400-$500 a year per car just by knowing when petrol prices are hiking.

Kelvin Eldridge
www.PetrolPricesMelbourne.com.au

UPDATE: 27/08/2019
I thought I'd point out a couple of interesting things that's happening with the current petrol price hike.

The first is how incredibly slow the price hike is occurring. It's around a week and a half since the first petrol stations started to hike their prices. Why I can't be sure, but perhaps it's because the Victorian school holidays are around three and a half weeks away and hiking the price too early means prices are going down when people fill up for holidays.

The second observation is whilst some petrol stations are hiking to 165.9, since there's been a delay, some are now hiking to 155.9. That means there's already a 10 cents per litre price difference in the market. As of today there's still around 20 per cent of petrol stations selling at the old low price so there's still time to fill up at the lower price. There's also a few 7 Eleven petrol stations offering the lower price that you can still lock in, but they are spread out.

It will be interesting to see what happens as we approach the school holidays.

Sunday, August 18, 2019

Pension Age Calculator web app now available.

In keeping with things that take my interest I recently wrote the Pension Age Calculator to help people determine when they'll reach pension age.

Normally knowing pension age is very simple. It used to be 65 years of age. However at the current time the pension age is gradually being increased to 67 years of age. At one point it was mooted this may go to 70, however that is not currently the case.

To help people know when they will reach pension age I wrote the Pension Age Calculator.

I hope you find it useful.

Kelvin Eldridge
www.PensionAgeCalculator.com.au

Friday, August 16, 2019

The Pines Shopping Centre car park slippery and dangerous in the wet.

Recently I was returning to my car with a younger person at The Pines Shopping Centre. It had been raining but now the weather was fine. As I walked I stepped onto the driving direction arrow on the road and thought that felt pretty slippery. The next moment the younger person next to me did the splits and down they went.


Getting older this type of fall can really hurt and if you do your back, shoulder, or the many other parts that seem to give more issues as you get older.

I can't help feeling the arrows on the road now seem to be more slippery in the past. I don't know why. I do think however The Pines Management should rethink the material used for the arrows. A non-slip material should be a must.

The Pines Management have allocated the parking bays near these arrows reserved for the elderly, and a fall at that stage of your life, can lead to fatal complications.

It really isn't good enough to use material on roads that make them slippery in the wet, but more so if the road is used as a shared walkway as they are in shopping centre car parks.

Kelvin Eldridge
www.JustLocal.com.au


Saturday, August 10, 2019

New site called Taste Test - www.TasteTest.com.au

Sometimes you just have to do it. Our family has fun at get-togethers participating in a taste test. These taste tests can be quite informative. It's interesting to see what people prefer the most and how different, or the same, people can be.

I decided to start a site where I share our taste test results. Perhaps it will interest others, perhaps not. Either way the information is available for those who find it interesting.

Enjoy.

Kelvin Eldridge
www.TasteTest.com.au

Wednesday, July 24, 2019

Mobile speed camera locations Melbourne and Victoria.

A while ago I created a website which provides the locations of fixed red light and speed cameras (www.SpeedCameraLocations.com.au). The Victorian government also provides the location of approved mobile speed camera locations, so I decided today to add an additional page listing the mobile speed camera locations.

You can find the list at www.speedcameralocations.com.au/mobile/.

I hope you'll find the page useful.

Kelvin Eldridge
www.SpeedCameraLocations.com.au

Friday, July 19, 2019

Petrol price alert: Melbourne prices rising to 167.9

Tonight I noticed a number of petrol stations raising the price of unleaded petrol to 167.9 or slightly less. This is to be expected as prices have dropped to around the gate price (think wholesale) which is currently 132.6 and a large proportion of petrol stations around Melbourne are under the 130 mark. Prices are again rising around 35 cents which is much more than the 25-30 cents seen over the last couple of years. Perhaps this is the new norm.

It's also now a week after school holidays and many people will be filling up again after filling up at the end of the school holidays. Perhaps it's just coincidence, but prices in the past week have fallen much faster than usual to have the low correspond to this weekend. I'll let you be the judge.

Time again to watch the petrol prices and watch 7 Eleven prices if you're locking in the fuel price using the 7 Eleven fuel app.

Kelvin Eldridge
www.PetrolPricesMelbourne.com.au

Thursday, July 18, 2019

Woolworths Petrol deal with BP falls through, but new deal with Caltex struck.

I was looking forward to the Woolworths/BP deal but as we've seen, that appears to have been canned by the ACCC. All's good though as the Woolworths Group has entered into a new long term agreement with Caltex. More information on the news can be found using the following link.

https://www.woolworthsgroup.com.au/page/media/Latest_News/woolworths-group-enters-convenience-and-loyalty-alliance-and-new-15-year-wholesale-fuel-arrangement-with-caltex/

One benefit of this new agreement for consumers is another 125 Caltex sites will be participating in the Woolworths Rewards scheme. Caltex fuel prices especially with the discount voucher have shown to be competitive over the years so hopefully this helps consumers manage their fuels costs.

Kelvin Eldridge
www.PetrolPricesMelbourne.com.au

Wednesday, June 26, 2019

Alert: Melbourne petrol prices starting to hike to 155.9 - 165.9

Petrol prices in Melbourne appear to be going up, however what they are going up to isn't quite clear.

In Templetstowe the 7 Eleven is 155.9, but in Clarinda the 7 Eleven is 165.9. That's a huge difference. Either way as we approach the school holidays it does appear petrol prices are on the rise.

The current gate price (think wholesale) is 124.4 cents per litre for unleaded petrol. The petrol price usually increases by 25 -30 cents per litre, so unless wholesale petrol prices are rising quickly (and there's no evidence of that), we can expect prices to rise to around 150-155. Higher and that would be the highest jump I've seen since writing these blog posts. That would certainly be a money grab by the petrol retailers.

Time to keep an eye on petrol prices as we approach the school holidays.

Kelvin Eldridge

Thursday, May 30, 2019

Cycling incident with ute near Main Ridge Mornington Peninsula leaves many questions.

Yesterday I read an article on the News.com.au which had a video of a ute overtaking a group of cyclists only to shortly after overtaking turn into a a property causing a number of cyclists to be in an accident.


I read articles like this as I like to understand an improve my driving skills and my very basic riding skills.

The article was well written and simply report the information provided. It did not make a judgement on who was in the right or wrong. The person reporting the incident, known as Clint, appears to be one of the riders. The location was not provided except that it was in the Main Ridge Mornington Peninsula area. The time of the incident was during a weekday morning ride. Whilst it is hard to read the date/time stamp looks like it is Mar 29 or May 29 at 10:35. At the news article is dated May 29 at 8:35am, this must have been in March.

The headline "Cyclists slam ute driver after accident" was written leading one to feel this was a ute driver at fault which plays into the cyclist versus cars mentality, which reinforces the us and them argument.

What is also interesting is to read the comments and whilst I admit I don't know all the road rules, so I'm like everyone else, some of the comments show people getting the road rules wrong.

Watching the video the ute driver was not considerate of other road users. Around five seconds after overtaking the riders, the ute driver turns into a property.

The first question I have is has the ute driver done anything wrong. Whilst we may not like a car overtaking us and then making us slow down immediately afterwards, I don't think that is illegal. Yes rude, but that's what people can be like.

It appears from the video the ute driver's indicator isn't on whilst overtaking, or moving back into the left lane. However, when the ute driver turns into the driveway, the indicator does appear to be on.

After overtaking a single white line divides the road. The ute driver has returned to the left lane before the single white line appears. The ute driver turns right over the single white lane into a property, which as I read, is legal.

The ute driver's driving would thus appear to be legal, although for many it may be considered rude, but that's not illegal.

There is a group of eight cyclists travelling together. The leading two cyclists have  time to slow and stop as the ute turns into the property. A voice is heard calling out wait, wait, indicating an issue.

At this point the outside cyclist in the second row loses control and falls off their bike. This causes the inside cyclist in the second row to lose control. The third row of cyclists avoid the two fallen cyclists. The rider taking the video in the fourth row who appears to move left and right in the lane indicating the fourth row may be staggered, then loses control and falls.

The rider taking the video has around three seconds warning from the wait, wait alert to when the second rider has fallen blocking their path causing them to lose control.

According to the article, "The abrupt move led to two cyclists crashing as they were forced to slam on their brakes to avoid running into the back of the vehicle." This doesn't appear to be correct. The two cyclists in front had stopped so the two that fell had to break to avoid running into the two stopped cyclists.

Clint uses word's such as deliberate which imply to me as a reader the driver deliberately meant to interfere with the riders. This may not have been the case. Yes their action was deliberate to turn into their driveway.

Clint states the car didn't have to merge back in front of them before turning into the driveway. Clint's suggestion for the ute would mean the ute would probably be breaking the law by driving on the wrong side of the road (divided by a white line) and turning incorrectly from the wrong lane.

Client states the driver was more interested in arguing, however from the gesture of the first rider's arm held up in the air and body turned toward the ute, you could only assume the driver would be entering into a heated situation.

In the comment section a person states the cyclists were riding two abreast which is illegal in Victoria. Riding two abreast is not illegal in Victoria.

When I look at this video I see two problems. A driver of a ute who is not considerate of other road users. A group of riders who are travelling too close together that would enable them to safely stop if they have to.

Until reading this article I thought there was a road rule that said if I left the road turning into private property I had to give way to other road users. I took that to mean road users behind me. I decided to read the road rules and I could not find anywhere where people who turn into private property have to consider road users behind them. Yes to pedestrians and other vehicles they have to give way to, but that's not vehicles behind them.

Was the driver's driving style illegal I don't know. We see driving like that all the time on our roads were people speed ahead just to block the traffic and turn at the next intersection.

Whilst the cyclists may not be happy, as soon as the vehicle has overtaken and is in front of them, if the vehicle puts their indicator on to turn for a sufficient period of time, the cyclists should slow down and stop if necessary.

According to Clint the riders had been travelling at 35 to 40 km/h. This speed is not insignificant. The close formation riding is a concern. The video shows the riders in front whilst inconvenienced had no problems stopping. The riders following had significant issues stopping and in three cases ran into serious issues possibly causing injury.

The problem for the riders, apart from the action of a driver, is they weren't travelling at a safe distance from each other which would enable them to stop safely if required.

Perhaps it's time for peloton style of riding to be reviewed on our roads. If riders need to train peloton style, then perhaps additional safety controls should be put into place. We may not like it, and cyclists certainly won't, but people's safety is important. None of us like giving up anything, but this happens all the time in our society, so hopefully our society works better together.

Kelvin Eldridge
www.JustLocal.com.au


PS. This video has been posted on YouTube (https://www.youtube.com/watch?v=Xp3d4qojvx8).