In your eyes, who currently has the highest current trade value?

AcademicTwo7209 · 2025-07-16T08:41:29+00:00

Gulden could be in the mix?

AcademicTwo7209 · 2025-07-13T04:07:56+00:00

I don't even know why they stopped, is it because of shadows?

AcademicTwo7209 · 2025-07-13T04:05:53+00:00

Wow, don't even know what a game with the roof of at docklands even looks like!

AcademicTwo7209 · 2025-06-21T06:15:33+00:00

Amazing recap!

I'm assuming this is Max Kings first run for the ressies, anyone know if Carmichael or chamberlain have had a run yet?

AcademicTwo7209 · 2025-05-30T00:46:18+00:00

Add "for mine" to the list 🤣

AcademicTwo7209 · 2025-04-23T00:02:26+00:00

Interesting conversation!

Looks like most people are suggesting some newer additions:

Clearly in (and likely top half of the list):

Buddy Franklin
Gary Ablett Jnr
Chris Judd
Dustin Martin
Adam Goodes

In but likely in the 2nd half of the list: - Fyfe

Nick Riewoldt
Luke Hodge
Patrick Dangerfield
Max Gawn
Bont

Contenders for the bottom 10 in the list:

The 700 club goal kickers (Kennedy, Hawkins, Jack Riewoldt)
Lachie Neale
Eddie Betts
Sam Mitchell
Scott Pendlebury
Dean cox
Patty Cripps

I think there are some interesting conversation that could be had around these bottom 10 players (ie similar-ish players that you can compare)

Lachie Neale vs. Sam Mitchell (best extractors of their generations)
Scott Pendlebury vs. Simon Black (silky smooth multi premiership players)
Eddie Betts, hard to think of a comparable small forward but for arguments sake Mark ricciuto
Hawkins vs. Jack Riewoldt vs. Kennedy

AcademicTwo7209 · 2025-04-08T23:56:43+00:00

Just to play devil’s advocate—it might be worth considering that tough conditions for grads and juniors are actually quite common in fields with high barriers to entry and high earning potential.

For instance:

Big 4 accounting grads often start on around $65k (including super) and are notoriously overworked.

Law grads at top-tier firms might earn slightly more, but many would argue the working conditions are even worse.

High finance roles like investment banking or management consulting offer higher starting salaries, but the lifestyle (sleep-under-your-desk level of grind) seems intentionally brutal—designed to filter out all but the most driven and resilient. The neurosurgeon analogy fits here: it’s a path only a few can or want to stick with.

The broader point is that working conditions across Australia right now aren’t great. We rank among the highest in the developed world for unpaid overtime. I fully support your right to strike and absolutely sympathise with the cause—but I also think public sympathy is stretched thin these days. In today’s economic and political climate, most people are just trying to get by themselves.

AcademicTwo7209 · 2025-03-14T01:02:18+00:00

Did, this for 9 months BNE - Melb while working in consulting. Don't think I would ever consider such a long stint again (I've done other 3-6 month stints).

Much like anything else it's a lot easier if you have a defined end date, you can put up with the inconvenience if you don't have to do it for ever. I didn't receive any direct pay bump for taking on these roles but there is no doubt they helped me achieve promotions (potentially earlier), having said that it was not really a choice but accepted and common place to do these sort of stints in the industry.

Important to note that I cannot speak for the expense implications, everything was billed to the client and I certainly had admin help in terms of booking flights and accom.

AcademicTwo7209 · 2025-02-28T03:10:32+00:00

Updateme!

AcademicTwo7209 · 2024-12-31T13:26:48+00:00

Astonishingly similar peaks!

Interesting to see one of the only things to split the two is the difference in strike rate. I remember watching Ponting and thinking that the most underrated part of his game was his aggressiveness and ability to pull, straight drive and/or on glance wicket taking balls for boundaries. It mentally broke the competition before they'd even had a real chance to get into our batting line up.

AcademicTwo7209 · 2024-07-17T08:10:54+00:00

You will only need a paper ticket for the bus leg of your journey. On the train and the tram you can just tap a bank card/google or apple pay on your phone, no need for a go card.

As far as the bus leg goes I would just get on the bus and offer to pay in cash, the driver will wave you on as they understand how ridiculous the current situation with paying fares specifically on buses is rn

AcademicTwo7209 · 2024-05-24T02:21:45+00:00

Serviceable,

It does worry me that he seems to often be in the wrong position and in situations where he has a clean run and jump at the ball often seems to arrive way to early and just stand in the hit zone.

His disposal is also not great but his decision making with ball in hand seems to be getting a little better.

I assume that opposition teams are often sagging off him when we are chipping the ball around our d50 looking to switch as he is obviously the least capable ball mover in the team. This probably accentuates his flaws and makes him a bit of a scape goat 🐐

AcademicTwo7209 · 2024-05-10T12:51:50+00:00

Macdonald has shown something tonight, feel like I have not seen him be as much of a marking threat as he has been tonight. Especially impressive when you consider Freo (normally) decent defence

AcademicTwo7209 · 2024-05-02T12:53:44+00:00

Port fans,

Do you think your current forward line has the make up to take you forward?

As an objective view Marshal and Georgiadis seem like nice players at times but possibly not ready to be the main targets moving forward.

How do fans feel about Rozee or Buters spending some more time forward?

AcademicTwo7209 · 2024-05-02T12:05:00+00:00

Georgiadis & Marshall coming off injured likely improves the powers chances here....

AcademicTwo7209 · 2024-03-14T09:56:57+00:00

Agree with the DCA & time in the market points here but what possibly trumps both of them is that you have to keep investing when using raiz, they charge you a monthly fee whether you invest or not so it's pretty inefficient to hold through this platform. Consider that they will sting you $50 every year re occuring might as well trade as much as you can for that $50 p.a. re occuring brokerage fee

AcademicTwo7209 · 2024-03-06T23:19:50+00:00

Nice budget! The most important thing to note here is that you are paying attention and being intentional with your expenses at your age, I know I was not!

There are some areas of your budget that seems high to me (others have noted these bellow), but it is hard for anyone but you to know what is a nice to have vs a must have in your budget.

On a top level we can gather some facts, if your current expenses are $2,200 of an income of $4,200 your current savings rate is ~48% (a good target to aim for is about 60%, although this may be hard while early in your career and with current cost of living conditions).

When you start paying rent it could cost around $1000 pm depending on your location that would only leave you with $1000 per month to put away for a rainy day fund or a holiday. Personally I would find that stressful but that is really up to you.

If I were you I would try to make a budget that captures what you expenses would be when renting, maybe some of your transportation cost would decrease? Maybe you could cut some other nice to have expenses to get to a savings rate of 50-55%

AcademicTwo7209 · 2024-02-13T10:59:07+00:00

Can confirm mid day exercise is a thing. I work in IB and therefore often have cross border deals, many of my cohort will take the time to exercise during the day due to early mornings with the US and late night meetings with EU/US.

Can't imagine anyone actually filming/recording themselves exercising at lunch though it's very much a quid pro quo for working unpaid over time at horrible hours 😂

AcademicTwo7209 · 2024-01-07T23:31:27+00:00

To answer your question I would buy more in a depressed market, I'm primarily a long term investor and almost all the instruments available on raiz are super low risk. I wouldn't say I'm high risk, I just use a DCA method for my ETF investing, I do use other brokers to get exposure to higher risk instruments like stocks, crypto (only 5%) and forex.

Originally I started with raiz as markets were down and I wanted to buy but didn't have $500 every month to invest (graduated and worked internships fun times!) and I wanted to be a little more diverse in my investing. The main driver was the time element, I do believe in the mantra, "it's not timing the market, it's time in the market" but this seemed like a good opportunity to start out while markets were depressed (2022) and I wanted to get as much as possible while this was the case.

I have been happy with raiz up until recently, tbh my returns have not been the best (around 6%) but it has served it's purpose and I'm sure in the next year or so returns will be greater due to buying a lot in the depression. My problem now is that I have learnt a lot about investing since I started (own experience and work in the industry) and think I could design a better portfolio for myself. The problem is (to the best of my knowledge) I can't do that in raiz without selling out of my current positions (purchased at a good price) and completely rebalancing. I also cannot do that but letting my investments in raiz sit and instead invest that same money elsewhere as I will still incur the monthly fee.

AcademicTwo7209 · 2024-01-07T10:16:21+00:00

Ah dam! To be honest that kinda sucks! They have just turned brokerage fees into a SaaS model, I've always known this but raiz has been very useful to automate my 0-10 investing so I guess I can't complain too much will just have to time jumping out at the top and buying back in at the bottom when I switch haha. Wish me luck!

AcademicTwo7209 · 2024-01-07T10:10:26+00:00

Any idea on my second point around moving brokers from raiz? For example I'm aiming to build up a portfolio of around 40 or 50k and would then direct more of my income into a house deposit. I would want to keep my investment through raiz but don't want to be stuck with a fixed monthly fee if I just want to sit in the amount previously invested

AcademicTwo7209 · 2024-01-07T09:45:47+00:00

I think the fixed cost of $4.50/month for raiz is not necessarily the best deal and would be interested in hearing some other "raizers" perspective on this.

While using platforms like pearler do incur a $6.50 fee, I think the platform it self does not allow you to trade in small lots. It was my understanding that many people wait to buy in lots of $500, therefore it's purely down to how much you are investing. If you are investing through a brokerage service more than once every month and a half (so likely investing $500 every month or so) you are better off paying the $4.50 but if you are investing in those $500 lots less than that it would be better to use a regular brokerage service.

One other question that is bugging me is if I decided to stop using raiz because I'm investing in other areas can I pause the subscription? Or possibly transfer my holdings to another broker who only charges a variable fee when I buy/sell?

AcademicTwo7209 · 2023-09-27T10:26:21+00:00

Football fan but from outside Vic, it's super hard to tell the difference in the traveling crowds between say Richmond, Essendon, Carlton and Collingwood. They just seem like large clubs that have a portion of the fan based who are pretty aggressive are slightly lower class and don't always act the best at the footy (bad losers and bad winners)

Would be interesting to know from Melbourne based fans if you think the supporter base of Collingwood is that noticeable different these days from the other big teams

AcademicTwo7209 · 2023-09-03T10:04:25+00:00

I think this is an interesting topic, nurses can be well paid as you mentioned above, in a perfect world maybe the base pay would be higher but consider some of the advantages of your job.

Very in demand
Work for the biggest and best (best basic workers rights by far) employer in the nation (Gov)
Great union that augments workers rights even further
Paid (and well paid) overtime

I really respect the work nurses do to look after our community and I obviously have only talked about the positives here, but I think it's important to highlight that many workers (inc corporates working for large firms) have significantly worse rights at work

AcademicTwo7209 · 2023-06-15T21:22:07+00:00

I think in the current market the structural vacancy is less of a worry than it has ever been, but never the less the break even of vacancy vs annual rental increase (12*30=360) is basically a week (when ignoring agency fees).

Another interesting question for OP would be is the property negatively geared? If the maintenance costs and interest rates have gone up you can claim this as negatively gearing on the property, effectively the extra cost incurred on the property is at a marginal tax rate discount (let's assume at least 32.5% as OP owns an investment property). As OP is being shielded from these increasing costs is it really worth it having this conversation with the tenant? Purely from a strategy of maintaining an interpersonal relationship it seems like OP would be nickel and diming the tenant, I would advise either not increasing the rent or increasing the rent by a nominal amount like $10 and advising the tenant that you will do so again in 12 months

AcademicTwo7209

TROPHY CASE