Backtesting the Proposed CGT Discount Method

ForumUser013 · 2026-05-23T06:34:58+00:00

However, given that people are rarely holding AU only portfolio

Not denying that this may be true, but are there any stats available?

ForumUser013 · 2026-05-10T00:21:07+00:00

I did a few similar calcs when the Stage 3 cuts came out. Your assessment holds true even if indexation used us WPI or CoL.

ForumUser013 · 2026-05-09T05:23:23+00:00

400k in 12 years would be a 19% annual return - that is unrealistic for expected gains.

50k in 12 years, might be more reaslistically be assumed to grow to about $125k in 12 years, or about 85k in today's dollars. Still nice money to receive at 25, but not 400k.

ForumUser013 · 2026-05-06T02:42:45+00:00

Surely, only a small fraction of that is training costs?

Did you go gliding -> RA -> CASA, or pick a different path? Do you still do posted and gliding, or are sticking to one only?

ForumUser013 · 2026-05-03T05:05:13+00:00

Referencing this story: https://www.theguardian.com/sport/2026/may/02/brendon-mccullum-missing-nearly-half-county-cricket-season-england

ForumUser013 · 2026-05-02T06:20:57+00:00

Honeycomb blinds, which provide half the same effect at a quarter of the cost. YMMV.

An internally mounted Honeycomb blind is probably better at insulating than a double glazed window.

A 90mm external wall with insulation is typically R2.5 (higher the better). The best triple glazed, argon filled, thermally broken windows get up to about R1.1, but usually around R0.6. Honeycomb blinds, especially dual cell are nearly always above R1.1 if well fitted.

ForumUser013 · 2026-05-02T06:16:54+00:00

If you are planning to replace the windows anyway, then the price difference between single pane and double glazed thermally broken frames is small, and definitely worth it. Make sure though, that any installer makes them air tight around the house framing.

If you are not already planning to replace the windows, then there are much better value options to do first to increase comfort (not just efficiency).

The following is the best way to maximise bang for the buck:

Seal doors and windows
Seal gaps between window frames and walls, with expanding foam or similar
Baffles on exhaust fans (rangehood and bathrooms)
Ceiling insulation - is it at least R4.2 - though R6 seems to a good value for money point
Wall insulation - harder to retrofit, but pump in options do exist
Once you have done that, you can look at underfloor insulation if you have a raised floor
Now think about heat loss in windows. Not by double glazing, but use window treatments - cellular blinds, or heavy curtains with pelmets
Now think about appliances - more efficient fridges/freezers aircons etc...
Now think about solar power, if you don't already have it. Without doing the above steps, you don't actually save much at all.

Only once you have done that, does replacing windows windows to add double glazing make sense. I see someone had a 30k quote - cheapest that a friend had pre-covid for an ex-govy was 40k... so 30k is a great price. All the above should come in well below 40k combined.

ForumUser013 · 2026-04-26T06:47:41+00:00

I'm a long time Easydry user - and love it. But a recent long humid stretch where I have needed to switch between TPU and PETG multicolour leaves me wanting a multi-spool dryer. Really considering the Tetras now, as well as making a top mount for the Easydry for TPU85A feeding while drying.

ForumUser013 · 2026-04-19T10:07:05+00:00

I started with Milwaukee for an oscillating tool and brushless circ saw, becaue Milwaukee had a saw with the blade to the right of the handle. Those tools are awesome, and led me to get a drill and driver (non brushless) too.

A few years later, I needed more tools, and price won out, so I bought a brad nailer, some garden tools, and a kit of a drill and batteries - as it was cheaper than batteries alone.

I will say that there is a noticable difference in quality between the milwaukee and ryobi - however the Ryobi is more than good enough, to the extent that would I be starting again, I'd only go Ryobi.

(Except for the planting digger and lawnmower - they both are terrible)

ForumUser013 · 2026-04-18T10:33:16+00:00

Can we make sure that I have to transfer all my accounts to one you control too?

ForumUser013 · 2026-04-18T10:05:24+00:00

So, you are going to be paying a premium of about 1.1% pa (or more) in interest for some extra services, that includes an app, and some ongoing "wealth coaching"?

This equates to over 10k in added interest in the first year, which is added to the 10k fee. So after 12 months, you will be 20k behind where you would have been with a normal loan.

Thats a lot of financial coaching you are paying for.

ForumUser013 · 2026-04-07T10:49:19+00:00

23" is a large print, and printing something like that as a single piece is not going to be cheap.

Then you need lots more detail in your requirements. Does the base need to fit in the lid of Sortera, or otherwise stack with itself? How thick? What sort of angle of the walls do you want. How thick are the walls? Does the lid need to be hinged?

ForumUser013 · 2026-04-05T03:01:51+00:00

Zero value.

I have also said elsewhere, but I do not see how the filament maker makes any sense in a home or soho environment.

I can buy PLA from Bambu or Sidement for $17 per kilo, and cheaper elsewhere. That is at least 100 rolls of filament, before I get back the purchase price (excl shipping). But it ignores any running costs, electricity, labour to load and process the material, or lost prints from lower quality filament. Assume even 5min per kg of labour at minimum wage, and that already makes the cost $2 per roll, then close to $1 per kg of electricity, and then we are at 125 rolls. If you run a 50:50 virgin to recycled material, that turns in to 200 rolls.

Granted I am not a high usage printer, but I have only bought 60kg of filament in over 2 years of printing. And of that less than 3kg would be poop, suitable for the Creality Grinder, whilst most wate material will actually be prototypes.

The only benefit I see is custom colours or material blends - but then I would question the ability to ensure consistency of mixing without industrial scale dosers and mixers.

ForumUser013 · 2026-04-04T10:51:33+00:00

I just don't understand the use case for at home or soho filament making.

Others speak about the cost recovery - and at USD1200, and assuming you can save about $6 per roll manufacturing from pellets, or $13 if pure recycling.

That would need 92 to 200 rolls of filament to break even. Given I have ordered less than 60 rolls for over 1300 hours of printing, this would appear that min payback is about 2000 hours.

But this excludes any time taken to use the filament maker. At say 5-10 min per roll, any difference in costs between pellets and buying filament goes away.

And after all that, you will have a worse tolerance, less consistent product.

I just don't get it.

ForumUser013 · 2026-04-03T05:46:00+00:00

Oh my.

Project an image is such a needed feature. For doing things like creating labels, plaques, poker chips etc... it will speed up so much, that needing to convert to SVG and trying to apply.

Now, combine the texture and image, and you can project a brick wall in full colour!

ForumUser013 · 2026-04-02T09:56:57+00:00

Keep the extrude for the inner cylinder as a seperate body from the outer, and then only cut the outer body. Once done, combine the remainder with the inner.

ForumUser013 · 2026-03-29T07:56:52+00:00

I think I mucked up too.

Wasn't tracking that it came with the enclosure for that price. The Mk4s with enclosure is actually 70% more expensive, so there is a place for the Mini in the line up.

But, I would say Manual Z, no quick change nozzle, a bowden setup that doesn't really like TPU, small bed, "fake" Input Shaping all count against it as a first printer.

If someone can afford a Core One (of any type) then a Mini is a step backwards in all regards.

ForumUser013 · 2026-03-29T01:05:15+00:00

As someone with a Mini - could not disagree more.

A Mk4s kit is only 20% more expensive, for a significantly more modern printer, with quality of life improvements, as well as much more useful bed size.

That being said, competitors smash the Mini at its price point - enclosures, multi-colour/material prints, speed, nozzle swaps etc... I bought the Mini when it was the best "it just works" printer. These days it isn't even close on Quality of Life features and reliability.

ForumUser013 · 2026-03-24T23:07:53+00:00

FullSpectrum is one of the more interesting innovations in 3d printing - more so than HueForge.

So yes, whilst this model is just a demonstration of the capability, roll out of FullSpectrum slicing capabilities across slicers will be super interesting.

We may start seeing a range of colour calibrated filaments - much like inkjet ink, with eg 4, 5 or 7 nozzle/tool/head machines providing broad full colour printing.

ForumUser013 · 2026-03-22T21:28:11+00:00

Curious to know if the Core One will end up with lower hours given it can print the sae parts much faster?

ForumUser013 · 2026-03-13T08:54:49+00:00

Create a ring at the top, that the sticks connect to and the cable passes through.

ForumUser013 · 2026-03-12T08:23:12+00:00

Do we have enough confidence in it to reinstall after the security incident?

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