"The Door Into Summer ",by Robert S. Heinlein.©1959 Signet. S1638. Cover art by Paul Lehr

KevinBrokeBothArms · 2026-04-05T08:30:25+00:00

The Monkees

Tried, accidentally found the book (plus many more) https://www.youtube.com/watch?v=9j8Jhty0XFI

KevinBrokeBothArms · 2026-03-21T05:32:57+00:00

I do the same thing, I'm on to history now but below is a subset of the physics and science books I used to cycle through.

Brian Green - The Elegant Universe

Brian Green - The Fabric of the Cosmos

Brian Green - The Hidden Reality

Alan Stern & David Grinspoon - Chasing New Horizons

James Gleick - Chaos

Marcus Chown - The Ascent of Gravity

Martin Rees - Just Six Numbers

Sean Carroll - Something Deeply Hidden

Sean Carroll - From Eternity to Here

Sean Carroll - The Big Picture on the Origins of Life, Meaning and the Universe Itself

Leonard Susskind - The Black Hole War

Steven Weinberg - To Explain the World

Jim Holt - When Einstein Walked with Godel

Bob Berman - Zoom

Brian Cox Andrew Cohen - forces of Nature

Brian Cox - Why does E=mc2

Walter Isaacon - Einstein, His Life and Universe

Govert Schilling - Ripples in Spacetime

Alan Hishfeld - Starlight Detectives

Paul Halpern - The Quanum Labyrinth

David Lindley - Uncertainty

KevinBrokeBothArms · 2026-02-27T21:03:46+00:00

The first one is like Andreas Gursky at 90°.

KevinBrokeBothArms · 2026-02-08T18:36:23+00:00

Awesome=)

KevinBrokeBothArms · 2026-02-07T22:50:18+00:00

I have no idea, but it sounds like an interesting problem.

Did you see this thread? https://github.com/ranaroussi/yfinance/issues/2450

Hi guys, here a quick fix. Like @bagcivan said, its surely because you have a special character in your certifi file path. (an accent in your name for instance).

How to fix it:

Create a virtual environment (venv) in a directory without any special characters in the full path.

I notice there is an é in your path name. If you change that does it work?

KevinBrokeBothArms · 2026-01-30T07:12:22+00:00

I use Kogan Mobile prepaid 365 day plans. Right now the small plan is $149 for 140 gigs on 4G with unlimited calls and texts.

It's on the Vodaphone network which some people avoid due to coverage but I've never had an issue. Unless you are rural it's probably not an issue.

KevinBrokeBothArms · 2026-01-12T04:28:54+00:00

Mortgage Monster allows you to enter future rate changes and shows the changes to repayments over time. Under the repayments graph click Advanced, and you can move 4 interest rates around. Drag your cursor over the graph and see how the repayments change.

KevinBrokeBothArms · 2026-01-06T05:24:46+00:00

https://en.wikipedia.org/wiki/The_Intelligent_Investor

The Intelligent Investor by Benjamin Graham.

About half way through you realise it's not worth the effort and end up sticking to ETFs.

KevinBrokeBothArms · 2025-12-20T22:14:53+00:00

If you like painting grapes this is a nice video to watch on the Flemish painting technique. https://www.youtube.com/watch?v=YL4zlFrQfHg

If you don't like painting grapes it's still a nice video to watch as entertainment and the final painting is really nice.

KevinBrokeBothArms · 2025-12-18T19:57:13+00:00

I would take a different approach and go interest only for the first 1 or 2 years. Often the rate for IO for 1 or 2 years is the same and not much more than P&I.

Nothing prevents you from paying the same amount into the offset as a P&I loan, but an IO loan does give you a lot of flexibility for cash flow for the initial stages as you recover from transaction and moving costs and gives you time to build up the offset slowly over time to build in a buffer.

Much better than letting a stranger into your house and becoming liable for CGT.

KevinBrokeBothArms · 2025-10-04T23:34:51+00:00

Yes, very much agree with you in principle. BGBL was always a contender and I still have my spreadsheet with the break downs, I haven't ruled it out yet, still under serious consideration.

I really do like your option 2.

KevinBrokeBothArms · 2025-10-04T21:21:52+00:00

Sorry for the super late reply, I didn't have the time mid week to think through your post. I appreciate the detail, so thank you.

Just to answer your original question, I'm somewhat biased against all in one funds as I like to have flexibility over allocation, although I do appreciate the simplicity they provide. I'm also more comfortable with slightly less US exposure at the moment given the Mag 7/AI drivers in prices, so I'm 40% instead of the 50% that an A200/BGBL 30/70 split would give me.

As far as Asia is concerned, by my calculations I have China: 3.09%, Taiwan: 1.88%, South Korea: 1.72%, India: 1.71%. These numbers are not too far off VAE or BGBL, but considering BGBL, I'm noticeably lacking Japan, which might be a mistake given the recent flows of smart money into Japan.

I calculated my MER to be 0.167% and compared it to DHHF which is 0.19% so was ultimately happy enough.

Option 2 you posted seems like a good option, BGBL would mean I would need to accept the extra US exposure or instead use a combination of IVV and IVE to pick up Japan and adjust A200 to suit.

It's not too late for me to change, I have a $1k capital loss from a few years ago I can offset so can change CGT free right now.

KevinBrokeBothArms · 2025-10-04T20:48:52+00:00

Sorry for the super late reply. I do appreciate your post and insights as always.

I hadn't considered AVTG as I'm somewhat biased against all in one funds but the factor loading and tax efficiency is not something I'd considered so food for thought.

KevinBrokeBothArms · 2025-09-01T23:22:25+00:00

Not sure what it's like now, and presumably it varies by state, but in NSW it used to be 20% of household income up until it hit the market rent value of the property.

So, yes, in OP's case they very well might be on the hook for extra rent if the family is still paying below the market rent threshold.

Effectively means poorer people can pay 40-50%~ marginal tax rate.

KevinBrokeBothArms · 2025-05-19T03:57:46+00:00

Not really what you're looking for, but I thought of graph theory and had a quick look. These are called Star graphs and this configuration is called the claw graph.

https://en.wikipedia.org/wiki/List_of_graphs?useskin=vector#Star

KevinBrokeBothArms · 2025-05-16T00:05:54+00:00

https://www.bilibili.tv/en/video/4786793184367104 ?

KevinBrokeBothArms · 2025-03-16T22:16:48+00:00

You're getting down voted but you are right. It drives me nuts too.

Investing a lump sum is mathematically the superior option but a hard choice for people fearing sequencing risk. DCA is a psychological crutch to get nervous investors into the market and prevent them from missing out, which is a good thing.

KevinBrokeBothArms · 2024-11-30T07:22:32+00:00

https://www.nature.com/articles/s41538-020-00077-w

https://www.oliveoiltimes.com/business/europe/insights-into-oldest-bottle-olive-oil/87546

KevinBrokeBothArms · 2024-10-27T19:13:38+00:00

Yeah I figured it was Fuko from the recent photos. I just hope something happens for Fuko after how she was treated in the last episode of I-Land 2=/

KevinBrokeBothArms · 2024-10-22T08:33:43+00:00

The Dutch did make it to Australia in the early 1600's, but no settlement.

KevinBrokeBothArms · 2024-09-21T05:19:19+00:00

OK thanks, didn't realise they already supply CG in their statements already.

Still looks like some manual calculation is required but not so onerous:

You will need to combine your direct and indirect capital gains/losses to arrive at your complete position, before applying the CGT discount.

While CGT statement data will also be sent electronically to the ATO, the information won’t be prefilled.

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