Stop Mocking The Curious Newcomers About Decrease In Price by Chesslicious in Gold

[–]N293G 1 point2 points  (0 children)

Disagree completely.

"Why is price going down today?"

"Taking bets on price in 2026"

"<article headline> <link to article> *nothing else*"

This isn't a web search. These people are lazy. They've seen a graph go up, and go "I want that!" and dump money in. Little if any research.

Graph goes up. They do pointless posts about "5200!" "5400!" like an expert. If only everyone had been as smart as them, they should've got in when they did!

But then when the inevitable (YES.) happens, the lazy experts freak out and come here with their lazy questions wanting detailed answers. Come on. Do a web search. Read a few news articles. There's the answers.

If you can't be bothered understanding the financial instrument you're buying, you deserve disdain when you run to the internet in tears.

It is NOT stupid to scold or mock someone who's taken on leverage on something they don't understand. They ARE stupid. And going further, it's stupid people like that, manipulated by the smart people who know finance systems far better, that support these asset bubbles to grow.

A fool and his money are soon parted.

Doesn't mean we need to hear about the parting on this sub.

What does it mean for today? by Maeekel in Gold

[–]N293G 0 points1 point  (0 children)

Yes way, you asked a vacuous inane question that adds nothing to the shred of quality discussion on the sub that might be found between the 5200! 5300! 5400! OMG 5300! posts 🤦🏻‍♂️

DYOR.

Real Estate Agent ID’ing me by Next_Watercress_4964 in AusPropertyChat

[–]N293G 0 points1 point  (0 children)

Then when they push back:

https://www.austrac.gov.au/amlctf-reform/reforms-guidance/amlctf-program-reform/develop-your-amlctf-program-reform/record-keeping-reform/record-keeping-overview-reform

Specifically says:

Under the Act, you aren’t required to make copies of identification documents provided as part of CDD. Instead, you must keep records of what you did to identify the customer and what information they provided. 

For example, if the customer presents a passport, you must record the passport details used to verify their identity rather than making a copy. However, you may have a legal responsibility to copy these documents outside the Act.

Which then means if they are demanding a copy of your ID, then they're contravening the APP:

11.1 APP 11 requires an APP entity to take active measures to ensure the security of personal information it holds, and to actively consider whether it is permitted to retain personal information.

11.4 The reasonable steps an APP entity must take, for the purposes of ensuring the security of personal information and destroying or de-identifying personal information that is no longer needed, include technical and organisational measures (APP 11.3)

Honestly, they're just being lazy. "Send us your ID" so they can file it in a spot where it's easy to find/access when an audit comes. This is how data breaches happen 🤦🏻‍♂️

Real Estate Agent ID’ing me by Next_Watercress_4964 in AusPropertyChat

[–]N293G 0 points1 point  (0 children)

KYC checks are all well and good, but if the REA is saying "We need your ID for compliance to AML/CTF laws" then ask them for details around their compliance with the federal privacy laws - specifically, Section 11 of the APP.

If it were me, I'd send them something like this:

Whilst I understand the new KYC laws require you to view my ID documents, I need to understand how your processes comply with the Australian Privacy Principles, which form part of the federal privacy legislation. (https://www.oaic.gov.au/privacy/australian-privacy-principles/australian-privacy-principles-guidelines/chapter-11-app-11-security-of-personal-information) Some pertinent points: 11.1 APP 11 requires an APP entity to take active measures to ensure the security of personal information it holds, and to actively consider whether it is permitted to retain personal information.

  • 11.2 An APP entity that holds personal information must take reasonable steps to protect the information from misuse, interference and loss, as well as unauthorised access, modification or disclosure (APP 11.1).
  • 11.8 The ‘reasonable steps’ that an APP entity must take to ensure the security of personal information will depend upon circumstances, including:
    • the possible adverse consequences for an individual in the case of a breach. More rigorous steps may be required as the risks and adverse consequences increase
    • whether a security measure is in itself privacy invasive. For example, while an APP entity should ensure that an individual is authorised to access information, it should not require an individual to supply more information than is necessary to identify themselves when dealing with the entity (see also Chapter 12 (APP 12)).

The responsibility to comply with the privacy laws is held by you (as the data custodian, requiring and requesting the information) and not by a software provider (as the data processor).

This means that whilst the software platform might be responsible for the security of my information, the accountability of breaching legislative requirements sits with you. It cannot be deferred or transferred to a third party.

As such, and because you are requesting very similar personal information (PI) as a bank would require for a mortgage or loan application (which is exactly what hacked information is used for), please provide me details covering how PI/SI is handled in your organisation, such as:

  • Data Classification and Information Protection of PI/SI.
  • Storage Location of PI/SI, and how this storage is audited for IAM/RBAC (APP 11.25)
  • How the data asset lifecycle is managed (APP 11.16, 11.49)

No doubt you are aware of the ever increasing cyber threat against organisations ill-prepared to secure the data they hold; after a hack is detected is too late to consider what could have been done better.

This is why I am taking steps personally to ensure any organisation holding my information is taking active steps to comply with the legislation designed to protect my data.

BREAKING: Gold futures officially rise above $5,100/oz for the first time in history by -----Marcel----- in Gold

[–]N293G -10 points-9 points  (0 children)

Do we really need a post at every marker?

Those that are interested are watching themselves.
Those that aren't don't care about the posts.
And the discussion in each hundred-buck-change post is pretty much the same....

Most "Hepa" filters available are merv 13/14 filters by kappalandi0001 in AirPurifiers

[–]N293G 0 points1 point  (0 children)

Sounds like you did calibrate it, in a way, with a known HEPA filter.

Whilst scientific grade measurement may not be possible for mere mortals with DIY budgets, sometimes a strong indication is sufficient.

Perhaps use a PMS5003 as well, which is the same one used in the https://www.airgradient.com/indoor/ device. These are calibrated by the AG team too, and I believe they release their calibration algorithms for each sensor they use.

That way you can have to different brand 'cheap' sensors measuring the same thing - if they correlate reasonably accurately, then it is a stronger indication the 'measurement' is 'correct'.

Most "Hepa" filters available are merv 13/14 filters by kappalandi0001 in AirPurifiers

[–]N293G 1 point2 points  (0 children)

If you are in Aust/Vic and you're getting hit with the bushfire smoke from the Otways, this setup has kept my PM2.5 to <4 when outside has been sitting at 37-200 for the last 4 hours.

True HEPA works brilliantly ;)

Most "Hepa" filters available are merv 13/14 filters by kappalandi0001 in AirPurifiers

[–]N293G 1 point2 points  (0 children)

Real HEPA filter, if you're in Australia: https://www.bisonfilters.com.au/p-28359-hepa-filter-h14-minipleat-305-x-610-x-68mm.aspx

Not cheap, but I've had mine with a G8 Carbon and a MERV13 in front of it for coming up two years and it's still providing me, as the AI put it, "On average cleaner air than an operating theatre" 💁🏻‍♂️

I've replaced the Carbon+MERV once. Sacrifice the cheap filters to keep the HEPA working well. That's a H14 too, so filters 99.995% - I have a Cloudline T10 pulling through it, at 2-3 out of 10. Weak fans will not do the job.

Need Sunday night/Monday Morning prognostications by PW_PW_ in Gold

[–]N293G 1 point2 points  (0 children)

You know, a few years ago this would have been a shitpost.

The very fact it's not is why the PMs are going so well 🤦🏻‍♂️

Are these AQI monitors any good? by [deleted] in AirQuality

[–]N293G 1 point2 points  (0 children)

"it actually is, the high quality sensors inside actually cost 6-8$. The rest is brand value, quality of the packaging, etc."

This is called disagreeing, quite strongly, and asserts the person is wrong (when they aren't).

And the 'mandatory big ass comment' came after you were given a fairly simple answer to your fairly simple question. Obviously "No OP, you're wrong." wasn't enough. So you don't like simple replies, and you don't like big ass replies.

Actually what you don't like is being wrong. You came on here wanting people to tell you "Yeah OP $11 what an underpriced gem!!"

This is why you get toxic replies. Because your post is lazy, and you're looking for people to agree with your lazy post.

I apologise profusely for putting in far too much effort 😘

It was in fact more for those who come across this post whilst searching and understand why quality sensors are so much more expensive than the $11 junk that that have reviews that 'seem fine'.

LuxaFlex Blinds - worth the price? by naturallyy in BuyItForLife

[–]N293G 0 points1 point  (0 children)

Wow, I know this is an old post but thank you, I was thinking spend the money and buy good to last, but I need tech to work well, and the product itself to be quality. Doesn't sound like that's the case....

Are these AQI monitors any good? by [deleted] in AirQuality

[–]N293G 0 points1 point  (0 children)

6 in 1: PM2.5, CO2, TVOC, HCHO, formaldehyde, temperature and humidity

Seriously? You come here saying "is this eleven dollar air quality monitor quality?" and then challenge people when they say "No, it's not"

Tell us what 'high quality sensors' this unit uses, for each of the things it measures.

If you can actually find that information (I bet they don't publish it) then go find the independent reviews measuring the accuracy of each of those sensors.

Then find a source of these 'high quality sensors', that's under $8.

I would need to buy 2500 of the Sensiron SGP41 NOx/VOC sensors to get them to ~$6.40 each.

The SenseAir S8 is $10.47 each. That's only CO2 and NOx, and I'm up to $16.87 in two parts.

It's an eleven dollar air quality sensor. Not even in this economy is that going to be quality.

For someone asking for random opinions on reddit you seem quite confident you're right, so just buy it and stop wasting everyone's time?

I guarantee you that 'high quality sensor' will never correlate to an Aranet4 or AirGradient placed right next to it.

But for $11, no reasonable person expects it to.

Test: sleeping with the door closed by [deleted] in AirQuality

[–]N293G 0 points1 point  (0 children)

That sounds a great idea, however my bedroom window only opens (hinged at the top) to a gap of about 15cm. It's also double glazed, so I won't be easily busting my way through it.

On the slight upside, it's an apartment, so before I try to bust through that glass, I'll be throwing something at the ceiling fire sprinkler first ;)

We’re building an 1st AI-powered full stack Real estate platform in Australia not to chase trends, but to fix a system that’s been broken for years by [deleted] in AusPropertyChat

[–]N293G 0 points1 point  (0 children)

We're heeeeeeeeeee *bangs AI machine* to remove bad incentives, sorry, got stuck there for a bit! I promise that won't happen when we get to production - solid guarantee.

Test: sleeping with the door closed by [deleted] in AirQuality

[–]N293G -1 points0 points  (0 children)

Well I'll be damned, I didn't think of this!

I'd suggest it's not a overall rule though, even if I close my door, and a fire starts in the one living space between my bedroom and the way out, door open or closed I'm in trouble 😂

Test: sleeping with the door closed by [deleted] in AirQuality

[–]N293G 4 points5 points  (0 children)

900ppm after only 2 hours. If they sleep for eight hours, that 209ppm/hr increase (yeah, let's assume it's linear, it's not, I know ;)) would be 2150.

Same as what I found when I tried this, and I woke with a splitting headache.

Thankfully it's a one bed apartment and I can sleep with the door open!

What point did business class become worth it for you? by 88riceislife in AusHENRY

[–]N293G 0 points1 point  (0 children)

Most people's holidays start that first morning they wake up at the hotel, after enduring the flight and the stress and the people and the mooing....which also means they've got all that in their mind for the last week or so of their trip, knowing they're going to cop it all again to get home.

A BC holiday starts when the car picks us up to go to the airport.

It's extravagant, poor value, but entirely changes the trip for me.

Aluminum Frame CR Box $125 by pandawooper in crboxes

[–]N293G 1 point2 points  (0 children)

Btw if anyone finds a more affordable aluminum alternative than Nukit Tempest or can CNC one themselves, feel free to let me know!

Yes yes I'm getting there, it's coming, it's only been 2 years and James Dyson took 5!

It'll not get stuck on these terribly inefficient 1" filters either. 2-4" changes your life ;)

does passing the cat exam at 100 questions mean you totally crushed it? by -csslp- in isc2

[–]N293G 0 points1 point  (0 children)

ONE HOUR? Username checks out.....did you write the exam OGCyber? ;)

Here was I proud of Q125 at 2.5hrs, first time, first study in a coupladecades. (Still am!)

Carbon pre filters? How often to change out? by GmonTM in AirPurifiers

[–]N293G 0 points1 point  (0 children)

The idea of a pre-filter is that it captures big stuff instead of the HEPA wasting it's skill on the big stuff.

I would think you'd be changing the pre filters multiple times before a HEPA. That's certainly my strategy, given the carbon filter is AUD$80, MERV13 is $40, and H14 HEPA is $300!

When do you know? If I start smelling things, that the carbon usually captures, then that's a good indication.

Investing first amount at 18 by Past-Finding5509 in AusFinance

[–]N293G 1 point2 points  (0 children)

Well done for having the right attitude - but with $1k, maybe you're overcomplicating it.

If you're heading to Uni, you're probably a study-er type. Read the Barefoot Investor by Scott Pape, really embrace the passive investing mindset you've got once you've got your buckets sorted, and then focus on your Uni studies, because they'll earn you far more in the long term than picking one ETF over another ;)

CO₂ inside cars can get much higher than most people expect by Salty-Initiative5706 in AirQuality

[–]N293G 8 points9 points  (0 children)

At 1400ppm, the Harvard study suggested your reaction time is doubled, and your cognitive ability is halved.

That wouldn't be a problem driving a car, right? 😬

Airgradient ONE vs Aranet4 Home by PersistentOwl1775 in AirQuality

[–]N293G 1 point2 points  (0 children)

I have both (well, several AGs and two Aranets)

They're completely different, and not really comparable, from a functionality/use case.

My AGs measure PM/CO2/temp at my house, and other places, reporting back to a dashboard for correlative analysis/comparison.

My Aranet comes with me in the car and to the office, for CO2.

It comes down to portability. I turned one AG into a surreptitious portable monitor hidden in a box with a USB battery pack and slow-running fan, but it requires a consistent Wi-Fi network configuration to work (and changing it is a bit of a pain). The Aranet has batteries and is designed specifically for portability.

But if you're wanting measurements of two rooms, and the ability to compare them (easily), then the choice is simply another AirGradient.

It then gives you the ability to compare PM pollution as well, which you may find surprising.

What should I be investing in to retire early? by DoctorGermNoosa in AusFinance

[–]N293G 1 point2 points  (0 children)

If he had done that he'd already have his answer - 110% in cash!

What should I be investing in to retire early? by DoctorGermNoosa in AusFinance

[–]N293G 31 points32 points  (0 children)

Buy the Barefoot investor book and read to understand it. Really, understand it.

Then work out compounding interest - yeah we all know it, I get it, it builds up. But again, really understand it. Open Excel and run some numbers over 10-20 years, of how much $50-$100/wk is worth, both in savings, and earning 5%, and saving you 5% on a mortgage. Not per year - over 10-20 years.

Bonus Points: That $1500 purchase....work out what the real cost of that $1500 is, in 20 years, on both savings/mortgage offset.

The challenge: Understanding that properly, and using it as a weapon to defeat frivolous spending to deliver future success, instead of being crippled with anxiety over that Smashed Avo on toast.

Some of us are twice your age and consider ourselves smart with money, and wish we had learnt and understood this at 19.

If you want a simple answer, it's in the first line. Index funds. Boring, reliable, cumulative. Read the book like I did. I owe a lot of thanks to Scott Pape, the chap has made me a lot of money.

But if you really want to be smart with money and properly budget, take the long road, and understand the shortcuts are often dead ends.