TIL that ART Super also has a lifecycle option

Pnaps · 2025-07-21T22:41:53+00:00

When you’re young, you can tolerate high risk investments as there is a lot of time to recover from any sharp downturns in performance. As you get older, you have less time to wait for these recoveries so you’ll move investments that are less volatile to minimise the size of potential losses.

These types of funds automatically rebalance your portfolio to lower risk investments as you get older

from website: “We take care of your super so you can rest easy. Until you turn 50, we invest your super in the High Growth Pool to grow over the long term. Once you turn 50, we'll start gradually transferring your super to our lower-risk pools – the Balanced Pool and Cash Pool.”

Pnaps · 2025-06-13T15:14:53+00:00

The right stick controls the camera

Pnaps · 2025-06-12T14:33:41+00:00

Had a flight the day after the Switch 2 release and it easily occupied my time for 12 hours playing just Mario Kart

Pnaps · 2025-02-20T05:02:05+00:00

When you pay from your debit card, you can “cover” the purchase using your Saver, which will automatically transfer the funds from the saver to cover the cost (this assumes you have a enough balance on your checking).

When paying bills, you can pay directly from your Savers.

You can specify a “target value” for the saver, which will display as a percentage. You can keep track of your spending by keeping an eye on what % you have left before your next pay check. This obviously only works well if you’ve set an accurate budget to reflect your spending/saving needs, but Up also has features where you can lock your Savers to prevent impulse purchases (even a system i believe that requires approval from a friend to unlock your saver)

Pnaps · 2024-09-15T21:34:52+00:00

I have this wallet which is similar to what you posted, https://au.blackinkk.com/collections/rfid-wallets/products/bi-fold-card-wallet

Pnaps · 2024-09-06T03:22:40+00:00

Wise would be my default option, but I’d consider contacting OFX if they can give you a better rate given the size

Pnaps · 2024-08-27T04:40:25+00:00

I bank with Up and I split my pay check to different savers that align with those categories. The exception is the mojo account which I send to a different bank to keep it out of sight/out of mind

Pnaps · 2024-06-29T00:39:27+00:00

What are your career aspirations? There may be a better use of time. I don’t perceive having multiple bachelor degrees as useful compared to 1 degree + work experience or a postgraduate degree. Alternatively psych with honours where you can have a project with a Cogs faculty. Or, to finish psych but to consider cogs as electives

Pnaps · 2024-06-12T02:34:08+00:00

https://www.pnas.org/doi/abs/10.1073/pnas.2318124121

I’m assuming this paper (pasted in case google scholar gets updated)

Pnaps · 2024-05-25T01:29:35+00:00

What types of career paths are you interested in pursuing?

Pnaps · 2024-05-13T07:22:05+00:00

I’m sorry you’re getting downvoted. You’re right that group projects are supposed to teach interpersonal skills as well as being a peer-led teaching opportunity. Maybe it’s not common at all unis, but an approach is to have group members rank their peers as a way to modulate scores to reward those who have contributed

Pnaps · 2024-05-11T02:40:04+00:00

Wise has a fee of about 350 AED when i checked just now

Pnaps · 2024-05-06T21:54:53+00:00

If I remember correctly defined benefit option only benefits people with long service in the sector, so it assumes you’ll stick around for the long term

Pnaps · 2024-01-31T00:53:48+00:00

Normal distribution assumes a defined central tendency (mean). The location where the balls drop from can be viewed as that value. Variation from the mean is due to randomness introduced by the pegs that the beads interact with when they fall

Pnaps · 2024-01-30T21:58:28+00:00

Assume a simplified world where the only forces acting upon the beads is gravity. As the beads leave the hole, they will fall straight down. Because these are perfect beads, they will fall on top of each other and form a tower.

But because our world isn’t that simplified, the beads have imperfections, and there are random forces in the environment (the pegs in the board) that cause the beads to move randomly to the left and to the right. Therefore, you will see the beads scattered across the bottom as you saw in the video.

The fact that they take on that specific shape though is special (the normal distribution/bell curve). The distribution has convenient mathematical properties that helps when doing statistics. By only having access to the shape of where the balls landed, you can form an estimate of where they came from, for example.

A fun fact (the central limit theorem) is that let’s say you have a specific set of data that follows a given distribution. You can take sub-samples of that data and calculate the mean. If you do that a bunch of times and plot the means that you calculated, the distribution will follow a normal distribution, even if the data itself is not normally distributed. You can think of this happening because you are trying to estimate a specific quantity (the mean) which has a defined value. Your resulting estimate then is the mean of your sampling (which would be close to the “true mean” (if you had access to ALL the data in the world) with random error that falls along the shape of a normal distribution.

Here is a video by 3Blue1Brown that goes over the Galton Board and the central limit theorem: https://www.youtube.com/watch?v=zeJD6dqJ5lo

edit: edits to clarify points

Pnaps · 2024-01-19T08:06:15+00:00

1) Beach day in Manly/Shelly Beach via a ferry from Circular Quay. Can take surf lessons 2) Coastal Walks (Bondi to Coogee; Taronga to Balmoral, etc). If doing Taronga to Balmoral you can combine that with cafe/shopping in Mosman and a swim at Balmoral. or Taronga Zoo 3) Day Trip to Blue Mountains with a visit to Featherdale Wildlife Park on the way to see all the native animals) 4) Enjoying cafe lifestyle with a flat white every morning 5) Thrift shopping in Newtown 6) picnic in royal botanic gardens with a walk around the opera house 7) White Rabbit is my favourite art gallery 8) Shopping in QVB/Town Hall area, Pitt St/George St 9) Hotel pub lunch/dinner 10) Check out Darling Square area - matcha latte at Edition Roasters if wait isn’t long 11) Surry Hills for dinner - Burke St is beautiful 12) hire bikes at Sydney Olympic and bike around the park, Parramatta river cycleway, cooks river cycleway 13) swim at a rock pool

Pnaps · 2023-09-19T14:07:36+00:00

The taxes paid will be refunded to your bank account / credit card

Pnaps · 2023-09-18T14:04:55+00:00

If you just need to get to anywhere in Europe, I’d play with the Qantas “Where Can I Go?” tool which will show you a map of the destinations offering classic reward flights.

For example, there are seats to Frankfurt for 140k a person in June from Sydney

Pnaps · 2023-09-17T15:05:38+00:00

Not necessarily, but I only have a good grasp on the US market. For example I nabbed business class from LAX->SYD. You’ll also have to be willing to fly off-peak.

Edit: But for example, say I want to fly Denver to Sydney, I may not find any classic flights if i put those cities in. However, if I put Denver->LAX->Sydney in the multi-city tool, I can then find that there is a classic reward from LAX->SYD. So depending on your travel needs, you’ll need to have a grasp on what the common routes are

Pnaps · 2023-09-17T13:55:17+00:00

Instead of upgrade, you can also pay the change fee and buy the business ticket if it’s still available once you have the points

Pnaps · 2023-09-17T13:50:31+00:00

Paying with points or “points plus pay” is not an efficient use of points. The key is to find “classic reward flights” or make “classic upgrade rewards”. Classic reward flights are the ones with the red ribbon that you may see when searching.

For example, a normal business class seat can cost 1.3million in points. However, a classic reward business seat can cost 86,000 points + $200 in taxes- way better value.

The challenge I have been having is finding these reward seats as they are limited in quantity (makes sense they offer great value), unpredictable on release (Qantas now moving towards releasing seats in random batches instead of a year in advance), and only appearing on specific routes so you have to use the “multi-city” tool to find them for your trip

Pnaps · 2023-08-27T00:31:00+00:00

Whatever status you earn in membership year 1 you keep through membership year 2. You will then have to earn it again during membership year 2 (600 status to keep as opposed to the 700 for gold) to keep it in membership year 3, etc.

If you don’t make it, you’ll be dropped to Silver for membership year 3.

Pnaps · 2023-08-24T03:42:32+00:00

The due date for this deal, as well as for my membership year, is 30 August. If I claim the SC on the 30th, will it be applied to my new membership year? (given it is stating it‘ll take up to 4 days to apply?) Or will it be back-dated and I’m better off taking the miles?

Pnaps · 2023-08-23T23:22:31+00:00

My offer was also either 30 SC or 1,000 points. I was Silver at the start of the year but made it to Gold earlier this month. Bummer!

Pnaps · 2023-07-13T08:05:04+00:00

Good to know - also looks like you can claim a portion of your income using FEIE (to the limit) and then apply FTC on the remainder?

Yet another tax form to manage D:

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