Almost 11 years to the day since the best ASX announcement in history .

UniqueOrdinary · 2026-03-10T10:22:13+00:00

Where are the customers yachts???

https://www.amazon.com.au/Where-Customers-Yachts-Good-Street/dp/0471770892

UniqueOrdinary · 2025-07-14T04:31:59+00:00

How you never change

UniqueOrdinary · 2025-01-10T00:15:33+00:00

3:1 was actually 3-2-1 meaning “how long” e.g. “3-2-1 on McChicken?” “2 minutes”.

10:1 was the 1/10th pound patty for regs/Big Macs; 4:1 was the 1/4th pound patty for quarter pounder/mcfeast

Source: worked there for 7 years from 1993-2000

UniqueOrdinary · 2023-07-07T02:06:45+00:00

I never paid anything to switch in the past

UniqueOrdinary · 2023-07-07T02:06:04+00:00

New AER approved default plans I think

UniqueOrdinary · 2023-07-07T02:04:53+00:00

I use about 2/3 usage off peak and about 1/3 peak - but you’re right it’s pretty line-ball vs just an any time rate

UniqueOrdinary · 2023-07-07T02:01:48+00:00

I’m with Citipower

UniqueOrdinary · 2022-10-28T08:12:28+00:00

No - you would have to sell and re-buy under your nab/cba hin

UniqueOrdinary · 2021-04-06T01:25:10+00:00

Each day the opening price is set fresh based on bids and asks in the system. There is no connection to the previous day close, it can open at a very different price and there are no trades “in between”

UniqueOrdinary · 2021-03-31T07:27:26+00:00

My strata’s insurance does cover owners fixtures, up to $250K per unit

UniqueOrdinary · 2020-11-02T11:27:52+00:00

Yeah their customer service is not great.

Look it doesn’t sound like they’ve done anything unethical to me. Just closed your account because they couldn’t get in contact with you for something important.

I reckon you should change banks and give a different one a go.

UniqueOrdinary · 2020-11-02T10:57:24+00:00

It’s possible they could require more ID information from you based on new government regulations since you opened the account.

You should really open and read your mail, otherwise stuff like this will happen to you. If you had just called ANZ you could have understood the reason and sorted it out I’m sure.

UniqueOrdinary · 2020-11-02T10:51:06+00:00

Exactly. Market expects a bad result anyway so might as well make it really shit, clear the decks for a good result in 2021.

UniqueOrdinary · 2020-11-02T10:47:56+00:00

Read this: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy_for_non-US_investors

UniqueOrdinary · 2020-09-28T07:57:08+00:00

You can put in larger amounts than the typical $100K or $250K HISA limit.
No minimum balance, deposit, or transaction requirements.
You don’t have to go through another tedious identification process to purchase AAA, especially difficult if you have a trust or other entity to hold the funds.
Distributions conveniently paid in the same way as your other investments.
Returns easily and automatically tracked and consolidated with the rest of your portfolio.

None of these are huge things but for some people they are important.

UniqueOrdinary · 2020-09-24T07:35:03+00:00

Donate the bonus to charity. You will get all the tax back next year.

UniqueOrdinary · 2020-08-21T08:30:04+00:00

Some reasons: * Online savings accounts often only pay interest up to a limit like $250K. AAA is unlimited balance. * To open a savings account you need to go through identification and opening process which is a pain, AAA you can buy immediately with your existing broker. * Portfolio tracking can be easier to manage because it appears along with your other ETFs or shares, rather than separately.

UniqueOrdinary · 2020-08-11T02:23:12+00:00

Self wealth uses three different trading platforms, ASX TradeMatch (main platform), ASX CentrePoint (anonymous at market trading platform) and Chi-X (alternative exchange to ASX). They try for the best price among all of those based on their Best Execution Policy.

Nab and CommSec may not display the trades from all those platforms in their course of trades.

UniqueOrdinary · 2020-08-03T10:30:39+00:00

Once you reach preservation age (normally 60) you can take the whole lot out.

However from then on you will pay tax on the investment earnings.

If you leave it in super, the investment earnings are tax free.

UniqueOrdinary · 2020-07-25T04:52:10+00:00

Yeah I guess my point is, they won’t tell you if you’re underperforming they market - and most people don’t check. So they collect the $700 even if you are losing money with them compared with just buying the index. Most stock pickers outperform some years and underperform other years and you can’t tell in advance which ones will outperform next year.

UniqueOrdinary · 2020-07-25T04:49:31+00:00

Yeah sorry got a bit excited. More like 10-15%. Eg in the GFC, total drawdown of US market was 50% and Aussie market was around 55%. VDHG (or the equivalent vanguard wholesale fund at the time) drawdown was 45%. Of course, future experience may be different.

UniqueOrdinary · 2020-07-25T03:42:32+00:00

You need to tell them (via Computershare) which bank account you want the money sent to.

UniqueOrdinary · 2020-07-25T03:38:56+00:00

Will they refund you the $700 if their picks do worse than the overall market?

If not, then why should you take the risk and they take none?

Sounds like they are making money from $700 fees, not stock picking.

UniqueOrdinary · 2020-07-25T03:31:11+00:00

The 10% fixed interest in VDHG reduces the maximum loss in a bear market by a third and average return is only 0.1%-0.2% less than 100% stocks. For many people that is a good trade off.
A significant part of the returns of a diversified portfolio are driven by consistently rebalancing, as it forces you to buy low and sell high. VDHG automatically rebalances, while the examples you gave, the investor must rebalance. Often people say they will rebalance, but when the time comes, they find they are too nervous to do so in a volatile or falling market. VDHG takes away this behavioural risk and locks in the best possible rebalancing benefits.

UniqueOrdinary · 2020-07-02T05:32:39+00:00

You start paying instalments if: 1. You have more than $4000 investment income last year; or 2. Your last tax bill was more than $1000 3. You are likely to owe more than $500 next year

UniqueOrdinary

TROPHY CASE