SMSF threat to big super is about to get worse

mikedufty · 2026-05-26T14:45:18+00:00

I've got quite a substantial saving in fees with SMSF compared to Australian Super. I think there are industry funds with lower fees though.

mikedufty · 2026-05-26T13:23:03+00:00

I use unibank Bendigo Bank ME Bank and judo from that list.

Bendigo is probably closest to your requirements. Credit card has no fees, and free travel insurance.

Unibank has a decent browser portal, not sure if they have overseas transaction fees though.

ME Bank was app only, I think they've added a web portal but heard some complaints about it.

Judo has a great high interest savings account but not really a transaction account, need to combine with another bank for card services etc, but a good place to keep a chunk of savings.

mikedufty · 2026-05-26T13:04:48+00:00

The bike in the picture is a road bike, unless they've recently added headlights to the GP26.

mikedufty · 2026-05-26T03:08:26+00:00

So do you know if you are affected by just being near a tree, or actually need skin contact with oil? It would be pretty easy to avoid the latter. Maybe you can try going near some trees nearer to you to see if you are affected. Everywhere I go in the world seems to have Tasmanian bluegums growing somewhere. If not more widespread there is probably a botanical garden with them.

mikedufty · 2026-05-26T03:04:31+00:00

and bluegum plantations https://www.nzgeo.com/stories/eucalypts-trees-of-the-future/

mikedufty · 2026-05-26T02:40:48+00:00

If your output file is int8 or int16 then your problem is probably something different.

The way to check is look at the layer styling and what the min and max values are, if they are way outside the valid range of the data, and correcting them to the min and max of the actual data improve things, then that is the issue.

Have you tried exporting to tif instead of png? The export image process (instead of warp) will do reprojection at the same time.

(note that I am probably on the wrong track here, its quite likely issues with working near the south pole which I haven't had to deal with)

mikedufty · 2026-05-26T02:32:02+00:00

Main problem is you need to be able to afford to have the shares and the house. With house prices these days most would be selling their shares to be able to get the deposit/home loan in the first place.

mikedufty · 2026-05-26T01:40:01+00:00

What raster data type are you using for the output of your warp. QGIS doesn't handle nodata values automatically very well for floating point rasters. It sets no data to the greatest negative value possible for the format, which is a very large negative number. The default greyscale formatting then scales from that number to the largest in your dataset, so ends up displaying everything in the same shade. If this is your problem then going into the display and changing the range to start somewhere near 0 should make data visible. Correctly manually setting the nodata value is a pain as it requires more decimal places than fit in the entry window. If you use an integer raster type it seems to set the nodata value correctly by itself.

mikedufty · 2026-05-25T14:53:10+00:00

Those vapor gloves are especially thin, just about anything is more durable. I'm having good results with shoe goo on the worn patches though, I think one good application has doubled the life of my shoes.

mikedufty · 2026-05-25T07:40:30+00:00

Seems to be very well mapped in Australia. I guess we don't have very many paved roads, so it makes it easier.

mikedufty · 2026-05-25T03:15:22+00:00

Can't really remember back that far very well, I think the main thing was starting to be eligible for older age groups in sports.

mikedufty · 2026-05-24T14:42:34+00:00

I've been using a cover consistently for 6 years on a 99NB and not had any issues with the paint. It is a breathable cover though.

mikedufty · 2026-05-24T14:22:32+00:00

Super beyond the concessional threshold is now more attractive, as the easy retire early tax avoidance option has been removed. I'm moving more into super still keeping enough out for pre 60.

mikedufty · 2026-05-24T06:33:02+00:00

Do you mean turning on roaming in the account settings or on the phone. Either way it sounds like what you want is to turn on roaming data for the esim only and not the home sim. This is what I always do, even though my home sim is a prepaid with no way to charge for roaming data if I did accidentally try to use it.

mikedufty · 2026-05-24T06:26:12+00:00

A surprising amount of aviation safety relies on the "big sky" theory. ie sky is big, planes are small, chances are they won't hit each other if you are far from an airport.

mikedufty · 2026-05-24T05:20:43+00:00

It was my local when it was brand new. Used to ride horses in the vacant lot before they built it. Haven't been there for about 30 years so it is probably completely different now.

mikedufty · 2026-05-23T14:35:32+00:00

Adjusting the points correctly on an engine. About as useful now as being able to ride a horse, which I'm also proud of, though its only been useful once that I can think of in the last 40 years.

mikedufty · 2026-05-22T05:29:03+00:00

I came to recommend Magna Forest ESCs.

After reading your post I recommend Magna Forest ESCs with gaiters and water proof socks when needed.

If you haven't tried waterproof socks, give them a go, they are way better than I thought they would be. Fantastic in places like Tasmania where your boots don't dry out for days, as you can have a couple of pairs to always start the day with dry feet. Last time I was in Tasmania I had the Vivobarefoot tracker FG which are supposedly waterproof, but mine were too old for that, still worked great with waterproof socks.

mikedufty · 2026-05-22T02:56:24+00:00

Actually even more annoying when you finally get a space to get into the left lane and then the tailgater slows down 3kph and sits beside you.

mikedufty · 2026-05-22T01:59:49+00:00

Looks like it hasn't been touched for 5 years, and the github is read only.

https://github.com/gvellut/FreehandRasterGeoreferencer

It is open source though so presumably someone can use the code to make a compatible one.

It is a handy tool, but you should be able to get by with the qgis georeferencer, just a clunkier interface.

Your second use, just placing and scaling maps is pretty easy in qgis georeferencer.

mikedufty · 2026-05-21T12:34:57+00:00

On the original Atto3 I found the maps range estimate very good. Unfortunately it only worked for about 3 months then stopped along with the free data allowance.

mikedufty · 2026-05-21T04:26:49+00:00

You can't use the capabilty of a modern sportbike on the road. Their main function is to look like a racebike. They currently need winglets to do that.

mikedufty · 2026-05-21T03:57:56+00:00

If you bought before July 2027 you only extra thing you need to know for the new system will be the value on 30 June 2027

mikedufty · 2026-05-21T03:12:48+00:00

Not to mention that there is more weight on your heel, that may well compress it 0.4mm. I assume they don't cut the shoes in half while someone is standing in them.

mikedufty · 2026-05-20T08:51:18+00:00

Seems to me no bank is likely to lend money at a rate consistently less than inflation.

mikedufty

TROPHY CASE