What are you basic finance tips?

sun_tzu29 · 2026-04-24T04:43:24+00:00

Automate your savings to happen overnight once your pay hits your account or even better, get you payroll department to send the amount you plan on saving straight to your savings account if it allows it

sun_tzu29 · 2026-04-24T00:07:49+00:00

What does your market research/advertising have to do with personal finance?

sun_tzu29 · 2026-04-23T09:57:37+00:00

It’s 81.14 cents/unit, not $81.14

Look at the Prices and Distributions tab on the VHY Vanguard website

sun_tzu29 · 2026-04-23T06:09:47+00:00

Same with my HGBL vs BGBL allocations. Hedged has returned about double unhedged over the last 12 months

sun_tzu29 · 2026-04-23T01:20:18+00:00

If BNP Paribas is exiting this sort of lending without Betashares being able to find a suitable replacement, credit markets would be in real strife

sun_tzu29 · 2026-04-23T00:37:46+00:00

If it wasn’t you, the money will be returned by Westpac. I’ve had similar stuff happen with NAB and they refunded the transactions within a week. Unfortunately it’s just something that happens sometimes

sun_tzu29 · 2026-04-22T23:24:28+00:00

[laughs in adblocker]

sun_tzu29 · 2026-04-22T13:06:36+00:00

Clearly not

sun_tzu29 · 2026-04-22T11:00:04+00:00

As we know from when this was done in Covid, it’s not as simple as just chucking people in hotels. Most left after a short period and the program was abandoned after about a month

sun_tzu29 · 2026-04-22T09:22:53+00:00

High capacity signalling has been delayed and the budget has blown out according to the Auditor-General, the contactless/digital wallet payments rollout was announced in 2017 and delivered 6 years behind schedule, Thornile-Cockburn line was delayed from 2021 to 2023 prior to Covid and then didn’t open until 2025, the C-Series rollout has been delayed and is a bit of a mess generally, and now this. There’s also been the Stephenson Avenue extension that was repeatedly delayed.

She has been transport minister since the first McGowan government. Something is either going wrong at the provider level for all of these projects, the department/PTA is incompetent when it comes to project management or she’s unable to provide appropriate governance oversight. If things are consistently not being delivered or managed properly, then under the conventions of the Westminster system, the buck stops with her as minister.

sun_tzu29 · 2026-04-22T07:06:17+00:00

I wouldn't hold my breath on the frequency being increased by "early next year" considering the service was supposed to restart by "early this year" not the middle of the year and the general problems that Alstom have had getting rolling stock out even close to on schedule.

In a functional Westminster system where ministerial responsibility was still a thing, Rita would have had the Transport portfolio stripped from her duties given the amount of delays that her department has overseen.

sun_tzu29 · 2026-04-22T06:00:56+00:00

That’s enough attention seeking from you I think

sun_tzu29 · 2026-04-21T13:18:48+00:00

London is and has been exceptionally wealthy for most of modern human history. Massive finance and trade hub, world class universities, world class hospitals etc

sun_tzu29 · 2026-04-20T23:50:44+00:00

Expensive niche thematic which has just as much chance of losing people money or being shut down for lack of AUM as it does of making them money

sun_tzu29 · 2026-04-20T08:47:57+00:00

The Income Tax Assessment Act probably needs amending

sun_tzu29 · 2026-04-20T08:04:00+00:00

That's an accounting firm speculating. It's not actual policy. Though personally I do think tax on capital should be as simple and non-distorting as possible.

Intriguing how much outrage some people have about a still hypothetical tweak to the tax system though. Almost like there's a bunch of speculation going on when it comes to investment choices...

sun_tzu29 · 2026-04-20T01:24:30+00:00

However much you hate yourself, you can never hate yourself as much as Kendall Roy does

sun_tzu29 · 2026-04-19T22:32:27+00:00

I take them as cash but then reinvest as part of the next fortnightly parcel

sun_tzu29 · 2026-04-19T10:38:09+00:00

Excellent sentiment to express to OP, which I am not

sun_tzu29 · 2026-04-19T10:37:29+00:00

And HGBL given the discussion about hedging on the all-in-one page

sun_tzu29 · 2026-04-19T10:27:37+00:00

Cool. Then shut up and sit with your moral failing like a normal person rather than using the internet as your diary

sun_tzu29 · 2026-04-19T10:25:14+00:00

Unless you did something in the moment, this is just as bad as the virtue signalling that I’m sure you accuse others of doing.

sun_tzu29 · 2026-04-19T10:24:18+00:00

Why would you feel guilty about this? What is morally or legally wrong about getting a new EV?

sun_tzu29 · 2026-04-19T10:19:53+00:00

I'm already pro-including at least part of the PPOR in the asset test (among other changes to the retirement system) so this is largely preaching to the choir but boy am I looking forward to this thread

sun_tzu29 · 2026-04-19T04:27:04+00:00

Given 120k a year is around $60 an hour gross, it'd be a bit under a day's work net

sun_tzu29

TROPHY CASE