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Apropos of me saying that investing is more favourably taxed than one's labour, I tried to work out the effective taxation rates (note that this is not to do with investing in one's own business, which as @tgh has expressed is a different game...

Wow. You seem to be my Amex soulmate (though my Edge fee is higher) I do have a couple of Mastercards which I use when the Amex surcharge differential is big

I'm lucky enough to still have a bottle of SWC from my birthday :)

But the farmers.... And the pollies/judges with Defined Benefits... Also I'm sure there would be loud objections over concerns that there could be a sharp market crash immediately after withdrawing (though at least the benefits would have been crystallised at a high point in the market)

I thought this was an interesting article https://theconversation.com/tax-concessions-on-super-need-a-rethink-these-proposals-would-bring-much-needed-reform-257716#:~:text=The%20federal%20government%20has%20proposed,shed%20more%20heat%20than%20light Major downside in my view is that a whole...

I accept there was more than a smidge of straw and hyperbole in the post but I was a bit taken aback by the idea that there was immorality in the expectation that citizens should expect taxation on their gains as part of belonging to society. My feeling is that the tax burden lays heaviest on...

My understanding is that the FCM rebate goes to consolidated NSW revenue. Fine for the govt but not so good if you have a personal (or departmental) travel allowance

It's mathematically marginally better to transfer from Amex to KF via VFF if there happens to be no VA availability for the SQ flights you want. Bonus transfer offers (Amex to VFF) also come up from time to time Depending on where you want to go and availability, transferring to Asia Miles or...

You may be onto something there. The "daily" group had a higher calorie intake but lower weight (and had higher socioeconomic status) But...exercise is thought of as being protective from osteoporosis Data is always fascinating. Add up lean + fat and there is 2.4 kg difference in rarely and...

Good luck travelling along the footpaths (no roads) with your private bodyguards (no police or justice system) and your personal doctor and nurse. If you have a heart attack, hire some tradesmen to build a hospital for your treatment in the 15 minutes you have before the heart muscle dies. I'm...

The unrealised gains aspect was not the principle I was replying to and I agree it is problematic (I personally prefer the @Kerrodt approach) But...apart from the tiny proportion (of the 0.5%) who suffer an overall capital loss at eventual realisation, it should only be a cashflow issue as...

No-one is telling anyone how much they can retire on. There are plenty of avenues to acquire wealth to supplement super. They are baulking at providing very significant tax subsidies within super to already wealthy people. Those subsidies are at the expense of current and future workers...

Agree Both hotel programmes and US airlines are moving away from what, for me, is the most compelling aspect of FF programmes: arbitrage (both redemption and status) BA and to some extent VA seem to he following The trouble with cashback-type programmes is that they don't engage the consumer in...

Bravo. Well played

I tend to remember Birmingham as a city full of brutalist concrete and despite being the UK's second city, one I rarely recommend going to. Your (and the FT) report are confounding my memories

Agree it's best viewed as a hobby rather than an expectation to get what you want when you want. I didn't get started until 2010 but even over this time the game has changed. Some lucrative doors close and other ones open. I'm sure long haul J/F was much easier before my time but then there...

I strongly recommended Asiana Y to sisterandye's family (based in London) last week as they were keenly priced. However, they are not great ones for anything except a direct routing and suspect they will baulk at the Seoul overnight stop on way back Not sure if still available but try putting...

My first boss had 4 generic references that he used. I ended up with the "Gold Medal" one which I think may have been due to my assiduous flirtation with his PA rather than my abilities as an Intern

I have seem some clever references in my time in medicine. Nothing overtly damning but enough to make you not touch with a bargepole (can't exactly recall the best but along the lines of "carried out clinical duties to their satisfaction", "demonstrated their skills in interdisciplinary conflict...

I find if I pay via the app, the money leaves my bank a couple of days later than it did by direct debit