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  1. andye

    Alaska Airlines Atmos Rewards

    I presume the (I think) unique feature of earning SCs on AS redemptions is being retained. May make lots of sense for the right flyer. Like most US programmes no domestic US lounge access with status
  2. andye

    Woolworths gift card thread

    As discussed upthread 1000 WOW=500 QF Platinum Edge 315 MR=157 VA/CX/Avios/QF Use it somewhere that otherwise charges a surcharge/doesn't pay CC FF points I find the biggest time wasted is going to stores with no stock which is usually not a problem with this type of offer. Redemption...
  3. andye

    What cheeses me off

    Some info on insurance claims https://fsc.org.au/resources-category/media-releases/2045-fsc-media-release-new-data-reveals-gender-differences-for-claims-1/file
  4. andye

    Uncommon words and Meanings

    "Safe for work" usually preceded by N
  5. andye

    Uncommon words and Meanings

    I wouldn't google either but I'm sure it derives from the SFW bun/crumpet you eat with your cup of tea
  6. andye

    Superannuation Discussion + market volatility

    This strategy doesn't work so well outside of an smsf as you have to pay 15% CGT on gains in the accumulation account
  7. andye

    What cheeses me off

    When I was a student, I worked for an Income Protection insurance firm in the holidays. My impression was that a lot of the expensive 'can't work again' claims at young ages were driven by mental health diagnoses which are more prevalent in women
  8. andye

    A bit of humour

    Could bite your tongue with that one. May contain eegs
  9. andye

    Article: My Excellent Experience with Radisson Rewards VIP Status

    Have used my VIP (status matched via Avolta during promo) in Johannesburg (2x1 night stays) and in Helsinki. Very good upgrades in JNB, HEL not so much but hotel full Couldn't use dining discount in JNB and booze excluded in HEL Lounge access decent in both Comp brekkie good in both
  10. andye

    Superannuation Discussion + market volatility

    Have been hunting around and looks like I'm probably wrong. Superannuation Tax Free Component | Super Guy suggests that once income stream started ratio is locked in. Sorry if I've caused alarm....... (and hoping I don't cop as much flak as Campese is after getting the Wallabies wrong)
  11. andye

    Superannuation Discussion + market volatility

    My understanding (and I could be wrong as I'm applying logic rather than a clear source) is that the taxed component would be $300k and the untaxed $12k. If the fund grew by the same amount the following year with same withdrawal the untaxed component would become $12k (from last year) + $12k +...
  12. andye

    Sydney Meetup/Dinner @ Chin Chin - 21 Feb 2026

    No idea of my rosters but put me down as a Gold
  13. andye

    Superannuation Discussion + market volatility

    I'm glad you found that @burmans as I was doubting myself and couldnt find supporting evidence. Still not completely confident I have my head round it all so correct me if wrong So say you have $1m 100% untaxed and you convert all to a new pension at age 75 If your fund grows 10% that year and...
  14. andye

    Superannuation Discussion + market volatility

    The growth is taxable on transfer to non-dependents after death. Depending on markets and investment strategy, it wouldn't be impossible for a significant proportion to be taxable again by 85
  15. andye

    Superannuation Discussion + market volatility

    My reading of the ato site below is yes but doesn't seem logical
  16. andye

    Superannuation Discussion + market volatility

    75. At current life expectancy, still plenty of time to leave the kids with a tax bill
  17. andye

    General Medical issues thread

    Anticoagulants are always a trade-off between clotting and bleeding risk. The pharmacological half-lives are not always helpful (xarelto's is about the same as clexane) as the biological clotting action doesn't completely correlate. If looking at an oral agent, one could argue that dabigatran...
  18. andye

    Superannuation Discussion + market volatility

    I recently transferred the proportion of my super in Aware to the Hostplus Choiceplus direct investment option. Has most of the accumulation CGT advantage of an SMSF with much less cost and hassle. Obviously cant use for leveraged property (or other assets) but had no intention of doing so...
  19. andye

    General Medical issues thread

    Empagiflozin?
  20. andye

    Airline livery update - who needs one?

    I understand Maggie Thatcher was incensed. Wouldn't have fancied being the BA CEO on the end of her telephone call
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