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The hidden analysis is the emotional QF could BE hypnotic OR USE proxy hypothesis Who pays for an individuals travel ? Employer Business owner Self-funded How does DSC affect self-funders? How does status level ? What’s the mix of the business : self ? Different strategy for 100:0...

The algorithm Could be worse Imagine if they gave more credits for Syd-Melb ? Well apparently that used to the case and they were downscaled The financial model is based on distance and time and fare. Some of the static combinations do seem inequitable and these could be adjusted...

The roller coaster My experience was the opposite First 10 years including whopping earnings rates like 21%, 20%, 18%… Late 1980s to early 90s It was also a time the government opened investment of its superfunds to shares. And removed the tax exempt status First year return in the new...

I made the most of it ZERO Bookings

Self interest comes first They gotta make money themselves What better way than repeat customers It’s why no one who goes on NDIS gets cured It’s what runs any business continuing revenue. Perish the thought a customer holds an investment property for years (denying agents commissions)

Actually that is the most efficient boarding strategy

It’s hard to spend $10,000 per month $1.2 million x 7-8% per year ($84,000 - $96,000) is my marker and this includes the “earnings tax of 15% in accumulation phase so it’s actually in pension phase closer to 8-9% on average While super can go up and down, (4-6 years out of 20 years, long term...

The idea that F lounge access comes with premium tickets 🎫 means you’re guaranteed the access (instant gratification and recognition of many years of effort) and QF are guaranteed the money. Win win Chasing STATUS CREDITS does not in the first instance guarantee Flounge access UNTIL YOU earn...

As one of the LTG who took 24 years to get there and is not chasing and because I’m in Adelaide there has not been a business lounge anyway, but I digress; even with lots of other people’s money plus AFF learnings (eg JASA), this enhancement is worth zero to me. Some future based hope that’ll...

Row row 🚣🚣

Mine bookings were perfect as there were none ….

I found if my dates were rigid then I’d find it much more difficult to get out of Australia Short notice international worked great too (like 3 days before flight time) Flexible and starting from somewhere ex Australia worked better With 18 million members now there’s a HEAVY demand and very...

The take up rate of reverse mortgages is lowish Estimated 40,000 https://www.lextech.com.au/news/the-rise-of-reverse-mortgages-in-australia/ Interest rate is 3.95% A no negative equity guaranteeapplies to Home Equity scheme This is different to a reverse mortgage provider...

I do see the point in staying put Familiar neighbourhood surrounded by friends and activities Ideal amenities Location location location Versus Stamp duty Agents fees Removal costs GST if buying new residential The actual packing up and emptying out the larger house - what to do with...

In looking at the Australians who were on my flight/s from Tahiti via Auckland, there’s likely sufficient for 2 flights per week - couple of sizeable tour groups (girls school Sydney, boys school Brisbane) and some stragglers I suspect Tahiti has been off a lot of our travel plans given the...

The aged care conundrum Around 8% get to the NH Aged care home These RADs are shall we say, the closest thing to modern day ….. $3 million is ridiculous In a session a few years ago now, the view was expressed NH had 3 parts Solely OAP 85% paid in, no RAD and 1/3 of beds the rest...

$350 plus per night

For a single yeah $80k $6.5k per month Without a home loan nor rent that’s feasible. Without a car even better $10k per month is hard to spend As for finishing up in your early 50s, see my listing above. There’s rarely a dull day doing the rounds of morning coffees. In the absence of...

Finally !

This has been the case a long while The main advantage for QF Hotels is that on overseas locations, you pay in Australian dollars via an Australian merchant so there’s no extra fees charged by the credit card providers !