Posts

How much of my home insurance premium actually funds claims?

Home Insurance Premium Breakdown Most Australians consider home insurance to be essential and worthwhile. However, self-insurance or limiting insurance only to the extent necessary and most value-for-money should be considered. The below calculator shows how much of home insurance premiums is spent on claims vs other expenses. This is the "payout ratio." The lower the payout ratio considering your level of risk, the less you should insure. Annual Premium: Claims (%): Taxes (%): Reinsurance (%): Operating Expenses (%): Profit (%): Calculate Reference: https://insurancecouncil.com.au/wp-content/uploads/2025/03/INCA015-Fact-Pack-2025_v2.8-1.pdf

What will be the cashflow from my rental property?

Property Investment Calculator The vast majority of Australian property investors overestimate the true cashflow by not calculating all costs and losses of income (vacancies, etc). To simplify, you can enter a single catch-all estimate for Expenses (% of rental income). I recommend 35-50%. This calculator is for an Interest-only loan (the extra cost of paying down equity could be considered similar to the opportunity cost of investing those extra funds). Purchase Price: Deposit (%): Interest Rate (%): Loan Term (years): Rental Income (per week): Expenses (% of rental income): Calculate

What are the comprehensive costs of Australian rental properties?

Project : Publish online a comprehensive Australian Rental Property Cost calculator that has fields for all types of costs and facilitates accurate estimation. Impact : The vast majority of potential and actual owners of Australian rental properties do not understand the full extent of costs and the implications. And renters, renting advocates and governments don't understand the implications for rental affordability of compliance costs and overheads.

Why is illegal front running allowed on the ASX?

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Project : Front Running is supposed to be illegal on Australian stock exchanges (ASX) as it means trading bots are given access to submitted broker client orders before execution and can selectively jump ahead to capture profits at the client's expense. The ASX, ASIC and relevant law are supposed to prevent front running "if trading ahead of client orders disadvantages clients." Yet, this is exactly what currently occurs on the ASX with the CBOE Australia (formerly Chi-X) exchange used by High Frequency Trading bots to mine front running profits. Presumably, the ASX is paid to facilitate this. ASIC appears to suffer from regulatory capture and could easily ban this but so far hasn't. Impact : Apparently, ~20% of daily trade volume is on the CBOE, so I estimate the annual loss to Australians is hundreds of millions of dollars a year. Mission : Investigate the scale of the annual profit extraction and who is being paid off to enable this. > Simple Explanation of Fr...

In terms of eligible conditions, how do countries compare in their COVID-19 vaccine injury compensation schemes?

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Summary : The safety of the COVID-19 vaccines with respect to the range and likelihood of serious adverse effects has been contested for years. Subsequently, COVID-19 vaccine injury compensation schemes became available in dozens of countries but have expired or will soon. Government agency web pages (considered authoritative) with this info will be removed afterwards. It's obviously relevant to compare the range of eligible vaccine injuries among countries with COVID-19 vaccine injury compensation schemes. Despite tens of thousands of journalists and health professionals writing hundreds of thousands of articles for the public on COVID-19 vaccine safety, neither web search or ChatGPT tools could find a single public web page that provided a comparison.

What is my Basal Metabolic Rate (BMR)?

Basal Metabolic Rate Calculator BMR = amount of energy expended while at rest and post-digestion. Age (10 - 100) Gender Male Female Height cm Weight kg Calculate 1,640 Calories/day Please enter all the details correctly.