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Time: 2025-11-19 22:48:27
From: outside
Intermittent bug on T480
After reboot, the c:\wamp64\bin\apache\apache2.4.62.1\conf\httpd.conf has been overrided (intermittent issue, workaround is to use pickup/backup_Date/apache/httpd.conf to override it).
After reboot, the c:\wamp64\bin\apache\apache2.4.62.1\conf\httpd.conf has been overrided (intermittent issue, workaround is to use pickup/backup_Date/apache/httpd.conf to override it).
Time: 2025-11-16 20:48:11
From: outside
Cash rate holds at
3.60%
Australia’s hotter-than-expected inflation figures had many mortgage holders on edge over what the RBA’s next move might be, but the RBA has decided to hold firm for the moment.
According to the Australian Bureau of Statistics, the Consumer Price Index (CPI) rose 3.2% over the year to September. The biggest price pressures came from housing (up 2.5%), recreation and culture (1.9%), and transport (1.2%).
The RBA’s preferred measure of underlying inflation – known as the trimmed mean – also climbed to 3% in the September quarter, brushing up against the top of its target range.
Time: 2025-11-16 07:55:57
From: outside
网上读书太费眼了，所以我现在读书的目的性很强，用得上就读，用不上就暂且不看。今年印象深刻的几本书，大致可以分为四类：
• 为旅游而读：
《张掖传：千年丝路八声甘州》、 《河西走廊》、 《半小时漫画中国地理·丝路篇》、 《风景深处》、 《济南的冬天》。
在旅游前阅读，了解些风土人情，也为旅途增添了文化厚度。
• 为提升认知而读：
《信息论》、 《香农传》、 《关于说话的一切》。
让我理解信息世界的底层逻辑，也让我在表达与思考上更为清晰。
• 为消遣时光而读：
《莫斯科绅士》、 《十八岁给我个姑娘》、 《淮南子》、 《反经》。
既有小说的趣味，也有古籍的智慧，轻松之余仍能有所启发。
• 为长命百岁而读：
《运动生理学》、 《高效呼吸训练》。
• 为旅游而读：
《张掖传：千年丝路八声甘州》、 《河西走廊》、 《半小时漫画中国地理·丝路篇》、 《风景深处》、 《济南的冬天》。
在旅游前阅读，了解些风土人情，也为旅途增添了文化厚度。
• 为提升认知而读：
《信息论》、 《香农传》、 《关于说话的一切》。
让我理解信息世界的底层逻辑，也让我在表达与思考上更为清晰。
• 为消遣时光而读：
《莫斯科绅士》、 《十八岁给我个姑娘》、 《淮南子》、 《反经》。
既有小说的趣味，也有古籍的智慧，轻松之余仍能有所启发。
• 为长命百岁而读：
《运动生理学》、 《高效呼吸训练》。
Time: 2025-11-15 20:22:53
From: outside
need support 
Shimei has Warning and ERROR on index.php, need to test chinese path name. mediaFunctions.php:96
Shimei has Warning and ERROR on index.php, need to test chinese path name. mediaFunctions.php:96
Time: 2025-11-12 17:19:29
From: outside
2025 National Junior Wushu Trial
Changquan
https://youtu.be/lL-G6rf0GSo
JianShu
https://youtu.be/McbShcK1ukU
QiangShu
https://youtu.be/55LqgHyFlVU
Changquan
https://youtu.be/lL-G6rf0GSo
JianShu
https://youtu.be/McbShcK1ukU
QiangShu
https://youtu.be/55LqgHyFlVU
Time: 2025-10-24 20:50:12
From: outside
Unlocking the Tax Advantages of Property Investment Inside Your SMSF
One of the biggest advantages of investing through a Self-Managed Super Fund (SMSF) — especially when it comes to property— is the opportunity to significantly reduce your tax burden.
Whether you're in the accumulation phase or approaching retirement, SMSFs offer a tax-effective environment that can help you build wealth faster and retain more of your investment returns.
Understanding the tax benefits available through SMSF investing is critical to maximising your long-term financial outcomes. Here’s a detailed look at how the rules work in your favour.
Lower Tax Rates on Rental Income
When your SMSF owns a property that is leased out, the rental income it receives is taxed at just 15% during the accumulation phase.
This is substantially lower than personal marginal tax rates, which for many Australians range from 32.5% to 47% (including the Medicare levy).
Example:
If your property generates $30,000 in annual rental income, your SMSF will pay just $4,500 in tax, compared to up to $14,100 if you owned the property personally at the highest marginal tax rate.
That’s a significant tax saving — and it compounds over the life of the investment.
Even Bigger Benefits in Retirement
Once one or more members of the SMSF move into pension phase (typically after reaching preservation age and satisfying a condition of release, such as retirement), the tax treatment becomes even more attractive.
During the pension phase:
Rental income is completely tax-free for the portion of the SMSF assets supporting a retirement pension.
Capital gains on the sale of assets are also tax-free if the property is sold while the fund is in pension phase.
This creates a powerful incentive to hold high-performing, income-generating assets like property inside your SMSF —because not only do you benefit from concessional tax rates during your working life, but you could potentially eliminate tax entirely in retirement.
Capital Gains Tax Advantages
Capital Gains Tax (CGT) is also significantly reduced inside an SMSF compared to personal ownership.
If the SMSF holds a property for more than 12 months, the fund receives a one-third discount on the taxable gain.
The remaining two-thirds of the gain is taxed at the concessional 15% rate, meaning the effective tax rate on long-term gains is just 10%.
Compare that to an individual’s effective CGT rate, which could be as high as 23.5%–24.5% even after the personal 50% discount (depending on your income bracket).
And again — if the property is sold during pension phase, the entire capital gain may be tax-free.
Tax Deductions Available
Investing in property through an SMSF also opens up access to a range of deductions that can further reduce your fund’s taxable income, including:
Interest on the SMSF loan (if applicable under a Limited Recourse Borrowing Arrangement)
Property management fees
Repairs and maintenance costs
Insurance premiums
Depreciation on fittings and fixtures (subject to specific rules)
Each dollar claimed as a deduction reduces the fund’s assessable income, further minimising the amount of tax payable.
However, it's important to differentiate between what counts as a repair (deductible) versus what counts as an improvement (capital expense). Improvements aren't immediately deductible and can have different tax implications, so careful record-keeping is essential.
Strategic Planning: Building a Tax-Free Retirement
Given these powerful tax benefits, many Australians use SMSFs strategically:
They purchase high-quality investment properties while still working.
They allow the assets to appreciate over time, enjoying concessional tax rates on income and gains.
They transition their SMSF into pension phase when eligible, creating a tax-free income stream for retirement.
In this way, SMSF property investment isn't just about growing wealth — it's about doing so in a way that preserves more of your returns, protecting your retirement nest egg from unnecessary tax erosion.
Important Compliance Reminders
While the tax advantages are compelling, SMSF trustees must be mindful of strict compliance requirements:
The property must be purchased and maintained solely for providing retirement benefits.
Loans must comply with the ATO’s Limited Recourse Borrowing Arrangement rules.
Properties owned by the SMSF cannot be lived in by members or related parties (unless it’s a property leased on arm’s-length terms to a business).
Working with experienced advisers is critical to ensuring you maximise tax efficiencies without risking your fund’s compliance status.
One of the biggest advantages of investing through a Self-Managed Super Fund (SMSF) — especially when it comes to property— is the opportunity to significantly reduce your tax burden.
Whether you're in the accumulation phase or approaching retirement, SMSFs offer a tax-effective environment that can help you build wealth faster and retain more of your investment returns.
Understanding the tax benefits available through SMSF investing is critical to maximising your long-term financial outcomes. Here’s a detailed look at how the rules work in your favour.
Lower Tax Rates on Rental Income
When your SMSF owns a property that is leased out, the rental income it receives is taxed at just 15% during the accumulation phase.
This is substantially lower than personal marginal tax rates, which for many Australians range from 32.5% to 47% (including the Medicare levy).
Example:
If your property generates $30,000 in annual rental income, your SMSF will pay just $4,500 in tax, compared to up to $14,100 if you owned the property personally at the highest marginal tax rate.
That’s a significant tax saving — and it compounds over the life of the investment.
Even Bigger Benefits in Retirement
Once one or more members of the SMSF move into pension phase (typically after reaching preservation age and satisfying a condition of release, such as retirement), the tax treatment becomes even more attractive.
During the pension phase:
Rental income is completely tax-free for the portion of the SMSF assets supporting a retirement pension.
Capital gains on the sale of assets are also tax-free if the property is sold while the fund is in pension phase.
This creates a powerful incentive to hold high-performing, income-generating assets like property inside your SMSF —because not only do you benefit from concessional tax rates during your working life, but you could potentially eliminate tax entirely in retirement.
Capital Gains Tax Advantages
Capital Gains Tax (CGT) is also significantly reduced inside an SMSF compared to personal ownership.
If the SMSF holds a property for more than 12 months, the fund receives a one-third discount on the taxable gain.
The remaining two-thirds of the gain is taxed at the concessional 15% rate, meaning the effective tax rate on long-term gains is just 10%.
Compare that to an individual’s effective CGT rate, which could be as high as 23.5%–24.5% even after the personal 50% discount (depending on your income bracket).
And again — if the property is sold during pension phase, the entire capital gain may be tax-free.
Tax Deductions Available
Investing in property through an SMSF also opens up access to a range of deductions that can further reduce your fund’s taxable income, including:
Interest on the SMSF loan (if applicable under a Limited Recourse Borrowing Arrangement)
Property management fees
Repairs and maintenance costs
Insurance premiums
Depreciation on fittings and fixtures (subject to specific rules)
Each dollar claimed as a deduction reduces the fund’s assessable income, further minimising the amount of tax payable.
However, it's important to differentiate between what counts as a repair (deductible) versus what counts as an improvement (capital expense). Improvements aren't immediately deductible and can have different tax implications, so careful record-keeping is essential.
Strategic Planning: Building a Tax-Free Retirement
Given these powerful tax benefits, many Australians use SMSFs strategically:
They purchase high-quality investment properties while still working.
They allow the assets to appreciate over time, enjoying concessional tax rates on income and gains.
They transition their SMSF into pension phase when eligible, creating a tax-free income stream for retirement.
In this way, SMSF property investment isn't just about growing wealth — it's about doing so in a way that preserves more of your returns, protecting your retirement nest egg from unnecessary tax erosion.
Important Compliance Reminders
While the tax advantages are compelling, SMSF trustees must be mindful of strict compliance requirements:
The property must be purchased and maintained solely for providing retirement benefits.
Loans must comply with the ATO’s Limited Recourse Borrowing Arrangement rules.
Properties owned by the SMSF cannot be lived in by members or related parties (unless it’s a property leased on arm’s-length terms to a business).
Working with experienced advisers is critical to ensuring you maximise tax efficiencies without risking your fund’s compliance status.
Time: 2025-10-10 22:46:29
From: Sydney, Australia
关于倒挂
一、核心定义：价格错配
房产投资倒挂，通俗来讲就是 “面粉比面包还贵”。
新房（期房）：就像“面粉”，是还没建好的房子。
二手房：就像“面包”，是已经建好、可以立即入住的房子。
在正常情况下，由于新房是期房，需要等待，且有不确定性，所以价格应该比同地段的二手房便宜或持平。
而 “倒挂” 就是指：同一个区域或板块内，新开盘的商品房价格，明显低于周边二手房的成交价格。
二、一个简单的例子
假设在A板块：
周边二手房：挂牌价和成交价普遍在 5万元/平方米。
新开盘的楼盘：政府批准的备案价或开发商售价为 4万元/平方米。
这就形成了 1万元/平方米 的“价格倒挂”。意味着你如果能以4万/㎡的价格买到新房，理论上瞬间就拥有了每平米1万元的“纸面财富”。
三、产生“倒挂”的主要原因
这种情况通常不是市场自发形成的，而是多种因素作用的结果：
政府限价（最主要原因）：在楼市调控期，地方政府为了控制房价数据，会对新开盘的商品房设定“备案价上限”，不允许开发商随意涨价。而二手房价格则由买卖双方自由决定，政府难以直接控制，从而形成了“价格双轨制”。
开发商回笼资金需求：在市场下行或资金链紧张时，开发商为了快速销售，回笼现金，也可能主动以低于周边二手房的价格开盘，以价换量。
市场情绪传导：当市场预期未来房价会下跌时，二手房业主为了抢先出手，可能会降价销售，导致其价格向新房靠拢甚至低于新房，这也是一种倒挂（预期倒挂）。
四、倒挂带来的影响和现象
价格倒挂会引发一系列非常独特的市场现象：
“打新”热潮：
由于存在明确的套利空间，购买新房变成了一个“稳赚不赔”或“高概率赚钱”的投资机会。只要能摇到号买到新房，就等于中了彩票。这导致大量投资客和刚需客涌入新房市场，参与摇号。
一二手房市场冰火两重天：
新房市场：异常火爆，千人摇、万人摇的场面频现，中签率极低。
二手房市场：受到冷落，因为性价比不如新房，成交量可能下滑，有价无市。
滋生额外成本和不公平：
“茶水费”、“号头费”：在巨大的利益驱使下，可能会产生灰色交易，想买到房需要支付额外的费用。
购房门槛极高：开发商为了提高中签者的“质量”（通常是真正的自住客），会设置极高的验资门槛、高比例首付甚至全款要求。
对二手房价格形成压制：
当周边有大量“倒挂”新房在售时，二手房业主的定价会失去支撑，如果想快速成交，就不得不降价，从而对整个区域的二手房价格形成向下的压力。
五、给投资者的启示和风险提示
虽然“倒挂”看似是送钱的机会，但也存在风险：
“纸面富贵”风险：你买入的价格确实是倒挂的，但未来能否以你预期的二手房价格卖出，取决于届时的市场环境。如果市场整体下行，你的盈利空间可能被压缩甚至亏损。
新房质量风险：在严格的限价下，开发商的利润被大幅压缩。为了保利润，他们可能会在建筑材料、园林绿化、公共装修等方面“降标减配”，导致交付的房屋品质不如预期。
流动性风险：很多城市对新房有 “限售” 政策（例如拿到产证后3-5年内不得上市交易）。在漫长的限售期内，市场可能发生巨大变化，所谓的“倒挂红利”可能早已消失。
机会成本：将大量资金投入到一套需要长时间锁定且中签率极低的房产中，可能会错过其他投资机会。
总结
房产投资倒挂本质上是一种由政府调控政策扭曲而形成的短期套利机会。它清晰地指出了当前市场中存在的“价格洼地”，但投资者必须清醒地认识到，这并不意味着没有风险。在参与“打新”时，一定要综合考虑楼盘品质、开发商信誉、自身资金实力和长期的市场走势，而不能仅仅被“倒挂”的数字冲昏头脑。
一、核心定义：价格错配
房产投资倒挂，通俗来讲就是 “面粉比面包还贵”。
新房（期房）：就像“面粉”，是还没建好的房子。
二手房：就像“面包”，是已经建好、可以立即入住的房子。
在正常情况下，由于新房是期房，需要等待，且有不确定性，所以价格应该比同地段的二手房便宜或持平。
而 “倒挂” 就是指：同一个区域或板块内，新开盘的商品房价格，明显低于周边二手房的成交价格。
二、一个简单的例子
假设在A板块：
周边二手房：挂牌价和成交价普遍在 5万元/平方米。
新开盘的楼盘：政府批准的备案价或开发商售价为 4万元/平方米。
这就形成了 1万元/平方米 的“价格倒挂”。意味着你如果能以4万/㎡的价格买到新房，理论上瞬间就拥有了每平米1万元的“纸面财富”。
三、产生“倒挂”的主要原因
这种情况通常不是市场自发形成的，而是多种因素作用的结果：
政府限价（最主要原因）：在楼市调控期，地方政府为了控制房价数据，会对新开盘的商品房设定“备案价上限”，不允许开发商随意涨价。而二手房价格则由买卖双方自由决定，政府难以直接控制，从而形成了“价格双轨制”。
开发商回笼资金需求：在市场下行或资金链紧张时，开发商为了快速销售，回笼现金，也可能主动以低于周边二手房的价格开盘，以价换量。
市场情绪传导：当市场预期未来房价会下跌时，二手房业主为了抢先出手，可能会降价销售，导致其价格向新房靠拢甚至低于新房，这也是一种倒挂（预期倒挂）。
四、倒挂带来的影响和现象
价格倒挂会引发一系列非常独特的市场现象：
“打新”热潮：
由于存在明确的套利空间，购买新房变成了一个“稳赚不赔”或“高概率赚钱”的投资机会。只要能摇到号买到新房，就等于中了彩票。这导致大量投资客和刚需客涌入新房市场，参与摇号。
一二手房市场冰火两重天：
新房市场：异常火爆，千人摇、万人摇的场面频现，中签率极低。
二手房市场：受到冷落，因为性价比不如新房，成交量可能下滑，有价无市。
滋生额外成本和不公平：
“茶水费”、“号头费”：在巨大的利益驱使下，可能会产生灰色交易，想买到房需要支付额外的费用。
购房门槛极高：开发商为了提高中签者的“质量”（通常是真正的自住客），会设置极高的验资门槛、高比例首付甚至全款要求。
对二手房价格形成压制：
当周边有大量“倒挂”新房在售时，二手房业主的定价会失去支撑，如果想快速成交，就不得不降价，从而对整个区域的二手房价格形成向下的压力。
五、给投资者的启示和风险提示
虽然“倒挂”看似是送钱的机会，但也存在风险：
“纸面富贵”风险：你买入的价格确实是倒挂的，但未来能否以你预期的二手房价格卖出，取决于届时的市场环境。如果市场整体下行，你的盈利空间可能被压缩甚至亏损。
新房质量风险：在严格的限价下，开发商的利润被大幅压缩。为了保利润，他们可能会在建筑材料、园林绿化、公共装修等方面“降标减配”，导致交付的房屋品质不如预期。
流动性风险：很多城市对新房有 “限售” 政策（例如拿到产证后3-5年内不得上市交易）。在漫长的限售期内，市场可能发生巨大变化，所谓的“倒挂红利”可能早已消失。
机会成本：将大量资金投入到一套需要长时间锁定且中签率极低的房产中，可能会错过其他投资机会。
总结
房产投资倒挂本质上是一种由政府调控政策扭曲而形成的短期套利机会。它清晰地指出了当前市场中存在的“价格洼地”，但投资者必须清醒地认识到，这并不意味着没有风险。在参与“打新”时，一定要综合考虑楼盘品质、开发商信誉、自身资金实力和长期的市场走势，而不能仅仅被“倒挂”的数字冲昏头脑。
Time: 2025-10-04 15:22:57
From: Sydney, Australia
电影《一代宗师》里贯穿始终的武学境界，也是人生的三重境界。它并非电影的原创，而是化用了中国传统文化，尤其是道家与禅宗的思想，通过武术修行的过程来阐述人生哲理。
这三重境界层层递进，构成了一个人从狭隘到辽阔的完整成长路径。
第一重：见自己
含义：这是修行的起点。首先要认清自己，了解自己的优势与短板、欲望与恐惧、本性与本心。在武术上，就是明白自己门派的功夫，练到极致，将自己的身体和意志锤炼到巅峰。这关乎的是“自律”和“自知”。
电影中的体现：宫二先生说：“我爹说，习武之人有三个阶段：见自己，见天地，见众生。” 电影前半部分，叶问和宫二都处于“见自己”的阶段。叶问在佛山衣食无忧，将咏春练得出神入化，他此时见到的是自己的功夫、自己的世界。宫二苦练宫家六十四手，为的是不辱没宫家的名声，她见到的是自己的责任和傲气。
本质：找到“我”的存在。 知道“我是谁”，“我的边界在哪里”。
第二重：见天地
含义：走出自己的小世界，去见识更广阔的天地。这个“天地”包括更厉害的人、更博大的学问、更不同的流派。明白了山外有山，人外有人，懂得了敬畏与谦卑。这关乎的是“格局”和“胸怀”。
电影中的体现：叶问本想“踏出一步”，去东北与宫宝森先生搭手，见识北方的拳法，这就是“见天地”的渴望。而宫二在与马三的恩怨中，也看到了江湖的险恶和时代的洪流，这同样是见到了个人命运之外的“天地”。
本质：将“我”置于更大的参照系中。 认识到个人的渺小与世界的宏大，从而放下“小我”的傲慢。
第三重：见众生
含义：这是最高也是最难的一层境界。将自己毕生所学、所悟，回馈给世间，教化、滋养更多的人。它不再是关于个人的胜负得失，而是关于传承与发扬。这关乎的是“慈悲”与“责任”。
电影中的体现：宫宝森先生掰饼“比想法”，就是希望武术的念头能传下去，这是“见众生”。而电影结尾，叶问的一生正是这重境界的写照。他颠沛流离到香港，将咏春拳传播开来，门下弟子遍布世界。他不再仅仅是“叶问”，而是成为了一个传承的符号，见到了“众生”。宫二先生最终未能“见众生”，她选择了“见自己”，奉了道，不婚嫁，不传艺，活在了自己的恩怨里，所以她说：“习武之人有三个阶段，我见到了自己，也算见到了天地，可惜见不到众生。”
本质：从“我”回归到“无我”。 个人的成就与智慧，最终服务于更广大的群体。
总结与升华
这三重境界，不仅是武术之路，更是人生修行之路：
见自己：是立业之基。先要有一技之长，安身立命，认识自我。
见天地：是明理之道。通过经历世事变幻，开阔眼界，懂得规律与敬畏。
见众生：是归真之境。将个人的“小我”融入时代的“大我”，成就他人，传承文明。
在《一代宗师》的语境里，它讲的不仅是功夫的高低，更是一个人的气度、格局和最终的归宿。叶问之所以能成为“一代宗师”，而天赋极高的宫二却止步于“一代高手”，其根本分别，就在于是否走完了这完整的旅程，最终“见了众生”。
这三重境界层层递进，构成了一个人从狭隘到辽阔的完整成长路径。
第一重：见自己
含义：这是修行的起点。首先要认清自己，了解自己的优势与短板、欲望与恐惧、本性与本心。在武术上，就是明白自己门派的功夫，练到极致，将自己的身体和意志锤炼到巅峰。这关乎的是“自律”和“自知”。
电影中的体现：宫二先生说：“我爹说，习武之人有三个阶段：见自己，见天地，见众生。” 电影前半部分，叶问和宫二都处于“见自己”的阶段。叶问在佛山衣食无忧，将咏春练得出神入化，他此时见到的是自己的功夫、自己的世界。宫二苦练宫家六十四手，为的是不辱没宫家的名声，她见到的是自己的责任和傲气。
本质：找到“我”的存在。 知道“我是谁”，“我的边界在哪里”。
第二重：见天地
含义：走出自己的小世界，去见识更广阔的天地。这个“天地”包括更厉害的人、更博大的学问、更不同的流派。明白了山外有山，人外有人，懂得了敬畏与谦卑。这关乎的是“格局”和“胸怀”。
电影中的体现：叶问本想“踏出一步”，去东北与宫宝森先生搭手，见识北方的拳法，这就是“见天地”的渴望。而宫二在与马三的恩怨中，也看到了江湖的险恶和时代的洪流，这同样是见到了个人命运之外的“天地”。
本质：将“我”置于更大的参照系中。 认识到个人的渺小与世界的宏大，从而放下“小我”的傲慢。
第三重：见众生
含义：这是最高也是最难的一层境界。将自己毕生所学、所悟，回馈给世间，教化、滋养更多的人。它不再是关于个人的胜负得失，而是关于传承与发扬。这关乎的是“慈悲”与“责任”。
电影中的体现：宫宝森先生掰饼“比想法”，就是希望武术的念头能传下去，这是“见众生”。而电影结尾，叶问的一生正是这重境界的写照。他颠沛流离到香港，将咏春拳传播开来，门下弟子遍布世界。他不再仅仅是“叶问”，而是成为了一个传承的符号，见到了“众生”。宫二先生最终未能“见众生”，她选择了“见自己”，奉了道，不婚嫁，不传艺，活在了自己的恩怨里，所以她说：“习武之人有三个阶段，我见到了自己，也算见到了天地，可惜见不到众生。”
本质：从“我”回归到“无我”。 个人的成就与智慧，最终服务于更广大的群体。
总结与升华
这三重境界，不仅是武术之路，更是人生修行之路：
见自己：是立业之基。先要有一技之长，安身立命，认识自我。
见天地：是明理之道。通过经历世事变幻，开阔眼界，懂得规律与敬畏。
见众生：是归真之境。将个人的“小我”融入时代的“大我”，成就他人，传承文明。
在《一代宗师》的语境里，它讲的不仅是功夫的高低，更是一个人的气度、格局和最终的归宿。叶问之所以能成为“一代宗师”，而天赋极高的宫二却止步于“一代高手”，其根本分别，就在于是否走完了这完整的旅程，最终“见了众生”。
Time: 2025-09-28 18:00:52
From: outside
JB-HiFi $2 for FREE
502904032905529165
Card Number
**502904033006991296**
PIN
**9592**
Issue Date
**04/01/2025**
502904032905529165
Card Number
**502904033006991296**
PIN
**9592**
Issue Date
**04/01/2025**
Time: 2025-09-20 15:23:08
From: Sydney, Australia
如何打印出尽量多的标准名片大小的长方形在A4纸上面，要能方便修改上面的内容方法一：使用“邮件合并”功能（批量编辑首选）这种方法非常适合为不同的人打印不同的名片，或者批量修改内容。设置页面布局：打开Word，布局 -> 纸张方向 -> 纵向。布局 -> 页边距 -> 窄（或自定义为上下左右各5mm）。创建表格来划分区域：插入 -> 表格 -> 插入一个 2列 × 5行 的表格。拖动表格右下角，让表格铺满整个页面（留出页边距）。设置单元格大小：全选表格，右键点击“表格属性”。在“行”选项卡中，勾选“指定高度”，输入 5.4厘米，行高值选择“固定值”。在“列”选项卡中，勾选“指定宽度”，输入 8.5厘米。这样每个单元格就刚好是一个名片的大小。制作名片模板：在第一个单元格内设计你的名片内容（公司Logo、姓名、职位、电话等）。使用文本框、艺术字等进行排版，这样更容易定位。设置好字体、大小等。用邮件合并批量填充：邮件 -> 开始邮件合并 -> 信函。选择收件人 -> 使用现有列表（连接一个Excel文件）或 键入新列表。你的Excel表应该包含“姓名”、“职位”、“电话”等列。将光标放在名片模板中需要插入变量（如姓名）的地方，然后点击插入合并域，选择对应的字段（如“姓名”）。重复此操作，插入所有变量。完成后，点击完成并合并 -> 编辑单个文档 -> 全部。Word会自动生成一个包含10张不同内容名片的新文档。打印这个新文档即可。优点： 只需设计一个模板，数据在Excel中维护，非常高效，最适合批量修改。方法二：使用“复制粘贴”手动编辑（简单直接）如果名片内容都一样，或者只需要少量几张，可以用此方法。重复上述 步骤1-4，设置好页面和表格，并在第一个单元格内设计好名片样式。选中第一个单元格里所有的内容（Ctrl+A），复制（Ctrl+C）。将光标依次移动到后面的9个单元格中，分别粘贴（Ctrl+V）。现在所有10个格子都是同样的内容了。你可以逐个修改它们。直接打印即可。优点： 操作简单直观，适合内容固定或少量修改。打印前的最终设置隐藏表格边框： 全选表格，在“表格设计” -> “边框” ->选择“无框线”。这样打印出来的就只有你的名片内容，而没有分割线。实际打印测试： 第一次打印时，建议先用一张普通的A4纸测试一下，用尺子测量打印出来的名片尺寸是否正确，内容是否都在框内。确认无误后再用名片纸打印。
Time: 2025-07-22 02:02:23
From: Sydney, Australia
Workplace benefits for Inspiration Club
Inspiration Club offers our VIP hundreds of instant savings from their total bill including—
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Inspiration Club offers our VIP hundreds of instant savings from their total bill including—
Groceries & Beverages
Woolworths 3% off
Department Store
Harvey Norman 5% off
Events & Entertainment
Hoyts 8% off
Health, Beauty & Fitness
Priceline 6% off
Petrol & Transport
Super Cheap Auto 7% off
Home & Technology
JB-Hifi 4% off
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Amazon 2.5% off
Sports & Leisure
Rebel 7% off
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Time: 2025-07-17 02:40:26
From: outside
How to download Claude Code:
Install via npm: npm install -g @anthropic-ai/claude-code
Navigate to your project: cd your-project-directory
Start Claude Code: Run claude to launch
Complete authentication with your Pro or Max plan subscription
Benefits beyond saving upload time:
Build features from descriptions: Tell Claude what you want in plain English - it makes a plan, writes code, and ensures it works
Debug and fix issues: Describe bugs or paste error messages for analysis and fixes
Navigate any codebase: Ask questions about your team's codebase and get thoughtful answers
Automate tedious tasks: Fix lint issues, resolve merge conflicts, write release notes
Direct file editing: Claude Code can edit files, run commands, and create commits directly
Terminal integration: Works where you already code, not another chat window
Requires Node.js 18+ and an active Pro or Max plan subscriptio
Install via npm: npm install -g @anthropic-ai/claude-code
Navigate to your project: cd your-project-directory
Start Claude Code: Run claude to launch
Complete authentication with your Pro or Max plan subscription
Benefits beyond saving upload time:
Build features from descriptions: Tell Claude what you want in plain English - it makes a plan, writes code, and ensures it works
Debug and fix issues: Describe bugs or paste error messages for analysis and fixes
Navigate any codebase: Ask questions about your team's codebase and get thoughtful answers
Automate tedious tasks: Fix lint issues, resolve merge conflicts, write release notes
Direct file editing: Claude Code can edit files, run commands, and create commits directly
Terminal integration: Works where you already code, not another chat window
Requires Node.js 18+ and an active Pro or Max plan subscriptio
Time: 2025-07-16 13:23:44
From: outside
II-16600-1BY0A (DPF Fuel Additive Injector)
Function: CLEANING
This is the "INIETTORE CARBURANTE SCARICO" (fuel injector) or "WTRYSK DOPALACZ DPF" (DPF fuel additive injector) AutoricambiserviceInfinitipartsnet
What it does: Injects additional fuel into the exhaust stream during DPF regeneration
Purpose: The extra fuel burns at high temperature to incinerate the soot trapped in the DPF filter
When it works: During active regeneration cycles (usually every 300-500km of driving)
NI-B08D2-1BY1A (DPF System Sensor)
Function: DETECTION & AUTO-CLEANING CONTROL
This appears to be a NOx sensor or DPF differential pressure sensor
What it does:
Monitors soot levels in the DPF
Detects when regeneration is needed
Tells the ECU when to trigger auto-cleaning
Monitors the effectiveness of the cleaning process
How the System Works Together:
Detection Phase: The sensor (B08D2-1BY1A) continuously monitors DPF soot levels
Trigger Phase: When soot reaches a certain level, the sensor tells the ECU to start regeneration
Cleaning Phase: The ECU activates the fuel injector (16600-1BY0A) to inject extra fuel
Burn-off Phase: The extra fuel creates high exhaust temperatures (600°C+) that burn off the trapped soot
Completion Phase: The sensor confirms the cleaning was successful
Why Your Car is in Limp Mode:
Most likely scenarios:
Faulty fuel injector (16600-1BY0A): Can't inject fuel for regeneration → soot accumulates → DPF blocks completely
Faulty sensor (B08D2-1BY1A): Can't detect soot levels or trigger regeneration → system thinks DPF is failed
Both components failing: Complete system breakdown
The ECU enters limp mode because "this is not to protect expensive components but is purely to prevent excessive amounts of NOx from being released into the atmosphere when the SCR system does not work as intended"
Admin reply: Sydney-Specific Services
Several specialized DPF cleaning services operate in Sydney, including:
DPF Cleaning Services (Wetherill Park)
Sydney Diesel Centre
David's Auto Repair (Wetherill Park)
DPF HQ (offers 24-hour service)
Western Filters (serves Sydney area)
A1 DPF Cleaning2025-07-16 14:05:26
Function: CLEANING
This is the "INIETTORE CARBURANTE SCARICO" (fuel injector) or "WTRYSK DOPALACZ DPF" (DPF fuel additive injector) AutoricambiserviceInfinitipartsnet
What it does: Injects additional fuel into the exhaust stream during DPF regeneration
Purpose: The extra fuel burns at high temperature to incinerate the soot trapped in the DPF filter
When it works: During active regeneration cycles (usually every 300-500km of driving)
NI-B08D2-1BY1A (DPF System Sensor)
Function: DETECTION & AUTO-CLEANING CONTROL
This appears to be a NOx sensor or DPF differential pressure sensor
What it does:
Monitors soot levels in the DPF
Detects when regeneration is needed
Tells the ECU when to trigger auto-cleaning
Monitors the effectiveness of the cleaning process
How the System Works Together:
Detection Phase: The sensor (B08D2-1BY1A) continuously monitors DPF soot levels
Trigger Phase: When soot reaches a certain level, the sensor tells the ECU to start regeneration
Cleaning Phase: The ECU activates the fuel injector (16600-1BY0A) to inject extra fuel
Burn-off Phase: The extra fuel creates high exhaust temperatures (600°C+) that burn off the trapped soot
Completion Phase: The sensor confirms the cleaning was successful
Why Your Car is in Limp Mode:
Most likely scenarios:
Faulty fuel injector (16600-1BY0A): Can't inject fuel for regeneration → soot accumulates → DPF blocks completely
Faulty sensor (B08D2-1BY1A): Can't detect soot levels or trigger regeneration → system thinks DPF is failed
Both components failing: Complete system breakdown
The ECU enters limp mode because "this is not to protect expensive components but is purely to prevent excessive amounts of NOx from being released into the atmosphere when the SCR system does not work as intended"
Several specialized DPF cleaning services operate in Sydney, including:
DPF Cleaning Services (Wetherill Park)
Sydney Diesel Centre
David's Auto Repair (Wetherill Park)
DPF HQ (offers 24-hour service)
Western Filters (serves Sydney area)
A1 DPF Cleaning2025-07-16 14:05:26
Time: 2025-07-03 13:26:56
From: outside
In 2025-26, you'll need to earn $47,488 or less to get the maximum co-contribution of $500 if you contribute $1,000 of your own money.
Proposed $3m super tax
Okay, let's address the elephant in the room. The so-called Division 296 tax, which still needs to pass through Parliament, is set to apply an extra 15% tax on fund earnings above $3 million.
Yes, as it stands, unrealised gains could be taxed, which goes against the grain of our tax system.
And yes, it's unclear if the $3 million threshold will be indexed. If not, more Australians will be impacted by this higher tax over time (and ironically this year's 0.5% hike in super contributions could get more of us there sooner).
But it's important to put things in perspective. This proposed tax hike is expected to impact half a percent of Australians. These are people with at least $3 million in super. That's about 17 times the median super balance ($178,000) of today's 60-64-year olds.
Proposed $3m super tax
Okay, let's address the elephant in the room. The so-called Division 296 tax, which still needs to pass through Parliament, is set to apply an extra 15% tax on fund earnings above $3 million.
Yes, as it stands, unrealised gains could be taxed, which goes against the grain of our tax system.
And yes, it's unclear if the $3 million threshold will be indexed. If not, more Australians will be impacted by this higher tax over time (and ironically this year's 0.5% hike in super contributions could get more of us there sooner).
But it's important to put things in perspective. This proposed tax hike is expected to impact half a percent of Australians. These are people with at least $3 million in super. That's about 17 times the median super balance ($178,000) of today's 60-64-year olds.
Time: 2025-06-23 22:19:42
From: Sydney, Australia
🌿 东方智慧文化高峰论坛 · 禅心之约，智启人生—— 第三届（澳洲悉尼）澳中文化交流艺术节 · 下午专场
本场高峰论坛，将“易经之道”与“禅商之慧”融于一席，以经典之智贯通企业修行之路，也贯通每一个人对“如何经营人生”的深层探索。于时代转折中，启发更清明的抉择、更笃定的方向。
从易理到商道，从文化到修行，这是一次链接古今、通达心性的智慧之旅。
人生，是每一个人必须亲自经营的第一事业。
它关乎内在的安顿，也关乎方向的选择。唯有当我们学会经营自己，才能更从容地面对事业的波澜与关系的复杂。
因为管理，不只是策略安排，更是一种觉知能力；而经营，也从不止于利润的计算，它更关乎是否有智慧应对变化，是否以仁心面对人事。
从这一点出发，人生与企业，从来都不是分离的功课，而是一颗清明之心的修行。
——
📌 活动信息速览
🗓️ 2025年6月28日（周六）
🕰️ 13:49 – 16:49
📍 2 Herb Elliott Ave, Sydney Olympic Park, NSW 2127
🎫 免费入场 · 扫码报名 · 席位有限 · 欢迎莅临
🎙️ 主讲嘉宾：
✨ 黄沐晨｜优秀易经实践者 · 澳洲晴润文化创始人
✨ 分享主题：《结合古今谈易经》——以经解道，以道明心
✨ 张顾怀（观怀）｜光速文化创始人 · 禅商践行者
✨ 分享主题：《经营企业与经营人生》——从商道观人性，以觉知立方向
📜 愿您在这场身心共修的文化飨宴中，看见更深远的生命智慧，听见来自东方智慧文化的精神回响。
本场高峰论坛，将“易经之道”与“禅商之慧”融于一席，以经典之智贯通企业修行之路，也贯通每一个人对“如何经营人生”的深层探索。于时代转折中，启发更清明的抉择、更笃定的方向。
从易理到商道，从文化到修行，这是一次链接古今、通达心性的智慧之旅。
人生，是每一个人必须亲自经营的第一事业。
它关乎内在的安顿，也关乎方向的选择。唯有当我们学会经营自己，才能更从容地面对事业的波澜与关系的复杂。
因为管理，不只是策略安排，更是一种觉知能力；而经营，也从不止于利润的计算，它更关乎是否有智慧应对变化，是否以仁心面对人事。
从这一点出发，人生与企业，从来都不是分离的功课，而是一颗清明之心的修行。
——
📌 活动信息速览
🗓️ 2025年6月28日（周六）
🕰️ 13:49 – 16:49
📍 2 Herb Elliott Ave, Sydney Olympic Park, NSW 2127
🎫 免费入场 · 扫码报名 · 席位有限 · 欢迎莅临
🎙️ 主讲嘉宾：
✨ 黄沐晨｜优秀易经实践者 · 澳洲晴润文化创始人
✨ 分享主题：《结合古今谈易经》——以经解道，以道明心
✨ 张顾怀（观怀）｜光速文化创始人 · 禅商践行者
✨ 分享主题：《经营企业与经营人生》——从商道观人性，以觉知立方向
📜 愿您在这场身心共修的文化飨宴中，看见更深远的生命智慧，听见来自东方智慧文化的精神回响。
Time: 2025-06-08 04:42:50
From: outside
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Time: 2025-06-02 13:11:29
From: Sydney, Australia
Kent Zhou
Spear https://youtu.be/tey4uHS50Pc
Bagua https://youtu.be/lZlyPUYcKI0
Zichin zhou
Spear https://youtu.be/oILIK9w2jEo
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Spear https://youtu.be/tey4uHS50Pc
Bagua https://youtu.be/lZlyPUYcKI0
Zichin zhou
Spear https://youtu.be/oILIK9w2jEo
Jian https://youtu.be/WuDhETHmVQ8
Changquan https://youtu.be/oNDpquWTh68
Time: 2025-05-19 10:41:50
From: outside
DCR vs. LVR in Lending Decision-Making
Both DCR (Debt Coverage Ratio) and LVR (Loan-to-Value Ratio) are critical metrics used by banks when evaluating lending decisions, but they focus on different aspects of risk assessment.
DCR (Debt Coverage Ratio)
Measures: Cash flow adequacy relative to debt obligations
Formula: Net Operating Income ÷ Annual Debt Service
Focus: Income/cash flow risk assessment
Indicates: Borrower's ability to service debt from ongoing operations
Preferred value: Higher is better (typically >1.2)
Time perspective: Forward-looking (future cash flow)
LVR (Loan-to-Value Ratio)
Measures: Loan amount relative to the value of the asset
Formula: Loan Amount ÷ Asset Value × 100%
Focus: Collateral/security risk assessment
Indicates: The bank's exposure if borrower defaults and asset must be liquidated
Preferred value: Lower is better (typically <80%)
Time perspective: Present-focused (current asset value)
Key Differences
Risk aspect: DCR addresses repayment risk; LVR addresses recovery risk
Measurement: DCR focuses on income stream; LVR focuses on asset value
Volatility: DCR can change with operating conditions; LVR changes with market values
Usage timing: DCR evaluates ongoing performance; LVR is critical at loan origination
How Banks Use Them Together
Banks typically use both metrics in combination for a comprehensive risk assessment:
A loan might have acceptable LVR but poor DCR, indicating collateral is sufficient but cash flow is inadequate
Conversely, strong DCR but high LVR means good cash flow but high exposure if default occurs
The strongest loans have both favorable DCR (>1.2) and favorable LVR (<80%)
Both DCR (Debt Coverage Ratio) and LVR (Loan-to-Value Ratio) are critical metrics used by banks when evaluating lending decisions, but they focus on different aspects of risk assessment.
DCR (Debt Coverage Ratio)
Measures: Cash flow adequacy relative to debt obligations
Formula: Net Operating Income ÷ Annual Debt Service
Focus: Income/cash flow risk assessment
Indicates: Borrower's ability to service debt from ongoing operations
Preferred value: Higher is better (typically >1.2)
Time perspective: Forward-looking (future cash flow)
LVR (Loan-to-Value Ratio)
Measures: Loan amount relative to the value of the asset
Formula: Loan Amount ÷ Asset Value × 100%
Focus: Collateral/security risk assessment
Indicates: The bank's exposure if borrower defaults and asset must be liquidated
Preferred value: Lower is better (typically <80%)
Time perspective: Present-focused (current asset value)
Key Differences
Risk aspect: DCR addresses repayment risk; LVR addresses recovery risk
Measurement: DCR focuses on income stream; LVR focuses on asset value
Volatility: DCR can change with operating conditions; LVR changes with market values
Usage timing: DCR evaluates ongoing performance; LVR is critical at loan origination
How Banks Use Them Together
Banks typically use both metrics in combination for a comprehensive risk assessment:
A loan might have acceptable LVR but poor DCR, indicating collateral is sufficient but cash flow is inadequate
Conversely, strong DCR but high LVR means good cash flow but high exposure if default occurs
The strongest loans have both favorable DCR (>1.2) and favorable LVR (<80%)
Time: 2025-04-30 12:13:16
From: Sydney, Australia
Free PDF to Word Conversion Methods
There are several free methods to convert PDF files to Word documents without paying for premium software. Here are the most reliable options:
Online Conversion Tools
Google Docs
Upload your PDF to Google Drive
Open with Google Docs (right-click → Open with → Google Docs)
Once opened, go to File → Download → Microsoft Word (.docx)
Pros: Completely free, no registration, good for simple documents
Cons: May lose some formatting with complex layouts
Microsoft Word Online
If you have a Microsoft account (free to create)
Go to Office.com and sign in
Upload your PDF and open it in Word Online
Word Online can convert PDFs to editable Word documents
Pros: Good conversion quality from Microsoft's own tool
Cons: Requires Microsoft account, limited features compared to desktop version
Free Online Converters
SmallPDF.com (2 free conversions per day)
PDF2Go.com (completely free)
PDFtoWord.com (free basic conversion)
Pros: Quick, no software installation
Cons: File size limits, potential privacy concerns with sensitive documents
Desktop Software Options
LibreOffice Draw
Free open-source office suite
Open PDF in Draw, then save as .docx
Pros: Completely free, works offline, no file size limits
Cons: Formatting may not be perfect, especially with complex layouts
WPS Office Free
Has built-in PDF to Word conversion
Pros: Good conversion quality, works offline
Cons: Contains ads in the free version
Mobile Apps
Microsoft Office Mobile App
Free app that includes PDF conversion features
Take a picture of a document or open a PDF
Convert to editable Word format
Pros: Official Microsoft app, good quality
Cons: Requires Microsoft account
Adobe Acrobat Reader Mobile
Free version allows limited PDF to Word conversion
Pros: Good quality from the PDF creator
Cons: Limited number of conversions in free version
Tips for Best Results
Simple, text-based PDFs convert better than complex layouts
Documents with tables, images, or special formatting may lose some layout
For important or complex documents, check the converted file carefully
Always keep your original PDF as a backup
There are several free methods to convert PDF files to Word documents without paying for premium software. Here are the most reliable options:
Online Conversion Tools
Google Docs
Upload your PDF to Google Drive
Open with Google Docs (right-click → Open with → Google Docs)
Once opened, go to File → Download → Microsoft Word (.docx)
Pros: Completely free, no registration, good for simple documents
Cons: May lose some formatting with complex layouts
Microsoft Word Online
If you have a Microsoft account (free to create)
Go to Office.com and sign in
Upload your PDF and open it in Word Online
Word Online can convert PDFs to editable Word documents
Pros: Good conversion quality from Microsoft's own tool
Cons: Requires Microsoft account, limited features compared to desktop version
Free Online Converters
SmallPDF.com (2 free conversions per day)
PDF2Go.com (completely free)
PDFtoWord.com (free basic conversion)
Pros: Quick, no software installation
Cons: File size limits, potential privacy concerns with sensitive documents
Desktop Software Options
LibreOffice Draw
Free open-source office suite
Open PDF in Draw, then save as .docx
Pros: Completely free, works offline, no file size limits
Cons: Formatting may not be perfect, especially with complex layouts
WPS Office Free
Has built-in PDF to Word conversion
Pros: Good conversion quality, works offline
Cons: Contains ads in the free version
Mobile Apps
Microsoft Office Mobile App
Free app that includes PDF conversion features
Take a picture of a document or open a PDF
Convert to editable Word format
Pros: Official Microsoft app, good quality
Cons: Requires Microsoft account
Adobe Acrobat Reader Mobile
Free version allows limited PDF to Word conversion
Pros: Good quality from the PDF creator
Cons: Limited number of conversions in free version
Tips for Best Results
Simple, text-based PDFs convert better than complex layouts
Documents with tables, images, or special formatting may lose some layout
For important or complex documents, check the converted file carefully
Always keep your original PDF as a backup
Time: 2025-04-23 06:36:56
From: outside
what is CGT small business entity?
ChatGPT said:
The CGT small business entity refers to a small business that is eligible for capital gains tax (CGT) concessions under Australian tax law. These concessions are designed to reduce or eliminate capital gains tax for small business owners when they sell business assets.
Here’s a breakdown of what it means:
✅ Eligibility Criteria:
To qualify as a small business entity (SBE) for CGT purposes, you generally need to meet one of these conditions:
You carry on a business, and
Your aggregated turnover is less than $2 million, OR
The net assets of your business (and connected entities) are less than $6 million (this is called the maximum net asset value test).
📉 CGT Concessions for Small Business:
If you qualify, you may be eligible for one or more of the following CGT concessions:
15-year exemption – No CGT if you've owned the asset for at least 15 years and are retiring or permanently incapacitated.
50% active asset reduction – Reduce the capital gain by 50%.
Retirement exemption – Exempt up to $500,000 of capital gains (lifetime limit).
Rollover – Defer all or part of the capital gain for up to two years (or longer if you acquire a replacement asset).
🧾 Example:
You sell your business for a capital gain of $300,000. If you qualify as a CGT small business entity, you might:
Apply the 50% CGT discount (if held for 12+ months) → $150,000
Then apply the 50% active asset reduction → $75,000
Then use the retirement exemption to reduce some or all of the remaining gain
Let me know if you want a specific scenario or help determining eligibility for a particular case.
ChatGPT said:
The CGT small business entity refers to a small business that is eligible for capital gains tax (CGT) concessions under Australian tax law. These concessions are designed to reduce or eliminate capital gains tax for small business owners when they sell business assets.
Here’s a breakdown of what it means:
✅ Eligibility Criteria:
To qualify as a small business entity (SBE) for CGT purposes, you generally need to meet one of these conditions:
You carry on a business, and
Your aggregated turnover is less than $2 million, OR
The net assets of your business (and connected entities) are less than $6 million (this is called the maximum net asset value test).
📉 CGT Concessions for Small Business:
If you qualify, you may be eligible for one or more of the following CGT concessions:
15-year exemption – No CGT if you've owned the asset for at least 15 years and are retiring or permanently incapacitated.
50% active asset reduction – Reduce the capital gain by 50%.
Retirement exemption – Exempt up to $500,000 of capital gains (lifetime limit).
Rollover – Defer all or part of the capital gain for up to two years (or longer if you acquire a replacement asset).
🧾 Example:
You sell your business for a capital gain of $300,000. If you qualify as a CGT small business entity, you might:
Apply the 50% CGT discount (if held for 12+ months) → $150,000
Then apply the 50% active asset reduction → $75,000
Then use the retirement exemption to reduce some or all of the remaining gain
Let me know if you want a specific scenario or help determining eligibility for a particular case.
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