u/syblomic-dash

I've gone through a few cycles and here are my thoughts:

1. market is going sideways then I can get a lot of covered calls premiums and they expire

2. market has gone down and I cannot sell to cover my cost. I wait a few months and then I get sick of it and sell below my costs and then price jacks up and I lose.

3. market has gone down but I'm patient. I wait and wait until I can get 5APR at my cost and finally I sell. Then the price jacks up and I try to roll. Eventually I am called.

#3 has been happening the most lately. when this happens the price flies past me but I can't do anything because I have a CC. then it drops back down and either it expires and I have 45c, or I am called.

and when I'm cold I look at the Premium Plus the strike It's similar to if I've just sold at the end of the day.

in other words if I did not sell the CC at all then maybe I could have sold when it jacked up my cost price and actually made a good profit.

maybe I should have some sort of rule that when the market drops very far and I cannot sell then I have to wait until the price goes past my cost price before I consider selling CC?

A year 4 camp overnight is going to cost $300. there are about 200 students going So that means they are budgeting $60000 for the camp?

OK I get there is insurance, the bus for the one hour trip, the actual activity centre.

it seems a hella lot split between so many kids.

$300 is a lot to me to spend for for the time from 3pm-9am the next day.

I'm in my late 40s and had laser surgery in my 20s. I'm now around -1, and I'm looking at glasses 4 driving.

I'm in Australia and my health fund covers up to about $200 each year. What's the difference between cheap and expensive glasses frames?

Some stores sell frames that sell from 600+ from fashion brands Gucci, Prada, etc. And then places like specsavers sell $200 for 2 pairs single vision.

I've read about all the claims quality and durability all that kind of thing. But it's 2026, surely they can make metal frames that don't melt from your sweat?

And materials, really you're using <40g of material in each pair. surely that's not $500 of material

I think metal frames suit me more than plastic thick frame look. ATM I think I'm only going to wear them for driving, but maybe I need prescription sunglasses for sport (golf).

I'm not sure yet. If I'm not going to wear them 24/7 I feel like I shouldn't be spending so much money.

What should I get? Cheap $200 means I might not be out of pocket at all. I won't be able to claim anything in future years because I don't need anything.

or something more than 200 means I'm paying out of pocket. and then in the future possibly using the $200 to replace lenses.

I'm a beginner of 1yr. I have a set of 2nd hand Callaway X-24 HOT from 3i-P&S. I have a driver.

I should get maybe a 5H and something else.

Should I sell the 3i-5i from the set to help fund this? I don't even hit the 6i either.

I don't see how I'd ever use them. And I'm probably years from needing new irons. Or is there any value in keeping the whole set so I can sell them together when I do move on?

Now I've been looking at clubs for my gap. You can get cheapish woods ~$50, but not hybrids which start ~130.

Or 2nd hand FB from 150+, and I don't know what's what.

What should I do?

I have a child who currently has 7i (too short), P (v. long), Driver (OK), putter (getting short).

we got second hand All over the place Which is why they are for different sizes.

as we get taller is it better to get a club as we need it? or to buy a whole set at a time?

Are the quality of the clubs going to be an issue for a 10yo? Sometimes it seems like a set might be cheaper than buying individually. and we're obviously paying for an extra bag we don't need.

Eg Pro FX Starmaker Junior Set RH - Red Age 10-12 $229, Package Inclusions: 14 Deg Driver, 16 Deg Fairway Wood, 5 Hybrid, 7 Iron, 9 Iron, P/S Wedge & Putter with Premium Junior Stand Bag

Same shop, D,H,W are 50-60ea, irons/put 40ea roughly.

These are all off brands. I'm in AU