Yep, sorry about that Hans. Definitely a bit (lot) rude of me.
At the moment I am still working even though our city, Melbourne, is about to knock London of the perch for the worldwide record number of lockdown days. And our lockdowns are quite a bit more severe. Makes life hard and time in very short supply.
On top of that our dear federal government has mandated that Financial Advisers must obtain a uni degree. No allowance whatsoever for any existing superb qualifications nor for over 3 decades of perfect practice. Nope, sit it, pass it (by 1/1/24) or get out of the profession. Even worse they have mandated that we sit and pass a final exam before we even get to the degree. I doubt if any country has ever mandated that folk have to pass a final exam (definitely not a qualifying one, as all the subject matter is dealt with within the degree course) before sitting the degree course. So, I am frantically studying for this compulsory exam. I am a fully qualified structural engineer, a fully qualified Financial Planner, so I perhaps should know a bit about passing exams, yet with this one I have failed it twice to date. So not easy by any means - well not for me.
Thus when I say that time is in short supply, I'm not joking.
The government's reason, is that this is to increase the quality of Australia's advisers as they are a bit suspect. Yeah right! In the last 30 years there have been precisely 203 financial advisers sanctioned by the authorities in all of Australia. No other country could boast figures even remotely as good.
Hope this doesn't contravene any Lounge rules. Probably comes close, but all I have done is state facts - well almost all.
I did a workaround on the above problem. Sorry to trouble you.