Australian Pension Puzzle? Crack It Now - 澳大利亚养老金密码？一次搞懂

Navigating Aussie pension maze? Let your parents rest! - 搞定澳养老金谜团？别让父母烦恼！

Current Pension Amount (from September 2024 to March 2025, for the latest data, please check the official website)

For a couple jointly receiving the pension: $1,538.80 - $1,725.20 per fortnight (a total of $44,855 per year)

Approximately $3,077.60 - $3,750.40 per month.

Department to Apply for Pension

Your parents need to apply for the pension from Services Australia (formerly known as Centrelink). They can apply online or visit the service center in person.

Pension Asset Test

Definition of Asset Test

The asset test is used to assess whether an applicant is eligible to receive the pension. Specifically:

Asset Free Area: If the family assets are below a certain limit, the full pension can be obtained.

A couple can receive the full pension if their fortnightly income is below $336. For every $1 over this amount, the pension is reduced by $0.5.

When the income reaches $3,568 per fortnight (about $7,717 per month), the pension will cease to be paid.

Calculation of the Excess Part: For every $1,000 of assets in excess, the pension will be reduced by $3 per fortnight.

If it exceeds $1,045,500 (partial pension upper limit), they are no longer eligible to receive.

The asset test is an important part in determining the eligibility and amount of the pension. It includes various personal assets, such as real estate (the main residence is exempt from part of the calculation under certain conditions), bank deposits, investments (stocks, funds, etc.), vehicles, etc. Different ranges of asset values will correspond to different reduction ratios of the pension. For example, if a couple's assets exceed a certain threshold, their pension will be reduced accordingly.

When calculating assets, there is usually an asset exemption amount. As of July 2023, for a couple, the main residence of the family is partially exempt (under certain conditions), and the exemption amount for other assets (such as financial assets, etc.) is approximately $394,500 (this data may change according to policy updates).

Asset Test Conditions

For a single person: The asset free area is $301,750.

For a couple jointly: The asset free area is $451,500.

Income Test

The income test also affects the receipt of the pension. It mainly includes:

Retirement pension

Investment income

Other sources of income (such as employment income)

In addition to the asset test, the income test also affects the pension amount. Income includes retirement pension, investment earnings, rental income, etc. The pension will be reduced according to the level of income.

Income Test Conditions

For a single person: If the fortnightly income exceeds $1,000, the pension will be gradually reduced.

For a couple jointly: If the fortnightly income exceeds $1,600, the pension will be gradually reduced.

Exchange Rate Calculation

According to the current exchange rate, 1 Chinese Yuan (CNY) is approximately equal to 0.2152 Australian Dollars (AUD).

Retirement Pension Conversion (remember the exchange rate)

The retirement pension of father and mother is 2,000 Chinese Yuan each:

2,000 CNY × 0.2152 AUD CNY = 430.4 AUD

2,000 CNY × 0.2152 AUD CNY = 430.4 AUD

The total monthly amount for the couple is: 860.8 AUD

This situation (for a couple jointly receiving) can definitely get the full pension because it is far below the standard – $3,077.60 - $3,750.40

If father's retirement pension becomes 4,000 Chinese Yuan and mother's becomes 6,000 Chinese Yuan:

Father: 4,000 CNY × 0.2152 = 860.8 AUD

Mother: 6,000 CNY × 0.2152 = 1,291.2 AUD

The total monthly amount for the couple is: (860.8 + 1,291.2) = 2,152 AUD

This situation (for a couple jointly receiving) can also get the full pension because it is still far below the standard – $3,077.60 - $3,750.40

Calculation of Reduced Pension

We just talked about the situation of a couple jointly receiving. Now, in order to illustrate the calculation formula of the reduced pension, let's take a single person as an example, with a limit of $1,000 per fortnight. Suppose his single monthly total income is $4,000 AUD, which exceeds the income test limit ($1,000 × 2), then:

The excess part is $4,000 - $2,000 = $2,000 → $2,000 / 2 = $1,000

The fortnightly reduced pension is:

$1,000 × 0.5 = $500 → $1,000 - $500 = $500

Therefore, the fortnightly reduced pension is about $500, and the pension he gets as a single person is $500.

Full Pension Conditions

To obtain the full pension, parents need to meet the following conditions:

Age 67 or above.

Live in Australia and meet the 10-year residency requirement.

The family assets and income are within the specified free area.

The income is below $336 per fortnight.

The assets (excluding the residence) are below $451,500.

Pass the income and asset tests.

Through the above information, you can help your parents better understand how to apply for and calculate the pension they can receive in Australia. If there are any questions, it is recommended to directly contact Services Australia for more specific information and guidance. 

资产测试官网详情
Services Australia 养老官网连接
Services Australia Age Pension PDF

Lightspeed Webcrafting: Harnessing Websim.ai for Free - 光速造网页：免费使用Websim.ai

Websim.ai: Your AI Copilot for Web Development - Websim.ai：你的AI网页开发忠诚僚机

Dive into the world of web development with Websim.ai, where creating a webpage is as easy as pie and free of charge! Are you tired of wrestling with code and testing websites until you're blue in the face? Look no further than Websim.ai, your one-stop-shop for swift and hassle-free webpage crafting. This nifty simulation app can mimic a vast majority of application programs at lightning speed, provided your demands aren't overly gigantic.

To get started, you need to head over to its website, websim.ai. You can log in using either your Discord or Gmail account. After your first login, don't forget to set a username, as it'll be part of the link for any app you might want to publish in the future. Once logged in, you'll land on the homepage. A quick peek at the top search bar reveals that the default AI in use is Sonnet 3.5, which is pretty darn powerful for now. But if you're feeling adventurous, you can explore other options too.

Let's put it to the test and ask it to build a travel search website. You can input your requirements either in the top search bar or by opening the sidebar and using the dialog box at the bottom. We told it to create a site where we could search for travel destinations. After hitting that send button, it's like waiting for a magic trick to unfold. And voila! In no time, it spits out a result. We tried searching for "Relax both body and mind with rich cultural charm", and it worked like a charm.

Now, the curious cat in us wanted to see if it could handle Chinese input. So, we tossed in a Chinese request in the top search bar, and after a brief moment, there it was – the result. Impressive, right? But wait, there's more. After a modification, it added a logo and a price guide. And then we wondered, could we go back to the previous version? Lo and behold, when we opened the sidebar, there was a version control option, allowing us to hop between different versions like a time-traveling web wizard. Feeling a bit cheeky, we decided to change the requirements again. We thought, "Hey, eight words are too many. Let's make it eight letters instead." We sent in the new demand, and when we used it to search once more, it delivered the goods. It seems this websim.ai is not only speedy but also quite adaptable to our ever-changing whims.

Some might argue that it's too good to be true. Can an app really be this efficient and flexible? But for now, it sure seems like a dream come true for those of us who just want to whip up a web page without all the usual headaches. Whether you're a newbie or a seasoned web creator looking for a shortcut, websim.ai might just be the answer you've been searching for. So, why not give it a whirl and see where your web-building adventures take you?

Embrace the power of multiple AIs at your fingertips—switch it up, try on GPT-4O-MINI for size, and watch as it tackles your travel webpage quest with the same zest. "Relax both body and mind with rich cultural charm" you command, and before you can say "AI, make me a webpage," it's done. The results? Speedy and spot-on, just like your morning coffee order. Curious about the other AIs lurking in Websim.ai's repertoire? They're all at your service, eager to show off their web-wizardry. Give 'em a whirl and see which one spins your web just right.

Back on the home turf, switch back to Sonnet3.5, and there you'll find your duo of travel search pages, ready for inspection. Click into the one birthed by Sonnet3.5, and behold the magic: a simple click on the three-dot menu unveils a treasure trove of options. Top of the list? "Copy URL," your gateway to sharing and showcasing your new digital baby. Paste that URL anywhere and the part at the end of it will be the ID of the item.

You see, websim has these super cool features. Click on that little three-dot button in the upper right corner, and it's like opening a treasure chest. You can peek at the URL, dig into the source code (if you're feeling a bit geeky), download the whole shebang, or even zap it into oblivion if you're not happy. When you download it and drag it into your browser, it's like having a clone of your web page. You can search away, and it works just as it did on websim. It's like having your own personal web playground right on your local machine. Now, let's get into the nitty-gritty of customization. Want to jazz up that "Price Guide" and make it a sassy red? Just type it into the search bar, and presto! It turns red, not just on the websim page but even when you open the URL in a new tab and refresh. It's like the web page is following your every fashion whim. And adding a details page? Piece of cake. Type in the right command in the search bar, and boom, it's there. Click on a search result, and out pops the details. But wait, there's more. You can tweak the page using parameters too. Type in something like "Language=Chinese & Currency=RMB & Background=Yellow", hit enter, and watch it transform. It's like websim is a mind reader, making your web page dreams come true.

So, if you're itching to create a unique web app without breaking a sweat or your bank, websim.ai is the place to be. Dive in, explore, and let your creativity run wild. And don't be shy; share your experiences or questions in the comments. Let's all learn and have fun in this websim wonderland!

Claude's God-Level Prompt? Claude's Secret Sauce - Claude 的神级提示词？Claude的秘密武器

Make your Claude smarter, faster, and oh-so-thoughtful! - 让Claude不仅聪明，还能帮你动脑！

Have you ever felt like your AI assistant was just going through the motions? Well, my friend, I've got some electrifying news. A new prompt has emerged that's about to turn Claude into a supercharged language model. It's like giving your AI a rocket booster!

This nifty little thing can seriously supercharge Claude's output. It's not just about getting better answers, but also getting a peek into Claude's thinking process. It's like peeking behind the curtain of the wizardry that goes on in there.

Now, let's talk about how to get our hands on this secret sauce. There are two ways. The first is to install a plugin. You can do it right on Chrome. But if you're like me and always in a hurry, the second method is the way to go. We'll be using the prompt word document.

Head over to its Github page. Dig into the model_instructions folder and find the latest.md file. Let's say it's "v5.1-extensive-20241201.md". Open it up and copy all that good stuff.

Then, log into your Claude account. In the dialog box, click on Choose style. Next, pick Create & Edit Styles and then smash that Create Custom Style button. Instead of the regular option, choose "Use custom instructions (advanced)". On the right side, paste the content from the.md file you copied earlier and hit Create Style. Now, click Options, select Rename Style and give your new style a cool name. If you change your mind, you can even Delete style. Once you've named it, click Use Style and voila! You're all set.

Now you can start asking questions and watch as Claude works its new and improved magic. But here's the thing, some might say it's a bit of a cheat. Is it really fair to give Claude this extra boost? Or is it just us being smart users, making the most of the tools available? That's a debate for another day. For now, let's just enjoy the enhanced experience and see where this new prompt takes us in our conversations with Claude.

以下是10个ComfyUI新手必装的免费插件及其GitHub链接

节点必装，效率翻翻 - Double efficiency with 10 nodes

1. ComfyUI Manager
   GitHub: ComfyUI-Manager
   Problem: Managing and updating custom nodes can be tedious.
   解决的问题: 管理和更新自定义节点可能很繁琐。
   Enhances usability by allowing easy management of custom nodes.
   通过便捷的自定义节点管理提升可用性。

2. ComfyUI Workspace Manager
   GitHub: comfyui-workspace-manager
   Problem: Handling multiple workflows in ComfyUI is cumbersome without organization.
   解决的问题: 在没有组织的情况下处理多个工作流程会很麻烦。
   Organizes and manages workflows, models, and generated images in one place.
   在一个地方组织和管理工作流程、模型和生成的图像。

3. AIGODLIKE-COMFYUI-TRANSLATION
   GitHub: AIGODLIKE-COMFYUI-TRANSLATION
   Problem: Language barriers can limit usability for non-English speakers.
   解决的问题: 语言障碍可能限制非英语用户的可用性。
   Provides multilingual support for the ComfyUI interface.
   为ComfyUI界面提供多语言支持。

4. comfyui_controlnet_aux
   GitHub: comfyui_controlnet_aux
   Problem: Missing pre-processing features for ControlNet can hinder functionality.
   解决的问题: 缺少ControlNet的预处理功能会妨碍功能的实现。
   Essential for using ControlNet preprocessing features.
   使用ControlNet预处理功能的必备插件。

5. ComfyUI-Impact-Pack
   GitHub: ComfyUI-Impact-Pack
   Problem: Generating visually appealing images can be challenging without effects.
   解决的问题: 在没有效果的情况下生成视觉吸引力强的图像可能很有挑战性。
   Adds various impact effects to enhance image generation.
   添加多种影响效果以增强图像生成。

6. ComfyUI_UltimateSDUpscale
   GitHub: ComfyUI_UltimateSDUpscale
   Problem: Upscaling images often leads to quality loss and artifacts.
   解决的问题: 图像放大通常会导致质量损失和伪影。
   Provides advanced upscaling options for generated images.
   为生成的图像提供高级放大选项。

7. SDXL风格样式
   GitHub: ComfyUI-SDXL-Style-Preview
   Problem: Choosing styles for SDXL models can be confusing without a preview.
   解决的问题: 没有预览，选择SDXL模型的风格可能会让人困惑。
   Facilitates style selection for SDXL models with a user-friendly interface.
   为SDXL模型提供用户友好的风格选择界面。

8. 中文提示词输入
   GitHub: ComfyUI_Custom_Nodes_AlekPet
   Problem: Non-English input can be difficult, limiting creativity for Chinese users.
   解决的问题: 非英语输入可能困难，限制了中文用户的创造力。
   Enables Chinese input for prompts, enhancing accessibility for Chinese users.
   支持中文提示词输入，提高中文用户的可访问性。

9. 蟒蛇八卦工具箱
   GitHub: ComfyUI-Custom-Scripts
   Problem: Workflow efficiency suffers without handy utilities for common tasks.
   解决的问题: 没有便捷工具来处理常见任务，工作流程效率下降。
   Offers various utilities to improve workflow efficiency.
   提供多种工具以提高工作流程效率。

10. 提示词权重调节器

            GitHub: ComfyUI_ADV_CLIP_emb
            Problem: Incorrect prompt weights can lead to unsatisfactory generation results.
            解决的问题: 不正确的提示词权重可能导致生成结果不理想。
            Improves weight recognition for prompts, enhancing generation accuracy.
            改善提示词的权重识别，提高生成准确性。

XAI: Musk's Free AI Gem - XAI：马斯克的免费 AI 宝藏

ChatGPT Who? XAI is the New Sheriff in Town! - 未必必须ChatGPT, XAI新宠驾到

Hey there, AI enthusiasts! Have you heard about XAI? It's the new kid on the block, brought to you by none other than Elon Musk and Twitter. And guess what? It's free to use until the end of the year, with a cool $25 credit each month. Yup, you read that right, freebies galore!

Signing up is a breeze. All you need is an email. Even if you've got a Twitter account, they still want that email verification. Once you're in and verified, creating an API key is as easy as pie. Just one click and voila! But remember, save it right away because you won't be able to peek at it later.

The cool thing is, XAI plays nice with platforms that work with ChatGPT. Let's take Lobehub for a spin. First, deploy Lobehub (the link's there for you). Once it's all set up and you open it in your browser, head to settings, pick the language model, and look for Grok (not Groq, mind you). Pop in that API key you made, hit Check, and if it says Check passed, you're good to go. Close settings, choose Grok Beta in "Just chat", and start chatting away. I asked it to introduce itself and its connection to Musk and tell me some recent political events. The answers were pretty interesting.

After your chat session, jump back to the XAI page. There, on the Home page, you can see how much of your free credit you've used. It's like getting a little peek into your AI spending spree. So, what are you waiting for? Dive into the XAI adventure and see what this free and powerful AI can do for you. By the way, its proxy address is: https://api.x.ai; its model name is: grok-beta.

各位 AI 爱好者们，你们知道 XAI 吗？它可是新面孔哦，是埃隆・马斯克和推特搞出来的。重点是，到年底都能免费使用，每个月还有 25 美金的额度呢。没错，就是这么多免费福利！

注册超简单，只要一个邮箱就行。就算你有推特账号，也得邮箱验证。等你注册好并验证完，创建 API 密钥简直易如反掌，点一下就搞定。不过可得记着马上保存，之后可就看不到啦。

厉害的是，XAI 和能用 ChatGPT 的平台都兼容。咱拿 Lobehub 来试试。先部署 Lobehub（有参考链接哦）。等安装好后在浏览器里打开，点设置，选语言模型，然后找到 Grok（可别弄成 Groq 啦）。把刚创建的 API 密钥输进去，点检查，要是显示检查通过，那就成啦。关掉设置，在 “Just chat” 右边选 Grok Beta，就可以开聊咯。我让它介绍下自己和马斯克的关系，再说说最近的时政大事，答案还挺有意思。

聊完后回到 XAI 页面，在主页就能看到用了多少免费额度，就像瞅瞅自己在 AI 上的 “消费” 情况。还等啥呀？赶紧开启 XAI 大冒险，看看这个免费又强大的 AI 能给咱带来啥惊喜。顺便说一下，它的代理地址是：https://api.x.ai；它的模型名字叫：grok-beta。

Free AI Art Studio at Your Fingertips: ComfyUI Desktop is Here - 白嫖党福音：ComfyUI桌面版终于来了

Create, Dream, Generate - No Strings Attached - 人人都是AI艺术家，零门槛的创作革命

Hey there, dear friends! You know what's super cool? ComfyUI has a desktop version now! Yup, you heard it right.

If you're interested, just pop in your email or use Discord to join the trial form for the ComfyUI desktop version. And guess what? It can generate pictures, videos, and audio for free! Imagine having a magical creative box that doesn't just paint - it sings and dances too! The new ComfyUI Desktop lets you generate images, videos, and even audio, all from one cozy spot. No more tab-hopping or cloud-uploading shenanigans!

The official also gave us a blog link. There are basic tutorials on how to use the ComfyUI desktop version and some of its features. And it has three main awesomenesses.

First, it's like a superpower for creating all kinds of stuff. It's not just for pictures. Oh no! It can make videos and music too. So you don't have to juggle lots of different software. It's like having a magic box that gives you everything you need to be creative.

Second, it works offline. Your data stays with you, like a little secret. No need to worry about privacy issues or sending your precious creations to the cloud. And no more waiting for things to load because of slow internet. It's fast and smooth, just like a happy little train.

Third, you can make it your own! You can use custom models and plugins like ControlNet and LoRA. It's like dressing up your ComfyUI to make it look and work just the way you want. Your creations will be as unique as you are.

So, dear friends, if you're feeling adventurous, come and give the ComfyUI desktop version a try. It's waiting for you to have some fun!

The 2925 Email Hack: Your Secret Weapon for Free AI Tools(No BS Guide) - 白嫖党的武器：2925邮箱战法 - 零氪党的AIGC天堂

Why Pay When You Can Slay? Master the 2925 Email System - 薅毛高手速成：一个邮箱能顶一个钱包

Ladies and gentlemen, tech enthusiasts, and those who love a good freebie, gather 'round! Today, I'm going to let you in on a little secret that's going to help you use free online tools. You know that sinking feeling when you hit the limit on your free account and can't get any more for the day? Well, wave goodbye to that frustration with 2925 email, the Swiss Army knife of email services.

Let's start with the basics. You've got your main email account, and you're thinking, "What's so special about that?" Ah, but with 2925 email, you're not just getting an email address; you're getting a ticket to the unlimited account express. That's right, folks, you can create sub-emails like there's no tomorrow, and when one free account taps out, you just whip out another one and keep on trucking.

Now, let's talk about AIGC, the creative powerhouse that's all the rage these days. It's the tool that lets you flex your creative muscles without breaking a sweat. But, like any good thing, it comes with a limit. Or does it? With 2925 email, you can bypass that pesky limit and keep your creative juices flowing.

Here's how you do it. First, sign up for a 2925 email account. It's as easy as pie, and all you need is a phone number. Once you're in, you can generate a plethora of sub-emails. Now, head over to AIGC, and let's get this party started. If your 2925 email is abc@2925.com, and you're all logged in, you're ready to roll.

Navigate to the AIGC tool, click on sign in, and enter a new email address, something catchy like abc001@2925.com. Hit that "Sign in with Email link" button, and then rush to your 2925 inbox to find the new email. Click the activation link, and voilà, you're in the AIGC driver's seat.

And here's the kicker, if you can add 001 to your email, you can add 002, 003, and so on. That's right, an almost infinite number of sub-emails at your disposal, all ready to sign up and use AIGC. No more hitting that "you've reached your limit" wall.

So, go ahead, be a 2925 email virtuoso, and make those free accounts work for you. It's time to say "adios" to limitations and "hola" to unlimited creativity.