Finances
Working notes on markets and money: how stocks are analysed, where to get the data, and how Australian income tax fits together.
Two subjects share this site. The first is the stock market, approached as a data problem: what analysis actually means, which platforms and APIs give you the numbers, and what to do with them once you have them. The second is Australian tax, written from the position of someone who has to file a return rather than advise on one.
Personal budgeting and transaction records live in this repo too, but are kept off the site navigation.
Nothing here is financial advice.
Stock Market
| Page | Covers |
|---|---|
| Stock Market Analysis | The overview page. Fundamental analysis against technical analysis, then sentiment and news, then the quantitative and algorithmic end, plus risk and portfolio management, the tooling for each, and a beginner-to-advanced learning path |
| Stock Strategies | Trading strategies, briefly |
| Stock Times | Market hours reckoned from Brisbane, which sits on AEST year round because Queensland does not observe daylight saving. The trap is that the southern states do, so the offset moves twice a year at the other end |
| Stock Brokers | Platforms compared for algorithmic trading, grouped by what you would use them for |
| Companies | Pulling company data with yfinance |
Stock Data
Getting the numbers out is its own problem, so it has its own folder.
| Page | Covers |
|---|---|
| Data Sources | Seven libraries compared: yfinance, pandas_datareader, alpha_vantage, the forks that replaced the discontinued investpy, yahoo_fin, finnhub-python, and ccxt for crypto exchanges, ending in a comparison table |
| yfinance | The deep dive on the one most used here. Ticker objects, price history, company info, financials, valuation ratios, dividends and splits, analyst data, options chains, holders, news, and pulling many tickers at once |
Tax
Australian income tax, worked from first principles rather than summarised. One overview page holds the rules that do not change. Each financial year gets its own page, numbered by the year it ends in.
| Page | Covers |
|---|---|
| Tax | The overview. How the calculation flows from assessable income to refund, the income types (salary, contracting and PSI, interest, dividends, ETF distributions, capital gains, CFDs), what counts as a deduction, the compliance checklist, planning options, and how myTax lodgement works |
| FY2025 | 1 July 2024 to 30 June 2025. The Stage 3 rates and every threshold for the year, a runnable calculator, and a step-by-step guide to filling in myTax: what to tick on the personalise screen, which document feeds which section, and the mistakes to avoid |
| FY2026 | 1 July 2025 to 30 June 2026. What changed from FY2025 (marginal study loan repayments and the 20% debt cut, 12% super guarantee, higher Medicare thresholds, ATO interest no longer deductible), the year’s rates, a calculator, what differs when lodging, and the myTax screens in detail (an income statement that is not tax ready, contractor income in a TPAR, the PSI questions, the capital gains form) |
Not Covered Yet
- No portfolio tracking or performance measurement. Nothing on benchmarking returns, computing risk-adjusted performance, or attribution.
- No backtesting. The analysis pages describe strategies without a framework for testing them against history.
- Stock Strategies is a stub, three cells against a subject that deserves a page of its own.
- Nothing on superannuation as a topic, despite it being the largest long-term position most Australians hold.
- No capital gains worked example, which is the part of the return that actually catches people out.
- Personal budgeting, pay history, and transaction analysis are kept unlisted, so the practical half of this repo is not visible here.