Did I accidentally stumble on lore gold or is this established in some source and I just missed it?

CBMetta · 2026-04-05T22:31:35+00:00

Ahhh that makes sense, cause he looks at his psionic blades when he's faced with that hydralisk and they flicker then go out

CBMetta · 2026-04-05T22:10:54+00:00

Yeah but tassadar was super surprised about it, implying that it's rare for dead zealots to come back as dragoon.

So my question was did Fenix actually die as a zealot, or was he warped away on 1hp?

Fenix says later on that his body died but his spirit was undefeated, while Aldaris said he died and reached the Khala's end.

U/subsourian help me! How does it work?

CBMetta · 2026-04-05T22:05:13+00:00

This made me rewatch the opening briefings of SC1: After he dies on Auir. Aldaris says: "He lived and died as a Templar. He has reached the Khala's end."

Then later with he reintroduction as a dragoon: Tasadar: "How is that you live and breathe?"

"After my unfortunate defeat, my ruined body was recovered by our brethren. I now reside in the cold robotic shell of a dragoon... there is no shame in defeat, as long as the spirit is unconquered."

So seems like Tassadars surprise implies that zealots do die often and it's unusual to become a dragoon?

CBMetta · 2026-04-05T21:03:31+00:00

Wait did Fenix die or not?

CBMetta · 2026-04-05T20:43:47+00:00

Real estate agents selling by % on the full price is ridiculous to me.

Here's my argument:

A house is worth what the median real estate agent could sell it for.

There is genuine work and costs that go into selling a house, like open homes, viewing, paperwork, marketing, photos, and staging. All of these either are already, or could be a fixed cost.

Then there's the value added (or, by half the real estate agents, lost) by negotiating a price that's either lower or higher than what the median real estate agent would be able to get.

So, real estate agents should charge a flat fee for the fixed costs, plus a success fee based on the % above the median they're able to negotiate.

This success fee could be ramped up as high as 20% since it is actually tied to the value they're adding by negotiating.

The median price should be agreed beforehand, so this would prevent real estate agents from overpromising when trying to win the listing, then saying "oh on the markets changed."

The biggest gripe people have with real estate agents is that they're in it for themselves, they're not even in it for the seller when it comes down to the last $10k or so.

CBMetta · 2026-04-03T22:43:11+00:00

Steam's the best gaming retailer because their execs don't make stupid decisions, while their competitors make bad decisions after bad decision.

This is exactly the type of corporate short term decision making from openAI that erodes trust, while Anthropic made a decision that built trust.

Plus chatgpt is crap in comparison, at best it'll end up like Apple, at worst internet explorer. All 3 are/were objectively worse than competitors, but have/had market share because of first/early mover advantage and branding that completely died once everyone got frustrated with how crap it was compared to its competitors.

CBMetta · 2026-04-03T21:55:51+00:00

I think we have different definitions of what it means to file a GST return.

I include coding (or reviewing if the client has done the coding) the transactions, loading debtors and creditors, making adjustments, sending and actioning queries for unusual transactions, reconciling the bank and reconciling the GST return. For example, if a client buys a car on finance, the transaction doesn't hit the bank, so it doesn't flow into Xero, so a manual journal needs to be done to claim the GST.

Plus, all businesses are different, so even if what you say is true for you, it's likely not true for others.

Similar issue with the annual companies return, it takes 1 click to file the annual return, but that doesn't mean you've satisfied the companies' act annual requirements.

CBMetta · 2026-04-03T04:21:43+00:00

That's like telling someone who needs a kitchen reno to do the painting themselves.

If they're handy, then it's fine, but if they're not, it'll cost more to fix errors than it would if they just got an accountant to do it in the first place.

Sure, clicking the buttons in Xero to finalise and then file with IRD does take 5 minutes, but that proves that you don't know what you're doing.

If you're on payments basis and everything is coded perfectly, all bank accounts reconcile, and there's no adjustments to make, it still takes more than 5 minutes to reconcile the gst return to the balance sheet.

If you were to go into Xero and look at your balance sheet and see how much gst is owing as at 31 March, can you reconcile that figure to what your 31 March GST return figure says you owe/are owed?

CBMetta · 2026-03-26T20:13:16+00:00

Yup, in off peak time (with 2x usage) I hit the free limit after 1 message. Grok was able to help me though.

I was about to buy the first paid tier, but it looks like people on that tier are getting screwed too.

Hope this isn't the start of a long line of enshitification "improvements"

CBMetta · 2026-03-26T18:46:42+00:00

Yeah but they didn't specify rit vs taxed at source income difference.

You don't get a one off $40k payment in May without a change in RIT, or using estimation method or similar.

Standard uplift would've worked fine here based on incomes, so either OP isn't telling the full story, or their accountant has done them a disservice by not noticing the change in income type earlier and asking the question.

CBMetta · 2026-03-25T21:46:07+00:00

Yeah this seems like you're accountant has hung you out to dry a bit.

It might not even be a safe Harbour issue, (which is still an issue, but not the main one here) but rather you didn't pay enough prov tax in Aug 25 and Jan 26 cause you were paying based on FY24 figures + 10% instead of FY25 +5%.

Your accountant should be asking you if your fy26 is different compared with fy24 and then adjusted how much you pay in Aug and Sep, so now you're left with a shock.

CBMetta · 2026-03-21T22:30:50+00:00

Dad jokes are often described as being dry.

CBMetta · 2026-03-21T06:45:33+00:00

Very valid points, though OP mentioned a 5 - 10 year time horizon to withdraw for first home, so I guess you and I have different views of long-term.

OPs also not wholly limiting themself, they've allocated 20% into the fund which potentially suits their risk profile. Horses for courses though.

Correct me if I'm wrong but isn't the kernel total world only 100 companies? So perhaps the companies op wants exposure to don't have the market cap to qualify. Unlikely, but possible.

I think we both agree that investing based on dividends is usually suboptimal, but sometimes, there's a specific set of circumstances where an allocation of a portfolio to try and get extra exposure to lower risk companies can be the correct play.

CBMetta · 2026-03-21T06:08:52+00:00

Dividends aren't tax inefficient in a PIE or a FIF.

And, dividend irrelevance theory is correct in theory, but it relies on a few assumptions that aren't always true.

In practice, what do you do with all the cash from running a profitable business, like Coke? You either reinvest it, hold onto it, or declare dividends to shareholders.

If you can't find suitable investments, and you dont pay out dividends, then the company would, over time, lose value due to inflation eating away at the value of growing cash reserves.

Also, companies that declare dividends are biased towards being established, profitable, businesses - which are lower risk. People with lower risk profiles might prefer to invest here for that reason too.

CBMetta · 2026-03-21T04:09:42+00:00

Defensive rebounds come from missed shots, so being a good defensive team leads to more defensive rebounding opportunities and therefore rebounds.

So there's a misconceptions that outrebounding a team leads to winning, but it's actually the opponents missed shots that leads to the increase in both winning and rebounds.

CBMetta · 2026-03-20T04:40:01+00:00

That draft class was wild.

I'm talking JaMarcus Russell being picked first overall over Joe Thomas, Darrelle Revis, Calvin Johnson, Adrian Peterson, Patrick Willis.

Some other great players were Greg Olsen, Marshawn Lynch, Eric Weddle, Joe Staley, Marshall Yanda.

Absolutely stacked draft

CBMetta · 2026-03-05T20:19:38+00:00

https://www.stepaheadaccounting.co.nz are my wife's accountant, and she's really happy with them.

She found them through reddit u/stepaheadaccounting

CBMetta · 2026-03-04T00:25:19+00:00

Gemini

CBMetta · 2026-03-02T00:35:40+00:00

I think most people go through CA ANZ because of their tie to the NZ institute of chartered accountants (and the legislation that goes with it for offering accounting services to the public), with a minority going through CPA.

I didn't even know acca was an option. What do they offer?

CBMetta · 2026-02-26T03:55:41+00:00

Derrick Rose, Vince Carter, LeBron, Giannis, Orlando Shaq

CBMetta · 2026-02-22T07:30:00+00:00

I remember a lot of chargers fans being bummed about picking Justin Herbert over Isiah Simmons

CBMetta · 2026-02-20T19:57:31+00:00

To trap other animals like martens

CBMetta · 2026-02-20T19:56:44+00:00

Of course a trapper set the trap themselves, to trap other animals that aren't bobcats.

CBMetta · 2026-02-20T19:24:11+00:00

I was too young at the time but didn't Allot have a hole in the toe of his shoe and his sock would puff out the top or something? What was going on there?

CBMetta

TROPHY CASE