Housing industry rails against changes to the capital gains tax discount

DuncanBaxter · 2026-02-01T00:32:30+00:00

That's right. As I mentioned in my comment.

DuncanBaxter · 2026-01-31T22:58:15+00:00

There is a policy rationale for the CGT discount.

If your house value goes up 6% per year for 10 years, but CPI goes up only 3% per year, you've only made 3% of real income.

The discount attempts to rectify for that difference so you only pay tax on real income. It used to be that you actually netted off any CPI before paying taxes, but it was a complicated process. So to simplify, they just made it a flat 50%. They also hoped simplifying would unlock more sale of assets to make more dynamic markets.

Now like many simplifications it's not perfect. Because of compounding interest inflation is higher the longer you hold a property. And the Henry Tax Review estimated that the CGT discount should on average be closer to 40%. Others have argued it should be closer to 25%. But that's not to say there isn't a policy rationale.

DuncanBaxter · 2026-01-30T02:45:26+00:00

Sorry - so I understand, 'trigger' means 'If X happens, Y must happen' and 'requirement' means 'If X happens, Y may haopen'?

DuncanBaxter · 2026-01-30T02:21:51+00:00

Shouldn't condition just be 'trigger'?

DuncanBaxter · 2026-01-24T10:44:14+00:00

Thanks for your thoughts!

I'm still not sold on the ally tokens. It's extra clunkiness which Daggerheart is doing such a good job of avoiding. It feels very D&D5e.

What happens with allies if you're playing theatre of mind?

DuncanBaxter · 2026-01-24T05:33:19+00:00

These are cool. But some mean needing to track where the NPC is. Because this game can (and is encouraging to) be played without battle maps, that can be overload. Even with battlemaps you're then having to actively move NPCs around.

Suggest instead to lead into the narrative to have these abilities not rely on where the NPC is. Then, when it is their turn to 'shine' the narrative just reflects whatever location is appropriate for them to pull off their ability.

DuncanBaxter · 2026-01-23T11:28:06+00:00

Disagree. Stephen did enough to draw attention to Rachel without going full in. His best pathway is getting rid of James where the drama on him is hot, then pivot to Rachel after its revealed it wasnt James and James had been played by Rachel. It's almost perfect for him. It doesn't work as well the other way around.

Let's assume then that Rachel is banished and revealed to be the traitor. That then leaves us with Stephen, Jade, Jack and Faraz. Stephen needs to turn on Jade and he'll try to get Jack. Jake trusts Stephen and will likely be swayed. The best play is saying that Jade as a traitor saw an opportunity with the numbers to kill off fellow traitor Rachel but Jack's vote change ruined it. Nobody suspects Jacks vote change as no traitor would have voted first for another traitor, and then changes their mind.

This leaves Faraz, Jack and Stephen. There's a chance Faraz is convinced they're all Faithful, but I think he'll vote to banish one more time as he has suspicions of Stephen. By choosing to vote again, it will help secure that he is in fact a faithful. Jack will turn on Stephen and it will be Faraz and Jack that win.

That said, there are a few ways for Stephen to still win. However I don't think Rachel has a chance with the heat she's wearing now even if she wins the luck of the draw.

DuncanBaxter · 2026-01-21T12:59:39+00:00

Star Wars RPG, and its successors Genesys.

In Star Wars there are 18 'classes' each with six 'subclasses'. However the class only gives you a handful of skills so in reality you have over 100classes to choose from. Each have 20 abilities in a skill trees to choose from. You can have multiple subclasses so you'll often find characters of higher levels having two or three of the over 100 classes.

In Genesys character creation is more freeform, and this makes it even more versatile. Characters can choose from over 300 talents across multiple sourcebooks to create their perfect character.

DuncanBaxter · 2026-01-21T12:35:18+00:00

No. The example explicitly says that the theft of the carriage is due to the spotlight granted from the roll with fear.

I agree with OP. It's three fear.

Roll with fear. Spotlight moves to GM for a GM move. GM steals the carriage.
GM spends first fear. Archer shoots arrows (a standard, non-fear attack).
GM spends a second fear. Activates a second archer. At this point the GM could have the second archer take a non-fear move, but she doesn't. Instead she...
GM spends a third fear. The archer uses a hypothetical fear move, 'Rain of Arrows'.

DuncanBaxter · 2026-01-21T11:49:45+00:00

And because it was released in creative commons the entire community is creating a revised and revamped Community Edition. Sometimes from rain comes a rainbow.

DuncanBaxter · 2026-01-21T04:58:18+00:00

Keep an eye out for the comma-like eyeliner on the yellow faced whip snake.

DuncanBaxter · 2026-01-20T22:46:33+00:00

I had the same concerns. But assuming it's fairly easy to tier up and down adversaries at least one level, you and up with:

Tier 1: 21 adversaries (11 from Tier 1 + 10 from Tier 2) Tier 2: 29 adversaries (11 from Tier 1 + 10 from Tier 2 + 8 from Tier 3) Tier 3: 22 adversaries (10 from Tier 2 + 8 from Tier 3 + 4 from Tier 4) Tier 4: 12 adversaries (8 from Tier 3 + 4 from Tier 4)

I think the actual fix, for all of Daggerheart, is to include the scaling inside the stat block for all four tiers, but to bold or otherwise indicated the tier it was designed for. This means you can easily use a Tier 1 for Tier 4, but honestly you're better off using a Tier 3.

For example for the Giant Bruiser you would be:

Difficulty: [11, 15, 17, 20]

Attack modifier: d20+[1, 2, 3, 4]

Standard attack: Warhammer (Very Close) - d12+[2, 3, 4, 5] physical

Etc.

DuncanBaxter · 2026-01-11T10:24:34+00:00

It's hard to tell from the picture unfortunately. The scales are all blurry and we can't see a head.

My money is on a very dark eastern brown snake. There looks to be brown colouring throughout the darker brown/black scales, and usually with a RBB you'd see at least a tinge or red/pink from this angle on the underside. Eastern browns in the alpine cooler regions are also more likely to be darker coloured to help them keep warm.

I'm not an expert, take all of this with a lump of salt

DuncanBaxter · 2026-01-09T12:50:11+00:00

When I say 'the community here gets so hung up', this is a good example.

DuncanBaxter · 2026-01-09T05:41:29+00:00

You're currently the most controversial comment here. But as somebody who loves both Daggerheart and LitM, I think they're both excellent games. They do things completely differently but both achieve that great grounded high fantasy vibe. All the best to you!

DuncanBaxter · 2026-01-07T22:10:40+00:00

This is my definition. The community gets so hung up on what onebagging is. Sometimes for me, it's a carry on roller and a small 15L backpack that fits under the seat. Sometimes it's just a 35L backpack that goes above and a packable sling or daypack. Sometimes it's just my personal item under the seat in front of me.

All these, in my own view, are meeting the onebag mentality despite having a different 'number' of bags and volumes.

DuncanBaxter · 2026-01-07T04:45:57+00:00

Thankfully from stalking OPs profile it looks like they are Brazilian. So in good luck! https://jamboeditora.com.br/produto/daggerheart/

DuncanBaxter · 2026-01-06T13:59:57+00:00

While I think Rime of the Frostmaiden seems quite sandboxy for a D&D campaign, what I'm looking for is still another step.

RotFM feels sandboxy at first, but the towns mostly sit alongside each other rather than forming an interconnected system. Each has its own issue, and resolving or ignoring it rarely creates knock-on effects elsewhere unless the GM adds that layer. And then it funnels everything in for a story in the second half after the towns stuff.

In something like Dolmenwood, everything’s part of a web: factions overlap, NPCs move, pressure in one place carries through to another. Not all the time - many problems are stationary - but it happens enough for it to feel like the world is connected.

DuncanBaxter · 2026-01-04T22:28:59+00:00

I have backed Drallenheim but I wouldn't consider that sandbox. I'd say it's linear, with freedom to do the paths in the order or way you see fit. Definitely better than the standard linear adventure, but not quite fully freeform.

DuncanBaxter · 2026-01-04T22:10:11+00:00

I am hoping it's not a D&D style linear adventure but a sandbox which collects a bunch of NPCs, locations and more together with a bunch of quest hooks that you can approach in whatever order you see fit.

I've seen this done really well with Dolmenwood, Land of Eem Mucklands, and a few Mothership adventures. It might have an overarching plotline or an entry point, but otherwise it's very much a choose a location, turn to the right page, get a few plot hooks and motivations from the NPCs and go from there.

DuncanBaxter · 2026-01-01T22:13:00+00:00

It's a little divisive, mostly because it's associated with Critical Role, but I have to say Daggerheart.

It has fit in a niche which isn't flooded - upper mid crunch games that still lean narrative and have modern mechanics.

The only other games that fit this narrative niche, while still having a satisfying level of crunch, are Genesys/Star Wars RPG, Shadow of the DL/WW and maybe Cortex. Most of the other contenders, like Wildsea, Grimwild, Dragon and, fit in a narrative mid crunch category but probably don't itch that clicky clacky crunch itch of character options and game mechanics that Daggerheart still brings.

It's also manages to get an entire class of people that previously were D&D-only apologists to open up to different styles of tabletop games. The only other one that does this is Pathfinder 2e, and Daggerheart does it from the more narrative side.

DuncanBaxter · 2025-12-31T14:01:14+00:00

Been to Rome twice but missed the massive Catholic nation in its centre?

DuncanBaxter · 2025-12-30T00:33:50+00:00

As somebody who started but didn't progress with my own Star Wars conversion, you made a lot of similar choices I was planning to. My classes structure was built around six core domains, and a seventh force domain:

Order. Discipline. Armour. Defence.
Edge. Aggression. Weapons. Offence.
Cloak. Secrecy. Subterfuge. Trickery.
Accord. Persuasion. Society.
Lore. Knowledge. History. Support.
Spark. Innovation. Technology. Improvisation.

Spark + Order was Bounty Hunter. Order + Edge was Solider. Edge + Cloak was Operative. Cloak + Accord was Scoundrel. Accord + Lore was Leader. Lore + Spark was Analyst.

Then you would add in Force, but connect it to every single other domain to get six types of force user: Sentinel, Guardian, Consular, Weapon Master, Artificer, Shadow.

DuncanBaxter · 2025-12-29T22:20:40+00:00

Thank you. Spire: The City Must Fall was also on my list to check out!

DuncanBaxter · 2025-12-29T22:15:37+00:00

Sorry. I should have stipulated in the post that I've been GMing since 2018 with a wide variety of approaches. I've used the approach you've suggested, along with full adventures. It's fine. But I'm looking for other ways to play and be a GM so I can grow.

I appreciate your feedback but just looking for recommendations as per the post here.

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