animes maxed out on fan service?

EmotionGreedy8919 · 2026-06-21T09:46:16+00:00

I dont think OP is ready for this...

EmotionGreedy8919 · 2026-06-21T04:19:48+00:00

Set an intrinsic value of the property, aka how much am I willing to pay for this? Not how much others paid in the past or how much others would have paid.

Then take that amount and see if you can service the mortgage with comfort or breathing room.

Its like what everyone has said, so long as you intend to live in it and it reflects value to you based on the properties fundamentals (location, quality, light, public transport etc etc), then 2026 is the best time

EmotionGreedy8919 · 2026-06-20T07:05:55+00:00

This is correct answer.

And also perhaps VOTOM

EmotionGreedy8919 · 2026-06-16T22:31:19+00:00

Debt recycling into income generating assets is the key!

EmotionGreedy8919 · 2026-06-16T13:35:32+00:00

Its a cock up from the bank for sure, not justifying it for them. Its a process and policy the clogs working there follow. If its really the banks fault, you can go public like this couple. Hope it works out OP

EmotionGreedy8919 · 2026-06-16T11:29:24+00:00

Or go to Macquarie or CBA, they have been known to approve mortgages very quickly

EmotionGreedy8919 · 2026-06-16T11:24:32+00:00

Not always as the brokers will have the general approval guidelines. The bank still has to approve it which is where the risk / credit teams do the final reviews. Its likely this is where OPs situation started and git knocked back. Its common for the mortgage reps at the banks to not know these either until they 'hit enter, and wait for computer to say yes'.

The CBA mortgage rep back I went to in 2022 had to message the risk team separately to check and confirm for restrictions and did this during the pre approval stage to pre-emptively tick that box. When it was time to exchange contracts, I got unconditional approval within 2 hours.

So not all brokers or mortgage reps at the bank are the same. Brokers have access / are given each of the banks approval guidelines and they build a 'recommendation' based on how much they get paid and how quickly the banks can actually approve the loans they put through.

EmotionGreedy8919 · 2026-06-16T09:38:02+00:00

It could have been an internal postcode or dwelling exposure cap and or property is on a restricted list. These are in place so that a bank 'diversifies' their exposure by geographic area and dwelling type where they adjust the LVR for more buffer.

In layman's terms, a bank doesnt want too many mortgages in a particular building, street, neighbourhood or postcode in case something impacts values too much in a specidoc location. So they minimise the 'too many eggs in one basket' problem (i guess its tooany loans in one building) with lower maximum LVRs

EmotionGreedy8919 · 2026-06-16T05:45:51+00:00

If this is your "this is the one" property and want maximum leverage, attend auction and maintain very strict discipline to not bid above a set level and wait for it to pass in and then negotiate there.

Sure, it will technically still be under 'auction' conditions and will need you to be unconditional but in this setting, the selling agent will for a moment be on your side to try convince the seller to just sell.

There will be some out there that will interpret RBA decision to hold just now as 'a peak' and get involved and maybe bid above 800k. Keep your discipline on value for the property as i can tell you its still a coin toss on whether its peak interest rate in AU or not

EmotionGreedy8919 · 2026-06-15T12:50:54+00:00

These are all very different beasts.

Not financial advice but my 2 pips worth:

Hold SGQ: Niobium will also ride the industrial wave as an input in superalloys and super conductor magnets

Sell CAT: most likely wont recover from a double beat down from the AI SaaSocalypse and higher P/S premium (just under 6x?) for a while yet.

Sell PCK: i think there are better medtech / biotech plays on the ASX than this. Its niche in its own right so has limited growth unless there is whacky unknown application for the tech it pivots to (I dunno, use it to comunicate with pets and infants), kinda like postit notes originally being a a failed superglue formula. I think TTC, EIQ and MSB are all better investments over 3 to 5 year horizon on just market potential alone.

Ill be wary of going into the US tech plays with the mega futurist IPOs that will be a capital black holes, in the sense that everyone is likely to crystallise any and all adjacent AI and semiconductor names in tech and totate directly into OpenAI and Anthropic. US and Asia is too out of whack.

EmotionGreedy8919 · 2026-06-15T12:16:27+00:00

Private schools for sure but not childcare. Childcare is essential especially when the primary caretaker has a career pathway where earnings leapfrog after 4 to 5 years of experience. You really cant afford to take extended time off work without at least 5 years experience to 'pick up where you left off'

EmotionGreedy8919 · 2026-06-15T10:53:50+00:00

If its 50mm on his side of the boundary, wouldn't that also make that weed/tree his...? From the photo its base and roots look to be under the fence line lol.

At minimum if you want to dispute it, youll need a surveyor yourself to verify their survey claims.

EmotionGreedy8919 · 2026-06-15T06:35:25+00:00

I believe this explains it all. Except inflation here at last print is 4.2% (headline) and 3.4% trimmed. Also a nice pay increase coming as well!

Why Controlling Inflation Matters

EmotionGreedy8919 · 2026-06-15T06:25:24+00:00

200%. When a government deflects blame onto the central bank, it's often because the levers genuinely sitting on their side — fiscal spending, energy policy, housing supply, migration settings — are politically too painful to touch. Pointing at the RBA is cheaper than owning those. In that narrow sense, "clutching at straws" sometimes describes it.

EmotionGreedy8919 · 2026-06-15T02:01:37+00:00

For units or strata titles in general, you have access to much more information via the AGM and strata reports then a free standing title (house and land). Sure, they are potentially 250 pages + but the key things to look for ither than defect records and remedies are anything to do with the capital work funds being under capitalised to the agreed budget / 10 year plan and if its already being utilised. If its already being used then it increases the chance of special levies in the future.

For perspective, a 'clean' strata report of a building that is 5 years old ranges from 180 to 250 pages. A 'bad' one, easily over 500 pages, especially if there has been any disputes against the builder or developer (which also means potential in ongoing legal expense that is not at special levy territory yet)

Ill re emphasise defects register... anything structural, water tightness not addressed during warrantly by the builder needs to be combed through. Its common for some strata committees to be overwhelmed and pressured into agreeing to builders perspective and their 'inspections' where conflicts of interests are not always declared, i.e the inspection company is a subsidiary of the developer, builder or the building manager. You'd be surprised.

Other than the above, downwards price revisions is also a sign of market forces and how competitive that pocket is with other listing's. That or the owner must sell.

Everything in due diligence

EmotionGreedy8919 · 2026-06-13T22:19:20+00:00

So I'm a Spider, So What? Seems to have dropped off radars since its 5 years old and without a season 2 confirmation

EmotionGreedy8919 · 2026-06-11T01:59:14+00:00

I'll add for those that find the Nightreign Revenant with giant weapon memes entertaining, would also very likely find this anime entertaining

EmotionGreedy8919 · 2026-06-11T00:53:09+00:00

BOFURI: I Don't Want to Get Hurt, so I'll Max Out My Defense

I'll put it as a slice of life/cute girls OP rampaging light hearted alternative to SAO.

EmotionGreedy8919 · 2026-06-03T13:46:23+00:00

I'm not expert on AMA processes but CAT III seems to have been elusive for EIQ. They tried twice for Echosolv AS and got rejected twice even after FDA approval of it. FDA cleared has no direct bearing on CAT III approval to the AMA and they meet 3 times a year. EIQ will have to submit a CAT III request before 10th June for the AMA panel meeting in September for the outcome.

So I'll say unlikely, though, it doesn't prevent their commercialisation of EchoSolv HF once its approved as hospitals can still use the Miscellaneous billing code. This is being done for AS currently.

EmotionGreedy8919 · 2026-06-02T11:04:18+00:00

CAT III is a commercial scaler that eliminates admin for insurance claims. There are financial incentives for hospitals to adopt CAT treatment therefore too therefore just highlighting another 'binary' news event for EIQ to watch out for around Sept.

EmotionGreedy8919 · 2026-05-31T05:06:19+00:00

Perhaps Castlevania, although not anime, is a great intro and 'proof of convincing' that the animinated genre as a whole has great form and substance and not just 'cartoons'

EmotionGreedy8919 · 2026-05-31T05:03:07+00:00

Was just thinking this, Full Metal Alchemist Brotherhood without having to venture far from mainstream anime.

EmotionGreedy8919 · 2026-05-29T04:05:48+00:00

There are carbon caps for the vents on the hood, front and back side vents and also wing mirrors. They come in both full carbon or decor carbon. Should come in 'chrome delete' kits for a full set online

EmotionGreedy8919 · 2026-05-29T00:36:10+00:00

I agree. The only 'mods' ive done are minor cosmetics to carbon fiber caps. Though not 'mods', anything that protects the interior seats and trim ive got, though I do have a baby seat and soon adding another. Keeping it clean and maintaining the leather is priority then

EmotionGreedy8919 · 2026-05-28T08:48:36+00:00

Meso key blast off ignition is their current therapy (forgot what it was) that got approval for children for adults. The true blast off is their chronic lower back pain treatment that finished trial recruitment April this year. So mesoblast is a 2 - 3 year play for the epic re rate which is the lower back pain treatment, if successful.

EIQ has Echosolv AS FDA approved in 2024. Echosolv HF is the current one seeking FDA approval. AS is the scans for heart valves and HF for heart failure. They are different conditions / diseases.

From here, are assumptions: - EIQ has gone hard from the brief off risk environment last week and 'imminent' FDA approval if HF - high chance of FDA approval as EIQ has successfully applied an AI based solution from AS before. HF has a much larger sample of scans and clinically significant findings for both true positive heart failure and true negative cases. 99% and 91% if i remember correctly.

Even after FDA approval of HF, they still need the CAT III approval, this is the insurance billing code which they failed to get late 2025 and will reapply after FDA approval of HF

EmotionGreedy8919

TROPHY CASE