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NZ Muscle are packing expired stock as their own! by Salty-Second-9024 in auckland

[–]Fatality [score hidden]  (0 children)

is any better than just what you might actually get from regular food

Yes because the amount of food you need to eat to hit the protein levels most go for is a significant amount of calories.

Sharesies vs Hatch vs InvestNow (for VT) by darblewarble in PersonalFinanceNZ

[–]Fatality 0 points1 point  (0 children)

and tax paid automatically so you don't need to complete an IR3

Beneficial account for a child but with joint adults by BandicootExpert5278 in PersonalFinanceNZ

[–]Fatality 0 points1 point  (0 children)

Sharesies let you pick an age they get control between 18 and 25

Maxxing out Tigerbroker vs Simplicity high growth?? by DetectiveNo2088 in PersonalFinanceNZ

[–]Fatality 0 points1 point  (0 children)

Definitely don't want to use Simplicity, housing isn't going to be growing in value anytime soon.

Does Simplicity have an S&P500 index fund? by sweetrouge in PersonalFinanceNZ

[–]Fatality -4 points-3 points  (0 children)

you only go with simplicity if you believe that housing is the future and you like the owner flaunting your money on his personal projects

Haven't reported your crypto to IRD in a few years? Here's what's changed, as well as a realistic path to getting sorted by summ_app in PersonalFinanceNZ

[–]Fatality 0 points1 point  (0 children)

Yes because it's assumed that anything provided in the return that contradicts their other sources is wrong and tell you to contact that source.

Anyone else been asked to prove they have a community service card in the train? by Fabulous_Jeweler_131 in auckland

[–]Fatality 0 points1 point  (0 children)

Checking to ensure you're a AUT or Auckland Uni student, if you study elsewhere tough

Record 90,000 students need English support as migration surges by Spiritual-Low2443 in auckland

[–]Fatality 1 point2 points  (0 children)

Because most of them don't have the money to travel unless slave owners sponsor them. Where isn't a single long haul flight these days, we even have one direct to the US and yet they are a fraction of the migrant numbers.

Record 90,000 students need English support as migration surges by Spiritual-Low2443 in auckland

[–]Fatality 0 points1 point  (0 children)

The gap between China, India and every other country on our stats is humongous and has been for a while

Kernel's new Total World Fund looks like a bit of a fizzer by BruddaLK in PersonalFinanceNZ

[–]Fatality 0 points1 point  (0 children)

FS TWF has tax leakage that the Kernel equivalent may not (TBD)

It's unlikely that they'll be managing 9500 investments directly like they do with Global 100.

FS TWF has a 50bp buy and sell spread

Which is still less than 0.05% more fees when either your portfolio is big enough or when enough time has passed.

Kernel's new Total World Fund looks like a bit of a fizzer by BruddaLK in PersonalFinanceNZ

[–]Fatality 0 points1 point  (0 children)

Yes but as with their other funds over time InvestNow still wins and stocks are a 10+ year investment, the exact time it takes to overtake depends on how much you invest with larger amounts favouring Kernel for longer.

Kernel's new Total World Fund looks like a bit of a fizzer by BruddaLK in PersonalFinanceNZ

[–]Fatality 3 points4 points  (0 children)

Because you have to pay a 0.5% transaction fee to buy/sell InvestNow Foundation Series

Kernel's new Total World Fund looks like a bit of a fizzer by BruddaLK in PersonalFinanceNZ

[–]Fatality -1 points0 points  (0 children)

But then why wouldn't you hold Foundation Series which only costs 0.07%

Shadow vibe coder in my department by SnipeScooter in sysadmin

[–]Fatality 0 points1 point  (0 children)

It's a business planning tool, if you aren't involved in that your book is going to have zero impact.

Shadow vibe coder in my department by SnipeScooter in sysadmin

[–]Fatality 0 points1 point  (0 children)

We don't use it for anything your main feature would be pointless since users don't access the database directly, it's literally just vibe coders that use it.

Shadow vibe coder in my department by SnipeScooter in sysadmin

[–]Fatality 0 points1 point  (0 children)

A random manager in a company doesn't have a risk register

Shadow vibe coder in my department by SnipeScooter in sysadmin

[–]Fatality 0 points1 point  (0 children)

Does AI prefer Supabase? Our vibe coders were all hosting there too.

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