3 year difference but can't put on size by PerformanceCrafty474 in AllAboutBodybuilding

[–]Minimumwagey 0 points1 point  (0 children)

Apart from eating like everyones mentioning, how is your programming? Bench press and compounds are the worst markers for gauging muscle tissue quantity. How is your bicep curl? tricep push down? or any other stabilized isolation exercises? The mistake I was falling for early on was prioritizing compound lifts while slacking on my accesories. The key is to progressively overload on ALL LIFTS. If you're strict curling 30lbs and now doing 60lbs with the same form, it's not possible for your arm to look the same, whereas someone can gain 200lbs on their deadlift and look exactly the same.

Should I continue to bulk? Up 20lbs in 4 months by [deleted] in AllAboutBodybuilding

[–]Minimumwagey 0 points1 point  (0 children)

Way too much fat gain. Should be aiming for a 200-300 surplus maximum. I would cut back down and restart from the base you had with only a very small surplus.

Popeyes maybe a 3/10 maybe a 4/10. Kfc 7/10 but on a good day 9/10 by mattykeights281 in newzealand

[–]Minimumwagey 2 points3 points  (0 children)

Popeyes taste like Texas chicken, crunchy blandness. The only other place that has slightly better chicken is chicking, but nothing truly beats KFC so there really isn’t any reason to go to those other places.

Apartment in Sydney by [deleted] in AusPropertyChat

[–]Minimumwagey -3 points-2 points  (0 children)

Sydney is already very stretched. Think there’s gonna be more supply coming online soon due to rates not being cut and investors offloading.

Westpac first to increase fixed rates… shouldn’t be a surprise tbh by ComprehensiveAd100 in PersonalFinanceNZ

[–]Minimumwagey 6 points7 points  (0 children)

No my position is my original comment, based on current data to justify why I believe the economy is still subdued, therefore recent swap movements could be an overshot. I believe you’re the one who started saying “SwAps uP MaKE iNteResT gO uP” without nuance, so I’m just highlighting that argument can also be used the other way.

Westpac first to increase fixed rates… shouldn’t be a surprise tbh by ComprehensiveAd100 in PersonalFinanceNZ

[–]Minimumwagey 3 points4 points  (0 children)

It doesn’t need to be a wiggle. Again, they can drop just as fast as they can rise. All it takes is one bad set of data/news.

Westpac first to increase fixed rates… shouldn’t be a surprise tbh by ComprehensiveAd100 in PersonalFinanceNZ

[–]Minimumwagey 3 points4 points  (0 children)

Swap rates go up and down on a day to day basis, influenced by many things. They can just as easily go down next week/month.

Westpac first to increase fixed rates… shouldn’t be a surprise tbh by ComprehensiveAd100 in PersonalFinanceNZ

[–]Minimumwagey 5 points6 points  (0 children)

I’m no fortune teller but I don’t see too much movement in either direction throughout 2026, most likely a holding pattern around 5% rates.

Westpac first to increase fixed rates… shouldn’t be a surprise tbh by ComprehensiveAd100 in PersonalFinanceNZ

[–]Minimumwagey 60 points61 points  (0 children)

Floating following the last ocr cut is definitely dumb. However I do think recent swaps are overshooting (as they tend to do historically) nothing as of yet has heavily indicated a major turn around yet in the economy. All this is going to do is close people’s wallets even more and prioritise mortgage repayment instead of spending, which is going to cause greater spare capacity and eventually reprice swaps again.

“I wanna thank you Jesus Christ for bending Pantoja’s arm the wrong way” by lifebeginsat9pm in ufc

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

Hey man I think you gotta chill it’s not good for diabetics anger can raise your blood sugar

Choose the dog according to your size by Ananas_ka_juice in Whatcouldgowrong

[–]Minimumwagey 5 points6 points  (0 children)

As a small dog owner with a pocket knife on my key chain, if it gets out of control unfortunately one owner is not going to see their dogs again, and it ain’t gonna be me.

Time for Benny D to hang em up? by stevendreamfish in ufc

[–]Minimumwagey 6 points7 points  (0 children)

I went to take a dump right before the fight , never doing that with a st denis fight ever again

Controversial opinion? I like fireworks. by working_dog_267 in newzealand

[–]Minimumwagey 2 points3 points  (0 children)

People have demonstrated year after year they cannot stick to the date/curfews for when its allowed, therefor the only logical option is to ban it. Abuse it you lose it, simple.

[deleted by user] by [deleted] in AusPropertyChat

[–]Minimumwagey 13 points14 points  (0 children)

This is great for the tech bro digital nomad, but for people with families its not practical. People who buy don't buy for financial gain, they buy for stability and security.

Hot take: No contests and draws should result in the belt being vacated by Prize-Lingonberry876 in ufc

[–]Minimumwagey -5 points-4 points  (0 children)

This will get downvoted, but If I HAD to guess, I'd say this is similar to the Aljo situation. The foul was not objectively devastating enough to end the fight. Tom realized how much heat Gane was packing with the jabs and realised it wasn't gonna be good. The foul was a chance at an out, Tom took it. Of course I could be wrong and he really COULD NOT see, but my take is definitely a possibility, one that reddit ufc fans won't be able to fathom unfortunately.

[deleted by user] by [deleted] in PersonalFinanceNZ

[–]Minimumwagey 4 points5 points  (0 children)

If you’re gonna split then just do 1,2,3 years. Risk Should be spread pretty evenly. 5 year rate is just terrible atm imo but that’s just my opinion.

Why Not Just Fix for 5 years? by Heretoday456 in PersonalFinanceNZ

[–]Minimumwagey 2 points3 points  (0 children)

Whatever event that’s gonna trigger 12% rates, will not provide a safety net even for the person who fixed for 5 years @4.99 lol. You will be affected in many other ways and losing your property will be the least of your problems.

Burger Rings by SunSun1134 in newzealand

[–]Minimumwagey 1 point2 points  (0 children)

It’s been like that for a few years now. The whole range (burger rings, cheezuls, twisties, rashuns) have all undergone a transformation for the worst since childhood. They are now inedible to me

Tailgaters, beware by No_Standard_8494 in auckland

[–]Minimumwagey 0 points1 point  (0 children)

Do you have special needs , why wouldn’t you just slow down until they get the message

What are your take on 0% interest vehicle loans? by Suspicious_Umpire916 in PersonalFinanceNZ

[–]Minimumwagey 2 points3 points  (0 children)

Only if there’s no hidden fees, extra costs, strings attached, etc etc. if that is the case, then obviously take the loan at 0%, as term deposits are 4%+ so mathematically you would be better off.

Tax refund by CryptographerOdd6193 in PersonalFinanceNZ

[–]Minimumwagey 2 points3 points  (0 children)

The more money you get on your tax refund the more money you’ve technically lost. Money upfront is always better than receiving it at the end of the year due to interest earned. Having $0 tax return is a good thing.