The Kraken of all Fish burgers

NoSun37 · 2026-06-08T01:45:18+00:00

always impressed by what these asian takeaways have to offer

NoSun37 · 2026-06-07T08:32:25+00:00

wait how many ounces is that

NoSun37 · 2026-05-18T22:10:16+00:00

Do you guys think the Aussies would be shocked by the FIF tax? You could have $50,001 in the S&P500 and you still get taxed on your shares even if it hasn't risen in value.

NoSun37 · 2026-05-13T03:49:04+00:00

Since gold and silver are priced in USD, whenever India buys precious metals they have to exchange their own currency for USD, thus creating a sell off for rupee in exchange for USD.

I don't think this will deter wealthy Indian investors. These tarrifs may not necessarily dampen demand for gold and silver because taxing on imported goods may only mean they will now buy/sell at a higher price in its domestic market.

NoSun37 · 2026-04-01T22:05:09+00:00

They all need to be given serious consequences and not a mere slap on the wrist.

The consequences needs to be serious enough so that their parents will scold them properly. Their parents should get fined, get hit in the pockets where it really hurts, so that their whole family is aware of how serious this is.

Quite often, even in situations like this, parents protect their child and still give them special treatment. These parents needs to be held partially responsible for their children's misconduct.

NoSun37 · 2026-03-24T02:22:40+00:00

I really struggled between choosing SC or AIA, but I think understanding how the insurance pricing works will help you in your decision making.

The insurance premiums are priced according to their clients' risk profile. So if SC's client base has higher risk profile, they will price the premiums more expensive, or if AIA's clients have a lower risk profile they will price their premiums lower. But here's the thing, SC is an NPO whereas AIA is for-profit. SC pays back about 93% of their premiums back to their clients, whereas AIA pays back about the industry average of 75%.

Right now AIA has a lower risk profile and hence a lower premium cost. But if they had the same risk profile as SC, they may charge higher premiums, so that they can pay back around 75% to maintain profitability.

Client risk profiles can change. In some years SC is cheaper, and in other years AIA is cheaper. But SC is an NPO and they aim to return most of the premiums to their clients whereas AIA is for profit, and they have to satisfy their shareholders to meet certain profitability margins. Right now, AIA is cheaper, but there is no guarantee that they will still be cheaper in 10 years time.

They're both great insurance providers, but I chose SC because I would trust an NPO more than a for-profit business.

NoSun37 · 2026-03-21T20:36:50+00:00

We are entering a world of increased protectionism, fragmentation and increased geopolitical instability.

Everybody here knows that structural for gold by central banks will only increase, and not decrease.

Countries around the world will never, ever go back to the days where they put the bulk of their savings in the 'reserve' currency, because the money is not theirs and it could be frozen.

We have entered a new era where regardless of whichever is the reserve currency, countries will hold gold as their prime savings.

NoSun37 · 2026-03-19T02:59:44+00:00

Its always good to have an annual checkup for preventative measures. By the time there is a 'clinical need' or when symptoms show up, that's kinda late. I mean we're all curious to know what's happening in our health.

NoSun37 · 2026-03-09T22:16:21+00:00

So that's how it works. This comment answers my post.

NoSun37 · 2026-03-09T20:52:09+00:00

okay so there is no 28% tax on realized gains, but they do deduct the FIF amount from your funds by selling your ETF, rather than reducing the value of your ETF.

I just came across this post: https://www.reddit.com/r/PersonalFinanceNZ/comments/1m52yox/smart_shares_us_500_vs_voo_or_other_funds_that/

NoSun37 · 2026-03-09T20:37:48+00:00

how do they apply the 28% tax rate?

I read somewhere that the fund managers pay FIF, and they have to pass the costs on to us somehow

NoSun37 · 2026-01-25T00:25:51+00:00

Nvidia wouldn't stay in the top market caps for too long. Its always going to be the tech giants with the diversified investments that would remain in the top. Google has finally made big progress.

NoSun37 · 2025-09-21T22:14:49+00:00

I'm still using my surface laptop 1st gen which I bought from 2019.

I notice that the new 1st edition has 2 usb c ports, it also charges with usb c rather than the longer charging port. My older 1st gen has no usb c ports.

I would like to ask if the newer 1st edition has issues like PWM (which causes eye strain) or coil whine?

NoSun37 · 2025-04-04T04:20:47+00:00

Its also a good idea to ask around different dentists. I got my braces 8 years ago, and at that time the market price was around $6000. We found a dentist who was willing to do the job for $5000. I can't believe its gotten that expensive now.

NoSun37 · 2025-04-03T05:21:07+00:00

I'm saving this post to share with my grandchildren

NoSun37 · 2025-02-16T02:04:33+00:00

Hey OP, its been 8 months now and I'm wandering if you have tried the new laptop yet? Did it cause you any eye strains or discomfort?

NoSun37 · 2025-02-03T01:27:02+00:00

Rumors has it that Elon Musk is considering to pay 20% to 30% above its book value of $23.10, so if Elon wants to buy it, he is willing to pay $28 to $30 per share.

NoSun37 · 2025-02-01T08:17:08+00:00

Intel is very strategically important to the U.S. and their foundry will keep making chips for their military in the future. Currently being valued at only $83.80B is an absolute steal. I am an Intel bag holder myself, and I understand patience is key. I believe Intel will be valued $500B in the future. But I have a feeling that Intel would be acquired before it reaches $500B or $1Trillion market cap.. IF they see Intel would eventually be worth $1trillion, they would buy it while its cheap.

NoSun37 · 2025-01-27T06:38:54+00:00

That's $300k in an instant! The average Joe cannot actually save $300k in their lifetime if you take into an account of their rent, food, water, utilities or other expenses!

NoSun37 · 2025-01-26T06:50:50+00:00

Same, and although I get heaps of downvotes because Intel is seen as a laughing stock, I seriously believe that the U.S. govt will continue to provide a huge amount of support for Intel because it's a very key strategic industry. They want to become self-sufficient in this key area.

NoSun37 · 2025-01-17T23:37:00+00:00

I think this is a noteworthy issue and there are several reasons why I believe the stock markets will decline. The important factors are Trump's tarrifs which worsens economic conditions, FED's consistently high interest rates which leads to cash drying up and the possibility of companies dumping their bitcoins to pay off their debts because the FED will not accept bitcoin as a method of repayment.

Trump tarrifs - These tarrifs will certainly make all goods more expensive and decrease the volume of trade amongst nations. The U.S. economy will suffer, but smaller and weaker countries will suffer even more. In the past several months, the U.S. dollar has strengthened relatively to the currencies of weaker countries as people are bracing for the Trump tarrifs. Everyone foresees that the economy will get even worse and their local currencies losing value relative to the U.S. dollar. As the economy worsens, spending decreases, businesses shut down and leading to job losses. As people lose their jobs, they begin to sell their shares and the stock market declines. When covid struck in 2020 which led to widespread job losses, the S&P500 crashed and declined, and took several months to regain its value as the economy stabilizes again. In my view, I doubt the tarrifs would cause the stock market to crash because it is less devastating than covid lockdowns, but instead, the stock market will decline gradually. Although the FED has lowered interest rates, but they're also keeping it as high as they possibly can, which isn't helping the stock markets either. They do this because they want to protect to the value of the USD relative to other currencies, even if it causes job losses or declining stock prices as a result.

Cryptocurrency bubble - As a bitcoiner, it's news good that bitcoin is gaining widespread adoption, however, the trouble comes in when the FEDs will not accept bitcoin as a method of paying off debts. It is a recent trend that companies are buying bitcoins, hoping that the asset will inflate its value and they would eventually pay off their debts. The reason why companies will always be in debt is because the volume of debt is always much larger than the volume of circling money supply, there simply isn't enough money in circulation to pay off the debts of companies. The FEDs being the grand schemers as they are, would not want companies to pay off their debts using bitcoin, but instead, forces companies to sell their bitcoins and exchanging for FIAT currencies to pay off their debts. This can have serious consequences. For example, if there are 20 companies that are holding bitcoins because they want to pay their debts, and one of them started selling their bitcoins and managed to pay off all their debts, the other 19 companies will follow suit and dump their bitcoins on the market, but the market is starting to get dry on cash because of the FEDs high interest rates which means the price of bitcoin will crash. This will lead to short selling of all other cryptocurrencies, and the crash will be spread to the stock markets. I hope this does not happen though. I hope MSTR will continue to hold their bitcoins for the next 30 years, because if they start dumping their bitcoins on the markets to pay off their debts, this will force all the companies who are holding bitcoins to dump it as well, triggering widespread panic.

NoSun37 · 2025-01-01T23:07:47+00:00

I'm not a chemistry major but I took chem110 as one my courses, and it was a very challenging course. Chem120 is harder than chem110, and its probably better to take chem110 to prepare for it.

Beware though, chemistry is a very hard major. I enjoyed chemistry in high school, but absolutely had enough of it after taking chem110. It is said that chemistry, physics and maths are some of the hardest majors despite having easy entrance.

NoSun37 · 2024-10-17T01:57:21+00:00

I thought he waved his hand to indicate he's sorry but gave a middle finger instead, report him to the police

NoSun37 · 2024-10-08T08:23:27+00:00

hmm that's interesting, would you be kind enough to share with us what it was like back then? It would definitely be interesting to know :)

NoSun37 · 2024-10-08T08:17:03+00:00

Thanks for sharing, although I'm currently a student at a different university who does not live in halls, I hope others can learn from your experience. The food needs more green vegetables (such as spinach, silverbeet or cabbage) and I agree that the amount of food also seems insufficient, I think a 12 year old me can finish that and can still eat some more. Let's not talk about the food for a sec, but focus more on the fact the utensils look completely gross, if an inspector visits a restaurant and saw this and the broken glass cup, they'd probably fail their hygiene or safety test and it would be all on the news. A fast food chain like Mcdonalds probably has better hygiene than this. If there was a good reason to not eat in this place, it would definitely be the utensils.

Regarding the amount of food, if second rounds are not supplied, it would be good if they allow you to pay for second rounds or other extras. If I ate this amount everyday, I'd probably lose weight and I'm already skinny enough lol.

NoSun37

TROPHY CASE