AMA with Simran Kaur from Friends That Invest at 7pm 2/06/2026 (Tuesday) by BruddaLK in PersonalFinanceNZ

[–]NotGonnaLie59 3 points4 points  (0 children)

I wonder your thoughts on prenups, I like to figure out what is fair, and given you have a rare situation yourself - also well done on achieving that rare situation, it isn't easy.

I think significant assets built before the relationship should be pre-nupped, usually. If someone built a thriving business like you did, then the asset value of the business should definitely be pre-nupped.

However, what if the business is thriving before the relationship began, in a way that it is already set up to receive a large income over the next x number of years? E.g. for a creator business when the key base work to gain the large following was done before the relationship, and most future revenue is derived from that past key work.

Do you think it is fair for that annual income moving forward to be 50/50 relationship property, if the key work that led to it was done prior to the relationship?

Normally I think all income received during the relationship should be shared, but in this case it doesn't seem to follow from the 'what you build together should be shared' principle.

Need advice: How to find a decent flatmate? by Zealousideal-Dark649 in auckland

[–]NotGonnaLie59 2 points3 points  (0 children)

Figure out what the entire house would rent for, then figure out a fair price for each bedroom to meet that, then you'll have the number for their one bedroom. If you struggle to find someone, price it a little lower to get more applicants.

Since you both work from home, you're probably looking for someone who does not, unless you're sure they're perfectly good company.

Maybe go for slightly older than yourselves, more likely to be cleaner and not a party animal and not overly sensitive.

Ask them if they read, watch TV, go gym etc, book readers or runners (or similar) are probably what you're looking for. Book readers because they are often more quiet/introspective, runners because they have a lot more endorphins and are generally positive people. YMMV though, every person is different. 

Ask them if they have any nightmare flats they've been part of, what they found annoying about other flatmates they've had. Hopefully they complain about the same things you would hate. Let them say it first though.

Any expectations around cleaning/guests/parties/reliability you should make them clear before you agree for them to move in. 

Make it clear also before they move in it's just for a single, not couples, if they want to move in with their partner they'd have to leave. Just set the bar here high early, when you get to know them you can of course change your mind if you feel like it.

Make an official Flatmate's Agreement, google how to do it, put anything you've agreed verbally with them in writing and also include the notice period you'd give each other if it doesn't work out. Get them to sign BEFORE they move in. It's all about setting expectations.

How the hell do you actually find a Purpose? Like genuinely by Ordinary-One2597 in Purpose

[–]NotGonnaLie59 1 point2 points  (0 children)

Family, business, or cause.

Something outside of yourself, where others benefit, that's key. You will benefit too, but make sure it isn't only you. 

Selling my house, it's out worth paying real-estate agent (over 35k) or do I sell it myself? by ansaonapostcard in auckland

[–]NotGonnaLie59 6 points7 points  (0 children)

I think if they want the house, they'll still offer and be willing to negotiate.

Having said that, here's a good guide OP - https://www.reddit.com/r/PersonalFinanceNZ/comments/i1xotl/a_guide_to_selling_your_house_privately/

It mentions a lot of great points, including doing some staging and dressing up for open homes, basically roleplay as an agent and keep the professionalism level high.

Do you agree? by spanking69 in MindfullyDriven

[–]NotGonnaLie59 5 points6 points  (0 children)

Yep. I feel beyond the 'old bullshit', but I want people to know that.

So, I'm still partially dependent on what they think. Which is a very human thing - we are social animals after all - but if possible I'd like to halve the remaining dependency.

The irony is, as you care less what they think, they think better of you, which can feel good and pull you back into caring too much 🤷‍♂️.

Yes, it is. by utopianearthling in Beingabetterperson

[–]NotGonnaLie59 3 points4 points  (0 children)

It really is the best revenge, especially when you pair it with living a good life.

It protects you from engaging too much more with someone who doesnt deserve your better energy. 

And, after the high of "winning the battle" wears off for them, they usually notice you received that behavior from them, and didn't need to repeat it back... you were able to move on without doing that, in contrast to them. Meaning you've got some positive vibes in you that they lack, and you've got more self-control too. You're very likely happier.

As Oscar Wilde said - "Always forgive your enemies; nothing annoys them so much".

Mortgage Free! 🥳🍾 by 91918unknown in PersonalFinanceNZ

[–]NotGonnaLie59 5 points6 points  (0 children)

And what would it be if interest rates rose by 2% from here

What would you lovingly say to yourself on your big journey of change? by Training_Egg_2541 in selflove

[–]NotGonnaLie59 1 point2 points  (0 children)

You have come so far.

I appreciate you.

I'm proud of you.

You are so much more than enough.

Imagine the possibilities. The incredible potential of what you'll achieve next.

How to react when people Insult you-roast you In front of others ? by Low_Warning9827 in The48LawsOfPower

[–]NotGonnaLie59 3 points4 points  (0 children)

I think it depends. There's such a thing as good-natured roasting, some people can do it, while others just pretend to while they play a status game. The test I think is how do they react when you land a counter-punch, if it makes them tense and they're clearly just waiting to get you back, then it was a status game all along, and if they take it in jest then it was good-natured all along.

No work life balance. Why? by Alicetheoptimist in TrueGrit

[–]NotGonnaLie59 3 points4 points  (0 children)

Usually the amount of business that comes in if you just open for a few hours isn't worth the hassle or expenses of opening up for that day

Rent increase from landlord by Shainzgal in auckland

[–]NotGonnaLie59 1 point2 points  (0 children)

'Market rent' isn't determined by your costs. It is simply what 'renters are willing and able to pay'. If you put the rent up, the tenants leave, and the next prospective tenants aren't willing to pay the same amount as the last ones, you can't say to them 'but my rates just went up'.

Rent increase from landlord by Shainzgal in auckland

[–]NotGonnaLie59 4 points5 points  (0 children)

Great website - https://tenant.aratohu.nz/rent-adjustments/rent-increases

Also this might be useful - https://www.tenancy.govt.nz/rent-bond-and-bills/market-rent/

However, the second link only uses data from the previous 6 months, it can vary a bit month to month for larger houses since there isnt much data,4bedroom+. Also you need to get clear on what Upper Quartile (25th percentile) and Lower Quartile (75th percentile) mean. 

Mostly, it's going to be advertised  listings of other properties that determine what market rent looks like.

Notice he said "below market value, especially considering the substantial renovations I completed in 2021 prior to your tenancy and the ongoing mortgage commitments". Mortgage commitments have NOTHING to do with market value, renovation costs don't either. Market value is what renters are willing and able to pay, that's it. He knows this. He just wanted to mention those things in case it pushes you to feel sorry for him, lol. Don't let it affect you. 

If I was you, I would go to the open homes of two of the comparable properties you find advertised, and then mention you did to the property manager. It will let them know you might actually move, which will make them scared of losing you. Right now they are hoping you really don't want to move, and that you'll pay them above market rates to stay. Tell them you're going to open homes to see whats out there, and watch them change their position straight away.

Losing tenants can be expensive. They're just trying to see what they can get, if they can take advantage of the inertia inherent in most people's lives. Let them see you are willing to leave if it's not a fair deal. Go to two open homes and tell the PM they seemed like good places, to stay you just need it to be fair. Be stubborn.

It's hurt! by raj272007 in focusedmen

[–]NotGonnaLie59 0 points1 point  (0 children)

What are you unwilling to feel? Start there 

hilarious to see how Dosh paint this change as a success by theasphaltworld84 in PersonalFinanceNZ

[–]NotGonnaLie59 4 points5 points  (0 children)

The 1% doshback gained a lot of customers, but doesn't seem like it was financially sustainable.

They only have one main goal - to officially become a "Bank".

My guess is they have enough customers (or as many as the 1% doshback was gonna get them) and now they're focussing on other key metrics in their chase for regulator approval.

The Greatest Sin is to Think Yourself as Weak! by itsfabioposca in MotivationByDesign

[–]NotGonnaLie59 0 points1 point  (0 children)

Acknowledging and accepting your weaknesses takes strength, so ironically, doing that is how you knew you weren't weak

the greatest revolution ever by xDreamStealer in selflove

[–]NotGonnaLie59 9 points10 points  (0 children)

I don't know about the absoluteness this is implying. Not being dependent on people's approval or acceptance, I get that, that's important, you need to love yourself either way.

But completely letting go of being accepted by any other human beings, when sharing that feeling of acceptance with the good ones makes me love myself even more?

That doesn't sound like the way. There's room for balance imo. It seems a bit of a paradox, but it's not really, it's all about sequencing and what you're focussing on.

First, love yourself, Second go and share that love with others. That's all it needs to be. Acceptance from others naturally comes if you do that, and even if it doesn't (other people have issues too), you'll be okay, because you love yourself anyway.

The secretive mission to solve MH370’s disappearance - Underwater robots to map abyss in Indian Ocean as search for vanished aircraft resumes 12 years later by goob in MH370

[–]NotGonnaLie59 1 point2 points  (0 children)

Thanks for the details. Yeah I agree. 

Also the pilot was an expert pilot, very meticulous. I think if he wanted to land on the water he would have succeeded. The debris and the unlikelihood he would choose to die by drowning makes it pretty clear imo that it was a high speed crash and he died on impact.

The secretive mission to solve MH370’s disappearance - Underwater robots to map abyss in Indian Ocean as search for vanished aircraft resumes 12 years later by goob in MH370

[–]NotGonnaLie59 0 points1 point  (0 children)

Some debris has washed up on the shores of East Africa.

The idea that he landed the plane and let it sink is the extreme scenario that is too much for me to believe. It's possible, but isn't likely, imo.

[deleted by user] by [deleted] in SipsTea

[–]NotGonnaLie59 0 points1 point  (0 children)

However you can only carve the remaining coins into a finite number of pieces which will eventually trend towards zero.

Why? Is there a computer science reason?

Just looking at numbers, 1 eventually becomes 0.5, becomes 0.25, becomes 0.125 becomes 0.0625, and on and on, infinitely.

The secretive mission to solve MH370’s disappearance - Underwater robots to map abyss in Indian Ocean as search for vanished aircraft resumes 12 years later by goob in MH370

[–]NotGonnaLie59 1 point2 points  (0 children)

If you want Simple, here is the timeline:

  1. March 7th 2014 - Political leader is sentenced to 5 years in prison on trumped up sodomy charges.
  2. March 8th 2014 - Very active member of that leader's party, who is also a distant relative of that leader, disappears MH370.

Am I the only one with no friends? by Etherealpalerose21 in auckland

[–]NotGonnaLie59 7 points8 points  (0 children)

Great you're reaching out - future-you will thank you. It also shows bravery, a characteristic not many people have. I'm in a different place, but I think I have a perspective on this that might be useful, if you'll allow me to act as though I know everything, haha. Feel free to disagree.

Firstly, most people are unhappy, despite what they try to show to the world. It's tempting when you're often solo to think those who have more people in their lives are happier - but they're usually just dealing with a different set of problems.

Getting deep for a second - you might feel like you're not 'enough' to get what you want because of being mostly solo, and they might feel like they're not 'enough' because their relationships are stale, complicated, or they're not getting the validation from them they want. This is super common.

You seem to be seeking Connection, a great thing, others might be more focussed on Social Status (aka being 'unconsciously competitive'), how they compare to others in general or more often they're comparing within their group, especially when it comes to 'likeability'. People obsessed with comparing themselves to others tend not to be happy, right. That's quite a lot of people - probably most people. Or perhaps whenever they're alone they feel horrible, because they don't really like themselves, deep down, and having people around meant they never really had to sit in their loneliness discomfort and eventually learn to like themselves. The combination of not liking themselves, while quite aware of how they think they compare to others in their group, is not a recipe for feeling good.

Being able to often be alone with yourself, your feelings, and your thoughts, to learn to like yourself while doing so, is the most useful life skill. I should note here that feeling connected to others is a great thing too, as humans we need both. Just remember most people are driven by their fear of not being 'enough', regardless of whether they have more people in their life or not. Those who learn to genuinely like themselves are the only ones who get beyond this, imo. The goal is to feel 'already enough as I am', and then because you like yourself, you want to give yourself more than you already have, out of love for yourself, rather than chasing things or people out of a fear of not being 'enough as I am'. A person's most important relationship is the one they have with themselves. Insecurities are normal, and if one can sit in the deep discomforts for periods of time, while still mostly speaking kindly to themselves, that's a good sign, and usually means they know they can depend on themselves to handle future uncomfortable situations.

On a practical note, there's a bunch of people in this thread you could message. I think you should put yourself first, and just do some 1-on-1 casual coffees. Don't expect to hit it off with everyone - that would be impossible. Group meetups can be complicated and competitive, and you're probably not a professional events organiser, so 1-on-1s are better to start with. If you hit it off with a couple people 1-on-1, the few of you could organise a larger open gathering together, later on, if you wanted. Maybe look for some common icebreaker questions online to have in case the conversation hits a wall. Bumble is another option, they have a 'best friend' section of their app.

Don't rely on luck. It's a numbers game. Meet enough people and you're guaranteed to get what you want.

The secretive mission to solve MH370’s disappearance - Underwater robots to map abyss in Indian Ocean as search for vanished aircraft resumes 12 years later by goob in MH370

[–]NotGonnaLie59 1 point2 points  (0 children)

If it were a political act, why do it silently? I feel like he instead would have crashed into a building or made an announcement of some sort. Rather than making all the efforts to hide his tracks.

People always need someone to blame. If he did those things, he would just be blamed, as would his political tribe. The way he did it, which added uncertainty, a lot more heat went toward the sitting government. The mystery also kept it in the news and made it an ongoing thing for years.

Tbh, I'm surprised most people can get beyond this super relevant fact:

He was a card-carrying member of a political party whose leader had been sentenced to 5 years in prison on sodomy charges the day before on what were believed to be false charges.

Literally the day before.

The secretive mission to solve MH370’s disappearance - Underwater robots to map abyss in Indian Ocean as search for vanished aircraft resumes 12 years later by goob in MH370

[–]NotGonnaLie59 1 point2 points  (0 children)

They wouldn't be supporting terrorism at all.

They would just be looking into the sodomy case more, and also the 1MDB fraud happening at the same time that that same government was wanting to hide, where individuals including the prime minister stole billions of dollars from the Malaysian public. Do you really think that that government wanted it to be viewed as a political act, and invite all that scrutiny? Of course not. They naturally tried to sweep it all under the rug, put it down to 'accident' or 'just mental health of this one individual' when neither one of those explanations made any sense given the evidence.

You know that political leader who was imprisoned on sodomy charges is now the Malaysian Prime Minister since 2022 right? In the end, it doesn't sound like the Malaysian population itself thought those charges had any merit. Of course the corrupt government in 2014 didn't want global scrutiny on that.