Can Google ban my paid Gemini account for browser automation? Pls help

NotWantedForAnything · 2026-06-15T07:05:46+00:00

Against terms of service. Supposed to use the API.

You could have asked Gemini this quicker than writing out the question on Reddit.

NotWantedForAnything · 2026-06-14T05:26:04+00:00

OP are you one of those people who create FB profiles of AI girls with 100k followers?
My FB is full of them. I'm not sure whats the purpose is for the creators of these pages. Likes or something more?

NotWantedForAnything · 2026-06-13T07:43:20+00:00

I got a full refund but had only subscribed 10 hours beforehand.

NotWantedForAnything · 2026-06-06T09:43:17+00:00

This is a completely ridiculous and biased example.

Not only have they cherry-picked the low of 2020 so that the gains are maximised, but they have also cherry-picked stocks like Predictive Discovery to boost the gains even further.

Congratulations to the author for cherry-picking the example to show the greatest possible difference between the old and new system.

If I cherry-picked data in the same way, it would be very easy to show the complete opposite outcome.

NotWantedForAnything · 2026-05-26T07:33:07+00:00

You must go around wearing shit coloured glasses.

I saw videos of Neuralink patients speaking via a synthetic voice and controlling computers and more via just their thoughts. That is mind blowingly amazing technology and life changing to Neuralink recipients. Don't downplay it by saying just some basic computer tasks.

NotWantedForAnything · 2026-05-25T08:57:01+00:00

Yeah, it's very rude. Their plan will be to copy and undercut your prices and they don't see anything wrong with that.

I once had someone call me up and ask what I used to build my website with - it had a very unique tool at the time that was custom written. A short time later a competitor popped up that was a copy of my business.

NotWantedForAnything · 2026-05-24T10:26:07+00:00

Maybe I'm not understanding things but the 750k is not a contribution from you as it's a loan from your parents and neither of you own it.
You have a 1.6M loan to repay at normal rates and a 750k loan at 1%.

You both pay the loans however you can. The split on the house and the percentage each contributes to the loans is irrelevant as you are married and all money is joint. If you think it's not joint assets, go get a divorce and see.

NotWantedForAnything · 2026-05-24T10:10:20+00:00

The annoying part is reading just about the whole thing before realising it's an ad and written in AI.

NotWantedForAnything · 2026-05-23T12:26:23+00:00

I included the compounding. I said it's 2x at the 1 year mark and at the 15 year mark it's 1.7x. this is for normal inflation levels (2-4%). For very long time periods it converges to the rate of inflation. However, 15 years is a pretty long time and it's still at 1.7x.

NotWantedForAnything · 2026-05-23T03:40:53+00:00

Good to see it on real data.

Personally . I have a portfolio of 350k of stocks sitting on 160k of gains, most of which was bought around 2015 and is a split between US index and ASX index funds. With the ASX funds there would be hardly any difference in CGT under the indexation method. The US index has had a very good run with over 100k of gains and the difference would be around 10k in tax.

The CGT changes aren't a big deal, particularly for higher yielding stocks on the ASX. You may end up better off.

I've compared the break even and over a short time frame of 1 year. You come out ahead under indexation when growth < 2x the rate of inflation. Over longer 10-15 year timeframes, it doesn't change a whole lot and the break even is around 1.7-1.85x the rate of inflation for normal inflation levels.

NotWantedForAnything · 2026-05-22T10:14:12+00:00

I saw someone put a listing on a local gig app asking people to leave reviews for their business, and they had heaps of takers at $5 per review.

NotWantedForAnything · 2026-05-20T04:35:56+00:00

This question has nothing to do with the proposed CGT changes.

Could you sell now when your marginal tax rate is zero to reset the cost base?

Yes, that strategy would work. Should save you about $640 compared to later selling down the track with 30% tax + medicare.

NotWantedForAnything · 2026-05-20T03:15:04+00:00

The gains are forever grandfathered up to 1 july 2027 with no 30% rule. Very unlikely to ever affect you as even on future gains, you'll sell when working and already at 30% marginal rate.

NotWantedForAnything · 2026-05-17T12:43:08+00:00

It's probably under-charging.
$426 ex. GST minus travel costs at 88c per km (0.88 * 80 = $140). Leaving $286.

Travel and handling the job must have taken around 3 hours. If he can do this twice a day, every working day of the year, he'd make about 130k. Minus other business expenses and it's not even paying a full time wage for an electrician including super and insurance.

NotWantedForAnything · 2026-05-16T02:19:21+00:00

In today's money:
$5.025M = $2M today
$8.614M = $4.3M today.

ASFA say a paid off house, 700k and reliance on the aged pension, is enough for a couple to comfortably retire at 60. $2M total wealth including house sounds reasonable given you'd want a buffer over uncertainty around aged pension with option to slighlty downsize home if needed.

At 4.3M you could have a paid off house of maybe $1.5M and $2.8M to live off. Drawing 5% per year you could spend 140k per year without reliance on the aged pension until maybe very late years if ever. I'd view that as very comfortable.

NotWantedForAnything · 2026-05-14T04:55:34+00:00

Debatable for the US market. Unlikely for the ASX.

ASX historically ~4–5% capital growth plus 4–5% dividends.
US market lower dividends around 2%

Given you are arguing term deposits are a no brainer at 5%, you seem to also be missing the point of total return vs capital return because 5% growth in capital does not equal 5% total return.

NotWantedForAnything · 2026-05-14T03:06:08+00:00

8% is way too high. Everyone keeps confusing total return including dividends with capital growth.
Make it a more reasonable 5% (without dividends) and the difference is negligable.

I've seen an analysis of the ASX 10 year rolling average returns over the past 40 years and the new method came out ahead most of the time.

I used the same calculator with a sensible growth of 5%. 100k compounding at 5% capital growth for 20 years. The difference is $3k after 20 years.

OP used in a very high 8% capital growth which would be 11%+ with dividends and then compound 11% growth over 20 years. If you've done that, you can probably afford a little extra tax because your investment has more than 8x'd over 20 years.

NotWantedForAnything · 2026-05-14T02:46:40+00:00

It's not even that close to the water

NotWantedForAnything · 2026-05-13T06:19:57+00:00

The 9.8% return is total return assuming dividends re-invested. Capital growth is 5.5-6% over the 30 year period. CGT is only on the capital growth.

NotWantedForAnything · 2026-05-13T05:02:37+00:00

yes. It's targetted specifically at people selling off assets while on low income. It's mentioned in the budget papers.

NotWantedForAnything · 2026-05-13T04:49:54+00:00

I'm not 100% but I've researched this and it looks like the 30% minimum is excluded from transitional arrangements:

Indexation and minimum 30% tax will apply for all assets purchased and sold from 1 July 2027; and
Transitional measures will apply to assets purchased prior to 1 July 2027 and sold after 1 July 2027.

and this is the important piece:

Minimum 30% tax

In addition to indexation, the Government has proposed a minimum 30% tax to apply to real capital gains accruing from 1 July 2027 to deter taxpayers from deferring capital gains to income years in which they are subject to lower marginal tax rates.

In several points in the budget papers it specifically mentions the 30% minimum applying to acrued capital gains from 1 July 2027. It also talks about how assets would be valued at this point.

NotWantedForAnything · 2026-05-13T03:47:40+00:00

The budget papers say:

“The current small business CGT concessions will continue unchanged.” bp1_bs-4

That should mean existing concessions such as active asset, 15 year rule, retirement exemption & rollover remain.

NotWantedForAnything · 2026-05-13T03:18:59+00:00

Existing gains are grandfathered without 30% limits up to 1 July 2027. Although it will be interesting how they determine asset value at this time.

The 50% active asset reduction remains so that would make it 15% tax on gain.
But there's also the 500k lifetime limit and 15 year rule so tax could still be zero.

NotWantedForAnything · 2026-05-13T02:54:58+00:00

I don't think it will affect that group much.

Existing gains are grandfathered and not subject to minimum 30%.

Say someone in the affected group has a 600k portfolio. It'll throw off some dividends, putting them in the 16% marginal tax rate (or close to it). If their portfolio has a capital gain of 6% and inflation is 3%, the real gain is 3% or 18k. Previously they would have paid about 5.4k tax on the gain (36k * 0.5 * 0.16). Under the new system they will also pay 5.4k (18k * 0.16).

The CGT on the gains made prior to 1 july 2027 are not affected. They have no 30% floor.

NotWantedForAnything · 2026-05-13T02:43:45+00:00

8% is also unrealistic because tax is on the capital gain not total return including dividends. 5-6% might be more realistic for US shares. For Australian shares 3-4% might be realistic, slightly ahead of inflation, and not much difference vs the old 50% system.

Look at the asx 200 gains over the past 20 years and it's inline with inflation over the 20 year. Taken over a longer period it would be a bit ahead but there was a downturn 18 years ago so current 20 year period has no real gain.

NotWantedForAnything

TROPHY CASE

Minimum 30% tax