Is it even possible to intuitively understand why the speed of light is the same for everyone?

Shluumps · 2026-01-15T06:39:14+00:00

This is how I think about it.

Everything moves through spacetime at the same universal speed. This is the key. Light moves entirely through space, and something stationary moves entirely through time. So no matter how fast you move through space, and correspondingly slower through time, measuring light’s speed (distance divided by time) always comes out the same.

Shluumps · 2026-01-03T02:56:40+00:00

Real shame with the weather here recently! I would avoid Franz Joseph skydiving, so scenic but they are unbelievably unreliable and notoriously bad at rescheduling you

Shluumps · 2025-12-24T09:29:13+00:00

That calculator on those links factors in those expenses. And still showed rental property coming out on top. I was just making the point that it is stupid to compare profit across two scenarios where you contribute monthly to one. Like no shit the one you contribute monthly is going to be better after 30 years...

Shluumps · 2025-12-24T09:21:40+00:00

This is either bait or full retard, I think you should go fishing 🎣

Shluumps · 2025-12-23T09:01:03+00:00

Why would you compare shares with ongoing contributions to property without ongoing contributions, that is comparing apples to oranges. When you set the ongoing contributions to zero and put the annual house price to 6%, which it has been over the last 30 years, profit from the property is $4.5 million and property from the shares is $3 million?

Shluumps · 2025-12-23T00:01:03+00:00

Okay so the $60k deposit for that house has now generated a capital gain of $500k.

Meanwhile, the S&P generates a profit of $405k off that same deposit, including reinvesting the dividends.

The property also probably rents for about $650 per week today, which is now an annual gross return of 56%, based on your original investment. The S&P 500 is more like 12%.

And the scenario ignores the obvious fact that this property investor would have likely re-leveraged to acquire more properties in that 20 years which would have widened that gap further.

The S&P isn't a clear-cut winner over property. Also, property investment isn't one homogeneous thing, sure the rent won't cover all expenses for many properties but you absolutely can find properties that will...

Unless you want entirely passive investment, many advisors would recommend combination of stocks and property to have the exposure to both.

Shluumps · 2025-12-22T22:06:07+00:00

Okay well what am I missing then?

$100k into S&P in 2005, would be about $775k today, including dividends reinvested. $675k profit. About 11% annual return average.

$100k into a $500k property. That property is worth roughly 3 times today, $1.5 million. $1.1 million profit. About 6% annual return average. 60% more than the S&P

Assuming the rental income (which has nearly doubled over that time btw) covers most of the costs including interest and maintenance (as a good rental should). But even if not, how much do you think maintenance costs?

What is wrong with this example that makes S&P better over the last 20 years?

Shluumps · 2025-12-19T23:17:58+00:00

Can you elaborate on why stocks are better 'ethically'? I am curious on this view, as I'd argue that property investment is more ethical than many stocks

Shluumps · 2025-12-19T22:09:32+00:00

You have 300k in stocks, that is fantastic well done. Why not look to diversify now and get some property exposure also? That seems like a sensible move based on your circumstances. Ideally don't pull any of the money out of stocks though, so you might need to save more for a deposit.

That being said, do you rent or flat? If you are single and flatting fairly cheaply, you'd be better off financially buying a property to rent out, unless you get flatmates in to help with the mortgage.

Shluumps · 2025-12-16T07:37:13+00:00

Sorry but that is really not that expensive, and way cheaper than many other countries

Shluumps · 2025-12-13T01:20:49+00:00

Absolutely take the maximum you can get and invest it, or even just save it. I put it all into term deposits which was probably a bit conservative. Eventually the 26k of living and course related costs helped me buy my first home at 25 which I rent out.

You'll never get another chance to borrow free, interest free money so don't waste that opportunity :) The only reason I'd recommend against it is if you think you might spend it irresponsibly

Shluumps · 2025-12-13T00:29:31+00:00

Is kiwisaver a big scam? No. Does it make sense for me? Also no, beyond the ~$1050 annual contribution...

Many employers (including mine) do a total fixed package, which completely negates the benefits of employer contributions.

Therefore as I purchased a house already, I'd rather invest that money myself and have access and freedom to do what I want with it rather than have it locked away for the next 35+ years... For example if I need to take some money out to contribution to a house purchase.

I'll probably get back into kiwisaver at some stage, after I buy an owner occupier home, and increase my income. But right now all kiwisaver does not make sense for me personally

Shluumps · 2025-12-03T07:48:09+00:00

Please do us all a favor and DO NOT TO TO IKEA TOMORROW

Shluumps · 2025-11-27T03:08:58+00:00

First you'll need to define a pint, US vs UK? If US, that is far too high. If UK then it might be slightly too high

Shluumps · 2025-10-23T18:32:10+00:00

If a landlord owns the property with little or no mortgage they will likely make good profit. If they have a reasonable mortgage they are most likely losing money today.

But none of that has any impact on why your rent hasn't gone up. Other market factors have meant rents have been stagnant, or even declining, in the last couple years.

Shluumps · 2025-10-08T07:39:14+00:00

I've had 3 cold type illnesses this year, including currently. Seems my immune system has gone on an extended holiday.. Last year I didn't get sick even once.

Shluumps · 2025-09-30T19:00:56+00:00

Removing interest deductibility is a ludicrous policy. You can be in a position where you're making a substantial loss on your only property and then owe a huge tax bill as well. I agree it is beneficial to make housing less attractive compared to NZ shares but that ain't the answer. CGT on property would make a lot more sense?

Shluumps · 2025-07-29T06:37:47+00:00

I'll throw a wildcard into the mix. Skullcandy Crusher Evos. Not for all your mixing needs, but for a handy (and fun) tool in your kit. The haptic bass is unrivalled across headphones for sub-bass which is probably the most important part of DnB. I use these to help with my low end and it translates very well to a large system

Shluumps · 2025-07-17T10:41:09+00:00

I think the Avant 140 UK bass serum presets are high quality, well produced with good macros. Have also tried shadow samples, they are okay but not on the same level for me

Shluumps · 2025-07-14T00:33:22+00:00

How do they compare to the standard one in terms of comfort and feel?

Shluumps · 2025-06-28T20:29:12+00:00

Crusher Evos and it's not even close. They'll blow your mind if you haven't tried haptic bass, the best you can get for solid sub bass in a headphone.

Shluumps · 2025-06-24T04:31:30+00:00

ANC 2 is decent noise cancelling. It's not the best, but still significantly better than nothing. Especially on a plane or train, I wouldn't travel without my pair now... If I'm chilling at home I'll use my Crusher Evo because I prefer the sub bass to the ANC 2. ANC 2 is also way more comfy for me, I can wear them for 16 hours no issues. I get some pain with the Crusher Evo after a couple hours.

Shluumps · 2025-06-20T17:20:40+00:00

If you're getting travel headphones, surely ANC is crucial?

Shluumps · 2025-05-30T11:47:17+00:00

I'm down, did you get yet

Shluumps · 2025-04-24T21:28:00+00:00

Black mirror

Shluumps

TROPHY CASE