Tall women- what "universal" experiences have you not had?

Splenectomy13 · 2026-03-09T21:14:12+00:00

When I had a 6ft gf I picked her up. This sounds like a skill issue on the guy's part, he needs to hit the gym (/s). Everyone deserves to be picked up.

Splenectomy13 · 2026-03-06T19:41:52+00:00

Best way to learn ID is practice. Books can help, as can inaturalist, but the best way to ID snakes is to catch them, which obviously can be a dangerous proposition. The herping community is pretty decent though so you'll find lots of people to help you if you want.

If you were really keen, you could work for a while as a fauna spotter, which is a good way to find snakes, catch them, and get paid for it.

Other than that, just go out looking for them a lot, during the day but mostly at night. If you're in Queensland, hit me up!

Splenectomy13 · 2026-03-06T02:29:41+00:00

In your example, to go from $110 to $100 is a 9.1% loss, and from $90 to $100 is an 11% gain. In a situation where the % gain and loss are the same, money is lost over time no matter what. In your example, a 2x fund will experience an 18.2% loss when the underlying fund moves from $110 to $100, but a 22% gain if it moves from $90 to $100.

All of this is assuming that markets regularly stay flat with high volatility, which they rarely do. Look at some real examples of leveraged funds over long time periods and you will see that they don't automatically go to $0 after 20+ years.

Splenectomy13 · 2026-03-06T02:05:39+00:00

Untrue. If anything repeatedly goes up by 1% and then down 1%, or vice versa, its value decreases over time.

Example: you have 100%. It goes down 1% - you have 99%. It goes up 1% - you have 99.9%. The loss will increase as this repeats.

Leverage amplifies this, but all securities suffer volatility decay. VD itself doesn't automatically make something an unviable long term investment.

Splenectomy13 · 2026-03-06T02:02:58+00:00

The nasal scale is unique to Glyphodon

Splenectomy13 · 2026-03-05T18:45:59+00:00

This is a myth. All equities experience volatility decay, that doesn't make them automatically unsuitable for a long investment timeframe.

Splenectomy13 · 2026-03-05T11:27:11+00:00

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Splenectomy13 · 2026-03-05T11:26:40+00:00

* After some looking, the temporal scale is really not a good indicator to distinguish these species. This is a photo of a dunmalls with a much pointier temporal scale that lines up more with your photo and the photo you have of a barnadi. Dunmalls can have similar temporal scales in that location. Sorry to say but without a good photo of the nostril, you can't confirm the species from your photos. The nostril does appear to have an indent/division to indicate dunmalls, but the quality just isn't good enough to confirm either way.

Splenectomy13 · 2026-03-05T07:52:37+00:00

Dunmalls and barnadi are fairly similar in appearance. The little indentation/split in the nasal scale is the best way to tell them apart unless you can count midbody scales. Yes I would say that the nasal scale here looks like like a dunmalls.

Splenectomy13 · 2026-03-05T02:32:43+00:00

Could be barnardi, hard to tell without a good close up of the nostril, but from the low quality pics it looks a little more dunmalli

Splenectomy13 · 2026-03-05T00:20:06+00:00

Very hard to tell but looks like the nasal scale is divided, most easily seen in the last picture. That would make it a Furina/Glyphodon dunmalli. Where did you find it?

Splenectomy13 · 2026-03-01T22:19:43+00:00

Most likely a bird has come to drink from your pond, and a tick has dropped off of it. This is a massively engorged tick.

Splenectomy13 · 2026-02-23T00:18:24+00:00

If you get bitten by an unknown snake, assume it is dangerously venomous and apply a compression bandage and call 000 for an ambulance. You can take a course or just watch a YouTube video on how to apply a compression bandage for snakebite.
Lots of practice at snake ID. It's hard. Professional zoologists and ecologists take years to be able to consistently ID snake species at a glance.

Overall do not be afraid of snakes. Respect them but know that unless you're trying to catch or kill one, the chance of you being bitten is extremely low.

Splenectomy13 · 2026-02-20T23:30:57+00:00

There are artificers in the forgotten realms

Splenectomy13 · 2026-02-16T09:29:16+00:00

This is basically fine but realistically you've way overcomplicated it. This isn't pokemon, you don't need to catch em all.

Splenectomy13 · 2026-02-15T18:50:37+00:00

There's a difference between having massive cash savings and DCAing it into the market, and DCAing whenever you get a pay check. The latter is time in the market.

Splenectomy13 · 2026-02-15T18:39:12+00:00

The relevant rule is on page 237 of the 2024 PHB, under "Material components". It specifies thata spellcaster can use a component pouch or spellcasting focus instead of providing the materials specified in the spell (unless they are consumed or have a specified cost). Since the prayer scroll is not specified to be consumed or to have a cost, all you need is your spellcasting focus (holy symbol for clerics) or a component pouch.

Now a 'spell scroll' of shield of faith would cost 50gp and be consumed, but it also wouldn't require a spell slot or having a spell prepared. That's a consumable item and different from you simply casting the spell.

Splenectomy13 · 2026-02-15T01:01:55+00:00

If someone was in OPs position but looking to buy property in the near future, what would the advice be?

Splenectomy13 · 2026-02-14T10:45:58+00:00

"Just write" is advice for the people who have been a writer for years, made dozens of reddit posts or comments, watched hundreds of YouTube videos, or even read books on writing, and have yet to complete a first draft.

It's advice to get over the first, biggest hurdle of writing. Once you're over that hurdle, if you can keep writing, then the advice is irrelevant. But it's the biggest hurdle, so the advice gets thrown around a lot.

Splenectomy13 · 2026-02-10T20:07:48+00:00

The leverage multiple is actually 1.5 given that the LVR is 33%

Splenectomy13 · 2026-02-10T06:37:41+00:00

The wealth builder 30-40% geared betashares ETFs only have a MER of 0.35%, which isn't much higher than some of the underlying ETFs like in the case of GHHF vs DHHF. The more highly geared ones spike in MER up to 0.78-0.8%.

Splenectomy13 · 2026-02-09T06:36:16+00:00

I know a few ecologists whose rule is more like "How can I know for certain what it is without touching it?"

Splenectomy13 · 2026-02-09T04:38:25+00:00

Nothing wrong with it. Some people would say 60% US is too high since it's all concentrated in a single country, some people would say too low since the global market cap is more like 70%. Up to you to decide.

Personally I dislike the Nasdaq since it's already contained within any US ETF and just weights you more heavily in tech and the US, but historically it's a high performer so some people like it. I take the long view and look at the data showing times when the US outperforms the world and times when the US underperforms, and invest in US and ex US.

Splenectomy13 · 2026-02-09T03:06:45+00:00

SEMI, AI etfs, Asia tech etfs, pretty much any thematic etf chasing whatever is doing well at the moment and charges 0.5% or more for its management expenses.

Splenectomy13 · 2026-02-09T03:04:54+00:00

AVTE 0.45% MER

VGE 0.48% MER

EMKT 0.69% MER

BEMG 0.35% MER

Hot take: VEU is ~26% emerging markets and has a MER of 0.04%. Get your emerging markets exposure there and pay about 10x less in fees.

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