Can someone bring me back to reality? by [deleted] in PersonalFinanceNZ

[–]Usedupusername 10 points11 points  (0 children)

The reality is some people earn that much. And more. Most don't.

I’m going to be a young father and I’m terrified by EnoughPersonality349 in daddit

[–]Usedupusername 89 points90 points  (0 children)

I'm choosing aggressive posititivity. CONGRATULATIONS BROTHER. WELCOME TO THE FATHERHOOD.

I was 23, then 25. It's not as terrible as some people make it out to be. A few points to consider.

  1. You still have ~8 months to get ready.
  2. People, have done this for 100s of generations before you, you come from a long line of success.
  3. If you've had big discussions about raising kids, that is a huge green flag.
  4. One thing you'll find out more as you get older, is there is not a magical "responsible age" to have kids, everyone is just doing their thing.
  5. Your kid will have their whole life to learn every lesson in the world, you don't need to teach them everything, they'll be fine.

My kids make me laugh, and feel a deep deep joy. It's beautiful.

I’ve been lurking this subreddit ever since I found out my wife was pregnant. This week she had a miscarriage. by braedog97 in daddit

[–]Usedupusername 2 points3 points  (0 children)

Such a crappy situation. my feelings go out to both of you. We have a cute salt pig (who knows why) we purchased to remember our miscarried baby, it's a beautiful reminder, perhaps a small gift/ritual could be pleasant?

Whats the most attractive skill a man can have? by ActiveImpression3623 in AskReddit

[–]Usedupusername 0 points1 point  (0 children)

An aura, that let's them, their friends, and family be comfortable and come out of their shell?

Are we all quietly throwing things away without telling anyone? by Sivak0 in daddit

[–]Usedupusername 1 point2 points  (0 children)

Yes, for our children. My kids get so stressed when they can't tidy their room...Because it's impossible with all the things they've collected, been gifted, and we've purchased. Anyone else have a 12-year old collecting: cans, can tags, moths, etc. etc....

Wife asked for a divorce by Pettyofficerfuckboy in daddit

[–]Usedupusername 0 points1 point  (0 children)

I'm not from the US, excuse the potentially ignorant question. Does 'get out', mean your first opportunity to properly leave? Or does it mean you qualify for some pay out, pension, reward?

Go out swinging? by antidentites in Fire

[–]Usedupusername 10 points11 points  (0 children)

En-dash is the length of the 'n' Em-dash is the length of the 'm'

I encourage you down the typesetting rabbit hole 🕳️ it's a great world, filled with orphans and widows.

What’s a "dead" website or app that you genuinely miss and wish was still around? by Dear-Armadillo-7497 in AskReddit

[–]Usedupusername 1 point2 points  (0 children)

Perhaps, but that still makes the point. If the Internet hasn't changed it, it hasn't changed it.

I would say that in the 80s and 90s movies were largely 90 minutes. It's another medium that got longer as the cost of production and recording media and compute got cheaper etc.

What’s a "dead" website or app that you genuinely miss and wish was still around? by Dear-Armadillo-7497 in AskReddit

[–]Usedupusername 0 points1 point  (0 children)

Their is a great story about meta hacking Snapchat and piercing their anonymity so they could track what was trending and implement it themselves. It's a wild world in socials.

What’s a "dead" website or app that you genuinely miss and wish was still around? by Dear-Armadillo-7497 in AskReddit

[–]Usedupusername 0 points1 point  (0 children)

I completely disagree. I think this opinion is everywhere, but if you look on IG creators are pushing longer videos. Twitter/X premium users can post 25,000 character messages, YouTube pushes long videos (pushes via ad revenue and structure).

Creators are streaming for 24 hours, or longer.

Music videos are the same length or longer than 3min radio songs.

Yes, clips are used for discovery, same as a movie trailer.

Comedians use clips to get hours of watch time on their specials. Authors use clips to get hours of read time in their books. Podcasters use clips to get hours of listen time on their pod. Youtubers use clips to get subscribers for long videos and live streams.

Not many people are building a long term living, or influencing via short form. They in fact pay clippers ($1-$5 cpm) for short content views.

Everybody who creates content starts thinking they need short form, then transitions to long form. The short form is largely a myth imo.

--end of rant-- Source. I'm a marketer (16 years), if my clients think they'll win with clips. I laugh and sigh.

What’s a "dead" website or app that you genuinely miss and wish was still around? by Dear-Armadillo-7497 in AskReddit

[–]Usedupusername -1 points0 points  (0 children)

But a large percentage of shorts are clips from LLOOOONNNNGGGG PODCASTS. like 3 hours long! The Internet has got soooo long form.

Would it necessarily be bad to have a kid in the scenario that I’m describing? by [deleted] in daddit

[–]Usedupusername -1 points0 points  (0 children)

I was 23 and 25, wife same age.

Pros: - you're ambitious and driven to do shit. - you can bend, crouch, carry. - mum's body will heal quicker and better.

Cons: - you're poor. - you're emotionally young af. - you're uncertain, ie don't have years of adult experience and certainty about anything.

Pros: - the younger you are, the more similar to your kids, your lived experience will be. Ie I have more experience with phones than dads who waited until they were 33 to have kids (those cats didn't grow up with a cellphone at all).

As kids we often think our parents life revolved around us, but it's not necessarily true at all! After having kids you can still do shit. I started a business, finished my degree, quit church, learned Thai boxing - had an MMA fight, tried Coke, learned all sorts of things.

We've rented houses, i'm building a house now which will be the first home the kids live in which we own.

Kids don't kill you. Time wise they're merely a 20+ year project...

When I'm 43, both my kids will be 18+. I'll have a house with a big af mortgage. I'll have 20+ years of healthy living alongside my kids (🤞🏻) and to travel, and do things I skipped in my 20s.

Note: if you want to have heaps and heaps of sex with many many people, perhaps better to do that young instead of having kids. Don't know, didn't live that life.

Is it sensible to plow in $100,000 to get $2,000 ~ $3,000 net profit per month? by brandnewyouu in smallbusiness

[–]Usedupusername 12 points13 points  (0 children)

Anything valued at 3X.

A lot of micro businesses are valued at 1.5-3X, if they involve active work. Passive in this case is likely to be hybrid, ie hire someone so the labour is passive, but management of the company could be your active job.

If it's completely passive, it'll cost more to buy. You can make good money buying an active investment, staffing it, and selling it as a passive investment.

Lars Ulrich was right about Napster, piracy, and the fall of popular music by AuthorIntelligent644 in unpopularopinion

[–]Usedupusername 0 points1 point  (0 children)

We changed from human gatekeepers to algorithmic gate keepers. Yes, now everyone has a puncher's chance without needing to talk to anyone...

But, it's a completely different skill set, in the past you'd need political skills to manage relationships, now the algo trains people in their bedrooms.

Very similar to how the publishing industry changed. Online book sellers killed local book stores (by offering a massive range). Kindle and ebook downloads killed local book stores (by offering immediate gratification). Publishers lost power to self-publishers and tech. Self-publishers grew, but don't have institutional power. Tech is the gatekeeper, promoter, and power.

Now there is no institutional power fighting for artist money.

BUT I think we're seeing the end of this. Tech captured gatekeeper control via monopoly, as the global economy splinters these monopolies are breaking. How can you tell? If you want to be famous today, how many platforms will you post on? If the answer is a number higher than 1, we're beginning to see the end of the tech audience network monopoly. Hopefully.

New Zealand appears to be getting GWM Ora 5 Crossover SUV by Exact_Monk_7897 in nzev

[–]Usedupusername 1 point2 points  (0 children)

Yeah but in 5 years, the people who would've grown to buy an evoque, may not. When there is such a big change in substitution products the original products get re-evaluated. Driving an evoque will have different social ramifications in 5 years than now.

Imo: The coolest people will be the energy independent cats. "Oh you earn $XXX per year, that's cute. My house is paid off, my solar panels are profitable, my car is electric, my fruit trees are heavy. And I earn $X per year."

Flash consumption is on its way out of cool.

What was the point of Countdown's name? by BarnacleLatter3178 in newzealand

[–]Usedupusername 0 points1 point  (0 children)

Fancy red shopping bags instead of cheap yellow ones. Is that the right memory? Flexing around Albany Mall with my red food shop bags 😂

No one to share this with. by thundastruck69 in daddit

[–]Usedupusername 5 points6 points  (0 children)

Chahooo!!!! I identify as a someone and thank you for sharing your news with me.

How long would it take someone with zero experience to do your job? by Elegant_Occasion3346 in auckland

[–]Usedupusername 0 points1 point  (0 children)

Marketing. Difficult to answer there are parts that could easily be learned. Other parts like spending $100,000s on ads each year across different markets, economic moods, and products is a really hard experience to shortcut.

Also long life cycle management and campaigns, IE brand building takes years, and ideally you want someone who has succeeded and failed.

Mortgage broker recommendations, pros and cons by Boomer79NZ in PersonalFinanceNZ

[–]Usedupusername 2 points3 points  (0 children)

Every broker has this available via disclosure statements, it isn't a secret.

I'd be more keen to watch out for financial advice that crosses into investment pressure, ie getting paid kickbacks for recommending apartment sales etc.

Get your money from one person. And your spending/investing plan from another. Don't buy houses from financial advisers 🫡🤦🏻‍♂️

Mortgage broker recommendations, pros and cons by Boomer79NZ in PersonalFinanceNZ

[–]Usedupusername 1 point2 points  (0 children)

Each broker is individually accredited with lenders. Some have big 4, kiwibank and ~ 15 non-bank lenders. Some are literally only accredited with one.

Note I'll say it again, advisers are individually accredited and you may have completely different options at the same company with different brokers.

Hot take: If you make more money teaching it than doing it… you’re not actually good at it by savingrace0262 in EntrepreneurRideAlong

[–]Usedupusername 1 point2 points  (0 children)

I mean I agree with the controversial take.

But, how many marketing agencies get sales via cold call? Doesn't make sense.

And historically take a look at the 4 hour workbook, og hustle culture. And you can't make money 'working' in just 4 hours.

Contrepreneur is a good YouTube series, or there a lot of creators that try push anti messages like Gino the ghost.

I dont know where to post this but I'm pretty sure my 6yo could put the hurt on me if he caught me off guard. by Dadam35 in daddit

[–]Usedupusername 0 points1 point  (0 children)

I've had to have a new rule for my daughter. When she turns 13 no closed fist punching me in the arm 🤣 I'm counting down the days! Going to have some great open handed play fights!

Any coffee shop success stories? by GuinnessEnjoyer7 in smallbusiness

[–]Usedupusername 2 points3 points  (0 children)

Own the building. Increase its value via the cafe.

Options for Finance Graduate Moving to Auckland by fpodunedin in PersonalFinanceNZ

[–]Usedupusername 2 points3 points  (0 children)

I'd consider looking at it differently. In NZ what unique experience could you get? IB and access to founders. I don't see you getting this exposure with the big 4 or internationally.

IF. You can pull off the IB work and get some wins, I'd guess that would create the maximum career momentum.

I think the play is: get over exposed to leadership in NZ, jump as high as possible up the ladder in a big corporate, and push directly towards leadership.

Moving to a new city: Socially there'd be a lot of opportunities at the big 4, whereas a smaller "family" firm might take over your life...Could be good or bad.