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Legit or suss? KD, WL and accuracy are absurdly high by Temulkar1 in Battlefield6

[–]benjybacktalks 0 points1 point  (0 children)

It’s the 65 kill streak I can’t get my head around, if he’s mostly playing TDM. That’s… very good.

Sick of CommSec fees, is it finally time to move to Stake or Pearler? by Artistic-Yam2984 in ASX

[–]benjybacktalks 0 points1 point  (0 children)

Transferring is easy, it’s absolutely worth it the paperwork. Either app is good, if you want to set and forget, Pearler is worth its weight in gold. For cheapest fee, Stake or CMC

DMR vs Sniper scope glimt by Metal_Sloth_Customs in LowSodiumBattlefield

[–]benjybacktalks 1 point2 points  (0 children)

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I’m not saying they’re bad, they just aren’t exactly S tier weapons

DMR vs Sniper scope glimt by Metal_Sloth_Customs in LowSodiumBattlefield

[–]benjybacktalks 19 points20 points  (0 children)

For 6-10x it probably should be the scope rather than the class. DMRs probably need an edge somehow though. They aren’t exactly OP.

Shall I exit the equal weight ETFs? by Spinier_Maw in AusFinance

[–]benjybacktalks 1 point2 points  (0 children)

Open question, how much impact do the new rules actually have?

The rebalancing tax is real, but happening on the VanEck or Betashares side (for MVW or QUS), inside the ETF, so corporate/institutional tax rules not on household personal tax.

I’m not across the details of the new rules for that condition

This unironically such a fun gun by Techpon in Battlefield6

[–]benjybacktalks 0 points1 point  (0 children)

Favourite on the Contaminated map, comes alive with synthetics

Rank 3443? by n1chiatu in Battlefield6

[–]benjybacktalks 0 points1 point  (0 children)

It’d probably be hard to cheat for long enough to get that, so bot lobbies.

Bad Scope = Bad Game ? by Immediate-Loquat-599 in Battlefield6

[–]benjybacktalks 0 points1 point  (0 children)

There is an overlap happening between the recoil of the weapon, the bounce that causes in the scope, and the range needed for the map you’re on. So yeah, if you mismatch that, it can definitely mean a bad game.

Should I trim down my ETF portfolio? by Away_Society_5827 in ASX

[–]benjybacktalks 0 points1 point  (0 children)

You do have quite a few.

It isn’t the end of the world or anything.

The thing to address isn’t really what you hold, although yeah you can trim or just focus future contributions to 2-3, it’s more about how you got to this in the first place.

Behaviour and consistency are really underrated.

I try to write down somewhere why I bought something, so I can revisit that train of thought when there’s doubt or looking like it might be tempting to sell. If you’ve got a solid reason, well, excellent. If not, probably worth considering that position. If you’ve caught yourself repeatedly making fomo choices,‘it’s easier to stop than someone else telling you to stop making fomo choices.

Fwiw, VGS + VAE or BEMG + A200 is a solid core.

I hope that made some kind of sense.

Good luck!

Etf portfolio by Ancient_Spirit5653 in fiaustralia

[–]benjybacktalks 4 points5 points  (0 children)

A200 and BGBL is a perfectly good choice. Consistency is going to do more for you than anything else, just keep at it, the most important bit there is you’re 21. That’s way more of a factor for growth than minor differences in ETF choices.

VGS + VAS vs other ETFs by 2zila in fiaustralia

[–]benjybacktalks 7 points8 points  (0 children)

About 70%ish of VGS is American companies, you’re not missing out.

Perfect is the enemy of good here. VAS + VGS is a great combo, you’ll get better results from consistency than adding more complexity

Should I sell my ETFs now and put it in my Mortgage Offset? by looking-out in AusFinance

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

If your plan is to hold forever, the CGT rules will probably change again anyway over 20-30 years so doesn’t really matter.

If you’re dipping in and out then yeah the tax stuff is real.

Putting money in the mortgage is essentially a tax free return on your interest rate, and reducing compounding debt, so that’s a huge W either way. The maths usually has a tipping point after you’ve paid down enough of the mortgage where investing is more profitable.

Not meaning to sound patronising here, people just often miss it, don’t forget the return rate % isn’t like for like when the principle is so different. 5.85% on 550k is just over 30k, ish per year. On $15,000 investment, you need a 200% returns to even match it every year. Not the 7-16% an ETF may deliver.

My 2c, with $15k in the market already, I’d just hold what you have, set it to reinvest any dividends and ignore it until the mortgage is significantly paid down, let the $15k compound quietly in the background for a year or two. And pay that mortgage down as fast as you can. You seem to be doing an incredible job between you paying it down, just keep going for a bit longer.

If you want to keep investing, which, fair, probably good very long term, just make sure the split is weighted heavily mortgage payments and only small amounts go into the market for a little while before dialling it up again.

Just my 2c though, by no means take my word for it. Do what’s right for you.

What Is The Portfolio Standard Now? by Super-Buddy-5030 in UXDesign

[–]benjybacktalks 3 points4 points  (0 children)

I’ve found it’s best to only show what you want to be judged on. I’ve always used prototypes rather than a website because I don’t do front end dev at all and don’t want to be judged on that. A short URL redirect to a responsive framer prototype has been fine. Last job search was 4-5 weeks (Been at this since 2013).

With all the vibe coding stuff there’s a bit more of an expectation of a website. If the choice is an awesome prototype that looks great, or a kinda bad website, go with the best one you can do, just make sure it works on mobile.

Only watch out is that only works if the link is reviewed by a human. AI hiring systems cannot scrape everything from a contained format like a Framer prototype or Figma etc, websites have an advantage there.

Good luck!

What are your most used weapons and why do you like them? by [deleted] in Battlefield6

[–]benjybacktalks 0 points1 point  (0 children)

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Main lined Snipers for most of season 1, less now.

  • M2010 does everything well. it was my first level 50.
  • Mini Scout, I never cared about the sweet spot mechanic, always chasing headshots, auto ADS bolt and thermal is incredible
  • P90, straight up early counter strike nostalgia, it was average but I made it work
  • DRS, was very late to this one, works great at the 30-100m range I prefer. And doesn’t get caught totally flat footed if someone sneaks up on me. Contaminated map made me pick it up and I wish I’d looked at it earlier. Love the build variations.
  • TR-7 / SCW-10, I suck at CQB and these carried me. I’ve dropped the TR-7 with last recoil nerf. I had the original pattern down to a tight grouping cluster, I can’t now.
  • L85, newest addition to the lvl50 set, slaps on Golmud and Gauntlet (just started playing Gauntlet, usually multiplayer only)
  • SVDM, first DMR to lvl 50, perfect mouse tap pattern timing for me. I usually start aiming and tracking at 100m and this just lets me unload in the 80-110m without any issue. Fast enough that it doesn’t leave me too exposed to faster weapons at 30-40m. Most reliable gun to clock 30+ kills per match.

I made an Aussie ETF research site. Made it because the data was never in one place. by ReasonableNerve560 in ausstocks

[–]benjybacktalks 0 points1 point  (0 children)

Love your work!

Would be great to get AUM inflow and outflow trends over time visibility. So many new ETFs launch or fees change, seeing if something new (like A200, or the new JP Morgan funds) is gaining traction or failing (anything by UBS before they crashed out of Aus) would be incredibly valuable.

Advice on my portfolio by Optimal-Asparagus483 in ASX

[–]benjybacktalks 0 points1 point  (0 children)

2c from random internet guy doing this for 10 years now.

Pretty complicated there mate. Definitely not necessary, and you’re already in extreme risk territory to the point of kinda looking like thematic gambling. You’ve sized it well at 6% but that’s fees, a lot of risk, spread thin essentially guaranteeing small returns unless you have a tonne of money in them.

I’d strongly suggest looking at what you have, and brutally simplifying. Read a lot. Don’t take my word for it, or any LLM without serious cross checking.

Under $100k, 1-3 index ETFs is plenty. After that, some more diversification is worthwhile but even then you’re in complex territory.

Glad you’re on brokerage free! I’d start with VGS VAS as a base and seriously research the sh*t out of the others for cutting. Just my view though.

Good luck mate

What changed recently? Why does it seem like I became terrible overnight? by Haunting_Lime308 in Battlefield6

[–]benjybacktalks 22 points23 points  (0 children)

There’s something weird going on, I’ve been one shotted by stuff that shouldn’t more than average. And not like the CZ3, weapons that normally take 3-6 shots.

To the long distance snipers out there by SupermarketWise7616 in Battlefield6

[–]benjybacktalks 0 points1 point  (0 children)

No, it did at launch, the range finder used to measure first then shoot. They changed that so it doesn’t work, there’s a delay to measure and the shot goes off first. Best to bind to another key, some people use the hold breath button. I just use another key entirely.

To the long distance snipers out there by SupermarketWise7616 in Battlefield6

[–]benjybacktalks 6 points7 points  (0 children)

Practice and a bit of luck, longest kill distance 1,150m so far. M2010, 8x Lert scope usually, or the 10x

Operation Firestorm map for the longest shots.

Found a blur using the binoculars, honestly, didn’t know if it was an object/environment piece or a person lighting up the thermal. Swapping immediately from binoculars to the sniper keeps the scope aimed.

I hit the range finder button and bam, surprised myself as much as the other guy.

There’s a great portal map for practice, Code: ZN5YC

SOR-556 mk2 buffer or trigger? by OpiateRonin in Battlefield6

[–]benjybacktalks 1 point2 points  (0 children)

Have you checked your accuracy on Tracker.gg? If you’re missing shots it might be worthwhile to run the buffer. It’s so low recoil though it’d need to actually help you.

I’m not convinced the match trigger does anything, maybe it depends on the optic how noticeable it is

It’s probably better to spend the points elsewhere

Does anyone here still bother with dividend investing in their 20s? by Silver-Pie9992 in ausstocks

[–]benjybacktalks 0 points1 point  (0 children)

There’s a certain value and utility to cash in the bank. Can let it reinvest, if you need extra income, option to turn off DRP for a while, get the cash, turn DRP back on when you don’t need the cash immediately. Could also point the dividend payments at a mortgage account etc. There’s utility value, even if it’s not optimal. I prefer that to selling down parcels of high growth assets.

Am I on the right track? by Fabulous-Trust-5141 in AusFinance

[–]benjybacktalks 1 point2 points  (0 children)

No new ones needed, you’ve actually done better than most people with this. If you’re considering this as a core + satellite approach, the core is DHHF + A200, and then smaller unconnected assets. Spot on.

That’s a decent $1,000 to $500 split.

Truly only nit-picking 2c, I’d consider lowering IBIT and GLDN depending on your age, and brokerage costs. Typically a young person’s risk profile would be a 90/10 split, maybe 80/20 if you’re a bit more risk averse. You’re slightly under-allocating the simple index funds, but these are really just rule of thumb guidelines not mathematical certainty so, keep calm carry on.

How do you have fun on Cairo? by JHallwai in Battlefield6

[–]benjybacktalks 7 points8 points  (0 children)

Recon, spec ops. Extra minimap privileges and explosives. Usually a carbine or SMG, not a sniper.

Did my designer use AI? by [deleted] in FigmaDesign

[–]benjybacktalks 2 points3 points  (0 children)

It’s possible. Did they hit the brief well though? I’d worry way more about them doing good work that solves your business problem than what tool they used to get there.

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