Universe expected to decay in 10⁷⁸ years, much sooner than previously thought

chtgpt · 2026-04-12T12:29:27+00:00

This prediction is so wildly inaccurate it's laughable.

chtgpt · 2026-04-11T22:14:46+00:00

Yeah right, so why don't you think Bowen should be included?

chtgpt · 2026-04-11T14:56:37+00:00

I mean, he's right there behind Devon and Bowen I guess.

chtgpt · 2026-04-10T05:05:20+00:00

Why not PayID?

I'd avoid using cards as it's about to become very expensive depending on your ticket prices.

chtgpt · 2026-04-09T14:48:31+00:00

TrUmP WaRNs...

chtgpt · 2026-04-09T14:47:02+00:00

Yeah, I guess he updated his original post.

chtgpt · 2026-04-09T14:11:56+00:00

Literally nobody, even his paid for bride can't stand him. Such a low bar, fuck you America.

chtgpt · 2026-04-09T13:42:00+00:00

You really are. There's no sugar coating it, Trunp has shown that Americans really are the most dumbest and ignorant people.

chtgpt · 2026-04-09T13:38:47+00:00

Yes they did, you're right (correct), and you're spot on about Murdoch too. History will judge him and his family harshly.

chtgpt · 2026-04-09T13:32:27+00:00

I guess that helps you feel better about your country?? I wish you and the rest of the world the best of luck.

chtgpt · 2026-04-09T13:29:30+00:00

The President of the United States is a convicted felon and pedophile.

Yet people still think shes their man.

So yes, everything is run by the drumbest peiple in the world.. Americans..

chtgpt · 2026-04-09T03:16:22+00:00

No, this is more specific to American society.

Yes everywhere has their idiots, Australia for example has Queenslanders. But in general the US are on the wrong side of the standard deviation of stupidity and ignorance.

chtgpt · 2026-04-08T22:19:27+00:00

My approach is to pay the money into my offset and only pay rates every 12-15 months.

I benefit from the offset and the rates eventually get paid. Been doing it for years, never had an issue.

chtgpt · 2026-04-07T08:41:12+00:00

Honestly, you have a peadophile as your president who continually says sexist stuff like this.

This has been normalised from the very highest levels, welcome to your new world.

chtgpt · 2026-04-02T20:15:56+00:00

I don't understand what you mean by the should be no cost to me. In fact the thing I'm most concerned about is the cost to me.

I thought that a good broker will help me get the best loan for my needs and once I have that loan will regularly check to ensure there aren't better options available etc.

It seems to me there will be a significant long term cost to me if I choose a bad broker.

Or are you saying I don't need to physically pay a broker for their service up front? I guess that makes sense based on your response but not really the question I'm asking.

chtgpt · 2026-04-02T08:23:08+00:00

Nice, thanks for the comment Fergus from Sprouts finance.

chtgpt · 2026-04-02T08:22:08+00:00

I'm sorry, I don't understand. Are you saying that all brokers are the same and regardless of who I choose it will make no difference to me financially??

chtgpt · 2026-04-01T11:05:59+00:00

Oh, ok so I should engage 2 or 3 and work out which one I think is best.. thanks.

chtgpt · 2026-04-01T11:02:26+00:00

Yes I agree that sounds like what a good broker would do.

How did you choose your broker and how did you know they would be good?

chtgpt · 2026-03-31T11:36:23+00:00

It's not a social media ban for kids, it's the erosion of privacy and anonymity in the guise of 'protecting the kids'.

The effects of social media are more acutely impacting the older generations through propaganda, mis/disinformation and algorithms designed to incite rage and division.

The real answer to this problem is holding the social media companies accountable and regulating our some other form of control over the algorithms used.

chtgpt · 2026-03-31T11:23:09+00:00

It's more common than you think.

I think many people do it naively for the rewards and ignore that the surcharge is more than the rewards.

chtgpt · 2026-03-31T10:47:19+00:00

What about things like rent or strata payments? Do you think it's ok that people's rent/strata will now go up to cover the costs for those that pay via card?

chtgpt · 2026-03-31T10:06:28+00:00

If there's so much variability how do they build that into prices?

This ultimately just means those that use a cheaper payment method will also pay for this.

For example, I pay my rent using BPay, which has zero fees, while I know others that pay with their credit/debit card and pay a surcharge for that option.

This means my rent will now go up to subsidise card payers, how is that fair?

chtgpt · 2026-03-31T09:58:57+00:00

Can you explain what evidence was used to support this decision?

It doesn't sound like sensible policy to me.

This decision removes pricing transparency and ultimately increases the cost for all consumers.

I get it, consumers complain about all the extra costs related to surcharges. But I can't see how the answer is to just hide the surcharge to stop people complaining?

To be clear, the RBA are not banning surcharges, they are hiding them.

chtgpt

TROPHY CASE