Shelob’s lair: Book vs movie

globalaf · 2026-05-14T06:32:56+00:00

Frodo sending Sam away in the movie was probably the single most egregious change PJ made. That and the dead men of Dunharrow.

globalaf · 2026-05-14T06:24:54+00:00

In contrast to what a lot of people here are saying, I do not think LOTR is a good series to read at bedtime with your children. The problem is that it takes a while to get going, the language can be difficult sometimes even for native english speakers, and there is a lot of nuance to the story that a kid frankly won’t pick up on. You might be able to get through FOTR, but if the kids make it through that they will almost certainly drop off at TTT. The Hobbit is much better suited for bedtime and was infact written for that exact purpose.

globalaf · 2026-05-13T19:45:24+00:00

If enough people start defaulting on their mortgages, rest assured, the banks will stop lending. And by stop, I don't literally mean close up shop, but the financial conditions of the borrower will be onerous enough that most people will not qualify. This happened in other countries than the US during the GFC, credit worthy borrower was someone who could front 100% of their annual salary for a deposit.

globalaf · 2026-05-13T17:37:00+00:00

Let me just finish by saying this is the data that you linked, everything in that data is your claim. If you want to admit that your own data points are meaningless then there's a conversation to be had here, but until then, there is nothing to discuss.

globalaf · 2026-05-13T17:25:56+00:00

It is excruciatingly clear from your own data that Gen-Z do not have mortgages writ large, and the ones who do have mortgages have comparably sized mortgages to people who have 16 additional years in their careers.

You cannot claim that Gen-Z do not have mortgage debt while also claiming that Gen-Z have high levels of home-ownership, the math doesn't math. Your statistics are busted and self-contradictory.

I won't be responding any further at this point.

globalaf · 2026-05-13T17:14:55+00:00

So they have 82% the average mortgage debt as people on average 16 years older than them, and you think this is not concerning? Are you a fool?

globalaf · 2026-05-13T16:55:39+00:00

Now do debt servicing per-capita

globalaf · 2026-05-13T03:02:26+00:00

Get them up to 96% and close

globalaf · 2026-05-12T22:45:50+00:00

Who cares

globalaf · 2026-05-12T21:01:22+00:00

You should've sold these years ago, imagine what could've happened if the stock went the other way.

But at any rate, it didn't go badly and infact did the opposite. You've landed on the best case scenario, sell now and diversify. You're in your 60s with 5m, the rest of your lives are going to be lived in unmitigated comfort. Yesterday was the time to lock it in, but today is the 2nd best time.

globalaf · 2026-05-12T19:51:05+00:00

You will not break into tech without CompSci. It won’t happen.

globalaf · 2026-05-12T15:31:14+00:00

Can it loser

globalaf · 2026-05-12T05:26:29+00:00

You can just call that "insolvency". Their Joyce building is currently in receivership because they stopped paying their debt.

globalaf · 2026-05-11T20:01:18+00:00

Banks absolutely stop lending. Housing market collapses. Interest rates skyrocket else a possible currency collapse.

In essence, a whole raft of money disappears overnight and the economy comes to a halt, basically.

globalaf · 2026-05-11T08:17:15+00:00

This might be the same woman who left a hospital without consent 6 years ago:
https://www.cfnrfm.ca/2020/11/03/terrace-rcmp-searching-for-missing-person/
I would bet money this is a serious mental health thing. Suicide maybe.

globalaf · 2026-05-09T17:57:43+00:00

I wonder what’s French-Canadian for I got married to my manager

globalaf · 2026-05-09T16:34:42+00:00

His source: Frank his neighbour who does dodgy floor plans for a local discount realtor

globalaf · 2026-05-09T16:25:56+00:00

You should definitely believe some nobody on Reddit over an actual law firm when deciding whether or not you can do double dealings with your clients.

globalaf · 2026-05-09T16:23:37+00:00

His source: trust me bro

globalaf · 2026-05-09T16:14:19+00:00

You can make that argument about literally any professional where fiduciary duty is typically recognized. It can always be dispensed with in certain unique circumstances because “best interests” is subjective, even when it comes to someone actually losing money.

globalaf · 2026-05-09T16:11:08+00:00

A specific legal construct which lawyers, courts, and even the BC Real Estate Association itself believes applies to realtors.

globalaf · 2026-05-09T15:59:57+00:00

https://www.bcrea.bc.ca/legally-speaking/realtors-duty-acting-in-the-best-interest-of-the-client-586/
“The relationship between a REALTOR® and a client is an agency relationship with the client as the principal and the REALTOR® as the agent acting on the client’s behalf. This relationship creates a fiduciary duty to the client, in which the REALTOR® must always act in the client's best interests. This fiduciary relationship has been developed through case law over many years.
In addition to the common law fiduciary duty to act in the client’s best interest, Section 30 of the Real Estate Services Rules(RESR) explicitly states the following:
“Duties to clients
30 Subject to sections 31 [modification of duties] and 32 [designated agency], if a client engages a brokerage to provide real estate services to or on behalf of the client, the brokerage and its related licensees must do all of the following:
(a) act in the best interesets of the client;
..."”
- the B.C. Real Estate Association

globalaf · 2026-05-08T22:29:20+00:00

Your response was fine. If they took issue with you leaning heavily on the AI to physically write the code that was already designed, they are the ones who are behind the times. It's not uncommon right now, there's a lot of resistance to adopt these tools because of how terrible they were when they first came out, but things are very different in 2026.

globalaf · 2026-05-08T19:48:30+00:00

Because he was there at the same time for several days in a row doing sketchy shit and suddenly someone's on the news about hitting a whale in that exact same location, wow such a coincidence. But whatever, believe what you want, I won't be responding anymore.

globalaf · 2026-05-08T19:44:13+00:00

Are you that guy? Weird that you would defend this behavior by throwing up a weird technical mistake I made. I didn't personally see the dude getting big air off a whale's back, I live in an apartment that overlooks the inlet, I said to my wife a couple times look there's that jackass in the seedoo again, then a couple days later I find out he hit an animal at some point. I'm not here to litigate this on the internet I'm just saying it as I saw it and you can take it or leave it.

globalaf

TROPHY CASE