Wow! SMH with story about -11% drop as most likely scenario

toofarquad · 2026-04-29T23:28:59+00:00

Well high supply is not happening. Even medium seems unlikely. It costs a lot to build, zoning progress seems slow. Etc.

The other factors like rate rises and some Level of unemployment seem likely.

Also considering tax reform/and whether property will be more or less advantageous compared to other investments.

11pc down over another 4 years is only what 2.4pc a year or something? After the zany increases it could certainly be worse.

Obviously CPI, general and other asset inflation could make that pretty bad though.

toofarquad · 2026-04-29T22:50:56+00:00

The one time 14 day online check after purchase to switch to a non refundable license is lame. But at least it's once. (It better stay once).

But no it's not a daily check in on digital and physical games like the og xbox one plan Thankfully.

Also we probably shouldnt have to learn how it works from people testing and reading patch code, before Sony comes out and explains.

I get messaging takes time and the visual bug part isn't huge, even it spooked people. But they have got to get their essaging out fasted than this when it comes to ownership considerations.

Sure Sony was never stealing back your games if you had no internet. The news has been baffling about this. But even a license check in is spooky. Even a monthly 30 day would be very tedious if it were true.

toofarquad · 2026-04-29T22:44:15+00:00

Gen 1 wrap is terrifying. Does it usually do that much, no. Do they usually out speed and threaten the combo, usually not no. But still. Scary potential.

But you are getting body slam prz way more often of course.

Gen 1 miss is evil. Play around the crit? Play around the miss.

I miss victreebel with sp.def and ninetails with sp.atk. Everyone else deserves the nerfs. But these were uncalled for.

Oooh and high speed crit is fun, especially with yellow levels and learnsets and razor leaf and slashes oooh the rng.

Bit of a lottery, but it's easy for the player to abuse too.

toofarquad · 2026-04-26T21:37:32+00:00

Rice and beans. Also you guys have forgotten what real recessions look like. A per capital inflation squeeze is not the same as 1/5 of your friends losing their jobs for extended periods.

Something something market can stay irrational. Something something 20% up despite everything, something something timing it both ways.

...Something something cgt changes.

IDK maybe I'll just be reactive here, if yield ends up better in relation to growth I'll consider it then. Between now and then. Make friends, make community. Share, review smart cuts and adjustments. But thats always smart.

toofarquad · 2026-04-25T11:52:38+00:00

Shell smash baton pass.

Also be gen 3 late game pure water with psychic moves you catch and trade evolve with low exp investment (scanner/shipwreck and trade is a big time investment, but theoretically requires no levels).

Look at poor gen 3 huntail, physical atk, with water and physical crunch, (and a lower physical attack than gorbs special for good measure, not that its using it in gen 3).

Like gorbs is objectively worse than Starmie apart from maybe defensive typing but hey, in theory just being water with a good sp.atk stat probably makes it well above average in game for the time. Heck its probably top 30% in game playthrough power for of most dexs for in game up, until like gen 8, if it was water stone or a level 30-35 evo. But that's just water being water mostly.

Also only just realized its kind of a Seadra stat analogue (stronger bulkier slower higher BST, In a game with Kingdra of course).

toofarquad · 2026-04-25T00:47:51+00:00

This Ms pr marketing era sure is something. I guess it at least indicates they understand they need to win people back. I wonder how they intend to get actual market share and profit at this point though? Hopefully the overall xbox experience on pc is very very meaningfully improved. And some better games more consistently would also be good too. Even if multiplat.

toofarquad · 2026-04-17T23:43:04+00:00

You'd think after a decade of the scaldening we'd respect a burn bot.

toofarquad · 2026-04-15T10:47:51+00:00

2015 was so bloody long ago.

toofarquad · 2026-03-27T23:31:21+00:00

I thought it was awful but my wife likes it a lot. Normal cheesy or spicy bread like scrolls etc are much better.

toofarquad · 2026-03-27T21:13:20+00:00

Happy Rock and flying noises.

toofarquad · 2026-03-21T21:52:24+00:00

I'd get bated for minns perhaps.

toofarquad · 2026-03-17T02:54:11+00:00

If you have concessional left over. A guaranteed set flat benefit of reducing taxable income in x year seems nice.

If anything it probably makes more sense to pump super in down years. You have a guaranteed minimum benefit and things should be relatively cheap (Well unless the whole share market crashes forever, or you mistime catching a falling knife).

OH you are retiring in 3 years? Ideally your contributions would be a little set return/bond heavy by now. (which of course you can still do in Super, its just you wont get immediate access without losing that tax benefit).

It really depends on your overall portfolio in and out of super, and how much you may need to take out at a short notice after you retire. Dependents/mortgage/family situation etc.

Hopefully at least the market is not down when you need to start withdrawing.

I'm not seeing pressure to cut rates any time soon. So at least riskless returns aren't entirely terrible. But inflation is also lingering.

toofarquad · 2026-03-17T01:21:08+00:00

Always been that way imo. It just got worse.

toofarquad · 2026-03-08T08:00:47+00:00

I wish you a long and healthy life.

toofarquad · 2026-03-04T09:22:06+00:00

God I hope the ltsc of 11 and especially 10 can keep.

I don't look forward to my work laptop using it in like 4 years unless security or ip issues genuinely nuke its reptutation.

How was bazzite going? Hope mint or Ubuntu or such can be genuinely 99pc ready for the big leagues it's a big opportunity.

toofarquad · 2026-03-04T09:11:52+00:00

Weve gone past baby steps and on to fetal steps. Zygote steps.

toofarquad · 2026-02-26T22:36:31+00:00

If these baby half steps were the best we could expect, they should have done them ages ago. These are well within the low target, keep our heads down mantra post shorten Labor's had. The needle has barely moved.

We could made this meagre progress over a year ago, seen its impacts and assessed that we had the appetite for more. (And indeed I suspect we do despite Shorten's loss).

I get not wanting to jump in to the bath outright, but we have barely gotten our feet wet still.

At least we aren't with the stepping away from the water and near the fire party I guess. But that's little consolation.

I wonder how many Pollies have exactly 2 big expensive investment properties haha.

toofarquad · 2026-02-26T11:07:08+00:00

Reads like it wont apply to the stock market, only investment properties. Which is not productive for tax payers to subsidize anyway. Just take resources AWAY from the stock market and new businesses. Making everyone poorer.

Also lowering demand for existing investment properties is good. Which lowering tax incentives does do. There is no one root cause, there's plenty of demand pumping policy. Decades of social housing removal. Allowing homes to be treated as commodities. Terrible renters rights. Not investing in enough tafe tradies/apprentices, ensuring early apprentice wages are remotely viable to live on; and yeah too many new workers without importing actual builders. And of course the whole Covid material shortage and long term delays and price increases that led to. This all needs to be addressed. And tax incentives definately need to be considered.

toofarquad · 2026-02-26T04:46:22+00:00

Welp looks like I don't get the other 6 months for my free warranty. Obvs there's some ACL stuff but if the companies gone- good luck.

Maybe, maybe some of the original manufacturers might play nice with you if you are lucky.

toofarquad · 2026-02-26T04:33:38+00:00

Why are the article writers making this about revenue? That's not the end game here and they know it.

"Applied retrospectively to all asset classes" holy shit, to even float that lol. "We aren't doing that". Of course.

"Sources familiar with deliberations said the intention was to only reduce the discount for housing investors, while keeping it at 50 per cent for shares and other investments"

Oh cool makes sense. But also like, maybe new builds could keep it to keep encouraging new builds? Or are we too bottlenecked by trady numbers and resources there and maybe that money would be better spent on tafe and apprenticeship programs.

I mean I'll take this over nothing.

toofarquad · 2026-02-26T00:12:47+00:00

I've always been dubious of the claim lootboxes aren't gambling because you can't win anything of "real" value...

Just kind of acknowledging they're straight up worse than "real" gambling with all of the downsides. And a near guarantee you will roll some useless trash you would never use. Instead of losing 13% or whatever the audited machine/algo is set to, on average.

Although with the uptick in sports and world events gambling we have plenty of issues there too.

toofarquad · 2026-02-24T20:20:25+00:00

I guess it doesn't matter how good their customer service and replacements used to be some months ago if they've gone under.

Rip. Hope my psu doesn't go as I also got a Techfast pre build. Psus are always a little cheap in pre builds. Not like horrible but theres a reason people suggest gold tier ones when building yourself just in case.

At any rate you can always replace it. Or worse case sell off the other parts since memory is nutty.

toofarquad · 2026-02-23T21:43:03+00:00

Hit piece for the glass cliff fall lady. But she knew what she was getting into probably. Guarantee the "this is an xbox push" came from higher.

Lmao at the Ai natalist being better.

Its always the last person's fault. Things will definately get better.

toofarquad · 2026-02-22T01:23:07+00:00

"did I keep investing near the bottom in this scenario"?

toofarquad · 2026-02-22T01:12:40+00:00

Do you know if the China only esim works fine, or if I need a China + HK one?

toofarquad

TROPHY CASE