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Harry Chemay

@harrychemay.bsky.social

The random musings of a second-rate mind trapped in a third-rate body. Finance, Tech, Pensions, Housing. Constant observer, occasional scribe. Somewhat prone to #goodtrouble. Probably out riding. 🌲 πŸš΅β€β™‚οΈ

929 Followers  |  497 Following  |  4,260 Posts  |  Joined: 07.08.2023  |  2.457

Latest posts by harrychemay.bsky.social on Bluesky

From Microsoft's recent filings and the hit it reported on its stake in OpenAI, it is fair to surmise that OpenAI lost around USD $12.5b in the last quarter. πŸ€·β€β™‚οΈ

11.11.2025 10:29 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0

40 year mortgages are already a thing Down Under.

So I ran the numbers on a $678k (national av) P&I variable interest loan to calculate the interest repaid:

20 year: $535,000
30 year: $865,000
40 year: $1,200,000
50 year: $1,600,000

I would *love* to give a bank ~$1m of my hard earned. πŸ€—

11.11.2025 09:22 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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This '50 year mortgage' idea Trump is pushing is generating some epic memes! πŸ˜‚

11.11.2025 09:15 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 1    πŸ“Œ 0
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a bald man is sitting in a chair with the words on the down low means under the table on the bed rock of earth below him ALT: a bald man is sitting in a chair with the words on the down low means under the table on the bed rock of earth below him

Life imitating art.

11.11.2025 02:50 β€” πŸ‘ 7    πŸ” 0    πŸ’¬ 2    πŸ“Œ 0

β€œThis man knows no beauty and his whole world has devolved into fights on the Internet.”

Man: β€œLiar. I will fight you on the Internet.”

09.11.2025 17:36 β€” πŸ‘ 2277    πŸ” 134    πŸ’¬ 7    πŸ“Œ 2
Screenshot of a tweet from Joyce Carol Oates posted on Sunday, November 9th that reads "so curious that such a wealthy man never posts anything that indicates that he enjoys or is even aware of what virtually everyone appreciates--scenes from nature, pet dog or cat, praise for a movie, music, a book (but doubt that he reads); pride in a friend's or relative's accomplishment; condolences for someone who has died; pleasure in sports, acclaim for a favorite team; references to history. in fact he seems totally uneducated, uncultured. the poorest persons on Twitter may have access to more beauty & meaning in life than the "most wealthy person in the world."

Screenshot of a tweet from Joyce Carol Oates posted on Sunday, November 9th that reads "so curious that such a wealthy man never posts anything that indicates that he enjoys or is even aware of what virtually everyone appreciates--scenes from nature, pet dog or cat, praise for a movie, music, a book (but doubt that he reads); pride in a friend's or relative's accomplishment; condolences for someone who has died; pleasure in sports, acclaim for a favorite team; references to history. in fact he seems totally uneducated, uncultured. the poorest persons on Twitter may have access to more beauty & meaning in life than the "most wealthy person in the world."

Found the tweet that Joyce Carol Oates bodied Elon Musk with and it's so beautiful in its eloquent, simple take down. So much so he's crashing out trying to prove he reads books now. Put this in the Louvre.

10.11.2025 20:26 β€” πŸ‘ 7422    πŸ” 1968    πŸ’¬ 7    πŸ“Œ 203

Forget the Dismissal, check out the wheels!! 🀩

10.11.2025 21:16 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 1    πŸ“Œ 0

In other words, give back some of the revenue raised from these very same people via tariffs; an economic sleight-of-hand.

10.11.2025 21:10 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0

From memory, 2 million men from the subcontinent volunteered for WWII, to fight with the Allies against the Axis powers.

The largest volunteer army in history. Now largely whitewashed from Western history books, an inconvenience to the narrative 'it was us wot won the War'.

10.11.2025 11:29 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0

'Incineration, you know what I mean'.

10.11.2025 10:41 β€” πŸ‘ 2    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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a man says " ok let 's ride " in a blurry photo ALT: a man says " ok let 's ride " in a blurry photo
10.11.2025 10:26 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0

Goon a movie.

Goon in 60 seconds.

10.11.2025 10:23 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 1    πŸ“Œ 0
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Creeping I See You GIF ALT: Creeping I See You GIF
10.11.2025 09:06 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0

On that point, any sign of Jillian Segal?

Seems like an opportune time for her to step up and do that thingy that she was specifically appointed for.

10.11.2025 08:56 β€” πŸ‘ 5    πŸ” 0    πŸ’¬ 1    πŸ“Œ 0

I'm sorry but the fact that the NSW Police Commissioner is under the pump re the NSN rally at the steps of their Parliament has much to do with the slogan on display.

Had it said 'Migrants out' or 'Australia for the white man', he wouldn't be being grilled by Sarah Ferguson right now.

10.11.2025 08:46 β€” πŸ‘ 6    πŸ” 0    πŸ’¬ 1    πŸ“Œ 0

Uh, just found out that a former consulting colleague, who also happened to be a former Treasury Secretary, passed away over the weekend.

Vale T.C., a life of dutiful public service well lived.

10.11.2025 07:36 β€” πŸ‘ 2    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0

Goon Flew Over the Cuckoo's Nest.

10.11.2025 07:30 β€” πŸ‘ 1    πŸ” 1    πŸ’¬ 0    πŸ“Œ 0

You are the company you keep.

10.11.2025 06:32 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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a woman is eating a milkshake with pretzels and m & ms on it ALT: a woman is eating a milkshake with pretzels and m & ms on it

The first rule of 'milkshake in the middle of the day club' is that you don't talk about 'milkshake in the middle of the day club'.

10.11.2025 03:51 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0

If not all, then a substantial majority.

Because housing (alongside food and energy) are 'cradle to grave' basic needs (not wants).

09.11.2025 22:50 β€” πŸ‘ 1    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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a close up of a man 's face with long hair wearing armor and a jacket . ALT: a close up of a man 's face with long hair wearing armor and a jacket .

'Vibe coding' named word of the year by Collins Dictionary.

Um, that's two words, which in my estimation makes it a phrase instead.

*Signed on behalf of pedants everywhere.*

09.11.2025 22:00 β€” πŸ‘ 2    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0
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One in five Australian households 'severely food insecure', report finds A new report from Foodbank finds 20 per cent of Australian households have skipped meals or days of eating in the year to July.

When you get to the stage where 1 in 5 households are experiencing food insecurity, you've passed the cost-of-living 'crisis' stage and normalised cost-of-living precariousness.

www.abc.net.au/news/2025-11...

09.11.2025 04:03 β€” πŸ‘ 40    πŸ” 14    πŸ’¬ 0    πŸ“Œ 0

Mamdani is going to implement Shakira law. Hips will no longer be able to lie.

08.11.2025 14:20 β€” πŸ‘ 1348    πŸ” 231    πŸ’¬ 13    πŸ“Œ 64
Log in or sign up to view See posts, photos and more on Facebook.

Yeah, we've been here a minute. πŸ˜‰

m.facebook.com/photo.php?fb...

07.11.2025 07:34 β€” πŸ‘ 0    πŸ” 0    πŸ’¬ 1    πŸ“Œ 0
Kris Manjapra | Plantation Empire || Radcliffe Institute
YouTube video by Harvard University Kris Manjapra | Plantation Empire || Radcliffe Institute

As to why so many people moved from the subcontinent to British colonies in the Caribbean, here's a hint... 1834.

youtu.be/UgAPFoaKy9M?...

07.11.2025 07:05 β€” πŸ‘ 4    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0

So Zohran #Mamdani has forebears who left India 200 years ago for a British colony (Uganda), a few decades before mine.

A reminder, if it's needed, that people like us are here (in Western nations) because imperial colonisers were there (in Eastern ones).

And no, we're not 'fresh off the boat'. πŸ€·β€β™‚οΈ

07.11.2025 06:48 β€” πŸ‘ 50    πŸ” 9    πŸ’¬ 4    πŸ“Œ 0

A 34-year-old as a politician: My god he's like a baby. It's like they just elected an infant to be their mayor.

A 34-year-old as an athlete: You have to admire the bravery of him attempting that dunk, knowing full well the grim reaper is right behind him.

05.11.2025 05:45 β€” πŸ‘ 11324    πŸ” 2475    πŸ’¬ 8    πŸ“Œ 68
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Some exciting news from Jan Fran and I. We launched our independent media company Ette Media less than five months ago and we're taking our show on the road baby!
Ette Live: It's A No From Me.

06.11.2025 05:54 β€” πŸ‘ 104    πŸ” 20    πŸ’¬ 5    πŸ“Œ 3

oh my god they actually did it lmao

06.11.2025 00:36 β€” πŸ‘ 19640    πŸ” 3745    πŸ’¬ 651    πŸ“Œ 430

Congrats to Chuck Schumer and Hakeem Jeffries for finding themselves on the wrong side of history. Quite the achievement. πŸ‘

05.11.2025 11:42 β€” πŸ‘ 2    πŸ” 0    πŸ’¬ 0    πŸ“Œ 0

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