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Rudager posted:EDIT: Although, cashing out the holidays is probably bad with money since if I use them I get a 15% (or somewhere around that) "Leave Loading" on top of my regular pay, but they don't pay the extra 15% if you cash it.
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# ¿ Aug 7, 2014 08:07 |
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# ¿ May 15, 2024 05:34 |
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canyoneer posted:My wife just got introduced to a friend of her friend. She
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# ¿ Aug 26, 2014 01:14 |
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Devian666 posted:New Zealand as a nation is bad with money. Not the Government so much but the people. The baby boomers were sold on a good standard of living and social security for retirement. This actually worked perfectly well into the 80's as my Grandparents were living well enough, had a freehold house and money invested to supplement the Government pension. Basic living costs have escalated a lot with privatisation of the power network and huge inflation on food costs. There's a few other details I'm skipping over but now we have a lot of retired baby boombers who receive a pension and have a freehold house but they are in a cashflow deficit. The thing I don't get is that noone has told them they could get a reverse mortgage to stop themselves from living like poo poo and contemplating suicide. Of course in New Zealand fashion they complain to the media instead of seeking financial advice. First time I've heard of reverse mortgage. Wouldnt this classify as bad with money though?
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# ¿ Oct 14, 2014 01:37 |
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TLG James posted:This guy too. And he's in the military. This is his logic of tipping 1 dollar per person at his table when he goes out to eat. He's logic is retarded but he's not really stealing. Anyway don't want to start a loving tipping argument.
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# ¿ Nov 20, 2014 03:46 |
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Is it bad with money to buy a car when I have a decently running one at the moment? Thinking of buying a 4x4 to go out bush on holidays for ~10k.
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# ¿ Nov 24, 2014 07:43 |
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xie posted:Do you holiday 50% of the year? You could probably rent one for an entire month each year over the next 10 years and not spend 10k + taxes + maintenance. Hiring a 4x4 is about 4.5k/month. Where the hell do you live where hiring a 4x4 for a whole month only costs you like a grand? Pompous Rhombus posted:Yeah, rego alone is what, over $500 a year? If you get something little you can tow it and not register it (did Australia get the Suzuki Jimny/Samurai?), which would doubtless be cheaper to buy outright and in the longer run.
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# ¿ Nov 24, 2014 14:54 |
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Sorry folks, yes I live in Australia, Darwin where everything is more expensive plus more because it's Darwin (fuel is 1.55/L everyday and that's after a big price drop recently).Hashtag Banterzone posted:A bike can't tow one of these bad boys:
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# ¿ Nov 25, 2014 00:50 |
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I never actually considered that idea, I've been thinking about getting a bike anyway. I will seriously consider your food thought, thanks!
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# ¿ Nov 25, 2014 03:14 |
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spog posted:This. The numbers all balance out the same to the bank, it's just a way of the borrower getting what he needs, within the constraints of religious rules - or at least appearing to do so. gently caress banks and gently caress Islamic banks. 5% interest isn't usury when inflation is about 3% and an interest savings account is 3-4% (Australia). tl;dr muslims are bad with money.
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# ¿ Dec 4, 2014 03:22 |
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Thread title lives up to its name for sure. My housemate is bad with money. Her job ends in 6 weeks and she still hasn't found another one. She went on a 2 week holiday overseas about a month ago and just before that she spent about 1k on getting some art framed. She asked to borrow $20 because she doesn't have any money or some poo poo. She's 36. loving hell you'd think someone nearly 10 years my senior would have their poo poo together. Tangent rant: She wanted me to move out because, her words, "You affect me the most because you're in the house the most" when she didn't like how the house changed from a more happy go lucky to a bunch of professionals with busy lives. She got upset because we saw each other at a local community dinner and I hadn't invited her... nor did you, you loving unstable oval office. Thank god she is moving out because I hate her guts.
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# ¿ Dec 8, 2014 00:59 |
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Pompous Rhombus posted:I recently moved to Australia for the long haul, and I'm kind of in a similar situation. I haven't applied for any credit cards but since I'm currently unemployed (grad student) and on what is classified as a temporary visa it seems like I'm basically out of luck. I don't blame 'em considering how bad I look on paper (no money and a flight risk), but I have a high credit score back in the US and it's kinda lame to be starting at square one again. I know this is from pages ago, but in Australia there really isn't such thing as a credit score (yet, they might be bringing it in but nothing like the USA). You have a credit history but this includes anything from bills you're paying to income you're earning. You also dont need a credit card, go ask your bank for a debit card and go from there. debit cards work the same as a credit card (not as much insurance but can be used for online purchases).
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# ¿ Apr 9, 2015 01:55 |
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cowofwar posted:Horses evolved to live on a flat plain surrounded by nothing with visibility of 2km. They are pretty much the worst thing to have in an urban environment.
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# ¿ Apr 9, 2015 03:58 |
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moana posted:Seattle is a bunch of new money tech people, they get paid mad bank and want to impress all their friends and have no idea what to do with money but spend it all. P.S Im from Australia.
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# ¿ Apr 10, 2015 06:11 |
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Someone explain to me how you can take out a loan from 401k? Not American so I'm confused, I've seen it brought up multiple times but is your 401k account loaning you money (this is really bizarre) or are you using 401k account to borrow against?
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# ¿ Apr 22, 2015 02:48 |
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Jeffrey of YOSPOS posted:This isn't even close to true - governments spend most of their money on their own citizens, and the most efficient charities don't generally involve the first world. What he is saying is problems in your respective developed countries could be better handled from increasing taxes and using the money directly to fund programs that look into solving these problems. Off the top of my head (not american): your homeless problem, your healthcare (sorry lets not start this argument), drug problems, pregnancy/family planning programs (I think these are happening now?) and other things. Also yes a government could easily out perform any charity organisation whose job is to distribute nets to thousands of people in 2 countries in Africa. Suspicious Lump fucked around with this message at 04:42 on Apr 30, 2015 |
# ¿ Apr 30, 2015 04:36 |
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Why would you pay that much for a dog and why would you drive that loving far for it? That's ~4 hour drive for a loving dog.
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# ¿ May 12, 2015 05:02 |
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Inept posted:I quit my job and sold my car and it somehow took me a year and a half to make another one of those monthly box of random poo poo ordering websites:
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# ¿ Jun 3, 2015 08:01 |
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Barry posted:It's especially worse when they go on to pollute completely unrelated subreddits with their advertising. A year back some guy was selling candles and made a post in /r/pics every few months basically just showing candles and shipping boxes. That's the kind of cool content I want to see when browsing a subreddit (ostensibly) about cool pictures.
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# ¿ Jun 4, 2015 12:55 |
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Rudager posted:Well here in Australia our treasurer just told everyone that million dollar houses are affordable and everyone just needs to bootstraps them selves into a better job.
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# ¿ Jun 11, 2015 07:29 |
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BigDave posted:Didn't barbers used to pull teeth and amputate limbs?
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# ¿ Jun 14, 2015 02:25 |
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Devian666 posted:I'm looking at HSBC, an Australian owned bank and a rural bank which provides 4%+ interest in a tax advantaged account. That gives some spread on the credit ratings and interest rates. The only frustrating thing is all the paperwork to set up an account these days if you aren't an existing customer. Yeah I was going to mention Australia. The government guarantees your savings up to $250k per account and most people I know with that much money have multiple accounts. It's not a problem and the government doesnt worry because it targets average people with savings below that amount anyway. So MJBuddy, nah you're wrong.
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# ¿ Jun 24, 2015 07:18 |
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I'm lactose intolerant. I can't help it dude. Whys you discriminate against me?
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# ¿ Jun 29, 2015 08:30 |
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Devian666 posted:I could talk about the no vote from Greece but it's time to get closer to home. The discussion about what people do with their retirement savings in New Zealand.
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# ¿ Jul 6, 2015 01:23 |
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Haha that's a great post. In Oz Mazda is known for having a ridiculous service requirements. They charge and request a lot more inspections to keep up warranty. So that 20k Mazda is actually 25k over 3years.
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# ¿ Jul 13, 2015 05:13 |
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Spiffness posted:https://www.reddit.com/r/wallstreetbets/comments/3e42hc/well_fuck/
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# ¿ Jul 23, 2015 04:10 |
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True automated factories are very few, they still require humans to be around in some capacity. There are a few factories that are completed automated, and the thought is these will be the norm in the very short future. This means that countries like China and India are going to have a problem when the Western countries can now produce equally cheap poo poo without human suffering (ironically, creating human suffering maybe even longer term). If we move to complete automation, where even our supermarkets are stocked by robots of some kind, then yes the jobs will decrease. I think the difference between the aforementioned automation and the automation of the industrial revolution is the net number of jobs created. If robots could create robots then if that number even considers approaching 0 there will be problems. this is all theoretical bullshit and it will be really interesting how people and governments react to this level of automation. I'm looking forward to the clusterfuck that it will create!
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# ¿ Jul 26, 2015 04:42 |
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Pompous Rhombus posted:You can't do that, right? Would otherwise seem like a good way to get that pesky non-discharable-in-bankruptcy debt dischargeable. I guess you couldn't really make much of a dent in the really apocalyptic student debt you'd want to try such a scorched-earth policy on though... I think it;s a good idea if you could pull it off. Even if you can get a single credit card with 0% for at least 12 months then that would help a lot.
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# ¿ Jul 28, 2015 07:41 |
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Complete derail: is codeschool any good? Have you looked into coursera and edx?
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# ¿ Aug 6, 2015 02:51 |
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Pompous Rhombus posted:If pensions were still a thing, sure. Pay more attention to the finer details, they need the camper van taken to a certain location within a specific time. If I remember correctly, usually you are rushing to get there and can't take your time.
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# ¿ Aug 12, 2015 07:16 |
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last laugh posted:Literally just googled "islamic mutual funds" and was given pages of funds that invest in Halal securities. I was the same at his age, interest it is haram! But then my parents bought a house using a mortgage. Still my parents believed interest is haram! My brother got a rent to buy car which ended up costing him 10k more instead of just getting a loan. From the beginning I realised that inflation eats away at your savings but ever time I googled about how to deal with interest and inflation I read the same junk: inflation is a result of interest and both are haram . You're not even allowed to receive interest to counter inflation. I've always wondered if religious people get upset when they see prices go up. It gets fairly interesting when the word for interest in arabic translates to usury (excessive prices) but interest is haram! Also the reason he won't invest in those managed funds is because they probably invest in banks or "haram" companies. Even if a company sells alcohol or pig products, it's haram. P.S says he looks at porn.
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# ¿ Aug 18, 2015 01:57 |
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Devian666 posted:It took a long time before interest and banking became acceptable to Christians. Work arounds to bend the rules were used a lot including foreign exchange fees (which just concealed interest as the fees related to the length of the loan). On the topic of interest becoming acceptable to Muslims; it's moving that way but in a very odd direction. The first bank my parents went with for the mortgage was an "islamic" bank which actually derived all its income streams from the big 4 banks in Australia. They charged a crazy 12% interest, of course this was around the time the interest rate was dropping but they weren't passing off the savings. Once my dad realised he was getting screwed (like 6% screwed) he changed banks. The loving loan manager calls him up and begs for my dad to change his mind ("brother how could you do this to me") but my dad being a stubborn arab (god bless that side) refused even when offered 4% reduction. He went to the big 4, got a variable interest rate and just this year paid everything off. gently caress MCCA they are cunts. So the point of this story? Muslims are starting to realise that interest is intrinsic part of our economy and have started to device ways of ripping their fellow brethren by wording the loans differently and charging them 50% more. Ironic how this is acceptable but standard rates are considered usury. One of the few good things about my family is their lack of debit, but their opportunity for mobility is hindered. Only in numbers do they overcome it (i.e we all actually chipped into the mortgage, all 5 kids).
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# ¿ Aug 18, 2015 07:44 |
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Devian666 posted:The ultimate in bad with money: that $2m worth of gold and silver I keep in the spare bedroom has gone missing.
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# ¿ Aug 25, 2015 05:50 |
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Devian666 posted:I'm pretty sure problems relating to immortality can be resolved by chopping people's heads off.
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# ¿ Sep 3, 2015 04:07 |
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Devian666 posted:The problem I have with this is that I'll be 68 when the peak retirement population hits. I might have to expand my weapon collection.
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# ¿ Sep 3, 2015 04:45 |
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Anyone got experience in "churning" (if that's the correct term) credit cards that are attached to frequent flyer programs? I've seen heaps of credit cards that offer 10k points if you sign up, with a year free. I haven't read the conditions properly but I know the first year is free, you're required to spend a certain amount on the card within a specified time period. What's stopping me from putting my groceries for a month on the credit card, getting hte points then legging it (cancelling)? Is it illegal?
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# ¿ Sep 15, 2015 06:03 |
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BossRighteous posted:Does it not just obliterate your credit score having 12+ open credit lines? pig slut lisa/Devian666: Thanks for the info.
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# ¿ Sep 15, 2015 08:03 |
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Breetai posted:Boomeranging after being made redundant due to a reorg, realising that buying a house in Australia on a single salary is generally beyond the reach of sanity, and deciding to swallow my pride and staying put after I quickly found a better job and putting 80% of every single paycheck directly into a bank account and completely forgetting it exists for 5 solid years. My car is literally old enough to vote (1995 Nissan Pulsar Q Hatchback - I swear the fucker's indestructible even though I take the bus to work every day and only really use it on weekends), I only got a smart phone 2 years ago after I accidentally left my Nokia brick in my jeans in the wash (Sony Xperia Sola for $cheap) and only got mobile internet data 2 months ago after a recent raise could justify me increasing my discretionary spending so that I pay $30/mo on mobile rather than $15/mo, and the only real holiday I've been on in this period was a long weekend trip up to visit my best friend after she moved up to Melbourne (paid for by sticking any cash I had of the 20% I allow myself to access every week into a piggy bank until I had enough for tickets and spending money), but on the bright side I've enough money to comfortably buy a house by the end of the year and not only maintain it, but live on something other than ramen noodles for the next 30+ years of my life.
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# ¿ Sep 22, 2015 01:19 |
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Breetai posted:Definitely considering it - the budget I'm planning has a lot of provisions for putting aside regular amounts of money for ongoing expenses (medical, emergency fund, emergency home repair, 10% of net pay into long term savings) and I may as well have that money working for me at maximum efficiency. I'll crunch the numbers when I'm at the stage of comparing loan options. Personally I'd rather have liquid capital, you never know what might happen in the future and you may need to move.
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# ¿ Sep 22, 2015 06:17 |
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Devian666 posted:Bad with money overdrive. Star Citizen has blown $82m of $90m and achieved nothing. There is no game. Additional bad with money I funded the game for $30 so I've just requested a refund as it's clear they'll never try to make the game they initially promised. Kickstarter is an insane concept and I have no idea why people actually put money down. If the people are held to SOME standard then you could maybe not be BWM but as it currently stands... it's better to go gamble your money at the casino. I honest think part of the kickstarter service should be business support, management support etc etc that's included in the package for successful campaigns above a certain amount (similar to what some business incubators do). 90 loving million and not a adviser to be seen.... aaaaaaaaaaaahahaha
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# ¿ Oct 2, 2015 01:34 |
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# ¿ May 15, 2024 05:34 |
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MrOnBicycle posted:https://www.youtube.com/watch?v=_tV6L-wzfHY
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# ¿ Oct 5, 2015 08:15 |