SeVeN11 » user profile

Google Pixel 10 Series over at Harvey Norman as part of their current mobile phone sale. There are huge direct savings on the Pro and Pro…

S25+ seems better in every way except the camera.

guess people like optus more than amaysim

$150 extra for the 256gb model. that sucks... i'm already out of space on my 128gb pixel.

Thanks. been looking for something to switch to that has decent data.

RBA is the source of money creation because they are the only one with the money printer. This is the 'monetary' money. Most money in…

I agree with everything you just said, we're on the same page. I'm just pointing to the fact that banks can't more any more once they are…

Government issues government bonds, the reserve bank prints money to buy them. That's how printed money is created. Banks can't print…

Sophisticated investors don't own much in their name, they usually use tax friendly and legal structures to hold their assets to legally…

If you're close to 60, you most probably want to maximise your super as much as possible. Catch up on all your unused concessional…

Actually just found the device. One of my kid's friend picked it up and had it in their parents car the whole time so I was tracking their…

Got this from last deal. My kid dropped/lost one and we're pretty sure it's sitting on a bus. You would think I'll be able to track it…

Might be cheaper to be on a ship for 18 days with rent, food and entertainment all paid for. Less than 1300/week for two. That's 67.6k a…

This or $3,328.96 for a [2 weeks cruise](https://www.ozbargain.com.au/node/953246) with full board for two. Hard choice.

i'm not sure why nobody just spend it all on a big ass gold ring instead. I know the gold ring is traditionally the engagement ring, maybe…

100% correct. Not sure why anybody would have a large pile of cash in a bank account when they can be offsetting their mortgage interest…

I know, i'm just saying cash in the offset account shouldn't be counted because it's netting off the debt. I then use an example where i…

When you borrow $1m from the bank, the bank also gives you $1m cash. It balances out to $0 (which is exactly my point) But you still have…

Because anybody can go borrow money and release equity in their house and put it into their offset. It's free to do and you now have "cash"…

Or they just borrowed 2m and parked it there doing nothing. It's the same thing.

If I go to bank and borrow money against my equity in my home and get 1m out and transfer that to my offset. I just created 1m out of thin…

If I have a house worth $1m and no loan with no cash in the bank. I would say I have no cash. If I then go to the bank and borrow 800k and…

You're asking the wrong question. These are not senseless/unnecessary wars. "He who controls the spice, controls the universe" Ukraine…

Usually the Chinese or Korean ones... When their brand is not well known here, they have to dangle the long warranty for anybody to…

If you buy a property for $1m and you sit on it for 20-30 years, say its now $4m. you'll be sitting on $3m of capital gains tax. Even with…

stamp duty is ~4-5% and agent fee is ~2-3%, so you need the price to be ~6-8% before you break even. i.e. you only move if its…

Don't do this. You'll be paying non deductible interest on a house that's too large for you for 30 years. What you gain in tax free capital…

Best to leverage before 35, and build liquidity so you can make work optional earlier while you give your leveraged investment more time…

Have you considered renting from family? Like your inlaws or parents, even siblings. Make things way easier. Becomes stress free and also…

Estimation of comfortable retirement 1) Age pension for couple of ~40k 2) 50k for rent or equivalent 3) 40k for 2-3 holidays a year or save…