NardDog » posts

DSLR sensor cleaning in Melbourne

My out-of-warranty Nikon DSLR has got a ton of dust on the sensor, very visible in long exposure shots. I'm hesitant to clean this myself - what price range can I expect a professional clean? …

Casual salary packaging

I recently got a new casual job paying $45 per hour that offers salary packaging. However, as I don't anticipate working many shifts this year (maybe only 100 hours or so), I'm not sure if …

When to Get Car Serviced

Basic question about car servicing schedules. Should I get my car serviced just at the intervals outlined in the logbook? My car has 51,000 km and would need a 45,000 km and 52,500 km service as per …

Qantas Points

Should I Get Frequent Flyer Points?

I’ve never really been bothered with frequent flyer points (I fly just a couple of times a year at most), but I do have a QFF account (only 35k points though). However, I’m planning on travelling …

Peter Jackson

Peter Jackson Suit Sizing

There's a suit I want to buy from Peter Jackson online, but it seems like the trousers sizes are fixed with the suit sizes? Example here: https://i.imgur.com/yOXv9vc.png. I'm assuming …

Tips for Private Sale Before Auction

As a potential home buyer in Melbourne, I've spotted a unit of interest that is being advertised for private sale ($610-650k) with several open inspections before it goes to auction in early …

AIA Vitality

AIA Vitality Options

I’ve stumbled across AIA Vitality and was hoping to get a better understanding of whether it’s worthwhile. For background, I’m currently paying close to $30 per month for extras cover and …

Apartment Dilemma - Buy or Rentvest

My partner and I are first home buyers in Melbourne who, until this week, were considering buying a FHOG-eligible PPOR apartment near our workplace with the intention of working at the same place for …

"Non-Negotiable" Asking Price on Apartment

Currently apartment hunting in Melbourne and have found one that ticks all our boxes. It's an apartment that the developer has apparently been holding on to for his daughter who no longer needs …

Apartment Above Cafe, Would Noise be a Concern?

Currently looking to buy an apartment and have found one that fits our requirements, but it sits directly on top of what is currently an empty space which will soon be developed into a cafe. With …

Mortgage vs. super

Generally speaking, is there a better option out of: 1) Keeping money in an offset account for your mortgage (and/or making extra repayments) vs. 2) Salary sacrificing extra super payments?

Drawbacks with West-Facing Apartments?

Hi all, I'm shopping around for an apartment and have found one of interest, but lo and behold, its windows are west-facing. However, the downside of intense summer sun is seemingly cancelled …

Freedom Lend

Any experience with Freedom Lend?

I'm currently comparing variable P&I loans for an owner-occupied first home (offset desirable), and Freedom Lend's 3.04% rate is standing out (particularly with no fees for loans …

Using mobile broadband at home

Hi all, I'm moving into a new property which I've discovered has no ports for ADSL and is not NBN ready, so I'm turning to mobile broadband now, specifically eyeing the Optus 200 …

Buying Samsung Galaxy Watch 46mm

Hi all, I'm looking to get a Samsung Galaxy Watch 46mm but have unfortunately missed all the deals in the past month. Especially with Black Friday etc. coming up, should I anticipate more …

[VIC] Breaking lease with 1 month remaining

Hi all, This may be a silly question as it is my first rental, but I am hoping to break a 12 month lease at the 11 month mark. Looking at all the fees involved – including potentially paying rent …

Negotiating Gym Membership Fees

I'm with a 24 hour gym who is now offering a deal for new members that's cheaper than what I'm currently paying. Would I able to negotiate a cheaper membership as an existing member? …

Anytime Fitness

Will Anytime Fitness price match?

I'm planning on joining a gym near me in Kew, VIC - currently Jetts is cheapest on my list with a cheaper base rate + $0 joining fee but I prefer Anytime Fitness. I've got a trial at both …

Can I leave energy plan early?

I'm moving into a new property, currently looking at utilities for the next 12 months. I've noticed that some contracts are longer but have no exit fees – for example, Simply Energy has …

ADSL plan

I'm moving into a new apartment and will need internet, but NBN isn't available in the area yet so it'll have to be ADSL. Most of the plans I'm looking at seem to require an …

When to buy Samsung Galaxy S8 Plus?

I'm keen to get an S8 Plus before Christmas, but there aren't really any deals at the moment as far as I'm aware. Would prices likely be slashed in the lead up to Christmas? …