od810 » user profile

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Member Since 20/07/2009
Last Seen 11 hours 45 min
Location Melbourne
Website Website

Recent Activities

PSI is quite restrictive on what you can claim as expenses
25/07/2020 - 01:18
You would expect to get 20-30% lower at least. If you are on 800-1000/day, you will get about 140-180k + super. When i did contract, to...
22/07/2020 - 15:21
If you have a mortgage, it will save you a bit and improve your cashflow. Last year i ran some number, spending everything on credit card...
15/07/2020 - 23:41
Having multiple credit card enquiries will potentially affect your score even if you don't take the cards. Having home loan enquiries...
15/07/2020 - 23:38
Don't get so caught up too much about your credit score. Unless you have default, having decent LVR + well plan spending are way more...
15/07/2020 - 23:34
Depending on your credit enquiries, it might affect your credit scores. I notice that Home Loan will boost your credit score. Utilities...
15/07/2020 - 09:23
Use creditsimple, getcreditscore and credisavvy all together, they are backed by 3 different ctedit bureaus, ildion equifax and experian....
15/07/2020 - 00:14
Hey mate, i am in the process of getting my 2nd solar system with battery through Origin VPP (i contacted their subsidiary Horen & Bird)....
13/07/2020 - 22:54
So what if i turn off the inverter or cover the panels with blanket? Does it mean i use electricity for free?
13/07/2020 - 22:46
Jemena in Vic allow 10kw per phase, 30kw for 3 phases
13/07/2020 - 22:38
Show me a no fee fund pls... I'm ready to switch. The lowest investment option I have seen with a reasonable return is International Shares...
10/07/2020 - 14:37
I just did the a few weeks back. For anz, you have to pay the fees in order to get the bonus point. Once you get the points, give them a...
09/07/2020 - 20:34
Pretty much this, heat pump or solar will require significant upfront investment. Instantaneous Gas is probably the cheapest option.
07/07/2020 - 15:45
I assume you pay IO loan? If you are paying P&I you can get down to 2.64% fixed 3 year. If you can manage cash flow, go with P&I loan, it's...
07/07/2020 - 11:38
I rarely say crappy thing on Ozbargain. But your thought process is really dumb. With the current property market, you will not sell for...
07/07/2020 - 01:06
No i mean, actual gambling in the casino :P, but i learn my life lesson and haven't stepped back in for 8 years. Then I also paid tuition...
03/07/2020 - 00:35
I don't see any problem with borrowing more when your expense is less than your income and you don't over leverage. Imagine if the OP has...
03/07/2020 - 00:29
Australians have the highest spending on gambling per capita. I have to admit, my younger self gambled a lot. I guess it's life tuition...
02/07/2020 - 18:36
Though rate in the UK is much much lower than Australia. Even with the record low interest rate @ 2% fixed term, the UK still comes out...
02/07/2020 - 18:28
Hah, that's the most common misunderstanding around negative gearing. Negative gearing is applicable for all investments not just property....
02/07/2020 - 18:11
Yup I agree, either it costs money or time and skill. For my IP, the RE agent charges 6.6% which is fine. But maintenance with an old house...
02/07/2020 - 15:19
There are few major things I do every year: - If you have your mortgage, look for better rates & cash back every year. It's literally free...
02/07/2020 - 14:36
Depends, if you do any deep learning, the RTX2060 certainly helps. $2k for a work laptop is super cheap. My previous work laptop was $4.5k...
02/07/2020 - 10:53
They will go after your other assets. If other assets can't pay off the rest of the debt, most likely you will have to file for bankruptcy....
02/07/2020 - 10:03
Hey mate, I think you did the right thing to cut the loss early, investment is never easy. People love property investment because they can...
01/07/2020 - 23:24
Yup average 15-17l/100km urban driving. Unless you like the space or need the 3re row, kluger is a waste
22/06/2020 - 04:25
We use pampers, worked out about 35cents ($57 with S&S for 160 pack) per nappy pants... it's much much better. Give it a try, you will see...
17/06/2020 - 14:10
Does it work with Air Con?
17/06/2020 - 09:24
Please, just don't install this... unless you value all your internet browsing history for 500 QFF. EDIT: actually just think about it...
14/06/2020 - 00:55