od810 » user profile
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| Member Since | 20/07/2009 |
|---|---|
| Last Seen | 11 hours 45 min |
| Location | Melbourne |
| Website | Website |
Recent Activities
od810 replied to 
locknuts on Employer Wants to Convert My Employment Type from Contractor to a Permanent Position - What Kind of Things Should I Ask/Know?
locknuts on Employer Wants to Convert My Employment Type from Contractor to a Permanent Position - What Kind of Things Should I Ask/Know?PSI is quite restrictive on what you can claim as expenses
od810 commented on Employer Wants to Convert My Employment Type from Contractor to a Permanent Position - What Kind of Things Should I Ask/Know?
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...
od810 replied to nick90 on Commbank CBA Low Rate Credit Card $200 Cashback if You Spend $1,000 by 31 January 2021 (Existing CBA Customers)
nick90 on Commbank CBA Low Rate Credit Card $200 Cashback if You Spend $1,000 by 31 January 2021 (Existing CBA Customers)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...
od810 replied to puffingmuffin on Commbank CBA Low Rate Credit Card $200 Cashback if You Spend $1,000 by 31 January 2021 (Existing CBA Customers)
puffingmuffin on Commbank CBA Low Rate Credit Card $200 Cashback if You Spend $1,000 by 31 January 2021 (Existing CBA Customers)Having multiple credit card enquiries will potentially affect your score even if you don't take the cards. Having home loan enquiries...
od810 replied to AussieDaddy on Commbank CBA Low Rate Credit Card $200 Cashback if You Spend $1,000 by 31 January 2021 (Existing CBA Customers)
AussieDaddy on Commbank CBA Low Rate Credit Card $200 Cashback if You Spend $1,000 by 31 January 2021 (Existing CBA Customers)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...
od810 replied to AussieDaddy on Commbank CBA Low Rate Credit Card $200 Cashback if You Spend $1,000 by 31 January 2021 (Existing CBA Customers)
AussieDaddy on Commbank CBA Low Rate Credit Card $200 Cashback if You Spend $1,000 by 31 January 2021 (Existing CBA Customers)Depending on your credit enquiries, it might affect your credit scores. I notice that Home Loan will boost your credit score. Utilities...
od810 replied to AussieDaddy on Commbank CBA Low Rate Credit Card $200 Cashback if You Spend $1,000 by 31 January 2021 (Existing CBA Customers)
AussieDaddy on Commbank CBA Low Rate Credit Card $200 Cashback if You Spend $1,000 by 31 January 2021 (Existing CBA Customers)Use creditsimple, getcreditscore and credisavvy all together, they are backed by 3 different ctedit bureaus, ildion equifax and experian....
od810 replied to od810 on [NSW] Free 6.6kW/5kW Solar System: Pay 10.8c/kWh (10% off) for Solar Electricity for 5 Years, Full Ownership after @ Powapower
od810 on [NSW] Free 6.6kW/5kW Solar System: Pay 10.8c/kWh (10% off) for Solar Electricity for 5 Years, Full Ownership after @ PowapowerNvm i understand the model.
od810 replied to JAP01 on [NSW] Free 6.6kW/5kW Solar System: Pay 10.8c/kWh (10% off) for Solar Electricity for 5 Years, Full Ownership after @ Powapower
JAP01 on [NSW] Free 6.6kW/5kW Solar System: Pay 10.8c/kWh (10% off) for Solar Electricity for 5 Years, Full Ownership after @ PowapowerHey mate, i am in the process of getting my 2nd solar system with battery through Origin VPP (i contacted their subsidiary Horen & Bird)....
od810 commented on [NSW] Free 6.6kW/5kW Solar System: Pay 10.8c/kWh (10% off) for Solar Electricity for 5 Years, Full Ownership after @ Powapower
So what if i turn off the inverter or cover the panels with blanket? Does it mean i use electricity for free?
od810 replied to netjock on [QLD] 10.4kW (26*400W) Seraphim Blade MONO Half Cells/8kW Growatt Inverter Fully Installed $4989 @ Reliance Solar (Brisbane)
netjock on [QLD] 10.4kW (26*400W) Seraphim Blade MONO Half Cells/8kW Growatt Inverter Fully Installed $4989 @ Reliance Solar (Brisbane)Jemena in Vic allow 10kw per phase, 30kw for 3 phases
od810 replied to Diji1 on eBay AU: up to 6% (Was 3%) Cashback to Your Superannuation @ Boost Your Super
Diji1 on eBay AU: up to 6% (Was 3%) Cashback to Your Superannuation @ Boost Your SuperShow 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...
od810 replied to DevlicK on ANZ Frequent Flyer Black 100,000 Qantas Pts (Plus 30,000 after 12mths) 75 Status Credits $150 Back ($3,000 Spend) $425 Fee
DevlicK on ANZ Frequent Flyer Black 100,000 Qantas Pts (Plus 30,000 after 12mths) 75 Status Credits $150 Back ($3,000 Spend) $425 FeeI 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...
Pretty much this, heat pump or solar will require significant upfront investment. Instantaneous Gas is probably the cheapest option.
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...
I rarely say crappy thing on Ozbargain. But your thought process is really dumb. With the current property market, you will not sell for...
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...
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...
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...
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...
Hah, that's the most common misunderstanding around negative gearing. Negative gearing is applicable for all investments not just property....
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...
od810 commented on How do you save or be thrifty with money?
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...
od810 replied to 
edfoo on ASUS TUF Gaming Laptop Ryzen 9 4900H FA506IV-AL011T 15.6" Notebook Win 10 $2159.10 + Delivery @ Computer Alliance
edfoo on ASUS TUF Gaming Laptop Ryzen 9 4900H FA506IV-AL011T 15.6" Notebook Win 10 $2159.10 + Delivery @ Computer AllianceDepends, 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...
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....
od810 commented on Forced to Sell Investment Property at a Loss ~100k
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...
Yup average 15-17l/100km urban driving. Unless you like the space or need the 3re row, kluger is a waste
od810 commented on Huggies Ultra Dry Nappy Pants Girls (4 & 6) Boys (4) Bulk Packs $34 or $28.90 S&S + Delivery ($0 with Prime/ $39) @ Amazon AU
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...
Does it work with Air Con?
od810 commented on 500 Bonus Qantas Points on Top of A $100+ Purchase Made by Shopping through The Points Prompter @ Qantas.com
Please, just don't install this... unless you value all your internet browsing history for 500 QFF. EDIT: actually just think about it...