changyang1230 » user profile
| Member Since | 07/09/2010 |
|---|---|
| Last Seen | 22/04/2024 |
| Location | Melbourne |
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Agree - your calculation is how the exact calculation should be done. On top of this I also calculate the cost of money ie how your home…
Precisely the reason why I made my own calculator. https://www.reddit.com/r/AusFinance/s/cZHHEjfTXa NL quotes give the figure of “tax…
It is only relevant only if your decision at five year marks is to sell for NL vs is to keep for cash purchase. If your decision is the…
I’m the guy behind the spreadsheet shared earlier and had personally helped a few dozens of people with their quotes. The issue with…
changyang1230 commented on (EV Geek Talk) an Observation on Charging Efficiency - Outlander PHEV MY2024
You are conflating two different things here. One is the difference between fridge sticker range and the real world range; the other being…
Yes I concur that if job stability is a concern, then rolling over multiple shorter leases is a reasonable strategy that hedges the risk.
The “12/13 month is the sweet spot for NL” is not applicable for FBT-exempt NL for EV. My spreadsheet goes through this extensively and…
Except this hasn’t really resulted in any known EV fire from collision so far in Australia. Of the handful of “EV fires” reported in…
changyang1230 replied to 
dlakers3peat on [QLD] Tesla Model 3 Long Range AWD MY23 (Old Model, Less than 50km on Odometer) $63,570 + On-Road Cost @ Tesla
dlakers3peat on [QLD] Tesla Model 3 Long Range AWD MY23 (Old Model, Less than 50km on Odometer) $63,570 + On-Road Cost @ TeslaIf you smell dung everywhere you go… check your own shoes.
changyang1230 replied to 
Ozbargainite on Novated Lease Is It Normal for Setup Cost and Originator Fee in Addition to Ongoing Management Fees
Ozbargainite on Novated Lease Is It Normal for Setup Cost and Originator Fee in Addition to Ongoing Management FeesNL is however a good deal for many people in the right set of circumstances. I am saving 46,000 dollars over 5 years so I don't know where…
changyang1230 replied to Ozbargainite on Novated Lease Is It Normal for Setup Cost and Originator Fee in Addition to Ongoing Management Fees
Ozbargainite on Novated Lease Is It Normal for Setup Cost and Originator Fee in Addition to Ongoing Management FeesThat’s a bit obscure - you mean pass as in not taking it up?
changyang1230 commented on Novated Lease Is It Normal for Setup Cost and Originator Fee in Addition to Ongoing Management Fees
All the calculations you ever need for EV novated lease.…
changyang1230 replied to 
trankillity on Looking at Novated Leasing a Cupra Born - Any "Gotchas" or Questions I Should Ask before Committing?
trankillity on Looking at Novated Leasing a Cupra Born - Any "Gotchas" or Questions I Should Ask before Committing?Haha! I only have the Tesla referral link which I do get some constant stream of thankfully. What sort of other “buy me coffee” options…
changyang1230 replied to trankillity on Looking at Novated Leasing a Cupra Born - Any "Gotchas" or Questions I Should Ask before Committing?
trankillity on Looking at Novated Leasing a Cupra Born - Any "Gotchas" or Questions I Should Ask before Committing?Yes it’s my baby :) thanks for the glowing review.
changyang1230 replied to Seksistefan on Novated Lease for Car (PHEV) - Which Provider Gives Reasonable Interest Rates?
Seksistefan on Novated Lease for Car (PHEV) - Which Provider Gives Reasonable Interest Rates?OP’s “post tax” line is “what the pre tax is equivalent to post tax”; not in addition to the pre tax. OP is on 37+2% tax bracket…
changyang1230 commented on Looking at Novated Leasing a Cupra Born - Any "Gotchas" or Questions I Should Ask before Committing?
All the calculations you ever need for EV novated lease.…
Sorry for late reply; I’m not very active here and your tag didn’t notify me. The repeated 1-year leases works if the NL company is…
Might get back to you next day or two, just about to leave for a trip. :)
Oh wow NL companies are now forcing people to budget the unrealistically high maintenance figure?? What a bunch of crooks. This reason…
Incorrect. Longer lease achieves more saving for EV. "Shorter lease is more effective" used to be the case for ICE's novated lease; however…
changyang1230 commented on Another EV Novated Lease Question
Hi there! The reddit calculator author here. I just tried to run your numbers. A few things. - Your actual quote doesn't seem to match the…
It's great to see a positive comment likes yours instead of the obligatory "damn it one star because I paid for it and it's now free!!"…
changyang1230 replied to leiiv on English BigDict for iPhone/iPad/iPod Touch - FREE Via iTunes (Normally $11.99) EXPIRED
leiiv on English BigDict for iPhone/iPad/iPod Touch - FREE Via iTunes (Normally $11.99) EXPIREDYou can just look up any word in the app itself and compare it to the corresponding page in wiktionary.
changyang1230 replied to lovedeals on English BigDict for iPhone/iPad/iPod Touch - FREE Via iTunes (Normally $11.99) EXPIRED
lovedeals on English BigDict for iPhone/iPad/iPod Touch - FREE Via iTunes (Normally $11.99) EXPIREDThis bigdict app copied everything from wiktionary.org and it didn't even include an attribution anywhere in the app. This is in violation…
changyang1230 replied to 
KLoNe on Mini Pig Keychain Flashlight 10 Pcs $1.98 Free Shipping from Lightake.com
KLoNe on Mini Pig Keychain Flashlight 10 Pcs $1.98 Free Shipping from Lightake.comNot for ten of them
You can always delete them and reinstall the individual apps only when you need them. Even when the price go back up, as long as you…
Is there any HDMI out port?
Did we ever pay 1.99 for USD 0.99 items?
changyang1230 replied to 
POWERevolution on Free iPhone Lonely Planet Prague City Guide 02 NOV [WORKING NOW]
POWERevolution on Free iPhone Lonely Planet Prague City Guide 02 NOV [WORKING NOW]It seems that the app changes the price in different stores at different time. For example the Melbourne one was free on Australian store…
changyang1230 commented on Dell Vostro 3500 Laptop (i5 450M, 4GB Memory, 320GB HDD, Win7 Pro) - $659.40 Delivered [Soldout]
Even better than the Lenovo G560 deal the other day!
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