ginormousgiraffe » user profile

Not much point taking a lower rate when both are effectively risk free. 1% returns over your entire working life will make a significant…

Fair but the market only expects the rate to drop another .6% over the next 18 months. I wouldn't expect lenders to drop it any more than…

Why would you ever put it in a term deposit while savings accounts offer over 5% with little to no downsides? There are 15+ over 5%…

That's a very narrow view of the impact of these changes, the reality is that lower rates will have a number of impacts. The RBA keeping…

Eh we had below expected inflation for 6 years prior to the recent increase, in fact our 10Y inflation mean is within bounds

Property price changes react slowly, but either way the RBAs role isn't to control property prices

Doubt it. The effect of rate changes take 6-12 months to be seen, I expect inflation to slowly ease into the 2-3% range despite the rise.

Agree and also consider which bank you expect to pass on all the rate cuts for at least 12-18 months or you'll be back looking again

If your LVR is under 70 and you're borrowing over 750k I'd be surprised if you weren't able to get under 5.8% with a big bank or 5.7% with…

The popular ones get way more stock in so not a sure way of knowing

Pretty sure the distance is irrelevant in the eastern states at least. If the truck turning into the cyclists lane would cause a collision…

I was there before that so couldn't comment, but my ride they have there is the flying dinosaur.

Yes. I went with the fast past so I had a set time to get in. I like Nintendo/Mario, but it was still overcrowded. The setting was nice but…

Unless you're a Nintendo mega fan or under 16 super Nintendo world will be underwhelming imo.

I would get the other one that doesn't go via HK just so you don't have to deal with random quirks that may impact using websites. I used…

They would need to increase the costs of fares 5x just to break even, and we all know private corporations are only in it to break even...

You're the one that changed the goalposts champ. Classic cope from someone that speeds regularly and drives aggressively that thinks the…

Do yourself a favour and look up the leading cause of road accidents in Australia... It's still speeding. Morons that say slow drivers…

The road death toll ever since they started tracking always has speeders as the leading cause of deaths, not slow drivers.

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They make their money offering people shit rates for the bank to hold their money and lending that out at 100-200 bps margin

Just say no and donate a bit more to a charity that resonates with you every now and then instead of letting whichever company take the…

Some guy told me that he would double my money. Pretty costly scam to be honest, got me for about 50k.

Get the classic tees minimum, don't be tempted by the cheaper varieties.

I didn't say it's right or wrong, just that they are not licenced to provide advice. I can't give advice, but it is impossible to recommend…

Throwing a 'this isn't financial advice' disclaimer on your share tip is like writing 'this isn't a confession' on a bank robbery note. It…

You can't just say this is not financial advice and then give financial advice for what it's worth too.

Went with a Venu 2, very happy with it considering I got it for $450 or so if I recall correctly. Without going into too much detail, the…

That's good, maybe they changed how they package international orders.

Every time I have ordered from Amazon US or UK the boxes have come destroyed, might not be the best if you care about this.