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is this the metal one ? looks niice . used to be in black before .

CBA, ANZ, NAB, WPC ,MQG

Depends on the type of credit and the bank. Grade A banks like the big 5 or the larger ones will easily decline a loan based on character ,…

Serial churner here as well. I agree Amex does not like churners, ( only card i have ever been declined for was amex). But banks are…

Qantas has been Shite for a long time now. Few years back we were travelling to Syd from Tas via melb , 4 of us and with check in luggage…

I'd go for at least a 450mm belt if you intend to run( or even jog) , for walking 420mm is fine ( for smaller framed and those with smaller…

its a pass for me, belt width seems to be 400mm , which is too narrow, plus with manual incline, its not worth it. No wonder they cant sell…

there was a $20 code as part of lightning deal which is over now ( weirdly gave a $16, not $20 discount to bring it to $43), now back to $59

Thanks OP, had been a couple of years since i had a Talisker in my rotation. Its a very niice whisky.

Yeah mate, my strategy was as below(does not seem it will work) I was more thinking along the line of a sub $35k car to replace the second…

I did, his advice was buy an investment property Lol .

Hey Mate, Thanks for making the spreadsheet public, pretty detailed and informative. I was more thinking along the line of a sub $35k car…

yea, but even the batteries are improving rapidly, for ex 2 years back a 50kw battery pack would be considered good, with a charging rate…

Yeah , makes sense once you factor in fuel in the mix I guess.

There is a distinct difference between taxable income and wealth or "being rich". Most wealthy people will only declare minimal private…

interested if you have factored in the possible higher depreciation and writeoffs on EVs with new tech coming in all the time. I mean…

yup , inflation plus property prices means $250k is what $100k was 10 years ago, but the tax brackets are still the same . The govt's…

Its all good mate , 2 minds or a few hundred are better than mine alone i guess. Thats why i thought wouldnt hurt to ask the community

Lol got it now, was just on my second coffee for the day

Yeah, starting to look like the residual rates are fixed , in that case, NLS would not work out as that would involve replacing my existing…

What for mate, you don''t know me, i don''t know you . What do i get from bragging to you or this community. That was more of a context as…

i did see that , while a very nice and detailed spreadsheet , it compares the savings to be had for someone who is purchasing a primary car…

Lol was expecting the outrage as when i reread the post . While i recognize and appreciate that Im fortunate to be in this position , the…

Yeah, if its your primary car with lots of kays i guess it can work out . what a SMB?

based on 30c/kw, that works out to $450/year , with 10k kms and basing 400k's per full charge ( normal consumption would be .15kw /km) on…

From my limited understanding fuel costs are immaterial during the lease ? its all packaged into the lease anyway . PHEV does not allow you…

Yeah,thats a bit better , gotta speak with a nl provider about this , so say 34% over year 1 and another 34% for year 2 so a total of 68%…

If novated lease is worth it or not , for ex if anyone knows of any nl lease providers can offer a lower residual which could make the nl…

Hello Lovely People Was wondering if i could run this past you people who have done a Novated lease . Got sick and tired of being bent over…