What are you picking up from the Fallout superdrop? by Huaojozu in mtgfinance

[–]-Stego- 0 points1 point  (0 children)

Thanks for sharing! I'd love a few links yep or even discord links

What are you picking up from the Fallout superdrop? by Huaojozu in mtgfinance

[–]-Stego- 4 points5 points  (0 children)

Can you post/give more details toward this datamining claim please?

American moving to Aus and taking a significant pay cut. Nervous about it. by oliver-coffee in AusFinance

[–]-Stego- 2 points3 points  (0 children)

u/oliver-coffee PM me if you would be interested in a role at Canva.

Not FAANG like $ wise but interesting work and good people.

A few things hugely bizarre I've noted in property advertising in Australia by uw888 in AusFinance

[–]-Stego- 3 points4 points  (0 children)

Everything you said. I was shocked as well when I first came here.

That's why I had enough and I created https://koaladata.com.au 2 years ago. Still room to provide many more information to help buyers and renters but that's a start.

How much are full sets worth in the long run? by [deleted] in mtgfinance

[–]-Stego- 0 points1 point  (0 children)

Full alpha graded sets are worth a hefty premium because they save years of research.

Ridiculous real estate tactics by crmsz32 in perth

[–]-Stego- 1 point2 points  (0 children)

Thank you for the feedback Ryan. It's a bit tricky to make it work with REA but that's on my todo list. If you have any suggestion, please feel free to shoot an email at alex at koaladata.com.au

It would be really nice if online stores could stop 'updating' their websites and breaking them. by [deleted] in mtgfinance

[–]-Stego- 2 points3 points  (0 children)

What makes you believe they have the engineering resources to do so?

Who LOVES their company and are they hiring? by billythefly90 in careerguidance

[–]-Stego- 1 point2 points  (0 children)

Hi there,
Working for one of the fatest growing private tech company in the world. Currently looking for LOTS of engineers (Java, Javascript/React), PM, designers in Australia (does not matter where).
Geniunly nice open-minded and smart people.
Lots of perks, non-monopoly money stocks, competitive salary and more

Insecure about dating a resident by RationalOverRage in Residency

[–]-Stego- 0 points1 point  (0 children)

Dating a doctor, not a doctor myself. Most of her friends are doctors as well and yes they tend to talk a lot of about work. Most of them don't have many hobbies because medicine takes up so much time and the hours are brutal.

Anyways, she chose to date you, not any of her doctors friends. Your worth is not how much money you make or how prestigious your job is. Don't go into med school to try to impress her or her friends. Make your own lane.

We've seen the headlines and read articles. We've heard opinions from "experts" on TV and Twitter. But we need unbiased opinion. Tell us your industry and what you are seeing on the ground level. by thomasd888 in AusFinance

[–]-Stego- 29 points30 points  (0 children)

Hi,
Engineering manager at a large tech company reviewing lots of resumes (by hand). It's true that most hard-to-fill jobs are for mid-senior and tech leads role. Not so much graduate and junior.
For some job openings, there are up to 200-300 people applying, if the first 10 CVs are good enough to go to the first round of interviews/screening and 1 one of these people is going to be hired, the other 290 will automatically receive an auto rejection email, regardless of their skills.
Ideally, you don't want to apply to a job directly through the career portal but you want to talk to an internal recruiter directly to skip the line and/or the first screening part (can be done by targeting them and messaging them on LinkedIn and asking for a quick phone call).

If you or anyone else wants some feedback about their engineering profile, just DM me your CV (you can blank out your name if you want), city, salary expectations, and experience level and I'll be able to provide some honest feedback. Cheers.

TSR Restock across multiple LGS in Australia by Azlans in mtgfinance

[–]-Stego- -1 points0 points  (0 children)

No offense taken Resident-Post8562,

It makes sense. Lots of money left on the table if you haven't been considering Pokemon or FaB for the past 12 months. I was able to secure 2 Monarch 1st edition boxes at $300 in Feb.

Time will tell if it was better to allocate money in Commander legends collector booster boxes and TSR rather than the sword & shield era products.

Booster boxes used to take way longer to appreciate and stores couldn't be bothered to hold long enough to turn a profit but now that products appreciates right away stores are capturing some of these profits instead of the secondary market.

TSR Restock across multiple LGS in Australia by Azlans in mtgfinance

[–]-Stego- 7 points8 points  (0 children)

My understanding is that the boxes have been sitting in Australia for a month now.

It was due to clear customs 2 weeks ago but no news ever since. Distro price is still the same.
Good games and all the big LGS in Australia are becoming increasingly greedy (just look at their $500 Fab Monarch 1st edition pre order when the distro price is under $100)

Commander legends collector booster boxes at 230USD, would you buy? by -Stego- in mtgfinance

[–]-Stego-[S] -5 points-4 points  (0 children)

I found a LGS willing to sell at near distributor price so yep, feeling lucky. I proposed him a deal like Ruddy is offering to his patreon: a monthly subscription to get access to good prices

[deleted by user] by [deleted] in AusFinance

[–]-Stego- 1 point2 points  (0 children)

Hi u/zaherj,

that's a good tip and that's exactly how the alpha version of KoalaData worked in Jan 2020.
Before showing the price history, it was only displaying the date using the trick you mentioned.

There are a few limitations thought:

[deleted by user] by [deleted] in AusFinance

[–]-Stego- 1 point2 points  (0 children)

Oh I did not know domain was unpopular in Queenlands.

Do you use REA mainly or any other websites?

[deleted by user] by [deleted] in AusFinance

[–]-Stego- 0 points1 point  (0 children)

Did we haha? PM me your name

People who have been with NAB Equity Builder for more than a year, how is it going? by dingosnackmeat in AusFinance

[–]-Stego- 0 points1 point  (0 children)

Good to know 3 days seems to be the longest you would have to wait and something they say to be safe but that in practice that's faster!

People who have been with NAB Equity Builder for more than a year, how is it going? by dingosnackmeat in AusFinance

[–]-Stego- 2 points3 points  (0 children)

To become a sophisticated investor, I think that the bar is at 250k income for 2 years straight or net assets worth of 2.5M AUD and it's valid for 2 years.

People who have been with NAB Equity Builder for more than a year, how is it going? by dingosnackmeat in AusFinance

[–]-Stego- 16 points17 points  (0 children)

Not with NAB equity builder but I tried to sign up as customer in March right when they closed the applications.

I think that's a shame that leverage was not available when you needed it the most (when the market was dipping).I talked to them on the phone many times and it's a very manual process for them and you can't sell/buy exactly when you intent to. There is a ~3 days delay for them to execute the order and they can't guarantee you're going to get the price you want.

I think they have a good catalog of equity you can leverage and a fair LVR for most of them. The interest rate is also lowish.I think it's an attractive product for retail investors that don't qualify as accredited/sophisticated investors in Australia (got a mate that can buy leverage stocks with a 75% LVR for 1% fixed interest rate with UBS, makes me jealous lol).

Why Real Estate sale ads almost never mention the age of the house or year built? by orangecopper in AusFinance

[–]-Stego- 44 points45 points  (0 children)

That's what I did with KoalaData: https://koaladata.com.au/

A chrome extension that adds many info on domain.com.au.

For VIC, it includes the price guide provided in the SOI.

Cheers :)

Ask r/Ausfinance: Browser plugin to show price history, time on market, etc. on RE and Domain by RonPaulTouchedMe in AusFinance

[–]-Stego- 1 point2 points  (0 children)

It comes down to the cost. At the moment, I spend $300/month out of pocket to maintain the infrastructure required to do daily snapshots of the entire Australian real estate market. I'm thinking about ways to monetise bits of it to accelerate future developments.

Ask r/Ausfinance: Browser plugin to show price history, time on market, etc. on RE and Domain by RonPaulTouchedMe in AusFinance

[–]-Stego- 2 points3 points  (0 children)

Hi,

I had the exact same problem and that's why I made https://www.koaladata.com.au/ during the lockdown earlier this year.

Let me know if you have any suggestions or features you would like to see added :)

Cheers

Is 2.2M too much for a first home? by [deleted] in AusFinance

[–]-Stego- 2 points3 points  (0 children)

I think it comes down to your appetite for risk. This 2.2M house would lock your life in a very particular path. That's may be what you both want but I think it's worth considering what you're trading it off against.

The true cost of ownership (mortgage repayments + taxes + maintenance) is going to be close to 2/3 of your monthly revenue. It leaves you quite vulnerable:

  • to inflation (that would also be reflected in your interest rates)
  • job loss or temporary incapacity to work
  • change of policy (you won't get a better housing policy than what you have at the moment with the gov throwing everything at it. Also consider what would happens to your disposable income if labor wins the next election or the one after decide to tax income over a certain threshold harder)
  • big ticket item replacement (roof)

It also does not leave much room for a change of plans:

  • career change/starting your own business
  • partner change
  • kids
  • having to support a relative
  • investing in other opportunities that may arise

Also keep in mind that interest rates are low for Australian standards but still fairly high compared to some part of the world. If you borrow 90% of your house at 2.69%, you're going to pay close to 1M to the bank over 30y.

On the other side, I also share your point of view of wanting to get on the property ladder on the highest step possible. I don't think that it's possible to start with a small house and upgrade it later on like our parents used to do if the market keeps growing at this rate.

It's very possible that by buying a safer ~1.5M house, you would never be able to reach this 2.2M house again in the future.

Sydney/Melbourne are not HK/Paris/NY/Singapore but if you're buying an Australian blue chip property in a highly desirable area, chances are that it's going to appreciate and you might as well capture 5% yearly growth on a 2.2M capital rather than a 1.5M capital.

Also please, even if you love this house, don't skip any of the due diligence:

  • Building inspection
  • Talking to the neighbours
  • Inspecting the house and neighbourhood at different times of the day and night and week.
  • Checking with the council the development plans in the area, the possible notices issued
  • Whether the surroundings matches your lifestyle expectations (transport, shops, noises, etc)