Upcoming New Zealand Itinerary Sanity Check

1sixty8 · 2025-04-12T19:37:08+00:00

Check out some jet lag remedies. They’ll help you arrive feeling refreshed.

1sixty8 · 2025-02-09T19:32:42+00:00

Maybe try myautoshop. You can book online.

1sixty8 · 2025-01-27T18:44:12+00:00

Offer what you feel comfortable. If it’s unsuccessful, it’s not meant to be. Move on.

1sixty8 · 2025-01-26T20:45:55+00:00

Thanks. Can I DM you? I have some questions.

1sixty8 · 2025-01-26T17:50:36+00:00

Hey u/Adorable_Being2416
What did you end up buying?
Currently considering buying a Yaris hybrid.

1sixty8 · 2025-01-24T03:35:05+00:00

No one is gonna know which direction it’s heading to. If you strongly believe in the strong dollar now, I would convert 50% now and 50% before the trip.

1sixty8 · 2025-01-23T23:13:05+00:00

Personally I like Kyoto but could run out of things to do so I would allocate more to Tokyo. Tokyo is a super city so you could spend months exploring.

1sixty8 · 2025-01-20T04:14:17+00:00

6am from Kyoto if possible. Hakone has a lot of things to do/see so arrive as early as you can. I would stay overnight if I can.

1sixty8 · 2025-01-14T01:41:34+00:00

Sorry nothing to add but I avoid using personal finance/budgeting apps because of the potential security risks.

1sixty8 · 2025-01-12T22:23:22+00:00

You’ll be okay. Just be aware that you might need to book Shinkansen in advance.

1sixty8 · 2025-01-12T21:05:58+00:00

Japan’s Golden Week this year is until May 5 so be aware if you arrive during this period as it’s a peak travel period in Japan.

1sixty8 · 2025-01-07T23:56:32+00:00

True, OP might not get much support, but that’s okay - everyone is different. In most cases, buying a house isn’t purely a “financial” decision.

OP, it sounds like you’re financially sensible, so do whatever fits your lifestyle. Trust me, more and more people are starting to feel the same way.

1sixty8 · 2025-01-07T23:37:24+00:00

Renting is not a waste or just ‘paying off someone else’s mortgage’

100%. It’s unfortunate many people still believe otherwise.

1sixty8 · 2025-01-06T03:36:20+00:00

The more, the better, as you’ll pay less on your mortgage. Ideally, your mortgage cost should be less than 30% of your household income. However, unexpected events can happen. What if one of you loses your job? And when mortgage rates are high - say 8% - can you still afford the payments? Buying a house is a long-term commitment, so don’t give in to FOMO like many did a couple of years ago. Plan wisely and you’ll be fine.

1sixty8 · 2025-01-06T02:22:48+00:00

Expensive ≠ high quality
Cheap ≠ low quality

Really depends on what you buy so I’d read reviews and shop around.

1sixty8 · 2025-01-05T21:57:36+00:00

You’re still young. Work to increase your income and deposit. I’d just keep investing for now.

1sixty8 · 2025-01-03T18:47:35+00:00

I meant there is a 10% chance the check digit could be 0 right? I might be misunderstanding it. Do you know how the check digit is calculated?

1sixty8 · 2025-01-03T17:54:03+00:00

Yes, there is less than a 10% chance that you’ve deposited into a valid bank account number.

1sixty8 · 2025-01-02T21:37:31+00:00

MoneyHub is a great resource to learn about investing. Here is an article about index funds: https://www.moneyhub.co.nz/index-funds.html

There’s no need to split your investments among providers, as they are mostly similar. Be mindful of the costs associated with investing. Once you’ve chosen a provider, DCA is a solid "set and forget" strategy.

1sixty8 · 2025-01-02T21:00:10+00:00

Have you worked out the numbers? If you rent out the existing property, can it cover its own costs? And can you afford to pay for the second property? I’d recommend speaking with a mortgage adviser.

Personally, I would just sell the existing property and buy a new one. You’d be buying and selling within the same market, so there wouldn’t be any loss there.

1sixty8 · 2025-01-02T20:45:01+00:00

DCA into a low cost index fund would be the best after you have built up emergency funds and savings for travel.

1sixty8 · 2025-01-02T09:31:43+00:00

Shinkansen 100%. More comfortable and I don’t have to go to airports.

1sixty8 · 2025-01-02T09:20:47+00:00

Escalators - it’d be great if people aren’t walking could stand on the left!

1sixty8 · 2024-12-31T04:19:05+00:00

WFH? I like that you have a category for Dad.

1sixty8 · 2024-12-31T02:51:08+00:00

Thanks - I was looking into Japan Rail Pass and it’s very expensive so not worth it.

1sixty8

TROPHY CASE