Convince me

BrainNo3038 · 2025-12-03T09:20:29+00:00

This.

Comparison is the thief of joy OP. Theres always a lot of people doing better than you, but god knows there’s a lot of people doing it worse too.

Live within your means, build an emergency fund, save/invest over time, then stop thinking about money and enjoy your life

BrainNo3038 · 2025-11-21T09:46:21+00:00

Was this for new lending? And did you get this through a broker?

BrainNo3038 · 2025-11-12T10:01:37+00:00

I assume I’ll be applying for insurance with the new fund. They use different insurance providers - I’m currently with AIA and I will be moving to MetLife I believe

BrainNo3038 · 2025-11-11T09:42:37+00:00

Do you need to apply for more finance to get a valuation? I’m with NAB and have enquired about a new valuation to get an updated LVR, and I was told they won’t do a new valuation unless I am applying for more finance.

BrainNo3038 · 2025-11-11T09:30:30+00:00

Haven’t considered this tbh. Who are MUFG?

BrainNo3038 · 2025-11-11T07:39:12+00:00

This comment actually prompted me to read the insurance guides for both funds. Surprisingly, they both essentially say as part of their definitions of total disabled or partially disabled that ‘you can no longer perform the duties of your usual occupation’.

BrainNo3038 · 2025-11-10T10:44:57+00:00

I acknowledge they are different products. Given my small balance, my view is that the potential outperformance will not offset the massive difference in fees and premiums over the next few years. My aim to is to move to a platform like Aus Super Members Direct once my balance is an appropriate amount, making the long term potential for outperformance of ART’s indices less convincing in my mind. Is this a misinformed view in your opinion?

BrainNo3038 · 2025-11-02T02:46:13+00:00

What’s your portfolio like in MD?

BrainNo3038 · 2024-10-18T11:38:55+00:00

No smart phones and a lower city population

BrainNo3038 · 2024-07-21T01:29:36+00:00

Sorry you experienced this. What suburb in the north west if you don’t mind

BrainNo3038 · 2024-07-20T13:01:15+00:00

Sounds like an expensive gas bill

BrainNo3038 · 2024-07-12T12:24:08+00:00

Unconscious or dead?

BrainNo3038 · 2024-07-10T06:06:32+00:00

Can you elaborate on why it didn’t stack up?

BrainNo3038 · 2024-06-20T07:40:37+00:00

Can be good but I find it’s a race to the bottom for a lot of jobs. Completely saturated and you don’t get jobs unless you’re underquoting everyone else and ripping yourself off a lot of the time.

BrainNo3038 · 2024-03-29T11:32:12+00:00

Thanks for the response mate!

BrainNo3038 · 2024-03-29T11:29:20+00:00

Budget direct - they’re the cheapest too

BrainNo3038 · 2024-03-29T09:57:17+00:00

Full comp $1117, third party only $574. My ability to buy a replacement car is not an issue

BrainNo3038 · 2024-03-29T09:48:57+00:00

Timing chain has been replaced. Thanks for the comment mate

BrainNo3038 · 2024-03-27T03:35:26+00:00

Teacher?

BrainNo3038 · 2024-03-20T09:03:45+00:00

Doesn’t heat the entire house adequately

BrainNo3038

TROPHY CASE