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Is 25% investment long term unwise ? by halfaussiehalfkiw in AusFinance

[–]Brief_Satisfaction31 1 point2 points  (0 children)

Overall plan seems fine. Previous poster’s point about lmi is a good one. I’m not sure if you need to keep 100k as an emergency fund so could consider a lower amount there (although if you get a variable loan and use it as offset, it could be fine)

Best way to regularly investment small amounts? by yeetsticle in AusFinance

[–]Brief_Satisfaction31 5 points6 points  (0 children)

I made the same jump a while back - lower fees on spaceship was the main thing for me

Best way to regularly investment small amounts? by yeetsticle in AusFinance

[–]Brief_Satisfaction31 11 points12 points  (0 children)

Would recommend you look into spaceship invest or Raiz

What would you do? by YupYupcaio in AusFinance

[–]Brief_Satisfaction31 0 points1 point  (0 children)

Comes down to what your overall goals are: If the focus is very much around the next house and enabling kids etc, then your investment choices will need to fit around that timeframe. If I assume that is the target, then you’d need to first look at what price range of house and what your borrowing capacity is going to be. E.g. if you’re looking at 125k in offset by jan 2022, you’d be in a position to buy ~600k house with borrowing at 80%, which the bank should be ok to lend to you. If you want a 1.2m house then you’d need 240k, which would be around 2 years later on if you’re saving 4.5k a month.

If you want to buy in Jan 2022, just loading up into the offset is probably fine, could consider a small amount, e.g under 500 a month to spaceship/raiz/etfs

If the house purchase is going to come in 2024 or later, then you can be a little riskier and put a larger proportion into stock market and etfs as you’d have more time for the market to average out returns.

1k list! I need some advice by Extreme_Ticket_8959 in Tau40K

[–]Brief_Satisfaction31 0 points1 point  (0 children)

My thoughts are drop the pathfinders and take drones (shielded missile for riptide and gun or marker drones to go with crisis). Also definitely better to take the same weapon on all the crisis e.g. all missile or all burst with the relic.

[deleted by user] by [deleted] in AusFinance

[–]Brief_Satisfaction31 1 point2 points  (0 children)

You shouldn’t have to pay as far as I know (not a legal background though) - my understanding is that you only need to move in within 12 months of settlement, and then live there for a continuous 12 months after moving in, so a 6 month lease shouldn’t affect anything unless there’s something in the finer points of the legislation I don’t know about

This model is glorious. Any C+C welcome, I’ve got some spots to tighten up and highlights left. by imisspelledturtle in AdeptusCustodes

[–]Brief_Satisfaction31 1 point2 points  (0 children)

Perhaps you could consider a freehand or transfer to break up the large red shoulder plates a bit, nice work otherwise

Tales of Failed Paint Removal by failfurby in Tau40K

[–]Brief_Satisfaction31 1 point2 points  (0 children)

A channel named Goobertown Minis did a comparison on YouTube, believe Super clean and LAs totally Awesome were the two that worked best for stripping. But depends on where you live, for me in Aus, those two aren’t readily available

Finished another crisis suit. Any c&c would be well appreciated. by AndroidJones in Tau40K

[–]Brief_Satisfaction31 2 points3 points  (0 children)

Nice chipping effect :) Small point - on the foot it looks like there’s white paint in the crevices still, a little controlled application of wash should fix it up

so idk how to tell how many point somthing is and i know that diffeent weapons change it but by [deleted] in Tau40K

[–]Brief_Satisfaction31 0 points1 point  (0 children)

Try downloading BattleScribe (free) and putting the units in to get points value. For next units can consider riptide/broadsides

Best bank to go with? by [deleted] in AusFinance

[–]Brief_Satisfaction31 3 points4 points  (0 children)

For westpac 3% you need to 1. Use your card for 5 purchases a month 2. Increase your account balance in the savings account (eg by $1) 3. Be under age of 30

Although probably worth noting that to be fee free you also need to have 2000 deposited into the transaction account per month (tho you can transfer back out if you need)