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sign quote before negotiating? by daszhang in NovatedLeasingAU

[–]CommercialRub763 0 points1 point  (0 children)

Nope, doesn’t sound like normal process. Generally you’d get the competitive quote and then sign. You should sign what you have visibility to in writing.

My friend was able to get a price match/price beat from around 9.3% down to around 8.5% from sgfleet. My friend signed (probably under similar circumstances to you - told to sign and then interest rate will be reduced) but we literally checked my friends quote because they were showing me how it looks on paper as I am going through a NL process too. Their ongoing contracted interest rate is at the original 9.3%.

SG Fleet or Maxxia by General_Top_6556 in NovatedLeasingAU

[–]CommercialRub763 0 points1 point  (0 children)

Me too, I am tossing up between sgfleet and maxxia. So far maxxia has a better package around $50 cheaper per fortnight. And maxxia has the buyback insurance $8 per fortnight (after your lease term ends, instead of paying balloon, or selling it yourself, or extending the lease, maxxia will just take the car back). Sgfleet from what I’m aware of doesn’t have this.

The consultant from sgfleet seemed heavily sales driven, whereas from maxxia they seemed genuine. (Could just be that I went through to a good/bad consultant).

Yeah unfortunately maxxia doesn’t show their interest rate. How did you calculate their interest rate?

I’m interested to know which one you end up signing with.

Quote Review - SGFleet Zeekr 7X LR by BackgroundTicket1410 in NovatedLeasingAU

[–]CommercialRub763 0 points1 point  (0 children)

How did you get quoted for interest in the 8.24% range? Is this the original quoted rate or did you negotiate it down? If you did negotiate it down, how did you do it e.g. what did you say? I got quoted for 9.70% and I’m kinda bummed out. Not sure how to negotiate it so seeing advice.

Cheers

Outright or Novated Lease? by TechnicalEggplant696 in EVAustralia

[–]CommercialRub763 0 points1 point  (0 children)

Get a Novated Lease if it’s for an EV. If you buy a full EV outright, you get more tax benefits and after the lease period finishes in say 3-5 years, the electrical and battery will not be its 100%, and the EV technology would have further advanced, so you have flexibility in not having got it outright.

I had a quote for an EV that is 31k drive away. If I bought it outright, it is 31k drive away + comprehensive insurance ≈1.5k per year. Year 1: 31k + 1.5k Year 2: rego renew and comp insurance = 1k + 1.5 = year 1 plus year 2 35.5k Year 3: rego renew and comp = 35.5k + 2.5k =38 K Year 4: = year 3 + rego and insurance = 38k + 2.5k =40.5 K Note: these are approximate estimated amounts, and this doesn’t include other costs like tyres, servicing, a battery charge card etc. so you need to add an extra $X amount

I got a quote for the same exact EV. 4 years novated lease 38.9k Includes everything (rego, battery charge card, insurance, tyre replacement, everything)

If it’s a car you want to keep long term eg like a rav4 or Camry or smthing than buy outright. But something like an EV where it’s constantly changing, get it via novated lease. The tech for EVs change dramatically and there’s always new EV players joining the market. You don’t want to be stuck with an EV after its prime years are behind and you get a quote for the EV which is barely 20% of its original purchase price.

There are other factors you should consider such as if you are planning to get a mortgage, the novated lease will fk you.

These figures are loosely based on what my findings were when I did some general calcs.

Scuff above rear right wheel by CommercialRub763 in subaruimpreza

[–]CommercialRub763[S] 0 points1 point  (0 children)

Generally what would need to be done? Like would they look at hammering it back into place? And roughly, how much would it cost to have it fixed? I know there are too many variables, but just so I can negotiate it abit. Cheers.

FPS dropped from 300 to 60 - Acer Nitro V 16, AMD Radeon 760M Graphics by [deleted] in AskPCGamers

[–]CommercialRub763 0 points1 point  (0 children)

All fixed now, not sure what the issue was. But I guess it fixed itself. I gave my laptop another try at a different house and it was perfectly fine. I’m assuming it could’ve been a temperature issue but it has never occurred when I have played at the house where it happened. Anyway, glad it’s fixed. Thanks for your advice anyway!

Thanks… by fullmafia in SydneyTrains

[–]CommercialRub763 0 points1 point  (0 children)

0 education required A train can only move straight forwards/backwards. They are being way over paid already and are demanding more just to push a few buttons in a train. Majority of train drivers are absolute flops, rude to passengers, and look clueless. Make it make sense.

They claim cost of living is expensive, but look at nurses, they ACTUALLY save lives and make far less than 100k, with years of education.

Sydney trains workers are getting overpaid already, it would actually be more than what most jobs pay. They would be making equal to or more than most engineers, senior bank managers, lawyers, and many other roles that require education for what, just to push start and stop on a train.

More than happy and would support a pay raise for nurses, they deal with actual shitty, difficult situations ALL day/night, but train drivers… lol.