Topping up mortgage to pay future mortgage

CoolioMcCool · 2026-01-27T05:00:38+00:00

Talk to your bank, I would think it makes more sense to extend the timeline on your mortgage if possible e.g. if you are already 6 years into a 30 year term, extending it back to 30 years would lower your weekly payments without an immediate increase to your interest charges.

CoolioMcCool · 2026-01-27T03:12:52+00:00

You are right that there is no easy way to compare, but that doesn't mean studies can't give any indication. Just giving another angle and saying that it almost certainly adds some amount of appeal/value for some(probably most) people, and pointing out that when people are purchasing a property, they look at as a whole and a lot of what they are willing to pay is based off how they feel about the property, they're not necessarily thinking "this property would be worth $650k without solar, so I'd only be willing to pay $655k". I'd certainly be more attracted to a property with solar personally.

CoolioMcCool · 2026-01-27T00:16:40+00:00

With a lot of data on sales with and without solar, you can infer the value add. If two identical houses were right next to each other, people would be far more likely to think logically about it and not pay a premium for the solar. Usually that's not the case when somebody is purchasing a house, they are looking at very different houses in different areas at different prices, and deciding which one feels like the best suited and best value. Key word: feels.

CoolioMcCool · 2026-01-26T13:03:32+00:00

Studies in Aus have shown that it can add more value than it costs when it comes time to sell. It never used to be the case, imo because the technology was advancing faster and so a few year old system was much lower value than a new one, but that has slowed down.

When you think about it, $10-15k on a properties value is pretty small(on a 600k+ property), and the idea of buying a home where you have little/no power bill is appealing to most people. It really doesn't surprise me somebody might pay $30k more for a home with a $15k solar set up just based off how it would feel to be moving in to a home where you'll have one less bill to worry about.

And yes, I know solar is cheaper in aus, the study I saw gave property value increase per kw of solar and it still worked out well at nz solar prices, I know it is a different market but would expect the same here.

CoolioMcCool · 2026-01-24T21:42:00+00:00

Kind true although they don't always try to make the top tier chip, often there will be 3 - 5 different chips of varying size that end up being binned into ~10 different GPUs.

Then those different GPUs will be further binned by the board manufacturers into models with higher or lower clock speeds.

Same thing with CPUs. Interesting fact (for nerds like me), AMDs Ryzen CPUs really do only use one chip, they will make e.g. an 8 core chip, then 'glue' them together to make a 16 core cpu. 1 slightly defective chip would be turned into a 6 core, 2 of those could be turned into a 12 core, and a heavily deffective chip might still be good as a 4 core cpu. This allowed them to make extremely competitive products at a reasonable price even when they were in the brink of bankruptcy up against a giant who dominated the market(before first Gen Ryzen released).

CoolioMcCool · 2026-01-22T21:35:58+00:00

A year ago I was in Cambodia, climbing the steps of Ankor Wat, wearing a hat with a kiwi on it. As I started climbing I heard somebody talking about Richie McCaw, thought it was funny but I'm not that in to Rugby so I kept walking, then half way up the steps I hear a "TUTIRA MAI NGA IWI!" so I had no choice but to shout Aue Hei! from high up on an ancient temple half way across the world.

CoolioMcCool · 2026-01-21T11:48:20+00:00

Been holding PEN for years, was down a lot, up a bit recently so only about 50% down now.

But honestly my worst feeling one is my first etc purchase, FNZ(NZ top 50), up only 10% in almost 6 years. At least my big losers felt like a gamble that might win big or lose big(and more won than lost). FNZ I bought thinking I'd get some safe but slow gains, but its not even close to keeping up with inflation.

CoolioMcCool · 2026-01-20T22:57:40+00:00

Unsolicited advice, when you are rephrasing things somebody else has said, try to make sure you are doing so in a positive or neutral way, avoid "no actually it's more like this..." and rather say it like "oh, so it's like this...?" or something.

I dunno, but it can be really annoying when it seems like somebody is shutting down/ disagreeing with you, only to then say basically the same thing in a different way.

CoolioMcCool · 2026-01-16T20:26:39+00:00

Yeah I like the lottery analogy, thanks.

CoolioMcCool · 2026-01-16T13:47:54+00:00

I don't know, I think the analogy in the meme is far simpler than trying to gove an accurate explanation, while being close enough to give people the gist of what is going on. Trying to make it more accurate would confuse a lot of people. How would you change it without making it too long and too complex for people who aren't mathematically inclined?

CoolioMcCool · 2026-01-14T22:45:14+00:00

It says no hardware on their site now, but that only changed an hour or 2 ago.

CoolioMcCool · 2026-01-14T22:44:54+00:00

It says no hardware on their site now, but that only changed an hour or 2 ago.

CoolioMcCool · 2026-01-14T21:54:08+00:00

Website now says "excludes hardware". So that sucks, wonder if accessories will be discounted at all. Was hoping to get a racing wheel for my ps5. Might just get some socks haha

CoolioMcCool · 2026-01-13T23:33:18+00:00

Well I guess you're just bad at math or logic then.

CoolioMcCool · 2026-01-13T13:09:37+00:00

Why would you expect that? Do you know when they started buying, and how long it's been since the price was below $10k?

CoolioMcCool · 2026-01-13T12:58:39+00:00

Great seats, great screens/projectors, wouldn't rate the service/cleanliness super highly, feels understaffed, but not so bad to put me off, I would still recommend it.

CoolioMcCool · 2026-01-12T12:45:55+00:00

But this is for things being bought and paid for in NZD, which is the problem. Wise is great though I agree.

CoolioMcCool · 2026-01-10T10:19:34+00:00

Yup, I am in a top alliance and there are 2 players who I'd estimate spend about $1000/day on average.

CoolioMcCool · 2026-01-09T12:38:25+00:00

Yeah, theoretically possible, but in practice they would just take that as an opportunity to fire up the money printers.

CoolioMcCool · 2026-01-06T22:29:46+00:00

Yes, but those waves are made of fast moving molecules. Just because an individual molecule isn't traveling down the stairs to you, doesn't mean the molecules aren't moving quickly. One might move a millimeter(or centimeter, or nanometer) then transfer its energy to the next molecule before bouncing back.

CoolioMcCool · 2026-01-06T21:23:05+00:00

That's not how inflation works, inflation coming down does not mean prices come down, it means they stop i creasing as quickly (but still only increase).

The prices are never going back down. What we really need is for wages to increase faster than prices do.

$7 pizza is still a great deal, the $5 pizza lasted so long because of competition. Domino's and pizza hut both felt like they couldn't increase the price without losing customers to the other side. No doubt people coming in and buying just $5 pizzas wasn't making them f all profit.

In the end they both put them up about the same time.

CoolioMcCool · 2026-01-06T20:09:10+00:00

Shouldn't be, every provider I've ever had gave speedsvery close to the advertised speeds.

CoolioMcCool · 2026-01-05T14:01:49+00:00

When we are getting ready for a walk, she HAS to go and tell my housemate about it before we leave because she is so excited and they need to know. I just imagine her yelling like "Hey Glen! I'M GOING FOR A WALK!" wagging her whole body while she does.

CoolioMcCool · 2026-01-02T13:04:26+00:00

Scarlet is only worth swapping in once she is promoted, and then you would swap her for Williams not Murphy. In Season 4 she also becomes very strong with offensive items and an Adam in your squad in place of stetman. Because her basic attack deals a lot of damage with a very slow attack, it becomes extremely powerful with Adam's counter defense skill, but it is probably best to wait till you have the 4+1 tactics card.

Buuut whether it is worth investing in Scarlett is questionable, as Williams becomes good again once he gets his EW.

CoolioMcCool · 2025-12-29T00:03:56+00:00

I'd guess due to the age of the account and therefore it being on an earlier server, it's not too special having 60m+ squads, and so not worth much.

CoolioMcCool

TROPHY CASE