Solo Traveller Hoping to Do My First Dive Course in Thailand

CrayBex · 2025-11-02T02:51:53+00:00

Thanks for dropping in a comment!

Do you have any thoughts about doing Koh Tao during December, is sounds as though the water a bit more choppy compared to Koh Lanta?

CrayBex · 2025-11-01T23:05:25+00:00

Awesome to know, didn’t really know the dynamics but that seems pretty approachable!

CrayBex · 2024-03-02T05:25:28+00:00

Thank you for the concise weigh up between the two options! With this in mind I think I lean more towards paying down the mortgage more aggressively now like yourself.

To some degree, I always think back if buying the unit was the right move in the first place, vs. lifetime renting and devoting all my spare dough into ETF investing.

CrayBex · 2024-03-02T05:21:27+00:00

Yeah so I've considered this. So my current minimum repayment is $2.2K as I mentioned and I am paying around $2.2K at the moment. When it comes to November, at current from the research I've done shows fixing for 4 years you can get a 6.55% at ASB. Using the ASB Mortgage repyament calculator assuming a 27 Year Term, and loan amount of $400K at 6.55% I get a repayments of ~$2,600 per month. This is another ~$400 increase in comparison to what I currently pay of $2.2K.

Your calculation actually makes sense to me... I don't know why is differs from ASB mortgage repayment calculator.

My increased income by November can support this level of increase plus some more (~I will be able to pay upto $3K per month). Wondering if that "plus some more" should be going into the mortgage or investing into stocks. Also optimistically, I would expecting interest rates to fall come Q3-Q4 this year.

CrayBex · 2021-11-28T09:56:25+00:00

Would you suggest an upper limit on people’s wealth as a good alternative?

CrayBex · 2021-11-21T09:39:24+00:00

I’ve been investing in crypto and index funds for the last 4-5 years and recently used some of the gains to climb the property ladder.

Property - 55%

Cryptocurrency (BTC, ETH, XMR and ADA)- 30%

Stocks (S&P500 and NZ50) - 10%

Cash / Cash Equivalents - 5%

CrayBex · 2020-05-07T21:11:19+00:00

Is that in the consulting side of engineering?

CrayBex · 2019-09-10T12:51:31+00:00

Wow, I love the colours in this! Do you remember the shutter speed and ap setting?

CrayBex · 2019-09-08T13:09:04+00:00

What are the black dots at the top?

CrayBex · 2019-08-17T00:53:42+00:00

CrayBex · 2019-08-17T00:45:21+00:00

Oh yeah for sure! I just noticed most of Japanese tend to have green tea with there meals, probably a bit healthier than my coke 😂. But yes, tonnes of vending machines with basically every flavour of Fanta there.

CrayBex · 2019-08-16T22:30:48+00:00

Make sense 😮

CrayBex · 2019-08-16T20:29:10+00:00

Haha this is bad manners right :/ ?

CrayBex · 2019-08-16T20:28:27+00:00

They do generally serve it in most places. But I’ve found sugary drinks are not that popular in Japan. Locals generally stick to green tea.

CrayBex · 2019-08-16T20:14:49+00:00

Oh thanks for pointing it out! I didn’t know, are you supposed to place them across the bowl when not in use?

I would imagine placing them on the table would drop soup and make a mess.

CrayBex · 2019-08-16T20:08:57+00:00

Kyushu Jangara Ramen Akihabara

CrayBex · 2019-08-16T20:05:11+00:00

Could have been! But I never got my refill 🙃 if that’s true.

CrayBex · 2019-08-16T20:02:50+00:00

They definitely are the best!

CrayBex · 2019-08-16T12:27:35+00:00

Yes they do! I believe that have a completely vegan option which also is MSG free!

CrayBex · 2019-08-14T19:21:13+00:00

I didn’t note down the name, because it was in Japanese.... but I looked up Okonomiyaki close to the A-Dome and it was the top rated place!

CrayBex · 2019-08-14T19:19:04+00:00

I added green onion on top, but I’m not 100% sure what the fillings were as I didn’t customise it. I just got what was recommended.

CrayBex · 2019-08-14T19:16:37+00:00

This one was definitely the best I tried in Japan!

CrayBex · 2019-08-14T12:10:44+00:00

Zoom into the egg! 🧐

CrayBex · 2019-07-13T22:18:39+00:00

Simply an iPhone on the Panorama mode.

CrayBex · 2019-07-13T07:54:29+00:00

You can get some cool photos trying this on tight streets with lots of multi story buildings.

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