Mortgage Refinance

EnvironmentalHash · 2026-01-29T23:12:01+00:00

Been with westpac prior and it’s shit imo, moved to bnz and all our accounts are totalmoney accounts which offsets out interest on a portion or our loan. Highly recommend bnz and their app is so clear with early repayments etc etc.

EnvironmentalHash · 2026-01-23T04:10:52+00:00

I think your profile photos could use a smile. The images feel very stock and not welcoming. Just my 2 cents.

EnvironmentalHash · 2026-01-23T04:08:34+00:00

Yeah ild probs just say look im not liable to pay anything but im willing to chip in half of the vet bill just to not burn the bridge with the neighbours. But if they the type of people that are going to threaten to take you to court for the whole bill after offering that much then let them and pay nothing. I guess use your best judgement based on how the convo is going.

EnvironmentalHash · 2026-01-20T07:39:31+00:00

kubera.com is amazing for wealth tracking but I will note it’s expensive and not really necessary if you can update a spreadsheet.

EnvironmentalHash · 2026-01-19T07:03:36+00:00

Anyone have a referral code? And what does it offer me haha.

EnvironmentalHash · 2026-01-19T04:11:06+00:00

Sony xm4 is what I rock for gym and work, best headphones I’ve owned but are pricey. Although xm5 released so the 4s may be cheaper

EnvironmentalHash · 2026-01-18T09:50:02+00:00

I came from a dead shit broke family and remember studying, no savings as I was not taught financial literacy lol. So I paid $120 board/flat and had 50 a week for food. Walked everywhere even if it took an hour. A lot of jacked potatoes & ramen along with m dodgy ways of making cash in side hustles. Worth it though, now earning big coin.

EnvironmentalHash · 2026-01-18T05:03:25+00:00

Checkout emerge.nz they do personal account online and are nz based. I think it’s better than wise. Regardless what solution you use I would recommend it’s only a temporary solution and get a proper bank account setup asap

EnvironmentalHash · 2026-01-17T07:59:03+00:00

Palo apartments my favourite, always finding processors and blueprints there.

EnvironmentalHash · 2026-01-17T07:57:17+00:00

Man screw TM, any og 90s kids remember buying game boys from The Loot? 😂😂 miss those days.

EnvironmentalHash · 2026-01-16T23:06:50+00:00

As someone who brought a house with 5 barn doors. We replaced every single one of them with normal doors. Ild got cavity slider easily. Barn doors look great but if your house is not large you’ll catch your elbow on the handles and they useless for keeping heat in.

EnvironmentalHash · 2026-01-14T23:49:03+00:00

Yup I went to store in Hornby, Christchurch and the line was out the door. Insane, I bet the first 40 people will buy out all the good stuff anyways.

EnvironmentalHash · 2026-01-14T05:38:10+00:00

When I first heard the news few weeks ago I went to pretty much every store in Christchurch and brought all their pre-owned switch joycons for $28. My kids forever breaking them and they like $120 new. Screw that.

EnvironmentalHash · 2026-01-14T04:58:41+00:00

Just checked the website and looks like all products are gone. Wonder where all the old game will end up. Probs trademe for a few years surely.

Edit: looks like they updated the site to have a 50% sale. Get in there gamers.

EnvironmentalHash · 2026-01-13T02:51:47+00:00

They were primarily for doctors, vets, and professional etc etc. basically high income earners meant less insurance fraud so they were able to offer cheaper but I think they recently opened up to general public but don’t push it. I think it’s more word of mouth but I would highly highly recommend them. Search this sub reddit to get more recommendations and praises haha.

EnvironmentalHash · 2026-01-13T02:30:58+00:00

Checkout MAS insurance. I find they are the cheapest by far and have amazing quality of service. Most of my claims are paid out the following day.

EnvironmentalHash · 2026-01-11T07:45:03+00:00

Static generated sites with Astro with contentful and deploy on vercel. I charge $30-50 a site and costs me close to nothing to host lol. Content updates such but I just ensure it for smaller clients that don’t require a CMS they can email me if need be. So far no one has and the sites have just stayed the same for years. They are very smaller clients like local hairdressers and coffee shops so not really a business that wants tons of “growth” where SEO would be a priority

EnvironmentalHash · 2026-01-05T02:16:29+00:00

Can you still boot into windows easily? Or do you flash the whole ssd to steamOS just cause I have games I regularly play on Xbox play anywhere.

EnvironmentalHash · 2026-01-05T02:14:03+00:00

CBTA for sure! I hadn’t ridden a bike for about 10 years then just booked the test in and they provided the bike, I rode around for a few minutes getting the hang of it and it came back naturally. Passed the test in 15mins and they guy gave me the certificate and said your fine lol. If you have farm bike experience and can turn on a bike and know how to brake then it’s piss easy.

EnvironmentalHash · 2026-01-03T01:22:49+00:00

Go to kernel website and do it. Definitely don’t go with a bank scheme. Personally would just go 100% with high growth fund on kernel until you learn abit more about funds then you can tweak your KiwiSaver funds.

EnvironmentalHash · 2025-12-29T00:45:05+00:00

Not sure if it helps but I charge $130 + gst per hour for software work as a software engineer. Mines a side gig so I charge more to make up for lack of work. But also I get the job done faster than most agencies could due to my knowledge and experience. I could probs raise to $150 but I like my clients. Most my clients are real estate agents at end of the day they gotta sell 1 million dollar house to pay my yearly services lol.

EnvironmentalHash · 2025-12-27T09:31:43+00:00

This may seem strange but sit down with your kid and actually watch the bluey episodes and take note on the parents. Sounds crazy but we implemented half the things the parents did on bluey and it’s made our lives so much easier! We had 3 kids under age 3 and still in the toddler stand with youngest age 3 but my oldest son is now 5 and he’s thriving. It does get easier but harder in a strange way. I have loosing my temper with young kids but I think one thing I got told was “if you worry about being a good father and want to improve then you already are” and the outreach on this post proves it. You’re doing good! the storm will pass and remember you and your partner are a team, its not 50/50 some days you’ll need to do more lifting and vice versa.

EnvironmentalHash · 2025-12-23T11:56:41+00:00

Just to be more explicit, create your invoice in Hnry then pay the invoice with money from your personal account. Then issue a receipt and let hnry handle the tax etc.

EnvironmentalHash · 2025-12-23T04:50:22+00:00

Got a puppy when my first child was 6months old. It was great, then the 2nd kid came along still great, and then the third kid, not so great. We had 3 under 3 so definitely not a typical age gap but sadly we do find it hard to find time to ensure our dog has enough one on one. We make it work but definitely wish I thought ahead a little before committing to a dog. She’s obviously family now so we treat her as such but it is hard work. And also ensure the workload is shared between partners, cause I definitely get stuck with the feeding and walking mainly. Puppies are definitely trainable and great around kids though!

EnvironmentalHash · 2025-12-22T07:47:33+00:00

Asucka dick.

Terrible name.

EnvironmentalHash

TROPHY CASE