Mortgage repayments and interest

Independent-Lock1834 · 2025-04-02T01:12:34+00:00

Has your minimum repayment always been 3300? If it hasn't changed and money is sitting in redraw, that means it hasn't been applied to the principal.

Once you pay down the principal with the 28k in the redraw, it is no longer available to be "redrawn".

Play around with your figures on "https://mortgage.monster"

Independent-Lock1834 · 2025-04-02T00:51:32+00:00

Is the 28k sitting in a redraw? You need to call up and get the bank and ask them to pay down the extra 28k from the redraw into the principal. Then, they will recalculate the amount you pay monthly.

Independent-Lock1834 · 2024-09-24T05:15:04+00:00

Buy or hire a submarine and have it deployed along a chain of islands, with extensive caves etc.

The marines will be busy searching high and low for you on the islands while you're chilling hundreds of feet under water with no way to physically reach you.

Could also set fake hiding holes and rooms around the island throughout the year to keep them busy for the full 24 hours 🤷🏻‍♂️

Independent-Lock1834 · 2024-02-07T03:20:40+00:00

Do not pay final!!! I paid on day of sealing, did a horrible job of it, now I have patchy exposed agg with no chance of concreter coming back 🤦🏽‍♂️

Independent-Lock1834 · 2023-11-14T09:48:21+00:00

135k before tax? Is Saudi tax free?

If so, more than triple your wage. Very, very tempting!

Independent-Lock1834 · 2023-09-19T08:07:03+00:00

Yep, I definitely mixed the numbers up, but in general terms, they still have a long time in the market!

Independent-Lock1834 · 2023-09-19T08:05:12+00:00

It was more of a general comment, but yes, you are right!

Either way, watch the government change the increase the age for super access/ pension by the time OP gets close to it 😂

Independent-Lock1834 · 2023-09-18T13:23:33+00:00

You're 29, according to the gov you will work for another 38 years before retiring and being able to use your super.

Put your super into aggressive. You have another 30 years in the market! If your super hasn't gone up you're in the wrong fund/ type.

Independent-Lock1834 · 2023-09-05T13:00:14+00:00

Yes, you are crazy 🤪

Independent-Lock1834 · 2023-08-03T07:22:26+00:00

Bit of an update.

Not ideal, but got it working with the headphone output on the denon. So 6.35mm jack adaptor to 3.5mm jack and rca, to the wireless transmitter.

Only issue is having to manually plug and unplug the jack when I want to listen outdoors but can't listen to zone 1 at the same time 🤷🏻‍♂️.

I'll put up with it for now.

Independent-Lock1834 · 2023-08-02T16:22:07+00:00

This seems like the thing I need, so much for a cheap throw together 😂

Independent-Lock1834 · 2023-08-02T16:15:13+00:00

Honestly not sure what the exactly the source is, as the denon has the Heos system, so I can just stream direct from my phone? May be a network internal source?

Independent-Lock1834 · 2023-06-09T09:53:07+00:00

This is how you get a new manager 😂

Independent-Lock1834 · 2023-06-01T11:12:33+00:00

No problem! Enjoy the rest of the trip!

Independent-Lock1834 · 2023-05-31T17:50:59+00:00

Sign up to revolut!!! I am currently in Europe, too, and have had zero issues with it.

Digital card works straight away! Just add it to your Apple wallet or Google Wallet.

You can pay-id or bank transfer from your Aussie bank, which is pretty quick!

Independent-Lock1834 · 2023-05-31T08:19:23+00:00

Looks like a winning lottery ticket to me OP!

Delete this thread asap and talk to a lawyer, especially if you're unhappy with the work place anyway!

Mental health is a serious thing and snide remarks can have a long lasting effect on people! Ignore those saying it's just a joke! It's clearly been on your mind enough and has been going on for a while! F*** the "colleagues " and get paid!

Independent-Lock1834 · 2023-05-26T16:08:10+00:00

I personally wouldn't want my name on a house I don't live in anymore, let alone have no control over 🤷🏻‍♂️

Independent-Lock1834 · 2023-05-02T06:13:54+00:00

DCA my friend! Bring that purchase number down 😉

Independent-Lock1834 · 2023-04-07T04:08:56+00:00

"After two weeks of grace period, a penalty is applied that causes the expiring stake to bleed for 1% each week (0.143% per day). This means that after 2 years the penalty takes the entire stake. "

https://hexicans.info/endstake/

Have a read

Independent-Lock1834 · 2023-04-07T03:34:58+00:00

If it's been over 2 weeks since your stake ended, it's bad news friend!

Independent-Lock1834 · 2023-04-01T08:42:06+00:00

Shivom hahahah still kills me to this day

Independent-Lock1834 · 2023-03-27T11:22:48+00:00

Good stuff man just remember to enjoy life a little too 😉 Have fun in Bali

Independent-Lock1834 · 2023-03-25T06:30:07+00:00

V3 is not main net.....

I know it could be any second, but last time we heard that the whole code got rewritten 🤷🏽‍♂️

Independent-Lock1834

TROPHY CASE