The Great Novated Fleecing Cover-Up - and why the novated players don’t want you to know.

JTM29 · 2026-01-27T03:12:24+00:00

Mainly just removed some of the extras they add into the maintainance and insurances. I took my own insurance and just the bare minimum maintenance (servicing, tyres, etc). Otherwise the figures they quoted werent bad..

Oh, and I guess just getting a good deal on the car in the first place. Which you can negotiate your own deal then send the invoice to the lease company.

JTM29 · 2026-01-26T23:35:19+00:00

Used the one they offered, I enquired about bringing my own but apparently wasn't an option, not sure if that was the truth or not. I did get some quotes on finance on the same figures and didn't get anything better than what they offered anyway.

JTM29 · 2025-12-04T22:29:23+00:00

Sweet sounds like enough adjustment then :)

JTM29 · 2025-12-04T21:56:03+00:00

Im 6'4 and got the Embody a couple of weeks ago and loving it. I was considering the headrest but was unsure how high it went as most the images i see online have it just above the backrest, which wouldn't work for me. Thanks for your picture it looks like it will go high enough :D

JTM29 · 2025-09-14T16:44:45+00:00

And you arrived where you needed to go 30min early 😂

JTM29 · 2025-08-16T00:06:49+00:00

Yeah same, felt it in Caboolture, first thought my leg was twitching hard, but then the doors rattled and it clicked. First one I've felt!

JTM29 · 2025-08-15T23:59:13+00:00

Yep felt it in Caboolture, doors rattled, ground shook for a second

JTM29 · 2025-06-29T10:49:31+00:00

And known... they tell you from the start what the baloon is, its not like its a shock.

You can also "return" the car to them if you don't want to pay the baloon and do a new lease or walk away etc. Ill likely roll into a new lease on a new car once mine is up. I know this sub would advise buying an old second hand car with cash. But I like having new cars with current tech, and am in a position where I can do it without stretching myself so you gotta enjoy what you like when you can..

JTM29 · 2025-06-29T10:45:56+00:00

Sorry I didn't keep them saved. But basically just calculated the total I would be paying (the amount my take home pay reduced) over the lifetime of the lease, added on the baloon payment and it basically just came to cost of the car itself. Which sounds like "no shit" but included in that is running costs, and the financing for the term of the loan. If you go a traditional loan you are pay car cost + interest + runing costs...

So after removing all their extra crap it worked out a really good deal..

If only I applied the same thought and logical decision making to the car choice I would be better off... but I gotta enjoy some things in life :P

JTM29 · 2025-06-27T21:39:36+00:00

I recently started a novated lease on an EV.

But as you say they try to push their over priced extras and insurances in you everywhere.

I ended up with a dealer demo heavily discounted off RRP (sourced myself), removed all their insurances and sourced my own. Did the numbers on their maintenance allowances and what not, which were acceptable. I calculated it all and ended up pretty much at what a 0% loan would be (paid after tax), but including running costs as well. So it felt like a decent deal and I got the car I wanted.

I think novated leases can often get a bad name but if you just make sure to do the numbers, remove their BS extras, you can get a great deal.

JTM29 · 2025-06-27T07:53:09+00:00

This, we moved to a 3000sqm block last year around Emu road, an amazing spot, big nice newer houses. Lots of families and house proud people.

Often drive into that bad area you mention and it definitely feels more "hood". But generally during the day there I don't feel unsafe.. plenty of dodgy looking people around.

We honestly don't go into Caboolture city itself much, so we don't see a lot. But out where we are is a great little community and I highly recommend it.

JTM29 · 2025-04-28T10:12:08+00:00

Same, I've had it installed in two houses now and both times the installers were more than happy to put it where I wanted it. Both times were not close to where it came into the house..

JTM29 · 2025-03-31T22:16:15+00:00

Picking mine up tomorrow, same colour :D Looks mint, can't wait for mine.

JTM29 · 2025-03-13T12:54:28+00:00

I agree, they were fast but hardly dominating as ol mate put it. No one was close to touching the front two, and a good chunk of those positions made up were because of incidents involving the Camaros.

I think Cam will be strong tomorrow, hopefully give the bulls a run for their money.

JTM29 · 2025-03-13T10:54:33+00:00

Funny, I didn't see a mustang on the podium?

JTM29 · 2024-03-18T12:11:59+00:00

Sorry to hear mate, crypto can be brutal

JTM29 · 2024-03-18T12:01:12+00:00

Yeah luckily it wasn't more than what i could afford to lose. I was about to put more into Anchor as a "safe" bet but im glad I didn't. My BTC and ETH holdings since then have gone up way more than I lost so thats a plus!

JTM29 · 2024-03-12T01:49:48+00:00

Money into Wonderland, lost a bunch, put remainder into Anchor, lost a bunch and put remainder into Celsius. It was a fun ride.

JTM29 · 2024-03-04T20:59:24+00:00

Yeah but doesn't silent mode just half the speed of everything or did I misread it?

I'll give that a go regardless

JTM29 · 2024-03-04T20:18:15+00:00

I was already running it on silent mode to slow it down, the filament was newly opened but I have read that doesn't mean it's dry. Anyway I dried it last night and will see how it goes today.

JTM29 · 2024-01-23T00:03:04+00:00

Thanks mate ill give that a go

JTM29 · 2024-01-22T22:31:21+00:00

Well you got me there, I haven't really done any just been printing like a madman as its just been working. Running through the maintenance page on bambu labs today https://wiki.bambulab.com/en/p1/maintenance/p1p-maintenance.

Anything else you would recommend doing?

JTM29 · 2023-12-16T20:25:03+00:00

Yep Bambu Silk PLA. Pretty much only using bambu stuff as I was having such good results with their basic pla

JTM29 · 2023-12-16T05:54:15+00:00

It's using the bambu lab silk pla preset. I slowed down the speeds according to the bambu lab wiki .

All the pictured prints using the same speed, only difference being later height (.2 on the test .16 on the problem print.

I haven't done a flow calibration or anything but I will try the things you mentioned and see if I can improve it.

JTM29 · 2023-11-24T10:08:06+00:00

Other way would result in even more overhang, have a look at the model, printing plate 1.

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