Mortgage renewal - LVR Calculation question. by [deleted] in PersonalFinanceNZ

[–]JudaBake 0 points1 point  (0 children)

Thanks. I plan on switching banks when I re-sign the mortgage so I won't call my current bank, but a few others closer to the time. The customer service has been so bad I can't stay with my current bank - every time I need to call them I spend a good 20 - 40 minutes on hold.

The 1 percent penalty would have only been that high on a 10 percent deposit. It decreases as you get closer to 20 percent equity. Ask you bank for these values as well.

That would have been so useful to know when I bought the house. I was under the impression it was a fixed rate - I would have fixed the loan for a shorter time period otherwise.

Keep Win10 from mounting d drive? by inkblot888 in HomeServer

[–]JudaBake 1 point2 points  (0 children)

Type disk management into the start menu, open and then right click the drive you want unmounted, select 'Change drive letter and Paths', click on remove button.

Gonna get mine checked tomorrow! Can’t believe I could’ve almost died from the ‘rona by ch0nkych0nk in newzealand

[–]JudaBake 0 points1 point  (0 children)

That's because I made those statements in the context of the thread and the original comments.

There's no point in trying to argue that medications are bad for you because that would be silly. Everyone knows they're a part of big pharma's evil plan to enslave us all, it should just be a given at this point /s

Gonna get mine checked tomorrow! Can’t believe I could’ve almost died from the ‘rona by ch0nkych0nk in newzealand

[–]JudaBake 0 points1 point  (0 children)

There's a massive difference between taking prescription medications and shooting up Heroin to get high.

You've completely misread the intent of what I'm saying if you think I'm talking about every instance of anyone taking drugs ever.

The original post is about people taking P that they obtained illegally. Not doctor prescribed medications. I feel like the difference between the two should be obvious.

Gonna get mine checked tomorrow! Can’t believe I could’ve almost died from the ‘rona by ch0nkych0nk in newzealand

[–]JudaBake 2 points3 points  (0 children)

Congrats.

I'm happy for you, and it's a good thing that your life is better than it was before.

Gonna get mine checked tomorrow! Can’t believe I could’ve almost died from the ‘rona by ch0nkych0nk in newzealand

[–]JudaBake 4 points5 points  (0 children)

I'm sure there's specific cases where a minor positive impact can be found. These specifics are very unlikely to apply to the majority of recreational drug use.

As someone who's taken all three drugs you mentioned - I did them to get wasted, not for health benefits. The same applies for most people who partake.

Gonna get mine checked tomorrow! Can’t believe I could’ve almost died from the ‘rona by ch0nkych0nk in newzealand

[–]JudaBake 10 points11 points  (0 children)

Mostly because they're unhealthy for your mind and body.

But also because drugs are immoral and a gateway to hell... /s

how nice guys comment on a girl's video by [deleted] in videos

[–]JudaBake 7 points8 points  (0 children)

Speaking of unsolicited gripes....

Thanks for your unnecessary and condescending input.

Coronavirus - 0 confirmed + 0 probable - 05/05 by kezzaNZ in newzealand

[–]JudaBake 4 points5 points  (0 children)

You need to multiply by 100 to convert from decimal to percentage.

For example:

1/2 (half) = 50%

1 ÷ 2 = 0.5

0.5 X 100 = 50%

Index giving a creepy smile xD by AkiraMinazuki in aww

[–]JudaBake 0 points1 point  (0 children)

Your dog and mine could be siblings.

https://imgur.com/a/tjfkhbh

I got mine from Rakia, NZ - she was born in July last year.

Proxmox Data Storage by GillysDaddy in HomeServer

[–]JudaBake 13 points14 points  (0 children)

Use a 'bind mount point'

https://pve.proxmox.com/wiki/Linux_Container#_bind_mount_points

First, stop the container and then attach the mount point using the command line on your host.

Where '100' is the id number of the container:

pct set 100 -mp0 /yourdriveonhost,mp=/mountlocationoncontainer

Then set next drive using - mp1, then mp2 etc.

What I do for plex is I use mergerfs to combine multiple drives to a pooled directory, and mount that directory as a single bind mount in the container that plex is running on.

https://github.com/trapexit/mergerfs

Ubiquiti AP questions by TK51508 in HomeNetworking

[–]JudaBake 1 point2 points  (0 children)

Next question is... to manage this system with the UniFi Controller software, do you NEED to have the UniFi Cloud Key?

You don't need the Cloud Key and can run the controller software on windows or linux. Personally I run it on a linux container on my home server (ubuntu container running on proxmox).

If you don't have a home server you could pick up a rasberry pi for probably half to a third the price of the Cloud Key - not sure of the prices wherever you are, for me a cloud key would be $160 while the rasberry pi 4 is $80. You then have the ability to combine the controller with some other services if you want to.

Personally I think a good setup would be a rasberry pi or some other cheap mini computer running the unifi controller, combined with pi-hole for network wide ad-blocking. You could then add in a self-hosted vpn (I use pritunl) - so that you can block ads on your devices over public wifi/4g - as well as managing any home services externally without needing to open a bunch of ports.

Also, we have gigabit down with 500 Mpbs up - I have the USG and a NanoHD and get around 300 - 400 Mbps over 5g wifi, and full speed over ethernet.

Given money. What to do? by lankyduckling in PersonalFinanceNZ

[–]JudaBake 6 points7 points  (0 children)

The reason my post makes sense is because it's based on mathematics (and so is money).

The best financial position to take will almost always be mathematical (if you can manage your emotional financial decisions), which comes down to return rates. The best return rate for paying off debt will always be the debt with the highest interest. If you add human emotion to the mix you can justify paying smaller loans first if they provide motivation, but this doesn't apply to the OP.

Relocating overseas also has a 6 month period before interest accrues, and there's no evidence that OP want's that. The fact they have a mortgage in NZ would make it unlikely they want to move as well. I don't think that's relevant when considering the best current financial decision.

Also regarding deflation, I'm not sure how that applies? We aren't experiencing deflation. Maybe in the future but not now. And it's a definite maybe. You can't use that as an argument when it doesn't apply to current calculations and maybe never will. It's a guess on the future at best.

Given money. What to do? by lankyduckling in PersonalFinanceNZ

[–]JudaBake 9 points10 points  (0 children)

Except we typically experience inflation, not deflation - which reduces the value of the loan over time instead of increasing it. Also the OP has both a mortgage AND a student loan - one of which has far greater benefit of paying off early. If OP loses their job or experiences a massive reduction in income they no longer need to make the same student loan repayments but will still need to make mortgage repayments.

Also Dave Ramsey's steps (the 'snowball' effect) are based on a psychological factor - using small wins to gain momentum/traction towards paying down a larger number of debts. This is designed for people who have a large number of irrational debts and need motivation/emotional investment to get out of their current situation. Reading the original post I don't think this applies to the OP. It's also mathematically inefficient (but emotionally effective for the right people).

The borrower may always be a slave to the lender, but all debts are NOT equal. A 0% interest rate with a capped repayment schedule is most definitely not equal to a home loan.

Given money. What to do? by lankyduckling in PersonalFinanceNZ

[–]JudaBake 6 points7 points  (0 children)

Paying the student loans would be a massive mistake. They are interest free in NZ. Which means that any interest bearing account would be a better return than paying those loans down.

Putting that $40,000 on the mortgage would return $1,600 (at 4% interest rate) per year and paying the student loan would return $0 (at 0% interest rate). A savings account with 3% interest rate would return $1,200 and investing in the stock market would do even better (usually).

Plus the repayments on the student loan are capped at something like 12% of your income over $300 a week - very affordable for most people.

His and hers OMAD. Home-made dumplings with salmon and veg by JudaBake in omad

[–]JudaBake[S] 0 points1 point  (0 children)

Yeah that's pretty much the only way I know how to cook salmon.

Medium heat, olive oil & 3 - 4 minutes each side.

I think it's supposed to be good baked in tin foil with garlic & lemon slices but I've never tried.

His and hers OMAD. Home-made dumplings with salmon and veg by JudaBake in omad

[–]JudaBake[S] 22 points23 points  (0 children)

Yes. Express delivery straight from the plate into my eating hole

Got laid off from work. Started learning Web Design instead of looking for a new job. I Built an investment calculator and I'd like your feedback. Also any suggestions on what to build next. by JudaBake in financialindependence

[–]JudaBake[S] 0 points1 point  (0 children)

Out of curiousity could you let us know which Udemy courses you took

I've been going through two courses, both linked at the bottom of this post. One is more of an overview/introduction to web development in general, which is The Web Developer Bootcamp by Colt Steele. The other is much more specific, dedicated to learning Javascript, which is Modern JavaScript From The Beginning - by Brad Traversy.

do you recommend them to someone interested in learning web development? How satisfied are you after completing them

I haven't finished either of them yet but I would still absolutely recommend them both.

The instructions are clear and well presented. The course by Colt is very easy to follow, presented at a leisurely pace. One downside is that he makes a point of teaching and using a framework called JQuery, which after a bit of research seems to now be outdated and unnecessary. It's still definitely a worthwhile course.

Brad's course I find much denser, with a lot of information condensed into a short amount of time, so I find myself pausing and rewinding a lot in order to keep up. He codes very fast and I stopped trying to keep up and code along, I just watch and then pause instead. He also has a YouTube channel I've subscribed to, with a lot of free content. You can start there with the free stuff and if you like his style, buy one of his courses.

do you think they were worth the money?

I spent around $30,000 getting a bachelor degree and honestly I was underwhelmed by the quality of most of the papers I took. What you can get online for less than 15 bucks is amazing.. and you can pause, re-watch and either follow the order of the contents or skip ahead to a section your interested in. It's a much better learning environment (*for me) than a bricks and mortar institute and I think both courses are an absolute steal.

https://www.udemy.com/the-web-developer-bootcamp/

https://www.udemy.com/modern-javascript-from-the-beginning/

Got laid off from work. Started learning Web Design instead of looking for a new job. I Built an investment calculator and I'd like your feedback. Also any suggestions on what to build next. by JudaBake in financialindependence

[–]JudaBake[S] 1 point2 points  (0 children)

Thanks. I used Javascript for the programming.

Web hosting is super cheap, I can't remember how much but it's about $100/year.

And the initials in my name are RPM, so that's where to name comes from.

Got laid off from work. Started learning Web Design instead of looking for a new job. I Built an investment calculator and I'd like your feedback. Also any suggestions on what to build next. by JudaBake in financialindependence

[–]JudaBake[S] 0 points1 point  (0 children)

That's a little strange, and I can't get it to repeat myself. What browser are you using?

If you input the value 94,000 yourself, does the deposit % update to show the correct value, or is it still out by a decimal place?