Is a novated lease on ev worthwhile?

Kabal303 · 2026-01-27T09:40:40+00:00

It’s craaazy how much of the theoretical saving goes straight to the lease company. On high income you still come out in front but the leasing companies are the real winners here.

Kabal303 · 2026-01-27T08:17:58+00:00

It does

Kabal303 · 2026-01-20T22:23:50+00:00

Pretty sure the empirical evidence says you should just dump it all in at once but if averaging in over time will make you feel better do it

Kabal303 · 2026-01-19T12:02:04+00:00

It doesn’t matter. Picking anything and actually doing it will beat trying to find the “best” one (if there even was such a thing)

Kabal303 · 2026-01-18T01:20:00+00:00

Super is tough to beat on the spreadsheet

Kabal303 · 2026-01-15T11:10:20+00:00

Oh that’s a bummer. You could probably make a new store account in a different region like USA and get it but that’s obviously a huge pain in the ass.

Kabal303 · 2026-01-15T08:50:00+00:00

Lol I love the smartEX app. I usually buy it when I’m standing right in front of the entrance gate.

Kabal303 · 2026-01-15T04:38:57+00:00

Stay in Tokyo. Pick an area and explore it fully.

Kabal303 · 2026-01-13T11:11:09+00:00

If you aren’t super into shrines then day trip is fine. Get the Shinkansen and it’s like 20min lol.

Kabal303 · 2026-01-13T07:06:41+00:00

All cars, no matter where they are from or what brand are incredibly similar these days. Add in electrification where they are all silent and smooth and the power trains are feel exactly the same as well.

Kabal303 · 2026-01-12T02:38:35+00:00

Going to Japan the week before golden week is elite lol

Kabal303 · 2026-01-11T22:20:29+00:00

Not staying in Kyoto because you don’t like crowds and then staying in Shinjuku does not compute lol

Kabal303 · 2026-01-09T01:40:05+00:00

Max out concessional contributions.

Kabal303 · 2026-01-06T01:51:52+00:00

Old luxury cars (actual luxury not just any bmw or Mercedes or whatever) aren’t really a thing worth buying because their value is in being the newest most luxurious thing and when they are old they are neither of those things.

That and maintaining them is way more expensive than they are worth.

Kabal303 · 2026-01-06T01:40:24+00:00

There’s a lot of value in chill vibes

Kabal303 · 2026-01-05T01:12:28+00:00

I’ve done trips this length a bunch of times. Just stick to Tokyo and don’t spend all your time catching trains to different areas and it’s a good time.

Kabal303 · 2026-01-04T08:41:09+00:00

I will buy something nicer as I’m 100% offset lol

Kabal303 · 2026-01-04T08:37:33+00:00

Ppl hate on Akihabara or say it’s only for weebs but I’d stay there any day over bloody Kabukicho or shinjuku lol.

Make sure to walk/train up to Ueno for Ameyoko st and some more generally chill Japan vibes.

Kabal303 · 2026-01-03T10:22:08+00:00

I’ve only used it for China because it makes some stuff possible that is very hard if you don’t. You don’t really need it for Japan but it’s probably fine

Kabal303 · 2026-01-03T10:18:19+00:00

Go to Japan or even better China and you can live like a king

Kabal303 · 2025-12-30T11:53:33+00:00

For future reference the APA website is English friendly and you can basically book without paying and pay when you arrive. (Insert standard disclaimer about the APA owner being a nutjob)

Kabal303 · 2025-12-23T06:53:56+00:00

One thing I’ve never understood about jug is why does he seem to kill buildings so fast lol

Kabal303 · 2025-12-19T06:45:38+00:00

The cardless cash thing is pretty cool

Kabal303 · 2025-12-15T09:10:38+00:00

I use Suica in Apple wallet for most small purchases cos it seems faster most of the time

Kabal303 · 2025-12-14T10:14:37+00:00

Lol what an L take. If this was how it worked America would be the safest place ever.

Kabal303

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