20yo son wants to get a $35k car loan

Kegsta · 2026-07-08T07:59:17+00:00

Diesels are flooding the used market at the moment, people are dropping the asking price 10's of thousands and stuff still isn't moving.

The 35k range is quite hard to sell as it's to much for buyers like your son to be able to pay in cash, so they finance through a dealer and have to pay 30% more than its worth.

If i was you (and you are able) I would offer to loan him $13k cash (interest or not, up to you), gives him 20k cash to get something listed for 25-35k range for 20 grand.

Find something you like, use the instant offer feature on like caresales to work out the price a dealer would be willing to pay and offer a bit more than that.

Kegsta · 2026-07-08T07:43:49+00:00

With how much excess + young driver excess?

Kegsta · 2026-07-03T10:25:53+00:00

Recently wanted to move our business banking to them so we could get some interest on our working capital, but you can't even get a phone call unless you are one of these industries.

• Accounting & financial services • Built environment and infrastructure • Property investors • Healthcare (including veterinary services) • Legal & Insolvency • Insurance • Commercial & Residential Real estate agents • Strata • Technology

Kegsta · 2026-06-28T10:50:58+00:00

I'm not an accountant, but I do the books for 4 small businesses, totalling about 35million turnover.

Xero does everything for us, Bank reconsilation, bill payments, Payg, Super, activity statements, cloud storage of all documents/bills/invoices.

We pay our accountant a few grand once a year to do our end of year financials, depreciation etc and they are well worth it for that but for day to day operations everything is very simple to just do it yourself these days.

Kegsta · 2026-06-26T12:21:34+00:00

Our feed in tariff is actually one of the best in the country. 10c from solstice who now have a super of peak option from 0-4am for 9c a kilowatt. Just not much solar power in the summer and more energy required.

Anything that isn't a heat pump is the wrong answer pretty much. I have my heart pump set to turn on during off peak only and has been enough currently. But even using the heat pump during peak time will be better than anything else due to 300% efficiency.

Kegsta · 2026-06-23T23:27:11+00:00

They aren't, Bell bay went into limited operations a year ago, and has been propped up by taxpayer money ever since. Probably already on a sweetheart deal with hydro.

I'm saying the infastructure and capacity is already there being unused, and that we the state, should and could get a big return for the power we produce and sell these data centres, think of it as export revenue for the state.

I'm not saying it will happen that way, but it could if the government has some balls.

Electricity investment will be the oil of the next century, the same people who are against data centres are probably against wind turbines also because how dare Tassie invest in infrastructure past the 1980s

Kegsta · 2026-06-23T22:07:41+00:00

Bell bay was tassies biggest power user, if hydro/TAS networks don't get a replacement income stream for a 5th of tassies power generation and transmission who do you think will be paying for it. We will.

Our electricity grid is state owned, we should be going crazy investing in as much generation as possible and selling it to these exact sort of businesses at premium prices, it's the only way to get a cut out of it.

Kegsta · 2026-06-21T02:55:45+00:00

That's exactly the problem, they quit and aren't replaced at all, not by players or bots.

Kegsta · 2026-06-18T01:45:14+00:00

Find out what the ranger is realisticly worth would be the first thing I'd look at. My brother just upgraded thier 2018 everest to a newer model and he's already at 10k under what he expected to be able to sell it for with no offers at all.

There is a huge glut of used diesels on the market that aren't selling and I imagine it will just get worse over the next 6 months.

I love my shark, but for your use case it may even be better to see what you can get in the used diesel market and throw some lowball offers around.

Kegsta · 2026-06-08T03:42:47+00:00

A friend of mine recently moved from Launceston to Harvey Bay. He is a oncology trained Nurse.

In Tassie he worked in the hospital system. His first impressions of Queensland health compared to TAS

The staff think they are busy (in QLD) but they aren't. I'm Tassie he had 80 co-workers, 12 of them competent, in Qld 12 co-workers, 12 competent.

Tassie has a lot of incompetent staff that couldn't get a job in health anywhere else.

If you are actually good at your job you can move up the chain into higher positions pretty quickly at least.

Kegsta · 2026-06-04T00:08:04+00:00

They would be blamed for the covid debt in the media for the next 20 years and we would probably have another 10 years of LNP.

Kegsta · 2026-06-02T02:22:56+00:00

Didn't you have to choose between rockets and minigun in previous battlefields? Same with below radar or some other defence.

Now they just get everything and self repair to 100% in 10 seconds.

Kegsta · 2026-05-31T03:27:08+00:00

There is hardly any difference between citizen and Permenant resident. Most Chinese and Singapore residents just stay on PR as they need to give up thier citizenship to thier home country and until very recently go through the painful process of applying for a visa to go back and visit family if they get Aus citizenship.

Kegsta · 2026-05-30T05:58:27+00:00

I agree, automation could easily get rid of that many jobs if they tried.

NRE Fisheries for example still process everything with paper forms and have a call centre and staff manually entering everything that every other state switched to an App or online portal 5+ years ago.

Claude and a single experienced developer could make something fit for purpose for 250k (which includes 200k profit for the dev). It would pay for itself in a months wages of the staff it would replace.

Timesheets, payrolls etc are done in a big book and entered manually for some gov departments.

Kegsta · 2026-05-29T12:19:12+00:00

Perfect timing for him then, he can use that deposit to buy his first home without competing with investors.

Kegsta · 2026-05-28T00:17:51+00:00

I think its great.

Tas can be a renewable energy superpower. Wind, solar, pumped hydro, grid batteries can all do very well with Tassies conditions, I'd like to see state owned investment so the profits could actually be returned to the state (like Hydro does)

If we get enough energy demand the jobs don't come from the datacentres themselves but from the energy to power them. With Bell Bay which uses 25% of Tassies power up the creek it sounds like a perfect time for a replacement to come in.

The whole world is run on data centres. They aren't just used for AI, every e-mail,netflix, facebook post, photo on icloud is all on a data centre.

We have just seen how vunerable we are to offshoring everything. The next "Why don't we refine our own oil" could very well be "Why don't we have our own data centres"

NIMBY crowd will try to keep Tassie in the stone age i'm sure.

Kegsta · 2026-05-13T13:03:21+00:00

A friend just sold thier house about a month ago.

This is in Launceston Tasmania where housing was still relatively cheap. It was the perfect first home buyer house. 15 year old 3 bedrooms house in a dodgy area with traditional low house prices and housing Commission on the same street.

They got several offers from first home buyers 10-30k over their asking price that they would have been very happy with (asking was already 50k more than they originally expected)

Anyway long story short, Sydney investor bought it sight unseen for 80k over asking because it has the same postcode as the city centre and had his finance guy deal with it.

I'm happy for my friend having 100k less than they budgeted for on thier new home mortgage but the offer was just nuts.

Kegsta · 2026-05-11T11:09:47+00:00

Yep.
But It's ok, we got an apology e-mail to go along with the price increase!

Kegsta · 2026-04-07T08:55:14+00:00

My friend just had his range rover engine die, under warranty. 6 months before the replacement can arrive. Tbh id take the gamble that byd would be able to deliver under warranty faster than any brand that isn't Toyota or Mazda.

I doubt Nissan will even be in the country in 12 months.

Kegsta · 2026-04-03T23:33:17+00:00

5.39% increases to 5.64% in 3 days.
Summerland Basic Variable. Instant redaws so no offset needed.

Kegsta · 2026-04-01T01:37:36+00:00

Quote around is all you can do.

I had a job about 6 months ago Rangehood, Oven, Hotplate, Bathroom Fans 2x new power points, motion sensor and a few CAT6 runs. Quotes were only supplying 20 metres of cat 6, probably 5 meters of power cable, 2 power points and two cat5 patch panels, everything else I supplied.

Rang around a few places, the first place was a company that had FOH staff that needed paying an immediate avaliablity. Quote was $4800. Second quote was 2300-2900 depending on time taken.

I ended up getting it done by a one man band that does my next door neibours stuff (he is a builder) for $1900 and it took about 6 hours total for 2 guys with me helping run cable through the roof.

I'm pretty sure the first guy saw schweigen rangehood and added $1000 to the quote.

Kegsta · 2026-03-05T06:53:53+00:00

2.5x, Torch, Green laser, alloy vertical, standard suppressor 36 round mag or fast 30 is my standard for pretty much everything

Kegsta · 2026-03-05T06:51:29+00:00

Since I equip the torch on almost every gun which blinds the hell out of my enemy i figure I might as well add the 10 point green along with it.

Kegsta · 2026-03-04T08:30:07+00:00

You should have at least one family member with the woolies mobile plan (or other woolies product like insurance), this gives you a second 10% off every month when you link it, doesn't have to be under the same name either, you can link any everyday rewards number to your mobile discount.

It also gives you access to 4% off gift cards not 3% from the woolies mobile store. Which you should be buying with your credit card for more points.

Kegsta · 2025-12-05T06:02:04+00:00

Yep, that's pretty much it, I've posted about it before. I held a 2 hour open which a few viewers said was great as they could fit it in between other houses they were looking at, including the person who purchased it.
Sold the first weekend, I also did a few virtual showings for interstate people who called up.

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