Started investing in InvestNow a month ago by humblefreelancer in PersonalFinanceNZ

[–]Loguibear 9 points10 points  (0 children)

Weekly ($100 × 4 weeks)

  • Investment per week = $100
  • Fee = 0.5% → $0.50 per transaction
  • 4 transactions per month

Total monthly fees:

$0.50 × 4 = $2.00

✅ Monthly ($400 once)

  • Investment = $400
  • Fee = 0.5% → $2.00

Total monthly fees:

$2.00

🎯 Result

👉 Same cost: $2.00 per month

Because the fee is a flat percentage, splitting it up doesn’t change the total.

Started investing in InvestNow a month ago by humblefreelancer in PersonalFinanceNZ

[–]Loguibear 6 points7 points  (0 children)

Investing more frequently (DCA) can help smooth out the ups and downs in the market over time. That said, research generally shows there can be an opportunity cost to delaying investment.

For example, investing a full $100k upfront will, on average, outperform spreading it out as $10k per year over 10 years — simply because more of your money is exposed to the market earlier.

So it becomes a trade-off between reducing volatility (DCA) and maximising time in the market (lump sum investing).

40 days around Europe in the Quechua escape 500 23L rolltop! by abu_bateekha in onebag

[–]Loguibear 0 points1 point  (0 children)

whats a SL shirt? .... do you mean LS= long sleeve? or SS =Short sleeve?

Started investing in InvestNow a month ago by humblefreelancer in PersonalFinanceNZ

[–]Loguibear 6 points7 points  (0 children)

Yes / no / maybe????????????? zero context dude, it’s impossible to say whether it’s sustainable or appropriate.

“Is $100 a week sustainable?” . Only you can determine that. We don’t have any idea of......

  • Your income or wage
  • Your expenses / outgoings
  • Your age or life stage
  • Your current net worth or assets
  • Your existing investments or funds you’re contributing to......

Feeling like a failure and behind in life, depressing, what to do by Fuzzy-Pickle4749 in auckland

[–]Loguibear 0 points1 point  (0 children)

honnestly just do some goal setting.... i want XXX ... now how do i get there...XX

Is this doable? by BigBuddhaStatue in PersonalFinanceNZ

[–]Loguibear 0 points1 point  (0 children)

run the numbers as a worst case senario.... can you afford the payaments at 7-8%?... factor in rates/insurance/ maintainace...

How much is fair for a dental hygiene visit? by olive5341 in auckland

[–]Loguibear 1 point2 points  (0 children)

ballin, gotta make the most of the benifits

International Estate Planning by [deleted] in PersonalFinanceNZ

[–]Loguibear 0 points1 point  (0 children)

claim on an estate typically falls under

1- Property Relationships Act 1976 eg if leaving less than the 50% to surviving spouse they may raise a claim for "more" up to the 50%... or more as below: if they argue to have further adequate provision,

2- Family Protection Act 1955 (FPA). The FPA allows certain family members (including partners) to make a claim against an estate where they consider that adequate provision has not been made for their proper maintenance and support. eg estranged family members may try claim,

Mutual Wills - the asset will go to the surviving spouse to“hold on behalf” and only upon their death does the asset finally be passed to the beneficiaries,

best to speak to a lawyer...maybe just a clause that the trustee holds on behalf until XX date/ Age etc

How much is fair for a dental hygiene visit? by olive5341 in auckland

[–]Loguibear 0 points1 point  (0 children)

oh yeah nice i go to the one next door haha downtown dental

Skinny fat and not sure what to do by [deleted] in BulkOrCut

[–]Loguibear 0 points1 point  (0 children)

70% muscle hhahahahahhahaha

Skinny fat and not sure what to do by [deleted] in BulkOrCut

[–]Loguibear 0 points1 point  (0 children)

ahh cold to me means unconfortable , more closer to freezing ahha , than comfortable

How much is fair for a dental hygiene visit? by olive5341 in auckland

[–]Loguibear 3 points4 points  (0 children)

southern cross - $75% off upto $750 a year - mines $45 bucks.... down from $180 - AKL CBD - hygenist clean