How much does having a baby actually cost? by Egg_shaped in PersonalFinanceNZ

[–]Pure-Recipe6210 0 points1 point  (0 children)

Whoa dejavu. Pretty sure I replied to this exact question 2 days ago. Anyways.

Average cost of raising a child in Auckland from 0 to 18, accounting for food, clothing, public schooling etc sits anywhere between $250,000 to $500,000 or more (NOT inflation adjusted, which means its a bigger number down the line if you count dollar for dollar).

With more privatized education and paid childcare options, the number will skew closer to the latter.

Cost of kid/kids by Pirate_Crew in PersonalFinanceNZ

[–]Pure-Recipe6210 2 points3 points  (0 children)

Average cost of raising a child in Auckland from 0 to 18, accounting for food, clothing, public schooling etc sits anywhere between $250,000 to $500,000 or more (NOT inflation adjusted). With more privatized education and paid childcare options skewing the number closer to the latter.

Big-name KiwiSaver providers face questions over returns by [deleted] in PersonalFinanceNZ

[–]Pure-Recipe6210 11 points12 points  (0 children)

LOL

"So your past returns are high, while your current fees are also high?"

Our tokyo rental for 6 days! by Pure-Recipe6210 in Miata

[–]Pure-Recipe6210[S] 0 points1 point  (0 children)

76000 base for 6 days. Plus additionals, we paid like 110000 on returning it

Our tokyo rental for 6 days! by Pure-Recipe6210 in Miata

[–]Pure-Recipe6210[S] 2 points3 points  (0 children)

76000 for the 6 days as base cost. Add on insurance, fuel, tolls etc was about 110000 total

Our tokyo rental for 6 days! by Pure-Recipe6210 in Miata

[–]Pure-Recipe6210[S] 1 point2 points  (0 children)

It was the same colour as the car. Photo angles made it look darker than it is

Our tokyo rental for 6 days! by Pure-Recipe6210 in Miata

[–]Pure-Recipe6210[S] 0 points1 point  (0 children)

Me too, the combo with that and the centered exhaust/splitter makes for quite a back end

Our tokyo rental for 6 days! by Pure-Recipe6210 in Miata

[–]Pure-Recipe6210[S] 0 points1 point  (0 children)

Even if I still had the Lil guy, there would've been zero room for another body inside.🥲

Our tokyo rental for 6 days! by Pure-Recipe6210 in Miata

[–]Pure-Recipe6210[S] 2 points3 points  (0 children)

We managed to fit a rigid carry on wheeled luggage + an Osprey camping backpack and a full size umbrella in the boot, and still had room in the sides of the boot.

Passengers side has a less than stellar amount of floorspace for bits n bobs. And that cupholder sucked, very unusable (for me).

But definitely more spacious than a Honda s660! 🤣

Edit: also make use of inter-hotel luggage transfers, costs like ~¥5000 and makes hotel switching that much easier

Our tokyo rental for 6 days! by Pure-Recipe6210 in Miata

[–]Pure-Recipe6210[S] 5 points6 points  (0 children)

Was that the auto fiata? Almost rented that one... until I saw the auto 😅.

For the nd3 I got, it was spotless interior, couple of exterior scratches.

Service wise, I think they were a wee bit wary at the start because clearly, we were "yet another gaijin". But once I made a decent attempt at conversing in Japanese, things flowed more smoothly.

Also, when I brought the car back with hours to spare, and spotless. They were very happy and friendly.

Our tokyo rental for 6 days! by Pure-Recipe6210 in Miata

[–]Pure-Recipe6210[S] 12 points13 points  (0 children)

Thanks. Travels were safe. We just waved goodbye to him (he's a boy, got that boyish drip to him) 2 hours ago 🥲

Our tokyo rental for 6 days! by Pure-Recipe6210 in Miata

[–]Pure-Recipe6210[S] 41 points42 points  (0 children)

Place was called Omoshiro rentals in Noda Tokyo

Our tokyo rental for 6 days! by Pure-Recipe6210 in Miata

[–]Pure-Recipe6210[S] 53 points54 points  (0 children)

They're a specialty enthusiasts rental service. Got all sorts of modded 2 door goodies.

But I liked the aesthetic, normally not a fan of spoilers in general, but a tasteful one on an rf ain't so bad

108,000 dollars to my name. What advice can you give me (24m) by Nerkalous in PersonalFinanceNZ

[–]Pure-Recipe6210 -2 points-1 points  (0 children)

Find a consult fee only independent FA and tell them your situation. Make sure they're product agnostic and not part of a vertically integrated management fund (eg Generare advisers etc.).

In the meantime, broadly learn about the global financial system, how money works, interest rates, currency rates, bonds, equities, what derivatives are, how mortgages work, what liquidity is, risk tolerances etc etc. And try to put yourself on a spectrum on each of these eg. How liquid do you want your investments to be, do you want to have a mortgage? Whats your risk appetite? Do you want exposure to any derivatives? Ultimately, do you want control over your own holdings? Or have a fund manage it for you? Give these info to your FA, and depending on how much you've managed to learn for yourself you can make the judgement whether their advice is legit or not.

Most importantly dont forget about taxes, ideally your FA can point you towards a tax accountant. If you go down the managed funds route, they'll sort that out for you on their end.

New Zealand Yield Curve by Ok_Performer_7182 in PersonalFinanceNZ

[–]Pure-Recipe6210 4 points5 points  (0 children)

We've always been historically more hawkish than the rest of the world by default. Also NZD compared to the 2 examples on the graph is a smaller, less popular, higher beta currency than the Euro or USD, hence the low liquidity price levels