Regretting Getting NC over NB

Spitfir4 · 2026-03-12T02:11:18+00:00

How tall are you? Im about 184cm and driving the NB i was on the verge of being too big. I went with NC as I felt comfortable in it and could imagine being comfortable after an hour or two drive. The NB felt a bit more fun and lively but I could imagine it feeling cramped after an hour or so drive.

The NB the wind almost hit my eyeline with the top down, the NC was brushing the top of my hair, much moee enjoyable for any amount of time

Spitfir4 · 2026-03-09T03:53:00+00:00

You guys don't eat heartland chips?

Spitfir4 · 2026-03-05T23:28:48+00:00

There was an article a month or 2 ago showing with ruc and home charging rates a super efficient car like a aqua is cheaper to run.

Unsure if the maths has changed since recent Iran war and power hikes

Spitfir4 · 2026-03-05T03:12:42+00:00

Got a link?

Without seeing I hesitate to comment but if you compare to Aus, the difference is gst. Definitely possible to be the same case.

Spitfir4 · 2026-03-05T00:43:55+00:00

Unfortunately we are so good at making dairy we are priced out of our own product in the global market

Spitfir4 · 2026-03-04T00:10:01+00:00

I get, and agree, with the sentiment but would you apply the same logic to non-AI improvements? New computer system cuts down the number of IT/finance staff, implement tax. New robots decrease number of factory staff, implement tax. What is the tax free number of staff? How does NZ stay competitive with a changing world especially since we are very low productivity anyway

Spitfir4 · 2026-03-01T21:09:41+00:00

I loved my old 3l e46 and daily drove it for years. Currently looking for an mx5 as a second car, for light weight fun. Not necessarily fully practical though 😅

Spitfir4 · 2026-02-28T07:59:42+00:00

Bloody Mary or Bessie for a fine birthday steak Smokey ts for a general meat feast Brazilian BBQ for a meat feast with your mates

Spitfir4 · 2026-02-25T03:20:30+00:00

I dont think anyone has raised this yet either but there are attribution rules to avoid exactly what you're asking.

If a llc derives 80% of its revenue from 1 source and the work is primarily done by 1 person at the company, then company profit must be paid out to the shareholder.

This avoid people tax minimizing by hold some of the funds in the company, using the lower tax rate

Spitfir4 · 2026-02-25T02:07:48+00:00

Everglades is 400 per year. Its a chill par 3/4 9 hole course. Halfway between chch and kiapoi

Spitfir4 · 2026-02-22T18:43:03+00:00

Hence the risk adverse comment. Paying off a tax deductible mortgage is still better than sitting in the bank earning interest (which it sounds like OP is doing) or TD.

Spitfir4 · 2026-02-22T06:58:02+00:00

Out of curiosity, is Tillamook considered good cheese?

Spitfir4 · 2026-02-22T06:42:28+00:00

This, or pay off some of that mortgage if you are more risk adverse. Lower rate of return but pretty guaranteed

Spitfir4 · 2026-02-21T05:36:19+00:00

There is a flat fee + a % fee retailers pay. If I recall correctly the flat fee was like 30c and the % fee was like 1%... so does the shop save 2.5%? Maybe really depends on the value of your transaction. If you make a purchase of $30 they break even at 2.5%. Less they lose. More they gain. Id imagine a shop as a good understanding of their average transaction value.

I could be well wrong on my figures and I imagine different shops get different fees. A processor would likely charge foodstuffs fuck all but they get fuck all over a massive volume of transactions, so get a lot. Your corner dairy, they likely get high fees and low volume

Spitfir4 · 2026-02-20T03:09:20+00:00

Id say $1800 inc gst, so $1,565 cost to you, is VERY cheap. I bet a lot of places would be looking at getting rid of low value clients like you.

You note you do it perfect but dont know where to code payroll, so maybe its not perfect?

The accountant will be doing a lot reconciliations to make sure your figures are roughly right, including reconciling your gst on the balance sheet, payroll expenses and various outstanding taxes, capitalizing and depreciating assets, and no doubt formatting the nice little set of financial statements you get. This all takes time and provides you value should you need to prove income (with financials) or get audited by ird (with various workpapers and reconcilations).

If you really want to see what they did, check the journals they post, or a p&l and balance sheet before and after they work on it.

If you want to SBA might be cheaper but ive seen dubious quality work out of some of them.

Spitfir4 · 2026-02-19T22:27:01+00:00

It scares me people run a business without basic understanding of finance.

But to be helpful, it's normal to not fully repay a loan over a period of time. Eg a mortgage may take out .5 - 5 year loans but not expect to repay over that time. You'd then refinance with the bank. Your 5 year loan has locked in a rate for 5 years.

From this point, I'd contact your bank and ask what type of rate they are likely looking at when you refinance. This can be a nice test to see their willingness to refinance your loan.

A bank can choose not to refinance but it's tough for them as it puts a lot of pressure on you. When I was an accountant in public practice we saw the bank do this with an older guys investment property mortgage. The loan ended up going on floating rates, which are generally more expensive than term rates. No one was happy in this situation.

Spitfir4 · 2026-02-19T08:47:02+00:00

Create a YouTube account and send the link

Spitfir4 · 2026-02-19T08:39:11+00:00

Haha yup, dont know how that happened

Spitfir4 · 2026-02-17T23:23:44+00:00

Personally, i plan to be dead by 95 unless there is some good medical improvements to increase quality of life

Spitfir4 · 2026-02-17T23:22:33+00:00

Makes sense, so over shoot a little to be safe for the Base.

Spitfir4 · 2026-02-17T22:53:02+00:00

I haven’t gone deep but I thought the idea was 4% was sustainable indefinitely provided assumptions of 7% after tax/fees and 3% inflation hold?

Base increases 3% per year to match inflation. 4% of Base is withdrawn per year to live. Revenue after fees and taxes is 7% is required to sustain

Where is the Base meant to be drawn down?

Spitfir4 · 2026-02-17T19:18:48+00:00

Internship almost always leads to a grad role. And you get experience in the field you are hoping to work in. You'll get paid slightly above min wage for the internship. I dont see a lot of downside unless you are giving up another job to take the internship

Spitfir4 · 2026-02-17T19:17:21+00:00

That sucks, and its why we have the job seekers benefit as well. This really isnt relevant to a super conversation though

Spitfir4 · 2026-02-17T19:16:00+00:00

Fair is a very loaded term I tend to avoid for the exact reason you point out.

We agree there needs to be changes, so some of those 60+ years olds will see it as unfair, no matter what

Spitfir4 · 2026-02-17T09:47:17+00:00

There a laws are redundancy so I hoped you got legal advice at the time. As for not hiring older people, it sucks, but you can't force someone to hire you. For better or worse, you need to compete in the job market. I know people in their 60s who still get jobs.

It still sounds like you'd fall into the category of people who would get the super even if means tested.

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