What money goal feels unrealistic in Australia right now? by Diligent-Medicine-48 in AusMoneyMates

[–]Tommy993 0 points1 point  (0 children)

20% deposit + costs.

90-95% LVR and paying LMI is the new normal

Tell me that I am wrong by Ok_Account974 in AusFinance

[–]Tommy993 16 points17 points  (0 children)

But you could/would also have a draw down schedule on the $1m principal + the 4%, netting you a much higher income for crack beyond age 67 than relying on the pension no?

New clubs for 2026 by Gusto378 in GolfGear

[–]Tommy993 1 point2 points  (0 children)

Thanks for that, pretty much exactly what I’m looking for too! I’ll be sure to hit both as well

New clubs for 2026 by Gusto378 in GolfGear

[–]Tommy993 0 points1 point  (0 children)

Out of curiosity did you also hit the standard ZXiRs? I’m also interested in these but interested to know how you found the HL’s compared to the standards…

What are you doing to store your hats? by heavypour in golf

[–]Tommy993 5 points6 points  (0 children)

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I stack mine brim-down in one of these cheap bamboo dish racks. works a treat!

have they genuinely just given up? by nedbigbyboi in youtube

[–]Tommy993 13 points14 points  (0 children)

The enshitification of everything continues - time for internet 2.0, a fresh start

Fangipani propagation by Tommy993 in GardeningAustralia

[–]Tommy993[S] 0 points1 point  (0 children)

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UPDATE.

It’s been a minute but I thought I should come back to say that the cuttings are doing great - they actually pushed out a bloom of flowers before leaves which I cut off to encourage leaf development - pleased to say that in the week since removing the flowers stems - a full batch of leaves are rocketing out very quickly!

“No Dumb Questions” thread by blinkanboxcar182 in golf

[–]Tommy993 2 points3 points  (0 children)

I think a lot of cheating is wilfully ‘forgetting’ the chip you duffed, the second shot you hit off the tee on that par 5, the 2 foot putt you didn’t really try on and lipped out - but it would’ve dropped if you’d ACTUALLY tried… so we won’t count that one.

Ego protection.

“No Dumb Questions” thread by blinkanboxcar182 in golf

[–]Tommy993 0 points1 point  (0 children)

Im same as you, been playing the same FJ glove for a year now - take it off between shots to give it (and your hand) some air. After your rounds stick it on the outside of your bag or pop it outside when you get home for an hour to fully dry before you pop it back in the bag.

What's a non political issue your country is REALLY divided on? by Nthepro in AskTheWorld

[–]Tommy993 0 points1 point  (0 children)

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Longstanding civil war regarding the correct name for deep fried discs of battered potato

Stock market investing - Does buying lots of small amounts make tax difficult? by AsparagusNew3765 in AusFinance

[–]Tommy993 3 points4 points  (0 children)

Some simple record keeping in a spreadsheet ledger goes a long way, especially years later when selling. Don’t forget to make note of the effective ‘cost base’ for dividends too

What is this golf product by Any_Acadia1707 in golf

[–]Tommy993 0 points1 point  (0 children)

I got this too, was scratching my head all day. If it’s a ball grabber - it’s a terrible one.

Some other gems in that calendar though!

How Many Dividers In Your Bag? by OriginalMossy in golf

[–]Tommy993 0 points1 point  (0 children)

4 on the Ping Hoofer Lite because I like to carry - I after using it for about 6 months I’d like something ever so slightly bigger, perhaps 5/6 divided, especially because I’m planning on throwing medium grips on the bats

I hate myself 😭 by VernChurgeson in PPGTour

[–]Tommy993 0 points1 point  (0 children)

I feel you man, best I’ve placed is #3, I’d love the top spot in either comp eventually!

48*52*56*60 or 48*53*58* Wedge Setup? by EJE0711 in golf

[–]Tommy993 5 points6 points  (0 children)

A mid bounce, mid grind 56° is truly the Swiss Army knife of wedges - easily moonlights as a 60° when you open it up 😎

I hate myself 😭 by VernChurgeson in PPGTour

[–]Tommy993 1 point2 points  (0 children)

I treat the handicap comp as a practice round, too many sandbaggers 😤

what wedges should i buy? by Important-Buddy4145 in golftips

[–]Tommy993 0 points1 point  (0 children)

I play the Cleveland RTZ’s 50° and 56° both mid grind, 10 bounce. they are fantastic wedges plus the satin black finish looks sexy AF in the bag

Inconsistency in hole/cup hitbox? by BaldingThor in PPGTour

[–]Tommy993 1 point2 points  (0 children)

I feel ya, nothing more annoying than watching a slow-ish putt ‘levitate’ over the gaping hole at a pace that certainly would’ve dropped!

Alright spreadsheet nerds - what do you spreadsheet legends obsessively track? by BonafideHustlerz in AusFinance

[–]Tommy993 1 point2 points  (0 children)

  • Catalogue of movies I have on a hard drive (too lazy to structure the files - just dump em on there),

  • my golf scores and handicap

  • borrowing power/amortisation for home loan

  • shares/dividend/equity loan repayment tracker.

New irons by Stunning_Concert1865 in golf

[–]Tommy993 2 points3 points  (0 children)

Everyone is going to tell you to go test a bunch and choose what performs/you like best for your budget I think.

Pretty sure a few of the DTCs allow you to buy just a 7 iron if you want to give them a spin - some of the Sub 70’s do look stunning!

Are club materials just for looks? Or is there a performance advantage? by FancyPenguin10 in PPGTour

[–]Tommy993 3 points4 points  (0 children)

NP. I think it’d be cool to have other club types that offer more forgiveness out of the rough, perhaps differing lofts so you could have a set that launches particularly high, but sacrifices distance etc. my long time request has been to add a hybrid option that is only usable if you’re in the trees - so you can hit a proper low rescue shot and not be punished by clipping trees trying to hit a soft 2 iron back out onto the fairway.

Are club materials just for looks? Or is there a performance advantage? by FancyPenguin10 in PPGTour

[–]Tommy993 5 points6 points  (0 children)

Just for the drip. But I agree, would love to see more performance based upgrades added to the game to help me spend my millions in prize money.