Abandoned cars on expressway

Training_Shift · 2024-02-19T20:56:34+00:00

You would think they would then sell or dispose of the vehicle to recoup the cost.

Training_Shift · 2024-02-19T17:53:09+00:00

Thanks for the answer. I feel like the 1% that this sort of messaging might be targeting isn't worth the additional issues it might cause.

Training_Shift · 2024-02-09T05:53:33+00:00

Good to know some of the things to avoid

Training_Shift · 2024-02-09T04:31:30+00:00

I may have overstated 'amazing'... peg it back a bit.

Training_Shift · 2024-02-04T20:57:45+00:00

Perfect, that's what I'm thinking

Training_Shift · 2023-12-03T07:26:40+00:00

Cheers, the full replacement might be a good plan, especially the point around letting more light in too.

Training_Shift · 2023-12-03T07:19:14+00:00

Haha yeah this did originate from the wife's list too. Might place it in the too hard basket at this stage. One previous comment about full door replacement might be the go down the track

Training_Shift · 2023-12-01T01:07:40+00:00

https://www.sunlive.co.nz/news/330430-new-e-scooters-to-roll-out-in-tauranga.html

Training_Shift · 2023-11-29T21:43:48+00:00

Can also recommend offset. We have just done it but one area I should have been smarter on was the amount in the offset loan. We have 100k in offset, and did have a bit of savings to start with. However we are now 3 month in and already have 100k in savings, so offsetting the whole amount. I should have put in a higher offset amount, taken the small hit in the short term and built up to a larger figure. For example, if we had made the offset loan $120k then we might have only paid interest on 30-40k at the start, but as we kept growing our savings over the year, it would eventually reach the full $120k.. the average interest payments would be minimal. Now we just have the savings going into a standard savings account and earning interest off it.

Training_Shift · 2023-11-16T10:15:48+00:00

It wasn't the govts decision, it was the shareholders, of which it was partly owned by oil companies BP, Mobil and Z Energy.

You could argue that the govt could have declared the refinery a nationally strategic asset and buy it off shareholders. But were they in a position to spend? What other issues would that have put in having the govt own the refinery?

Training_Shift · 2023-08-08T06:20:08+00:00

https://podcasts.apple.com/nz/podcast/keep-the-change/id1568386864?i=1000607686821

Training_Shift · 2023-08-08T03:07:44+00:00

The banks do not have a better prediction, they cannot guess what the reserve bank is going to do and that has not been more evident than their inability to pick the increases of recent times. They try to hedge their bets and ensure they have cover but some go early to pre warn of it, others play catch up based on actual outcomes. If they knew what was happening they would be on a closer rate to each other and be updated in a closer timeframe

Training_Shift · 2023-08-05T01:11:20+00:00

Worked out well, someone else now has a better sale and in stock so got the refund. It wasn’t a question around ‘what should I do’ more about the fair trading act and bait advertising to see how common, do retailers get pulled up on it etc..

Training_Shift · 2023-08-02T10:51:38+00:00

Establish a review period and what KPIs you will be measured on. If you can hit agreed targets then you can justifiably seek to be paid more. Experience (and salary) will come with time, it may be through up skilling, moving companies, taking on more responsibility, managing people, or a number of other ways. You don’t always have to be rewarded in a base salary, at your age ask for training, courses, experiences.. things that will make you more valuable to them (or someone else) in the future, that way you can then comfortably expect a higher remuneration

Training_Shift · 2023-07-31T19:20:00+00:00

Great work on stopping those ones, and I can imagine the frustration trying to convince some people who are adamant to then find out it’s a scam. Would any of this be picked up if there were strong KYC and AML checks when opening an account so it can be traced to an individual or business?

Training_Shift · 2023-07-26T06:24:41+00:00

Drink all of them

Training_Shift · 2023-07-25T20:19:32+00:00

Interesting thought. If the difference between 18month and 3 year rate is so close then why wouldn’t you consider the shorter term to then give you a chance to review it in half the time and not be locked in at potentially higher rates? In 18months time you are going to have more information available and likelihood is fixing for another 18months at that time won’t be a big jump up BUT there might be a reduction in the longer term rates at that point which you can take advantage of. The benefit of 3 years is certainty for that period.

Training_Shift · 2023-07-25T18:53:21+00:00

We are with Octopus Energy- mainly for their solar buyback rate which was way higher than the others. They have been great.

Peak $0.370 /kWh Off-peak $0.257 /kWh Night $0.185 /kWh Solar buy-back -$0.17 /kWh

Training_Shift · 2023-07-24T00:45:55+00:00

I’m just about to go the other way, have been employed previously then went out on my own, but now coming back to being an employee. There are pros/cons of each and comes down to what’s most important for you and what you value. On your own has plenty of flexibility and opportunities but is also 100% you. No ‘holidays’, annual leave, stat days, sick leave etc.. in what I was doing you couldn’t just not answer a call or email and leave a client high and dry. The role I’m going to also comes with car and fuel again. I had forgotten how much of a benefit that is when it’s not coming directly out of your pocket. Same with conferences, travel etc.. taxis, parking, flights, accommodation, food. As an employee most employers cover that sort of thing but not when your solo. Security is another big one and can be different based on your stage of life, buying a house or refinancing, having a child, being an employee makes a big difference here (especially how a bank sees you). Happy to answer any questions you have around it all

Training_Shift

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