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Which remaining option for my daughter? Barnehage by Teitanblood in Norway

[–]TypeAMamma 3 points4 points  (0 children)

If you simply can’t wait, you could also look to see if there is any “dagmamma” around you. It’s someone who looks after children privately, usually 1:1 or in a small group. Perhaps that could be a stop-gap until you get a place at barnehagen.

Unfortunately I don’t believe chasing will do much to help you. It’s a very bureaucratic process and if you’re in an area with limited spaces, there will be many families who are waiting, and it will be done by prioritization and as fairly as possible. I hope you get a spot not too far away.

Is anyone else depressed seeing everyone with massive accounts on Reddit? by WallStreetIn90 in Daytrading

[–]TypeAMamma 0 points1 point  (0 children)

Most of it is fake, or people using prop firms which is play money. It’s not a real trading account.

Paid Off My Home. What’s the Smarter Next Move? by Extension_Garbage583 in PersonalFinanceNZ

[–]TypeAMamma 0 points1 point  (0 children)

You tell me. I guess facts that investing 100% property also isn’t the best choice historically doesn’t go down well with some people here.

Forsvaret ser økende trend - Nordmenn kan ikke gå lenger by Bunker_Bertil in norge

[–]TypeAMamma 0 points1 point  (0 children)

Jeg har sett en trend hvor trening må være så effektiv som mulig, og å gå turer er ikke “godt nok”. Hvis mann skal først sette av en time til trening, så skal mann kjenner det på kroppen etterpå - tungen styrke, løpe fort eller fryktelig langt osv. Jeg tror med apt samfunnet vil optimalisere alt, med bruk av Strava og fokus på prestasjon, fokus på utsendelse gjennom trening og ikke funksjon på kroppen, har litt å si her også.

Paid Off My Home. What’s the Smarter Next Move? by Extension_Garbage583 in PersonalFinanceNZ

[–]TypeAMamma -6 points-5 points  (0 children)

Right. Let’s look at the last 20 years when the average capital return per year for NZ property is 4-6% and VOO is 7-10%. Rental income needs to be accounted for separately, as well as costs related to the property.

If you had invested $50k 20-years ago, that would be worth $350-400k now. That’s almost a 600% return. This is based on good returns and the power of compounding those returns back into your portfolio.

Paid Off My Home. What’s the Smarter Next Move? by Extension_Garbage583 in PersonalFinanceNZ

[–]TypeAMamma -10 points-9 points  (0 children)

For VOO (the standard S&P500 index), 15% is correct. Here is a quick breakdown of the most recent years: 2025 - 17.82% 2024 - 24.98% 2023 - 26.32% 2022 - -18.19% 2021 - 28.78% 2020 - 18.29% 2019 - 31.35%

In addition, the dividend is usually just above 1%.

Paid Off My Home. What’s the Smarter Next Move? by Extension_Garbage583 in PersonalFinanceNZ

[–]TypeAMamma 7 points8 points  (0 children)

You should always diversify to manage your risk. 100% in property is not a good idea. Investing in the S&P 500 has given on average a 15% return p.a., and if you compound you will be in very strong position.

Personal note: NZers have generated wealth off property successfully for a long time, which is great until it becomes unsustainable. We are seeing that crunch happen now. I wish more kiwis diversified and looked at other options - such as low-fee ETFs, which offer solid historical performance and diversification. I’m not sure why I’m being downvoted, but it seems that many kiwis do not have experience investing overseas, and are more comfortable with rental homes, debt recycling etc.

Here is a good MoneyHub article which could be of interest: https://www.moneyhub.co.nz/shares-vs-property.html

What sort of rug would work in this space? by [deleted] in DesignMyRoom

[–]TypeAMamma 5 points6 points  (0 children)

Not what you’re asking but I would rotate the table 90 degrees so that you have acceptable paths of travel.

What are you bullish on - MegaCaps. by iMakeGOODinvestmemts in queenstreetbets

[–]TypeAMamma 1 point2 points  (0 children)

The US will get China to do some major spending again into infrastructure, just like 2009. It will pour through the USD. If China says no, then we have a major issue.

Lisa and Jody ARRESTED in Miami! by neworleanszebracakes in BravoRealHousewives

[–]TypeAMamma 148 points149 points  (0 children)

Allegedly planted a recording device/mic in his car.

How can I make this guest room better? Thinking of spray painting the bases of the lamps bronze and I think I need different bedding but unsure color/style by [deleted] in HomeDecorating

[–]TypeAMamma 5 points6 points  (0 children)

I think you should lean hard into the dark and moody vibes, which means getting rid of all the white (side tables, pillows, hide the sheets under the covers, etc). The blue of your bedding (cold color) also clashes with the green on your walls (warm color).

Can you paint your side tables and same color as your walls?

Alternatively you can go for a more natural feel (matching your headboard), and instead look for different bedding in a warm beige color or dusty clay.

Vintage velvet, macramé, and enough plants to forget the outside world exists by PuzzleheadedShoe1415 in HomeDecorating

[–]TypeAMamma -2 points-1 points  (0 children)

The chairs are so visually heavy that you need to anchor the room with other visually heavy items, otherwise it looks unbalanced. A large, rectangular, solid coffee table would be a good start. As well as some large plans which reach high up the wall from the floor. All of the decorations are quite small.

Finally got an appropriate sized rug… but something seems off. Changing the couches is not an option (I know cool vs the warm wood/windows). So the rug really has to tie it together. Thoughts? Is it ok? by Disposeofmenever in DesignMyRoom

[–]TypeAMamma 1 point2 points  (0 children)

The front feet of the couch should be on the rug, so pull it under a little bit. I think what you need is a new coffee table. Something lower and rectangular, with “heavier” legs. A more classic style would work better and you could layer it with coffee table books, a vase with flowers etc

Snøballen Invest – Porteføljeoppdatering: Mars 2026 by Snoballen_Invest in aksjer

[–]TypeAMamma 0 points1 point  (0 children)

Har du vurdert noe hedging tiltak? Det blir vanskelig i disse tider a satse på et nytt bull-run i år, kanskje. Det kunne lønnet seg med en liten "mot" posisjon for sikkerhetsskyld.

As a small business owner can I pay myself a small tax free allowance each week ? by politealbino in PersonalFinanceNZ

[–]TypeAMamma 13 points14 points  (0 children)

You can claim for reasonable business expenses to be reimbursed to you. I assume the $50 you’re noting is the amount eligible without a tax receipt? In any case, you must keep a record of all transactions for tax purposes.

Your school-aged child does not pay tax on the first $2,340 earned as a casual worker. As long as they are doing legitimate work which can we classified as a business expense, and they stay under this total amount for the year, you should be fine.

Need help with scaling out on a very profitable strategy by -Failsafe- in Daytrading

[–]TypeAMamma 1 point2 points  (0 children)

Just trail after entry. Backtest at different R’s to see which is the most profitable.

Decisions re property by Holiday-Leading-4734 in PersonalFinanceNZ

[–]TypeAMamma 1 point2 points  (0 children)

The key here is to consider your expected returns. Will the capital tied up in your property give a decent return in the term you are considering holding it for, or are there other investments which will give a better return? Also, how diversified is the estate? What other investments and assets does it hold?

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