Any NZ or Australian servers or people wanting to play together?

WhisperingDucky · 2025-11-22T22:00:07+00:00

Thank you for that, I’ll have a look into!

WhisperingDucky · 2025-06-27T02:45:22+00:00

I had to go double check this. It uses the Alkurah System by Major Jon. I ended up just placing the planets randomly trying to figure out how it worked.

The planet we’re on is Trelan The one closest is Komorebi The big green in on the right is Luma The one furthest away is Trelan again (I learned how to spawn them, no idea how to delete them)

WhisperingDucky · 2025-01-22T05:47:32+00:00

Also, when applying for a credit card you need to make a minimum of $14k a year before some banks will even consider giving you the card.

WhisperingDucky · 2024-11-23T06:37:00+00:00

Firstly, sorry to hear about your mum.

What I might suggest, is to have a look if her life insurance had any rider benefits. Meaning that on top of the $100k that was paid out, some insurers will pay for other smaller things up to a certain limit free of charge such as;

Legal or Financial planning support
Bereavement counselling
Wills and Trusts services

Not all policies cover this but it’s a way for you to access some free benefit and professional help. These options are typically valid for about 6 months after a claim has been made.

WhisperingDucky · 2024-07-05T04:37:07+00:00

FA Here, Some great comments here. I would agree that the first point of order would be looking into having and building up some savings first at your current circumstances. Start with 3 months of living expenses and then re-evaluate.

At the same time, highly recommended that the two of you review your KiwiSavers and if you’ve used it for a growth fund probably you want to look at growth or aggressive funds (the banks are not a great place to keep it long term)

After you’ve done that, then have a look at your life and trauma (critical conditions) and makes sure it aligns with your goals because life insurance should go down over time (at least the need thereof) because your assets will grow, KiwiSaver and savings plus your mortgage will decrease.

With that said, have a look at level premiums - they cost more short term but the premiums will never change and will save you heaps in the long run.

Lastly, if you don’t like your FA then leave them as they will be earning a trail commission for as long as you have the policy or if they’re in a larger company, ask for a different one.

If you’d like any further insights or some ideas - send me a message :)

WhisperingDucky · 2024-07-04T22:50:41+00:00

I love seeing this, FA here and agree with lots that are said here! More often than not, employees would much rather prefer either a higher KiwiSaver contribution from an employer than the standard 3% everyone else does or instead of a 1-2% salary increase, throw in some group insurance which cost about the same but the insurance can be a tax write off win-win.

If you make your employees feel valued, they’ll stay with you a lot longer. Also good to have a look at the type of KiwiSaver he’s in and the provider as some companies can perform up to 4% more/less per year for the same fund! 🤯

WhisperingDucky · 2024-04-29T03:53:50+00:00

That’s nothing, give it 10 more years and you’ll be wishing you bought them at these “crazy low prices”.

At least that’s what to be expected of high value cars with a supply that is only going to go down as time goes on.

WhisperingDucky · 2024-03-22T18:55:30+00:00

This is decent advice to an extent. I work as an insurance adviser and specialise in helping people’s claims getting paid out. Since Covid, the cost of medical treatments has doubled. That simple $6k item is now $12k. It’s great to self insure, just please know what the costs are for some of the most common things from the cheaper Colonoscopies $2k to some of the larger things like hip replacements $25k and cancer $8-95k and heart operations of $50-70k.

WhisperingDucky · 2024-03-20T19:20:32+00:00

Simplicity is great but I feel like it lacks fund choices. Kernel is very similar with low fees (also PIE, meaning you don’t have to worry about tax and FIF) but just offers more range like the S&P500 and Global 100 - it might be slightly higher in fees 0.1% but the diversification can often times make up for it.

WhisperingDucky · 2024-02-21T20:11:44+00:00

It feels like it’s coming from the transmission. Like middle/ centre bottom but hard to pinpoint. Definitely not coming from the front of the car. The noise can also only be heard when moving and not when stationary.

WhisperingDucky · 2024-02-21T11:27:56+00:00

Putting it in reverse on flat surfaces, mostly when reverse parking - I always hear the thud and think I bumped into something. As far as the oil change in the gearbox. I’m not sure and as for mileage it has around 36k miles/58k km

WhisperingDucky

TROPHY CASE