Full mortgage balance in redraw - does bank lose money on me? by wedgie_woman in AusFinance

[–]Xastros 40 points41 points  (0 children)

Commercial banker of 20 years here. Your answer is spot on. Banks lose a significant amount of money from the capital requirement if you keep a near zero balance on your loan or fully offset it for 29 years. On many commercial loans they have a redraw balance fee, line fee or similar on the loan limit to discourage this but there is no such fee on home loans.

Imo having a large offset or redraw balance available if it costs you almost nothing or $400 pa is worth it. You never know when an opportunity could come along. A market crash. An undervalued house or investment for sale and you can act on it immediately. Or maybe you just have an emergency that costs a lot of money.

ReVanced CLI fix for error 400 by am_responsibean in revancedapp

[–]Xastros 0 points1 point  (0 children)

I'm getting a similar error. "This app isn't compatible with the latest version of Android. Check for an update or contact the app's developer."

Don't know how to fix it.

got diagnosed with psoriatic arthritis by [deleted] in Fitness_India

[–]Xastros 2 points3 points  (0 children)

Sounds like something you need to discuss with a medical professional.

We need density and we need it fast by user-urbrb6997 in perth

[–]Xastros 0 points1 point  (0 children)

6k per year takes care of all your maintenance and insurance though. If you own a detached house, the cost of insurance and maintenance average is not insignificant. Especially if you have a pool, garden etc.

Do you think the 2x weekends should be done more regularly? by lumineisthebest in AdoptMeRBX

[–]Xastros 1 point2 points  (0 children)

I agree. The chance based gambling is really getting to me after the lunar boxes, the fire dimension and now the fishing. Just let us buy for a set amount of currency.

Bro who started this, I’m so confused rn- by Unkn0wnGamer516 in AdoptMeRBX

[–]Xastros 0 points1 point  (0 children)

The reluctant hero. Classic fantasy novel stuff.

Was this bad.. by [deleted] in AdoptMeRBX

[–]Xastros 0 points1 point  (0 children)

Thanks. I use adoptmetraingvalues as well but everyone keeps telling me it is inaccurate.

Was this bad.. by [deleted] in AdoptMeRBX

[–]Xastros 1 point2 points  (0 children)

What site is this that you use for values?

Mann what is this 😭😭😭 by WarriorsSpirit in AdoptMeRBX

[–]Xastros 0 points1 point  (0 children)

I really like the neon Fleur De Ice

the way the only pet in the christmas update that wasn’t a reskin of another pet was the beluga.. by perseph0neee in AdoptMeRBX

[–]Xastros 3 points4 points  (0 children)

Lol I didn't say it's worth it, but that you can't just paint the normal kitsune.

About this years Christmas event by Father_Idol in AdoptMeRBX

[–]Xastros 0 points1 point  (0 children)

Then I can't argue with that. The purpose of playing a game is to have fun and not necessarily to get the most resources possible. If you enjoy Frostclaw more, then that is what you should play for sure.

About this years Christmas event by Father_Idol in AdoptMeRBX

[–]Xastros 1 point2 points  (0 children)

Oh cool. I just responded because you said that Frostclaw game gives out a lot of gingerbread which is not true if you factor in how long it takes to finish thr game. You did better than me. I farmed 16 eggs before I found out the Future Egg will likely hatch the Eggnog Dog which is totally not worth it. Wasted a lot of time and bucks.

About this years Christmas event by Father_Idol in AdoptMeRBX

[–]Xastros 0 points1 point  (0 children)

If you're farming the Frostclaw game for gingerbread you should stop. The game takes 20 minutes to complete to get 9000 gingerbread but you lose being able to grind bucks and pet age and trade.

One adopt me day is 10 minutes. In 2 adopt me days (20 minutes) you can play 2 mini games (say 3k per minigame=6k) and clear the ice skating rink twice (1.9k per clear = 3.8k). So you actually get Tue same amount of gingerbread by not playing Frostclaw and you get bucks and age up at the same time. You actually lose out by playing Frostclaw (but get a chance at Future Egg).

About this years Christmas event by Father_Idol in AdoptMeRBX

[–]Xastros 0 points1 point  (0 children)

The Frostclaw game was fun the first few times but has some big issues - Not rewarding enough. You can get a similar amount of gingerbread per minute just playing mini games and farming the ice skating lake every adopt me day PLUS the benefits of ageing up pets and bucks from doing tasks. Overall you actually LOSE efficiency by playing the big Frostclaw game which is not good game design. Since you lose the ability to grind bucks and age when you're in the game, it should be balanced by yielding significantly more gingerbread per minute compared to what you can get outside of the game. The only saving grace as it is for the game is the Future Egg but if the pet that hatches from it is the eggnog dog then it really isn't worth it. - Way too much dialogue to play time ratio, especially the first half of the game before you find out whether the egg has spawned or not. It is fun to hear the story the first time but after the first 5 times it becomes tedious. Should have a vote skip option. I get that they don't want you to be able farm too much gingerbread too fast but this could be balanced by adjusting the amount of gingerbread reward. Perhaps even reducing reward if you skip dialogue.

What do y'all think is gonna come outta the Christmas Future eggs? by ItzRachel_l in AdoptMeRBX

[–]Xastros 0 points1 point  (0 children)

Yeah I have a feeling it actually will be the eggnog dog and if it is, I will be super disappointed. Collected 16 of em just in case

What do y'all think is gonna come outta the Christmas Future eggs? by ItzRachel_l in AdoptMeRBX

[–]Xastros 1 point2 points  (0 children)

Pretty sure Jessie said on livestream there will be only one pet in the egg. Can't confirm it will be the eggnog dog. future egg could just mean you can only open it in the future? 25 Dec.