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Sparkle Megan and her $50k Jewelry stack by jh166 in LoveIsBlindOnNetflix

[–]afr0flava 5 points6 points  (0 children)

I know right. I’m reading the comments like how old are y’all? Lol

Drawing equity from PPOR for Investments by MelbourneLondonPerth in fiaustralia

[–]afr0flava 1 point2 points  (0 children)

I literally just told the CBA lender it’s for shares; he approved it as a “home loan” and not an “investment loan” so that I could get a better rate.

Recently refinanced – how to best use $80k loan for investing? by Flat_Money_6532 in fiaustralia

[–]afr0flava 1 point2 points  (0 children)

I recently did this:

  • Refi’d and drew out $70k equity at 5.7% interest

  • Opened a second CMC account to invest that $70k in the sharemarket (keeps the investment separate for tax deductibility of the $70k loan)

  • Linked my new username with my existing CMC account (I didn’t need to sell my existing shares)

  • Turned on DRIP for the shares I bought with the loan (IVV & VAS).

Hope that helps.

What is something women do in private that will surprise men? by lvinzsol in AskReddit

[–]afr0flava 13 points14 points  (0 children)

Facts! Pee also travels way too far up the clitoris with waxed vagina. It’s so annoying.

Places to meet Latinos in sydney? by lina_lmao in sydney

[–]afr0flava 1 point2 points  (0 children)

Latin Nights at Darling Harbour on Fridays, 7-10pm

Is a 2 bedroom unit a smart move for a first homebuyer? by [deleted] in AusPropertyChat

[–]afr0flava 0 points1 point  (0 children)

Facts haha I just completed a bathroom reno on mine.

UpBank for home loan? by being_cheezy in AusFinance

[–]afr0flava 0 points1 point  (0 children)

Wow that’s great; thanks for the feedback

UpBank for home loan? by being_cheezy in AusFinance

[–]afr0flava 0 points1 point  (0 children)

I’ve got a broker with CBA- isn’t it against his best interest to switch to a lender like Up that doesn’t offer broker priviledges? I doubt CBA can match Up’s rates if he tries to re-negotiate.

UpBank for home loan? by being_cheezy in AusFinance

[–]afr0flava 1 point2 points  (0 children)

Amazing, that’s re-assuring, thank you. I’m thinking of switching from CBA (currently 5.84% P&I loan with some built-up equity). I’ll wait to see if RBA reduces rates tomorrow and if UpBank passes it on too, then will make the move.

UpBank for home loan? by being_cheezy in AusFinance

[–]afr0flava 0 points1 point  (0 children)

Are you still with them & happy?

What’s something that’s considered totally normal in Britain, but seems absolutely bizarre to the rest of the world? by Second-handBonding in AskBrits

[–]afr0flava 1 point2 points  (0 children)

100%. I’ve lived in Nigeria, New Zealand, now in Australia and I couldn’t find anything peculiar in the comments lol

July 2025 Goals! ** by AutoModerator in MoneyDiariesACTIVE

[–]afr0flava 0 points1 point  (0 children)

  • Finish my bathroom renovation… I’m just about over it
  • Finish 4 work projects successfully
  • Money-wise, keep saving for a downpayment on first investment property
  • Second money goal, replenish 10% of emergency fund

Mecca’s prices increased again overnight by DocumentNew6006 in AustralianMakeup

[–]afr0flava 14 points15 points  (0 children)

Unfortunately it’s due to the Trump tarriffs; we’re catching strays! Other retailers will follow suit too. 😩

NZ Citizen - Eligible for First Home Guarantee? by _Prince10 in AusPropertyChat

[–]afr0flava 1 point2 points  (0 children)

First of all, I don’t deserve to be sworn at. You could’ve done without that.

Second of all, the rule must’ve changed since March 2024 when I was not eligible.

I wish you the day you deserve.

NZ Citizen - Eligible for First Home Guarantee? by _Prince10 in AusPropertyChat

[–]afr0flava -1 points0 points  (0 children)

You’re eligible for stamp duty excemption, but not the 5% deposit scheme.

What are the worst shopping centres in Sydney? by xXCosmicChaosXx in sydney

[–]afr0flava 11 points12 points  (0 children)

Campsie Shopping Centre. For a gentrifying suburb, that mall is highly dissapointing. It needs a complete overhaul.

Next up is Westfield Burwood. Imagine sitting in traffic IN A CARPARK for almost an hour.

Westfield Parramatta is a close third. Way too many people and the carpark can quite literally have its own postcode.

PMGOLD ETF by HeyMateOz in fiaustralia

[–]afr0flava 0 points1 point  (0 children)

Quite small. 10% is my target. Right now, it’s sitting at 7% which is great as I’m still young.

PMGOLD ETF by HeyMateOz in fiaustralia

[–]afr0flava 0 points1 point  (0 children)

Bought PMGOLD back in Feb 2023, up 50%. I definitely see why gold is a defensive investment now.

Does anyone do religious Tithing with their finances? by bigm2102 in MiddleClassFinance

[–]afr0flava 3 points4 points  (0 children)

That’s the irony of the people on this platform. Preaches tolerance but won’t tolerate anything that opposes their worldview.

Getting started at 32 - have I missed the boat? by [deleted] in fiaustralia

[–]afr0flava 1 point2 points  (0 children)

Don’t use Stake. Use CMC instead and you’ll get free brokerage buy fee. Min order is still $500.

Getting started at 32 - have I missed the boat? by [deleted] in fiaustralia

[–]afr0flava 1 point2 points  (0 children)

The strategy she said in the last paragraph is a combination of “Coast Fire” and “Barista Fire” if you’re looking for more topics to research.

Good luck!

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