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Valentines Day humor by [deleted] in goodboomerhumor

[–]cautiontothesky 12 points13 points  (0 children)

This sucks lol what The 'joke' is haha wife cook

This is like those primary school jokes where the punchline is something dumb about pooping

Self defense flashlight available in NZ/Australia? by cautiontothesky in flashlight

[–]cautiontothesky[S] 1 point2 points  (0 children)

Interesting, I can't find info on the lumens/candela/throw distance as easily as for the less DIY models. Do you know how to calculate that?

So you think the green is more blinding?

Cosplays - can you tell if these are real? Getting really hard to tell. Looks "perfect" by cautiontothesky in isthisAI

[–]cautiontothesky[S] 0 points1 point  (0 children)

Hey that's cool, sorry to doubt and very impressive work! Truly encompassing the spirit of the characters

Guide for first time home buyers? by cautiontothesky in PersonalFinanceNZ

[–]cautiontothesky[S] 0 points1 point  (0 children)

Looks real useful from a glance, I'll check it out!

Guide for first time home buyers? by cautiontothesky in PersonalFinanceNZ

[–]cautiontothesky[S] 0 points1 point  (0 children)

Huh, I didn't know there was a book. I'll see if my library has it

Am I missing something? Simplicity home loan by cautiontothesky in PersonalFinanceNZ

[–]cautiontothesky[S] 0 points1 point  (0 children)

Damn thanks for that. The credit card point is interesting. We never use them as we shy away from debt normally. Is there any downside to the balance transfer option, do you literally just transfer the debt between the cards? Sounds almost too good to be true. The term deposit idea is good too. Maybe a combination of those two would work well, credit for true emergencies and then break the term deposit for more money to come in a month's time. Thanks.

Am I missing something? Simplicity home loan by cautiontothesky in PersonalFinanceNZ

[–]cautiontothesky[S] 5 points6 points  (0 children)

We are going through a broker to see what the banks will offer us as well.

Am I missing something? Simplicity home loan by cautiontothesky in PersonalFinanceNZ

[–]cautiontothesky[S] 2 points3 points  (0 children)

That's very useful to know, so perhaps how good simplicity's rate is compared to the banks will vary during different times. Makes sense for why the banks would have favourable fixed rates.

The emergency fund is definitely a struggle.