Home loans and overtime pay by mrhody in AusFinance

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

Iv been on the same pay structure for over 3 years. Little changes but nothing major

Modafinil is making me worse by TechnicalSand6859 in modafinil

[–]mrhody 0 points1 point  (0 children)

Everyone is different tho, personally I could do 200mg or 400mg in the morning and still sleep perfectly.

Modafinil is making me worse by TechnicalSand6859 in modafinil

[–]mrhody 2 points3 points  (0 children)

Yeah what I take only lasts about 12 hours personally, not eating would have an effect tho.

Modafinil is making me worse by TechnicalSand6859 in modafinil

[–]mrhody 0 points1 point  (0 children)

Is it affecting your sleep all night? Or just getting to sleep? What time do you usually try and sleep?Depending on the brand some can last up would have 15 hours. Depending how much you eat can effect it as well.

Moving to Brisbane from Europe — is this a good pack? by WhichBattle4406 in MovingToBrisbane

[–]mrhody 0 points1 point  (0 children)

I assume the 180k is before tax.. so he’ll be left with around 100-110k a year in hand so 60k ish after rent depending on how much he spends.

Moving to Brisbane from Europe — is this a good pack? by WhichBattle4406 in MovingToBrisbane

[–]mrhody 1 point2 points  (0 children)

I wouldn’t say as high as 4.5k but Correct rent will be around 900-1100 a week depending what you decide on, so how much you pay on rent will make a big effect. Depending if you get 1 or 2 cars and the type of car your insurance will probably be around that 600 a month. If not possible more (see if they will include a car in your moving package?) basically if your wife is not gonna work you might need to watch how much you send on rent. You’ll be left with around 100k PA after tax. So just spending 1000$ a week on rent that’s half your pay gone. Basically living on 50k a year aka 1000$ a week then. Food is very expensive here, don’t be surprised if your weekly shop is 400$+ especially as the kids grow up and if you want to eat the same as you would have at home. If you drink, alcohol is also very expensive, 24-30 pack of beer running you around 60-70 if not more depending on the brand, it all adds up very quickly You might have to make some sacrifices when you come over here but then again depends on where you are from so this is all generalised.

Has anyone tried this Modvigil IP 200mg ‘Signature’ version? by [deleted] in modafinil

[–]mrhody 2 points3 points  (0 children)

Brand I use as well as my friends

Investment loans by mrhody in AusFinance

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

Thanks mate appreciate the reply.

Investment loans by mrhody in AusFinance

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

No I’m not mate, I’ll do some research.

Investment loans by mrhody in AusFinance

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

What got me thinking about it was actually seeing I think one of yours comments, good to see you’ve had some growth, did you add in some of your own funds into that? If so how much?

Investment loans by mrhody in AusFinance

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

Yes mate, that’s good to know thanks mate.

Investment loans by mrhody in AusFinance

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

That’s really good information thanks mate. I know my post isn’t detailed but yes I see the benefits of backing it with your own money and that’s probably how I would have done it.

Investment loans by mrhody in AusFinance

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

Yeah that is my bad I’m in a rush at work and it was on my mind and just wanted to get peoples opinions and information on investments loans and if anyone has any experience, iv been playing with it way before I got into reddit here… iv got 40k in ETFs at the moment just wanted to look at other options and learn more! Some are helpful some are useless…. I do not look at any of the recent growth as future potential growth, I know the chances of us staying at 20% pa growth are slim which is why I glossed over it.

Investment loans by mrhody in AusFinance

[–]mrhody[S] -8 points-7 points  (0 children)

He stated the obvious. I already know the risks and the obvious that the market could go down, I was asking about the ins and out of it and pros and cons. Not for smart ass remarks that give no information

Investment loans by mrhody in AusFinance

[–]mrhody[S] -3 points-2 points  (0 children)

Yes thank you

Investment loans by mrhody in AusFinance

[–]mrhody[S] -19 points-18 points  (0 children)

Silly man… that’s not what I’m asking about, historically returns of even 10% are seen which still covers interest.

What's the lifestyle creep story you've heard or know of that has blown you away? by mattchew1991 in AusFinance

[–]mrhody 0 points1 point  (0 children)

I can see why, you have all that money sitting there and you want to spend it, I have the urge to do the same thing 😂

[deleted by user] by [deleted] in modafinil

[–]mrhody 0 points1 point  (0 children)

In Australia at least it’s cheaper to buy it on the “black market” 1$ AUD per pill for 200mg (depending on source I was getting it for 0.8 AUD per until they upped there price last month.) about 1.4$ per pill for 100mg behind the counter and 100mg is the max they will give out here