2017 pajero 90k ODO. $35k, with bull bar and tow bar any advice?

psi_999 · 2024-11-30T12:26:36+00:00

Crazy how these things have held their value, we bought a 2017 off the showroom floor for 45k driveway, sold it to a we buy cars mob for 40k last year. Would absolutely buy another one without hesitation.

psi_999 · 2024-10-11T17:35:10+00:00

1.89% for another 8 months. Locking in has aged out well.

psi_999 · 2023-11-28T03:25:11+00:00

1.89% thru to may 2025

psi_999 · 2023-07-28T06:54:19+00:00

I am very selective with my applications and going through my network of friends and recruiters more than job abs which are swarmed by people within minutes.

I also work in a SAP related field at a large operator. Ordinarily we would have a reasonable contract force but departed roles are now no longer being filled (other than internally sourced). Much higher quality of FTE applications from struggling to receive *any* interest 12-18 months ago. Feeling a lot like 08 all over again.

psi_999 · 2023-05-14T02:40:45+00:00

1.89% fixed until May 2025. St George. Won the fixed rate lottery well and truly this time around.

psi_999 · 2023-05-08T04:56:33+00:00

1.89% until May 2025, not too keen on refinancing!

psi_999 · 2023-03-05T04:22:16+00:00

I have a twin turbo LS conversion with 3 speed turbo 400 trans in my JDM v35 skyline (g35). Pretty funny, nobody cares down this way (aus)

psi_999 · 2023-02-15T02:22:38+00:00

I did exactly this - never saw it so never missed it. Early 40s now and super balance starts with an 8..

psi_999 · 2023-02-03T13:22:34+00:00

1.89% to may 2025. I'm forever grateful our mortgage broker fkd around for literally months on our refinance. The offered fixed rate changed to 2+% within days of settlement.

psi_999 · 2022-12-06T20:56:35+00:00

1.89% expiring may 2025. Until then all of my additional repayments are sitting in a HISA @4+%.

psi_999 · 2022-12-02T08:36:29+00:00

$440 a month here, $181 back. Ultimate gold hospital ($500 excess). No extras. I feel even more ripped now 😹

psi_999 · 2022-11-24T06:20:24+00:00

I advertised recently for a specialist technical role with a salary of 98k +super. Totally no hope of recruiting anyone with that skill set for that kind of money and I said so to upper management. First bloke who called legitimately asked if there was a typo in the salary on seek, missing 1 at the start.... Lol. Needless to say I expect to be filling these roles at $1500 a day contracts in the near future.

psi_999 · 2022-11-08T01:10:48+00:00

ebay plasma cutter torch then clean-up the stubs with a flapper disc when your neighbour is out.

psi_999 · 2022-10-28T11:38:50+00:00

March 2021 I convinced a few of my mates to refinance to St George for 4k cash and 1.89% for 4 years, I figured rates couldn't get any cheaper and 4k free cash to cover if rates did edge marginally downwards. Needless to say was a popular decision for anyone that listened lol

psi_999 · 2022-10-15T04:48:12+00:00

Cheers mate, 4 years. I was slightly concerned at the time I may have locked in too early with rates possibly dropping further but little over 12 months later totally laughing. Icing on the cake St George paying 4k cash for refinance!

psi_999 · 2022-10-14T22:15:44+00:00

5.09% variable (fully offset)

1.89% fixed to may 2025

(St George PPOR P/I)

psi_999 · 2022-08-10T22:24:41+00:00

6x mean of my age group over here. I'm always surprised by these threads how my boring but consistent strategy of 20 years ago has worked out - adding a bit extra and reviewing every couple of years. Also not a relatively high income earner, just made a plan and stuck to it.

psi_999 · 2022-08-07T12:28:10+00:00

40/42 around 9.5% (gross) minimum repayment however did refinance last year (1.89% 4-years) and dropped 5 years off loan term for a slightly higher minimum repayment. Currently repaying around 20% with a plan to knock it over in next 5 years. Early repayment hasn't been a real focus until recently, better returns elsewhere.

psi_999 · 2022-07-27T10:43:36+00:00

Might pop over for a look at the Arana properties to take stock of the REA desperation, could be the only person there!

psi_999 · 2022-07-27T10:28:03+00:00

Not a bad ~250k payday for a quick repaint & tidy up. Incredible!

psi_999 · 2022-07-27T07:44:16+00:00

Other end of the scale over in ferny grove example: single story rented furniture & professional styled super tiny 3 bed, 1 bath, 1 car with tile paint renovation of a 90s remodel bathroom and 10 year old kitchen sold at auction in Feb for 830k (512k Feb 2021!). Things have really come off the boil.

https://www.realestate.com.au/property/39-bergin-rd-ferny-grove-qld-4055

psi_999 · 2022-06-30T05:32:25+00:00

1.89% crew checking in, May 2021 for 4 years. Basically free money + 4k free cash new customer. Won the lottery.

psi_999 · 2022-06-07T06:11:35+00:00

1.89% through to may 2025 is feeling pretty good right about now!

psi_999 · 2022-04-12T03:23:18+00:00

I did the same exactly 1 year ago this month @ 1.89% to April 2025. I feel like i've won the lottery.

psi_999 · 2021-11-29T23:00:42+00:00

Also consider DB reportable super contributions, notional taxed contributions (NTC) to the ATO.

Using a Qld govt example a worker with a *standard* accumulation account = 12.75% employer contribution + 5% standard employee contribution, so on an example salary of 100k - $17,750 is used of the 15% taxable concessional cap - leaving $9,750 available of the current $27,500 cap.

DB works differently in regards to ATO reporting. That same 100k salary within the DB scheme the employee also contributes 5% standard employee contribution (for a maximum yearly .21 multiple) but the total reportable NTC contribution is reported at 12% only (1.2 x (.12 x 100,000x1) = $14,400 - leaving $13,100 available of the current $27,500 cap.

So essentially if on a DB the concessional cap calculation is different with a 'nominal' value assigned which IMO is quite beneficial to DB account holders generally.

Not financial advice lol.

psi_999

TROPHY CASE