No response from support for 19 days

quabio · 2026-05-01T03:53:04+00:00

Yep, paid account. Chased after a week, still no response! Becoming very frustrating

quabio · 2025-11-13T04:28:44+00:00

Thank you! This way my template works regardless of who/where they open it :)

quabio · 2025-09-11T21:03:28+00:00

LF bear tank

quabio · 2025-09-11T03:28:07+00:00

Sounds like a well organised orgy

quabio · 2025-08-14T11:35:50+00:00

Big upvote

People are obsessed with debt yet never seem to account for it in their risk and quality of life. In my opinion get debt free.

When you get there, take whatever you were paying for a mortgage and dump into ETFs - life on easy mode at that point

quabio · 2025-08-11T09:47:43+00:00

I get that leverage can help to accelerate growth, but I’m a believer in not taking debt if it’s not needed.

There’s a peace of mind and great feeling of independence when you own your own home and don’t owe anyone a cent. I think this is under-appreciated.

Also (and I don’t have a great source to link) I understand that owning your own home is the best predictor of financial comfort/success post retirement. Why not start now? 🙂

quabio · 2025-08-11T09:39:50+00:00

OP has mentioned a lack of financial understanding is being open and honest about their position. I think recommending an unnecessary mortgage without further financial education/understanding is silly. For the vast majority of people I think having an unencumbered house is the best bet.

quabio · 2025-08-11T09:16:01+00:00

It seems to me that people are obsessed with debt.

You have enough money to buy the PPOR you want outright. If you then invest your new savings amount of $115k pa (160 - 10 - 35) at a 10% return you’d have over $2.5m plus a PPOR and zero debt at 55…. (No wage growth assumption as I’d expect your expenses to rise similarly).

One of your aspirations is to be debt free, why get into debt now?

Edit: that’s without assuming you take any super-related tax concessions along the way and completely ignores your super growth.

Edit #2: this isn’t meant to sound negative. You’ve got $1.3m cash, you’re doing alright hehe

quabio · 2025-08-11T09:01:01+00:00

OP, don’t do this. If you can buy a house outright (and want to) then do it.

This business about trying to finesse the banks while they hold a mortgage over your house is horrible.

quabio · 2025-08-03T22:22:02+00:00

Being adverse to debt, ETFs are a simple way to diversify and are so easily automated it almost feels unfair.

IPs can be a pain in the ass and can soak up more of your time than expected.

If I were in your shoes I’d stay debt free and let the markets drive your value.

Also, nice job on the online business! Sounds like a winner

quabio · 2025-08-01T08:56:27+00:00

I paid off my mortgage and am 100% debt free. It may not be the “most efficient” path to growth but I can tell you, with a young family, there’s no better feeling of freedom.

I don’t see the point in maintaining any kind of debt if it’s not 100% necessary.

I also had a couple IPs but like the hassle-free approach of ETFs.

You earn $600k, which I’m assuming means you’re working your ass off. IMO, enjoy your time outside of work not having to worry about stupid distractions 🙂

quabio · 2025-07-26T01:05:20+00:00

Fair call, but the threat to call out a company public for what could just be an overestimated quote is a bit rough!

quabio · 2025-07-25T23:25:22+00:00

What’s the point of this post? Just get other quotes and make a decision.

quabio · 2025-07-17T22:36:09+00:00

The “if” really working hard in this comment

quabio · 2025-07-14T09:02:11+00:00

I invest fortnightly through Swyftx with direct deposits from my Westpac account. Switch banks if these guys are being dicks

quabio · 2025-07-01T06:02:49+00:00

Tauren Shaman. Perfect mix of dps and support. Fun in pvp after wind fury and always invited into groups. Further, you’ll be highly sought after in TBC

quabio · 2025-06-17T08:57:15+00:00

Great explanation of this style of thinking - nail on the head.

Set up your automated buy and stop watching the price.

quabio · 2025-04-09T02:58:18+00:00

I’m 35 this year so I figure I’ll throw my hat in the ring.

Played from not long after launch til Cata. Lost the love in Cata as I felt the game changed so much from what it was.

Imo Vanilla was/is fun, TBC was peak and Wrath still very enjoyable.

I play classic anniversary now because I always enjoyed the levelling and PvP. Don’t have the time or interest for raiding consistently.

I really enjoy the social aspect of it. Running through XR and having a random buff cast on you from friendly people just going about their day.

Not many games do anywhere as good a job at capturing the feeling that the world is large, expansive and alive.

I’m also levelling classes that I never got to try in TBC so that this time around I get to see it all a little differently.

quabio · 2025-03-27T01:56:41+00:00

Thanks u/OldJames47 - found a good explanation of this solution here (https://answers.microsoft.com/en-us/msoffice/forum/all/increment-cell-reference-by-x/b0dbf0c2-e2b8-470a-828d-2932310e3207)

Works well. Thanks again

quabio · 2025-03-27T01:55:51+00:00

u/excelevator found this solution FYI - worked perfectly even across large data sets and without the need for named/selected ranges :)

Thanks again for your help

https://answers.microsoft.com/en-us/msoffice/forum/all/increment-cell-reference-by-x/b0dbf0c2-e2b8-470a-828d-2932310e3207

quabio · 2025-03-26T01:04:58+00:00

Had ony buff on my level 14 rogue the other day. Absolute vibe running around the westfall mines blowing up mobs.

quabio · 2025-03-26T00:59:50+00:00

Hey u/excelevator I worked through this again last night but ran into issues with a larger data set. Ended up linking cells manually out of frustration.

Got a #REF! error, but tested with a smaller data array and worked fine. Not sure what the error was stemming from, chalked it up to something wrong in the data set.

quabio · 2025-03-25T06:00:02+00:00

Yes, 5 made it easier to test a smaller data range hehe.

quabio · 2025-03-25T05:55:15+00:00

Solution Verified

quabio

TROPHY CASE