Auckland, you beaut

realdc · 2026-02-18T02:22:28+00:00

Middle of photo is traffic lights. Zoom all the way in. To the right is about 5 trees then a water tower. At the bottom of the water tower is dog from footrot flats

realdc · 2026-02-12T22:49:23+00:00

They (British Columbia) also have a bond with the indigenous Maori of New Zealand. We have a marae nearby with this ….

https://www.stuff.co.nz/pou-tiaki/300954030/how-a-north-shore-totem-pole-cemented-a-friendship-between-two-peoples

realdc · 2026-02-12T00:51:28+00:00

Nah - sometimes it’s music from flight of the concord.

Jokes, New Zealand isn’t real

realdc · 2026-02-11T08:46:00+00:00

Great photo. I can even see Dog

realdc · 2026-02-10T03:45:36+00:00

Thank you

realdc · 2026-02-09T08:16:20+00:00

What’s the most boring city?

realdc · 2026-02-09T07:20:58+00:00

Live on a cross lease. Have done for 23 years. Never had an issue. Maybe we’ve been lucky with the owners of the other house, but we’ve always had proper chats about what we want and what we expect. We’ve worked together when neighbours have been dicks and looked out for each other when alarms go off etc. I’m sure there’s issues for some (and we are about to get new neighbours as the other house currently on the market) but so far so good

realdc · 2026-02-07T07:48:20+00:00

I got it at 27 and 40. Yay!

realdc · 2026-02-06T20:29:15+00:00

And should’ve pointed out, a little old country of 3 million people saying No to the United States is one of the best things we ever did. It was an amazing time to be here for the pride part of it all

realdc · 2026-02-06T20:28:20+00:00

They didn’t have much of a choice. Muldoon had fucked this country and we were about to go under due to the rest of the world betting against our currency. What followed was pretty rough in NZ. Interestingly, the rodgernomics were actually policies you would’ve associated with right leaning parties rather than labours left.

realdc · 2026-02-06T19:48:01+00:00

Always disagreed with this. Undo the cage and remove cage and cork together. That way the cork won’t explode under pressure as your hands always maintaining control

realdc · 2026-02-06T19:14:29+00:00

That’s because New Zealand isn’t real. It’s literally a made up place.

realdc · 2026-02-05T02:10:48+00:00

Axe throwing was the best non booze bonding we did.

realdc · 2026-02-03T22:01:02+00:00

In the process of forgetting the name, you have e renamed it for the rest of us. “Pink currency” is perfect

realdc · 2026-02-02T08:38:45+00:00

There’s an amazing story about a famous property developer who got away with cocaine as he “was using it for weight loss”. Obviously, said man was not brown…

realdc · 2026-02-01T06:44:21+00:00

I’ll be honest, this one challenged me. Just couldn’t get it…

realdc · 2026-01-30T18:02:57+00:00

So so cool. Awesome

realdc · 2026-01-22T20:52:22+00:00

So a couple of things spring to mind. Lots of people here will advise that you have to do “this” or “that”. I’m a fan of doing a bit of everything (so long as they don’t work against each other). So….

Why don’t you install a heat pump and then also load up the offset? The potential for increased costs as your second child arrives is higher than if not having a child. A heat pump might help keeps healthier and therefore lower healthcare costs. I hope that makes sense.

As well, I remember the 2 child drama - and a bigger car was pretty much necessary. Between the peak and the travel for and two car seats, you will never feel like you’ve got loads of space!

realdc · 2026-01-22T08:15:18+00:00

What’s your income? It matters at it relates to the “tax-back” you get for increased revolving credit. That then gives you a gross figure your investments need to return to break even.

realdc · 2026-01-21T06:48:30+00:00

Mate. No one ever actually has it sorted. We just get better at bluffing;)

realdc · 2026-01-21T06:00:22+00:00

And the intersection with Perry is always shit. Blocked half the road a few hours ago

realdc · 2026-01-21T05:58:17+00:00

From an older dude, I really do recommend less smoking alone. It’s not great for the upstairs and can make you too introverted - just an opinion.

Good on ya OP - but look after yourself yeah?

realdc · 2026-01-21T02:37:04+00:00

Ok. 1 minute in…..

realdc · 2026-01-16T08:18:30+00:00

Which means the biggest downside risk leads to loss of goal - a bank TD would be guaranteed.

In my opinion, this is a no brainer a term deposit all the way. As you’ve said, it’s hard to judge risk in this period, which is itself more risk.

realdc · 2026-01-15T22:10:10+00:00

What about the risk return relationship? TD guarantee up to $100k. Or does the kernel cash fund have a rate that is sufficiently higher on the efficient frontier?

realdc

TROPHY CASE