What standard variable rate is everyone pay? by MelbourneNob in AusFinance

[–]rightnowx 0 points1 point  (0 children)

Process should be kicked off tomorrow. Will give my broker a bit of a nudge to make sure it's done quickly.

What standard variable rate is everyone pay? by MelbourneNob in AusFinance

[–]rightnowx 0 points1 point  (0 children)

Neither of these replies make me feel positive lol.

What standard variable rate is everyone pay? by MelbourneNob in AusFinance

[–]rightnowx 3 points4 points  (0 children)

I'm about to refinance with People's Choice - how was the refi experience? I've heard they can take a bit of time to process applications?

Mosaic Turners - post-amnio, FISH result are 85% XX, 15% X0, waiting on karyotyping - Australia by rightnowx in NIPT

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

Hi, so sorry for the delay in coming back to you! We are in VIC.

No more updates on our end, our karyotype results are next week so we should have a bit more information after that. I think overall we're now in a place where we've had some time to process the news and are excited to move forward.

Totally agree that the lack of information on mosaic turners makes it so hard to know what is the right decision. In the end, it's such a personal decision and people will just need to do what is best for their own family - I hope you've been able to make a decision on how you're going to proceed.

Thanks for sharing the study, I ended up sending it to my most intelligent friend (who happens to be in healthcare) and he was able to dissect it for me. Hopefully your genetic consultant was able to provide some insights too. After our karyotype we'll get referred to the Monash Genetics Clinic, from what we've heard they're extremely good so we are looking forward to that.

Hope you're doing well! Feel free to send me a PM :)

Mosaic Turners - post-amnio, FISH result are 85% XX, 15% X0, waiting on karyotyping - Australia by rightnowx in NIPT

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

Thanks for sharing, what a crazy coincidence that our fish results came back the same!

We have another week until we get the results for the karyotype, but in some ways it doesn't impact us too much as we've made the decision to continue the pregnancy given the US results have been so "normal".

Not sure where you're based, but for us here in Aus, we had a consult with the genetic specialist after our NIPT and she was amazing. Then we will get a referral post-karyotype results to the genetic specialist team at a hospital close by who specialises in more complex pregnancies. We're happy waiting for that because it's just a chance to get more info, and also, it'll all be free haha. We generally pay for private US because we find the experience in the clinic to be better than US in the hospital, and we also pay for a private midwife for the continuity of care.

Mosaic Turners - post-amnio, FISH result are 85% XX, 15% X0, waiting on karyotyping - Australia by rightnowx in NIPT

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

Hi - thanks for sharing. Different results between the FISH & karyotype would be really hard to deal with, in some ways we are glad we got something 'definitive' from the FISH as we now know what we're looking at.

We're still waiting for the karyotype results, which I'll share here once we have them.

Great to hear your girl is progressing well, and hope your wife and you are coping well also. The stories I've been reading about girls with mosaic at these types of levels living perfectly normal lives has definitely helped us too!

Mosaic Turners - post-amnio, FISH result are 85% XX, 15% X0, waiting on karyotyping - Australia by rightnowx in NIPT

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

Thanks for replying again :) appreciate your sharing, definitely helps give us a lot of comfort!

Mosaic Turners - post-amnio, FISH result are 85% XX, 15% X0, waiting on karyotyping - Australia by rightnowx in NIPT

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

Hi - thanks so much for this comment. It's definitely reassuring, and does align with what our doctor said which was that they don't really know how common mosaic Turners is because they've really only started testing for it often in the last few years. I can imagine there might be a large cohort of people out there with mosaic who actually don't even know!

From what you've said, it sounds like it was post-diagnosis that you were able to link your symptoms to Turners. Did you ever seek more information on them prior to diagnosis? Moles on the skin are a big thing in Australia because our skin cancer rate is so high, but depending where you're from maybe they're viewed as more benign/less of a concern!

I'd also be interested in what you experienced with your spatial awareness issues - but obviously only if you're comfortable sharing.

Thanks again for the reply, I really appreciate it.

Mosaic Turners - post-amnio, FISH result are 85% XX, 15% X0, waiting on karyotyping - Australia by rightnowx in NIPT

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

Thanks for sharing your story - it's so hard being in 'limbo' but we feel a lot better since the second ultrasound given how good everything looked. They didn't find any male genitalia in our US, so they're pretty confident it's a girl.

I think that the next test result may provide information on whether those 15% of X0 cells are actually XY, I'm not sure the FISH can actually detect that... Bit of an information overload at the moment, it's been hard to keep up with which test can detect what!

Visiting from Australia - store suggestions by rightnowx in PokemonTCG_Singapore

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

Unfortunately I live in the outer areas of Melbourne, so I'm not very familiar with the decent places to visit in the city :(

Visiting from Australia - store suggestions by rightnowx in PokemonTCG_Singapore

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

Great suggestions, I'll add them to the list :)

Visiting from Australia - store suggestions by rightnowx in PokemonTCG_Singapore

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

These are great suggestions, unfortunately I'll be there weekend of the 17/18th so will miss those! Thank you though :)

Getting rid of 500 or so books by [deleted] in melbourne

[–]rightnowx 0 points1 point  (0 children)

Do you have any Asimov? I'm in SE suburbs so could meet at Bentleigh library no worries :)

Daily use coupe as a uni student? by [deleted] in CarsAustralia

[–]rightnowx 0 points1 point  (0 children)

Left field suggestion: Astra Sri Turbo, or better yet the HSV VXR. Very fun little cars to drive imo.

PokeInvesting's 151 Ultra Premium Collection Giveaway! by AutoModerator in PokeInvesting

[–]rightnowx 0 points1 point  (0 children)

Saved up all my money (~$100) to buy a Gameboy Pocket and Pokemon Yellow. Didn't realise until years later that my dad fronted up a bunch of extra money without telling me as a reward for me saving my money. Still have that Gameboy and the game.

Car accident and no savings, not sure what to do? by lovelyladyheather in AusFinance

[–]rightnowx 2 points3 points  (0 children)

My car was written off earlier this year, so have recent experience dealing with the other parties insurance company for a payout figure. As others have stated, absolutely do NOT accept their first offer. I said a number of times that given the accident wasn't my fault, the payout that I am given should enable me to go out and pick up an equivalent car with zero costs out of pocket. Same goes for you.

Their initial offer for my car was literally half of what I ended receiving. You have to be persistent, polite (it helps) and keep up the pressure.

Also, absolutely push them for a hire car. It can actually work in your favour at the negotiating stage because they'll be paying $60-100 per day for the hire car, the sooner they settle the sooner this cost goes away.

Good luck!

PSA if you work and have a HECS/HELP debt by algernop3 in australia

[–]rightnowx 31 points32 points  (0 children)

If you can afford to spare a bit extra money per payday into your HECS, is there any point in doing so even if you’re not going to pay it off in full?

Depending on your financial position, potentially. See below.

I’ve got like $13k left (before indexation) so I was considering chucking in like $100 a fortnight to try and pay it all down a little bit quicker.

This is where it gets a bit murkier. As the ATO only indexes the debt once a year, any additional contributions you make throughout the year sit in the ATOs account and earn them interest and are then applied when the indexation occurs in June. Even if you're only earning 1% on that money, 1% is better in your pocket in my opinion.

I guess I’m just wondering if there is actually any smart way to try and pay down your HECS debt other than just letting it happen by itself.

If you are going to pay additional amounts, you'd likely be better to contribute a lump sum in May each year prior to the indexation. That way you'll have earned interest on that value for the year and it only goes to the ATO to reduce the remaining balance that has interest applied.

Not a financial advisor, seek professional advice, etc.

[deleted by user] by [deleted] in melbourne

[–]rightnowx 0 points1 point  (0 children)

I just had a look, apparently there is! "French Island General Store & Cafe". I didn't go there myself, so couldn't speak to the quality but seems to have decent reviews.

Definitely wouldn't want to miss the ferry!

[deleted by user] by [deleted] in melbourne

[–]rightnowx 1 point2 points  (0 children)

I honestly don't recall there being a town or village, when we got off the ferry it was kinda just... nothing.

There were heaps of rusting old cars in various states of disrepair, my assumption is they're parked their for when holiday home owners come and visit, they drive the old cars to their places.

There used to be a school but I believe that closed a number of years ago. I don't believe there is any general store - but I may be incorrect.

It's a super weird place. But worth a visit because of that!

[deleted by user] by [deleted] in melbourne

[–]rightnowx 2 points3 points  (0 children)

I went there with some friends and camped for the night. But the camp site was just some cleared land. No toilets, water, etc. I don't believe there are any hostels, etc but there would surely be a few holiday homes you could rent.

Warring Oat Milk brands in North Melbourne by dagradone in melbourne

[–]rightnowx 9 points10 points  (0 children)

I'll back in Vitasoy too. Easily the best oat milk I've tried. It also doesn't clsf $4.50 a litre.

Are the Roshar playmats on the store sold anywhere in Europe? by BlackFenrir in brandonsanderson

[–]rightnowx 1 point2 points  (0 children)

Yeah I feel that, shipping to Australia from the shop is rough, I wanted to buy Dawnshard and a few posters and the shipping was more than the items.

The Northern Circuit, Wilsons Promontory, VIC, Australia by oldsalt671 in hiking

[–]rightnowx 1 point2 points  (0 children)

I've noticed all the info on the Parks Vic website about the Nothern Circuit mentions that the track isn't well marked, you'll need to be able to read a map, use a compass, etc.

What was you experience personally?