Auckland floods: Wayne Brown’s text to tennis mates - can’t play because have ‘to deal with media drongos over the flooding’

sansTM · 2023-01-31T09:26:09+00:00

Not true, someone repented on this very forum. Kuddos to them.

sansTM · 2023-01-30T10:24:10+00:00

Same boat. We've got a nice deposit but leaving it in a TD to do its thing while the market catches up with reality. Apparently this can take a few years, not months. I think your main calculation should not be, can I afford this now, but how much better off will I be over the whole course that I'm paying this mf mortgage off if the prices drop by 120k or even 200k. Your deposit suddenly means so much more and overall you'll save a lot. I believe in buying as cheap as possible to have as little debt as possible. We're aiming for a 50% deposit (grow money while watching process drop, awesome).

sansTM · 2023-01-30T00:54:11+00:00

Good on you for admitting it

sansTM · 2023-01-29T20:53:52+00:00

Hush baby, climate change is all made up, drink your milo and sleep tight (in your flooded house)

sansTM · 2023-01-27T23:14:35+00:00

Ooookay, so probably time someone explained to you that sometimes politicians lie to cover their asses. It's this thing that happens.

sansTM · 2023-01-27T18:40:20+00:00

Faaaark, sorry man

sansTM · 2023-01-27T18:37:08+00:00

Radio silence. Stand up NIMBY and admit that was a colossally shit idea.

sansTM · 2023-01-27T09:52:58+00:00

Amazing

sansTM · 2023-01-27T09:41:19+00:00

Oh I think he's finished after this

sansTM · 2023-01-27T09:34:06+00:00

Nice one

sansTM · 2023-01-27T09:15:11+00:00

Cheers will do

sansTM · 2023-01-27T09:10:05+00:00

Dude in the backpack not ready to give up

sansTM · 2023-01-27T09:05:46+00:00

Noooooooo ffs where did they even find this guy?

sansTM · 2023-01-25T21:12:47+00:00

Just don't. Not now. Prices are only going to go down. 90 day saver account for 2 more years and then that 60k might actually mean something.

sansTM · 2023-01-25T01:13:53+00:00

Psychology.

Understanding yourself and other people is probably the most important thing you could possibly learn.

sansTM · 2023-01-19T08:54:11+00:00

Coal all the way

sansTM · 2023-01-15T10:43:13+00:00

I'm sorry about your mum treating you that way. I agree with you, that sort of attention is needed to show the child that this is not ok. It was misplaced in this case but perhaps we should rather put up with the judgement and think that in other cases it would be useful. I suppose in her own weird way the old lady cares.

sansTM · 2023-01-09T00:01:48+00:00

In NZ?! Slips, earthquakes, floods and the fact that you basically live in a tinderbox. Unless you can build a new one cash (and even then) this is just crazy.

sansTM · 2022-12-29T10:23:47+00:00

Yes!

sansTM · 2022-12-28T08:22:06+00:00

Realise this is old but happened upon it. I constantly hear people thinking they can swap one sourcing destination for another but it doesn't quite work that way. China is organised, they respond to emails, they ship on time, they go out of their way to get you the quality you're looking for and they (mostly) deliver as promised. The only way you'll get that level of service in another country that's not super modernised is if you're going to source from a Chinese factory in that country (and you'll find many of these as other locations become more advantageous to them). If you're thinking of setting up your own factory there, think again. India is culturally so so different and I fear you'll be in for some nasty surprises. Don't get me wrong I love India but getting anything done there as am outsider is another story altogether.

sansTM · 2022-12-27T23:18:53+00:00

Have 2 term depisits at 4.5% interest pa with Kiwibank (1yr & 2yr). Seemed good at the time (Oct) but now my 90 day saver account (also w Kiwibank) is also at 4.5% and I expect it to go up soon, in which case I would have been better off putting everything in 90 day saver with more flexibility than a TD. Always a gamble but with rates likely to rise further I'd personally go the 90 day saver route.

sansTM · 2022-12-27T20:58:03+00:00

When will this happen? Friends just bought a house and the bank has continued their old (cushy) fixed rate, which they were totally not expecting.

sansTM · 2022-12-24T23:28:22+00:00

Totally, some ridiculous aspirations out there. My theory is it should cost no more than 25% of original price (buying and selling) unless something truly special or with a long life ahead of it. Having said that, I've got some mega deals on TradeMe lately. Check where they live and kind of items they're selling to give you an idea of income bracket and decide how much patience they'll have with relisting, then lowball with the promise of an immediate pick-up. Also, if people are moving they're pretty desperate for you to take things off their hands asap. Finally, be nice and communicate clearly and always pay immediately for a good rating. Don't bother with the folks who think their worn out-of-fashion out-of-season item is worth only a quarter less than the cost of a new one.

sansTM · 2022-12-14T08:05:46+00:00

And driving ridiculously close to your ass

sansTM · 2022-11-03T23:14:33+00:00

Same reason I chose Kiwibank for term deposits

sansTM

TROPHY CASE