Jump to content
SAU Community

Recommended Posts

7 hours ago, TiTAN said:

 


So a massive gate and massive sliding/folding glass doors across the whole back of the place?

It seems like a fine stage from which to show off your efforts in the gym, at least thats the first reason you would want it that comes to mind.

 

you_got_me_breaking_bad.gif

24 minutes ago, emts said:

small side garden I see to work on.

 

the empty lot next door is that part of the park or will some-one build on it? 

Park - only have one neighbour.

first home buyers duty reduction. you get 50% off if it your primary place of residence.

 

if you put the full 80% down them you don;t need to pay loan mortgage insurance.

 

simples

 

 

You mean 20%

 

If you put down 80% up front on your first house you have done well.

 

Going 20% deposit also gets you lower interest rates on top of not having to pay mortgage insurance.

3 minutes ago, TiTAN said:

 

You mean 20%

 

If you put down 80% up front on your first house you have done well.

 

Going 20% deposit also gets you lower interest rates on top of not having to pay mortgage insurance.

With this I got the NAB first home buyer rate which is apparently the best in the market right now - fixed for two years. Also get about $1800 worth of shopping vouchers.

Oh shiiiit

Don't tell him/her that you earned the money with CSGO skins

 

I prefer independent jewellers (bcoz hipster) because the people and artists actually know what they're doing, and they have no reason to lie to you, the items do all the talking so to speak. It's not just a spec sheet.

 

I've used e.g. etal in the CBD a couple of times. More designer stuff, but guaranteed unique and brownie points for the wimminz (compliments and envy galore amongst peers). Also got quality custom necklace from Ralf Finch in The Basin (chose a design, picked necklace and got to choose the pearls to use).

 

Edit: diamond earrings is a tough choice. Easily lost, small, mostly are studs so super subtle.

 

 

 

3 minutes ago, Leroy Peterson said:

Oh shiiiit
Don't tell him/her that you earned the money with CSGO skins

I prefer independent jewellers (bcoz hipster) because the people and artists actually know what they're doing, and they have no reason to lie to you, the items do all the talking so to speak. It's not just a spec sheet.

I've used e.g. etal in the CBD a couple of times. More designer stuff, but guaranteed unique and brownie points for the wimminz (compliments and envy galore amongst peers). Also got quality custom earrings from Ralf Finch in The Basin (chose a design, picked necklace and got to choose the pearls to use).

"Pearl necklace" sure sure 

Ok cool so there's no decent online shop gotta get off my ass and go somewhere? 

Mortgage insurance is proportional to your LVR and there's a law of diminishing returns to it, which starts to get awfully shitty when borrowing at high LVRs.

Here's a good example - you have 70k saved up as a first home buyer, it could be allocated as such:

A. 600k property, 5% deposit of 30k, LMI of 26k, stamp duty 15k = initial upfront of ~70k and your LVR is 95% on 570k borrowed

B. 500k property, 10% deposit of 50k, LMI of 9k, stamp duty 11k = initial upfront of ~71k and your LVR is 90% on 450k borrowed

So whilst 100k difference between the purchase price of the two places, the more expensive one actually requires you to borrow 120k more due to money spent on LMI (and some for the extra stamp duty).

One loophole you could use to avoid this - get a relative to borrow and "gift" you enough to make up a 20% deposit and cover the stamp duty - you finance the other 80% = no mortgage insurance and you just service both loans. Or they can go guarantor on the loan and you technically don't need any deposit or LMI.

With this I got the NAB first home buyer rate which is apparently the best in the market right now - fixed for two years. Also get about $1800 worth of shopping vouchers.

 

I'm on 3.81% at the moment, zero annual fees.

 

Looks like the comparison rate for that 3.69% deal is 4.38%

 

Pretty sure ubank and loans.com.au are still the actual comparable cheapest as they have no annual fees on their variable rate loans, with a once off few hundred $$ fee if you want to go fixed rate. But you have to have minimum 20% deposit to get those deals.

1 hour ago, UNR33L said:

Where's a good place to buy some diamond earrings? 

Don't mind spending a bit but not stupid amounts, birthday present.

 

Inb4 subtle, VWL6fig, 800k etc.

http://www.bbc.com/news/world-europe-39943470

48 minutes ago, TiTAN said:

Il stick with my pay less interest and fees In the long run than get some vouchers up front plan.

We comparing our loans or what was available to me at the time?

8 minutes ago, TiTAN said:

 


It was available to you too? You said you went in on 20% or more deposit?

 

Talking about the rate; I have no idea when you obtained a loan.

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now



  • Similar Content

  • Latest Posts

    • I wasn’t able to replicate the sound anymore. It was a one time sound so maybe it was just coincidence but it was like small pebbles being dropped in a coke can.   should I try cleaning the MAF? It could be it’s functioning but dirty? I don’t know.
    • Update 4: Hi all. The car drives again! Haven't driven for long, only to store it in the garage again, but the test drive was successful. The coolant and oil leaks seem to be fixed for now. Temps on the engine were also very good, while moving I never even saw 80C water during the approx. 30 minute drive. Ate up all the coolant in the reservoir though so will have to fill that even more when I go to the car next time. One thing that pisses me off is that the RPM gauge is still f**ked, I even resoldered the board twice and used copper paste on the silly screws that are used as connections. Next time I take it out I'll take apart the board and fit new components, I'll see if I can get a replacement IC for it.  I have an appointment set for 22nd of September for the engine tune to 370hp. Alignment also still needs to be done. My hope is that I can get all the legal stuff over with by the end of this season. Anyone of you have advice regarding intercoolers? Currently there is an APEXI core fitted, one of those weird hybrid ones, 600x270x76. I don't think it's bad but it's not new and now I still have the chance to change it now to legally include it in the paperwork. Only issue is that the only options that would arrive in time are a HKS Type R intercooler or generic Ebay spec intercoolers comparable to a JustJap one. Ideally I'd order a Plazmaman but it takes over a month to receive which would mean making the car legal has to wait until next season. Would love to hear some input on this. Same story for my injectors, the previous owner was a nunce and put ID 1050x on the engine. They work but are obviously not ideal at "normal" power levels. But I don't see a reason to change them unless the tuner says it's necessary. I read online before buying a different exhaust that the top secret style rear diffusers won't fit due to the size of the rear resonators. My buddy and I made it work by slightly "adjusting the shape" of the mounting bracket and making some spacers out of 3d print for the mounting bolts. Fits like a charm. Just putting this here in case someone has this problem. Even the hefty HKS Silent Hi Power rear can fits without hitting anything.
    • Well they got my money but they are not getting my gearbox ! 
    • It's needed for rolling idle up, and I think it is a decider on VCT also.
    • I mean, not really. Link ECU's can absolutely still have errors from the ECU thinking it's getting a sensor it's not expecting. I would imagine the speed at the ECU level in Nistune does absolutely nothing anyway? I assume the ECU does not do any fancy TC stuff with regards to front+rear wheel speed or anything of that like anyway. Someone who uses Nistune may be more fluent in it. 
×
×
  • Create New...