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Vic Wasteland Thread - 15.0

R31Nismoid

By R31Nismoid,
in Victoria

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Rekin Grand Master

Rekin

Posted
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Whats finance rates like on a new car anyway? I paid cash cos VWL 2k17 800k baller club obviously 
The mrs is looking for a new car and considering financing majority of it. Makes sense if the rates are shit all, gets you in the car sooner. 
After 1 month of having a tenant move into my unit the hot water system starts leaking and needs replacement, garage gutter leaking into garage needs replacing fml LOL Costing me more than it's worth. 

Negative gearing. Claim it against your vwlbc income.
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This is where the cost of a Tax accountant that knows what they are doing outweighs the costs   FYI $300/h

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this has been covered many times before on this forum, please use the search function.

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tokyo is so f**king cool.

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TiTAN Grand Master

TiTAN

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Whats finance rates like on a new car anyway? I paid cash cos VWL 2k17 800k baller club obviously 
The mrs is looking for a new car and considering financing majority of it. Makes sense if the rates are shit all, gets you in the car sooner. 
After 1 month of having a tenant move into my unit the hot water system starts leaking and needs replacement, garage gutter leaking into garage needs replacing fml LOL Costing me more than it's worth. 


Great deals will see 2% on a factory deals. most will do 5.5ish if you haggle over the rate. So the ultimate cost vs pulling money out of mortgage is ~1-2%
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Birds Grand Master

Birds

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I used to think many cars on the road were owned, but when you consider how many are company or fleet and then the privately owned cars of which a big deal would be financed, there's probably very little actual cash in them.

Just trips me out when I talk to people about expenses and they mention their car payments. I've never had one under finance, probably never will because I thought it was uncommon practice, even though it isn't lol

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Leroy Peterson Grand Master

Leroy Peterson

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I've been looking at loan %'s and repayments etc because the Mrs needs $20k in dental done and doesn't have the cash. All in all, the lender doesn't make a huge amount of money out of it... Like if I was giving someone $20k I'd want more back than that lol.

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blah_blah Grand Master

blah_blah

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Generally if a car company is offering finance that is extraordinary low (i.e.) RBA cash rate low then they are making up the margin via other areas. I.e. Less of a discount on the purchase price of the car. 

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HEKT1K Grand Master

HEKT1K

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4 hours ago, Leroy Peterson said:

I've been looking at loan %'s and repayments etc because the Mrs needs $20k in dental done and doesn't have the cash. All in all, the lender doesn't make a huge amount of money out of it... Like if I was giving someone $20k I'd want more back than that lol.

Lisa needs braces

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Leroy Peterson Grand Master

Leroy Peterson

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Sometimes you gotta check the fine print... Like some dental is covered, some (and usually a lot) isn't.

She had a bridge done by someone and its lasted a bit over 2 years. New dentist/specialist saying to go back to the other guy and demand some of the money back... Does that actually work??

Now needs bridge redone plus more work, and basic extras health insurance doesn't cover major dental.

 

 

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Leroy Peterson Grand Master

Leroy Peterson

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#rowvilletheplacetobe

Man, crypto trading is to Jackass what the ASX is to Bob Ross. It really is a new gold rush.
The fact that Coinbase newcomers can jack up the price on Litecoin and Ethereum just because bitcoin is taking Coinbase too long to process... It's insane.

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Birds Grand Master

Birds

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6 hours ago, Leroy Peterson said:

#rowvilletheplacetobe

Man, crypto trading is to Jackass what the ASX is to Bob Ross. It really is a new gold rush.
The fact that Coinbase newcomers can jack up the price on Litecoin and Ethereum just because bitcoin is taking Coinbase too long to process... It's insane.

Be wary...strong honeymoon quick divorce

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