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AyeCee

By AyeCee,
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hedaik

hedaik

Posted
Posted

They are an internet only brand with no bells and whistles. Im with FastLend (who have an Australian call centre as well) who offer similar rates. Both are child companies of the big 4 banks. 

 

Theres not much to a mortgage other than paying it off, so theres no catches. 

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bazzatron
bazzatron

Mind Blown: 

Braveheart
Braveheart
hedaik
hedaik

Especially when you can't see out the back window from all your exhaust fumes

malloy

malloy

Posted
Posted

They are an internet only brand with no bells and whistles. Im with FastLend (who have an Australian call centre as well) who offer similar rates. Both are child companies of the big 4 banks.

Theres not much to a mortgage other than paying it off, so theres no catches.

The no offset account can cause minor issues down the track when renting out if the loan is drawn down for expenditure not related to the property. (Assuming it will be rented in future)

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hedaik

hedaik

Posted
Posted (edited)

 

They are an internet only brand with no bells and whistles. Im with FastLend (who have an Australian call centre as well) who offer similar rates. Both are child companies of the big 4 banks.

Theres not much to a mortgage other than paying it off, so theres no catches.

The no offset account can cause minor issues down the track when renting out if the loan is drawn down for expenditure not related to the property. (Assuming it will be rented in future)

 

 

Fair enough, never thought of that. But with how easy it is to transfer your home loan these days to a new lender if you do rent it out in the future and need offset plus the fact that you do get redraw (which is effectively the same as offset just a touch more restrictive) I wouldn't consider it enough of a reason to not go to uBank or similar for somebody in Jimmys situation. 

Edited by hedaik
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Deviant

Deviant

Posted
Posted

 

FYI - ANZ are offering a really good interest rate. Currently lower than any other bank.

Lower than UBank?

UBank home loan rate is ridiculously low. That being said it is a very simple home loan with no options for offset accounts and you must have an 80% or lower LVR

 

i suppose the 'any other bank' part wasn't thought out and this uBank thing sounds interesting... Check your contract as to how the interest rates are calculated and if you can 'fix' your interest rate. Having it variable without the ability to fix it might be a catch for the 30 year loan when interest rates rise again. 

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Grimey

Grimey

Posted
Posted

I'm considering renting a projector or massive tv for the world cup.
2 questions:
Are projectors any good to watch full hd sport on? (not a large room, no glare)
Has anybody used one of these rental places before? What are the prices like? It seems the only rates they advertise is if you want to rent the thing for a whole year. I can imagine there's all kinds of hidden costs.

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cadete

cadete

Posted
Posted

I'm considering renting a projector or massive tv for the world cup.

2 questions:

Are projectors any good to watch full hd sport on? (not a large room, no glare)

Has anybody used one of these rental places before? What are the prices like? It seems the only rates they advertise is if you want to rent the thing for a whole year. I can imagine there's all kinds of hidden costs.

I would rent the TV as even though the Projecter could be better... the TV is a lot less work and you know wont fuck up.

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bazzatron

bazzatron

Posted
Posted

I'm considering renting a projector or massive tv for the world cup.

2 questions:

Are projectors any good to watch full hd sport on? (not a large room, no glare)

Has anybody used one of these rental places before? What are the prices like? It seems the only rates they advertise is if you want to rent the thing for a whole year. I can imagine there's all kinds of hidden costs.

 

I'd rent a TV.

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Tesla

Tesla

Posted
Posted

Who rents a TV?

 

He wants a massive TV just for the 2 weeks or so that the world cup is on. Not a bad idea if youre going to be home the whole time to watch it. My boss takes leave and watches every game.

Fair enough, probably best to buy a second hand TV and then sell the TV afterwards, that way it won't actually cost much/anything. May even make a profit if you manage to find a bargain.

Though renting is obviously easier, I just assume it's expensive.

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malloy

malloy

Posted
Posted

FYI - ANZ are offering a really good interest rate. Currently lower than any other bank.

Lower than UBank?

UBank home loan rate is ridiculously low. That being said it is a very simple home loan with no options for offset accounts and you must have an 80% or lower LVR

i suppose the 'any other bank' part wasn't thought out and this uBank thing sounds interesting... Check your contract as to how the interest rates are calculated and if you can 'fix' your interest rate. Having it variable without the ability to fix it might be a catch for the 30 year loan when interest rates rise again.

Fixing your interest rate rarely works in your favour.

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malloy

malloy

Posted
Posted

Lol paying interest is never in your favour. But minimising it is favourable. What's the best way of minimising interest... Apart from paying off the loan?

If the bank lost out on fixed interest they wouldn't offer it. The fixed interest rate is calculated on what interest rates are expected to do and then an appropriate term is offered with. The banks are good at taking your money.

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Tesla

Tesla

Posted
Posted (edited)

Lol paying interest is never in your favour. But minimising it is favourable. What's the best way of minimising interest... Apart from paying off the loan?

If the bank lost out on fixed interest they wouldn't offer it. The fixed interest rate is calculated on what interest rates are expected to do and then an appropriate term is offered with. The banks are good at taking your money.This, charging you a variable interest rate better reflects the bank's costs of providing you the loan. A fixed interest rate adds risk for them, so they'll not only charge a rate that, on average, will be equivalent to a variable interest rate over the long term, they also have to add a risk premium.

Sure, even banks can't tell the future, so there is a chance you could end up paying less interest on a fixed loan, it's just more unlikely than likely.

And even if it did work out to be less on a fixed interest rate, in general, interest rates are going to be higher when the economy is in good shape, and you're job is secure, maybe you just got a promotion as your employer is expanding, etc. They'll be lower when the economy is fucked and you're about to lose your job because of cut backs etc. So really, and I guess it's somewhat counterintuitive, it's less of a risk for you as well to be on a variable interest rate. Even if you ended up paying less overall on a fixed interest rate, you'll be paying that same interest rate no matter the state of the economy, whereas with a variable loan, you're paying more in good times, when you're more likely to be able to afford it, and paying less in less prosperous times when you're more likely to be facing financial difficulties.

The only benefit of a fixed interest rate is knowing how much you're going to be paying well ahead of time, I'm sure in some circumstances that's of value to the borrower, and hence why fixed interest rate loans exist. But in most circumstances, variable interest rate is the way to go.

Edited by Tesla
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cadete

cadete

Posted
Posted

 

No idea, but they only filmed it, producing involves way more than that.

 

Anyone else here slightly worried Tesla wants to produce Homemade Porn? :hmm:

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Tesla

Tesla

Posted
Posted

 

No idea, but they only filmed it, producing involves way more than that.

Anyone else here slightly worried Tesla wants to produce Homemade Porn? :hmm:

Probably would have created a few porn websites (with no videos featuring me unfortunately though) years back if I wasn't under the impression it was illegal here.

I think the law is its illegal to profit from porn, which I assume covers anything to do with porn.

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hedaik

hedaik

Posted
Posted

 

 

 

I thought it was illegal in Victoria to produce porn for profit.http://mobile.news.com.au/entertainment/celebrity-life/porn-star-angela-white-in-secretly-filmed-sex-romp-in-la-trobe-university-library/story-fnk822dn-1226901616648

Please aware me on local porn laws.

 

No idea, but they only filmed it, producing involves way more than that. Anyone else here slightly worried Tesla wants to produce Homemade Porn? :hmm:

Probably would have created a few porn websites (with no videos featuring me unfortunately though) years back if I wasn't under the impression it was illegal here.

I think the law is its illegal to profit from porn, which I assume covers anything to do with porn.

 

 

Abby Winters gallery was all photographed in Victoria, but they were forced to move their operations overseas

 

http://en.wikipedia.org/wiki/Abbywinters.com#Police_raid_on_G_Media

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Tesla

Tesla

Posted
Posted

 

No idea, but they only filmed it, producing involves way more than that. Anyone else here slightly worried Tesla wants to produce Homemade Porn? :hmm:

Probably would have created a few porn websites (with no videos featuring me unfortunately though) years back if I wasn't under the impression it was illegal here.

I think the law is its illegal to profit from porn, which I assume covers anything to do with porn.

 

Abby Winters gallery was all photographed in Victoria, but they were forced to move their operations overseas

 

http://en.wikipedia.org/wiki/Abbywinters.com#Police_raid_on_G_Media

There we go, charges were making objectionable films for gain, and possessing a commercial quantity of objectionable films.

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Begbie

Begbie

Posted
Posted

lol STRAYA CUNCS!!!

 

girls out west ftw!!

 

EDIT: add her on twitter  :wormy:

This lass I went to school with had pics on there. Some nerd who she'd bullied for years found it and just posted them everywhere.. wish I could remember her porn name

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Pigs 2

Pigs 2

Posted
Posted

Can anyone suggest jobs that need doing predominately week day evenings. Don't like having no days off a week.

If your just after some easy cash get a job doing nightfill at a supermarket. Should be mostly week nights and easy as fuck

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Tesla

Tesla

Posted
Posted (edited)

Is it possible to register a .com.au domain without an ABN?

No.

Well technically yes, but really no.

Unless you have a TM (which is 57328472942 the time/effort/cost of getting an ABN)

Edited by Tesla
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marteaux

marteaux

Posted
Posted

Can anyone suggest jobs that need doing predominately week day evenings. Don't like having no days off a week.

If your just after some easy cash get a job doing nightfill at a supermarket. Should be mostly week nights and easy as fuck

Would fuck with my sleeping a bit too much I'd think. I babysit every couple of weeks but that's not regular enough. I wanna make what I'm making on the weekends but on week nights

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cadete

cadete

Posted
Posted

 

 

Can anyone suggest jobs that need doing predominately week day evenings. Don't like having no days off a week.

If your just after some easy cash get a job doing nightfill at a supermarket. Should be mostly week nights and easy as fuck

Would fuck with my sleeping a bit too much I'd think. I babysit every couple of weeks but that's not regular enough. I wanna make what I'm making on the weekends but on week nights

 

Its not that bad...

 

Paddy does it at Chemist Warehouse and he ususally finishes at 8, 9,10 and at the worst at 11.

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cadete

cadete

Posted
Posted (edited)

 

Look for jobs at Hospitals where you keep operating theatres stocked and clean up after operations. Pays shitloads, no qualifications required.

Will keep an eye open. Cheers Baz

Cad I always think of nightfill as 12-6am for some reason.

 

Thats night shift... it used to turn my mate who was a Nurse into a Zombie.

 

And my cousin got a job like what Baz mentioned and he pretty quickly moved to working alongside the Surgeons in the operating theatre making even more money. His now about to finish his Commerce Degree and get given a well paid job in Medical Management because of his work expeirence.

Edited by cadete
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bazzatron

bazzatron

Posted
Posted

My mates mum is a nurse at Monash medical centre and she got him a job doing that stuff while he was at uni, then he kinda handed over the job to his younger brother while he was uni and he is like 28 and still does it on the weekends, gets paid like +$50 an hour.

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Tesla

Tesla

Posted
Posted (edited)

I reckon if you finish by 2am you're sweet, because you can be in bed before 3, and up at a decent hour (9am if you sleep 6 hours).

Any later than that and it's fucked, I know a guy that works until like 6am or something like that and so he is sleeping until the afternoon, that shit would be depressing AF missing out on most of the day.

Edited by Tesla
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