Just call or go in-store and ask about the doubling of data.
Were you with Telstra before? It might be an existing customer reward style setup.
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AusGAF 11 - Twice the price, a year late but still moving forward
- Thread starter Kritz
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Just call or go in-store and ask about the doubling of data.
Were you with Telstra before? It might be an existing customer reward style setup.
roosters93
Member
I think this is definitely the case.
Make a new thread for casual bloodborners
Lite Souls
Gah.
Somehow managed to get one ear blocked with wax so its like hearing over headphones with that ear.
Went to the chemist yesterday and was presented with half a dozen near identical sets of ear drops that supposedly break up the wax so I can clear my ear. After day one it hasn't improved at all.
Anyone had to deal with this problem? Not really wanting to see a GP just to be told to do what I'm already doing.
Somehow managed to get one ear blocked with wax so its like hearing over headphones with that ear.
Went to the chemist yesterday and was presented with half a dozen near identical sets of ear drops that supposedly break up the wax so I can clear my ear. After day one it hasn't improved at all.
Anyone had to deal with this problem? Not really wanting to see a GP just to be told to do what I'm already doing.
I bought BF Hardline for PC a few days ago and neither campaign or MP will run. Updated drivers, tried multiple browsers and there doesn't look like there are many people playing it in Australia.
I shouldn't be surprised, it's EA and Battlefield. PC master race. Looking for solutions at the moment.
I'm expecting the same crappy launch for Battlefront at the end of the year
I shouldn't be surprised, it's EA and Battlefield. PC master race. Looking for solutions at the moment.
I'm expecting the same crappy launch for Battlefront at the end of the year
but still want to play it soooo baaaaad i'm an idiot I know
GP should be able to drain it.
Apparently. Though no chance of seeing my GP at such late notice the day before the Easter weekend (she's heavily booked at the best of times). Guess I'll have to wait till after. Surprising how distracting this is.
Poimandres
Member
Blocked ears are a shit. I used to get them all the time as a kid. Pretty much whenever I'd go to the beach.
Assorted ear drops are pretty meh. Really the best way to deal with it is to have your ear drained by your GP. You can sort of do it yourself with an ear syringe and warm water. Works okay, better than the drops I think. The sense of relief when all the wax dislodges is pretty amazing.
I've done it in terms of a drive (most of it) but not specifically staying anywhere. It is a lovely drive though, and it's pretty hard to find bad weather to travel along it.
Yeah Telstra gets a bit of hate but I've had no problems with them. Went from Internode ADSL (I was on a RIM too) and went with Cable, I didn't know I was in a HFC area when I bought the house...got lucky I guess. I did just get upgraded from 200GB to 500GB, which is good since the wife is watching a lot of Netflix now.
Lorne is nice, there's a great lookout of the coast there too.
ClivePwned
Member
Great Ocean road is a good drive. would be godly in a subaru. I did it in a rented Falcon. never again.
Just got Super Mario 64 and Donkey Kong 64 off the Wii U eshop. My Easter is set.
Just got Super Mario 64 and Donkey Kong 64 off the Wii U eshop. My Easter is set.
afaik the data doublings being gradually rolled out to everyone (including new customers)
Darren870
Member
We did it a few weeks ago. Stayed in Warrnambool which was a great little coastal town. Left Melb around 7am and got there around 7pm.
Though if you didn't want to go that far you could stay in Port Campbell. There isn't much between the two. I think Port Campbell would be more expensive though.
Took the inland route back.
Hlebalicious
Member
I'll have you know Warrnambool is the 8th biggest town in Victoria!! Grew up there lovely place.
Lorne and Apollo Bay are favorites with people going down the Great Ocean Road but if you can get to Warrnambool i recommend it as its a fantastic spot.
Darren870
Member
Missus and I loved it there. Wanted to stay there longer. Even talked about buying a place there haha.
It would be so nice to live but I suspect work would be pretty hard to find, and commuting would be out of the question.
reptilescorpio
Member
I live in Warrnambool and it farkin suckssssssssssssssssssssssssssssss
Could be worse though. Boring as fuck. Would be better with less fucking drugs around
Darren870
Member
Haha, yea we wouldn't actually live there I don't think. Would be an investment property or holiday home kinda thing.
Was a few gigs going on when we went there. There looked like some nice areas down by the shore with a market going on. Bike and walking tracks too.
What do you do for work there?
Don't come to Melbourne to avoid drugs. Everyone is on ice it seems. Just passed 5 groups of junkies on my short 15 min walk to wollies.
Can anyone clarify this for me? What I want to know is, can I take out a (small) personal loan to use as part of a deposit for a house?
Asking for a friend.
Asking for a friend.
Everyone pretty much is everywhere, sadly. Geelong city isn't great for it and pockets of Geelong are a bit gnarly, but in general it's actually not too bad. Suburb I'm looking at buying in (and have lived in my whole life) is pretty great, actually.
I'm sure you can (by saying it's for a holiday or something), but it would show up when you apply for a mortgage and they run your credit history. Which isn't a big deal if you are well able to afford the mortgage you are applying for, but if it's on the border of affordability (and which mortgage isn't?) it may impact how much they will lend you if they see you have other loan repayments to make.
It seems not a good idea, but I haven't worked in finance for over a decade now, so I would seek actual advice. I could be completely wrong and it's a common practice.
Darren870
Member
Is it for LMI? You can usually get LMI costs put into the loan, which would probably be a lower rate then for a personal loan.
ClivePwned
Member
Sure. Don't.
That sounds like a super, super bad idea.
Yeah, I have a feeling it impacts on how much I can borrow, and I did mention it when chatting to a dude at Commbank (he said it could be done (I think?), but don't say anything outside his office) but I think I have to see someone professionally before dwelling on it further. Obviously a broker or someone from a bank would be best.
Was more just hoping to allay any false expectations that it's a thing that I definitely, 100% cannot do at all.
Nah. It's to make up the savings I have so I have 5% (currently sitting at about 3%). Already assuming the LMI will be added onto the repayment of the loan itself.
The loan itself would be small and only for 5-7 years, which works out to be a little over $200 a month. Which I'll be able to afford on top of the mortgage (with help from the girlfriend).
How?
Why?
Just seems like a bank wouldn't want to go near it, would throw up red flags when doing credit history.
Plus extra financial pressure on you for the next 5-10 years.
Maybe if you got the personal loan a few months before applying for the home loan, combined with savings of your own? But then you might be stuck with a personal loan if the bank says no...
Fuck the MSY website, fuck it in the ear. Useless fucking thing.
Yeah, wouldn't surprise me if it was super common.
Yeah, wouldn't surprise me if it was super common.
industrian
will gently cradle you as time slowly ticks away.
The fact it would lead to having two long-term loans is enough to put me off even considering it.
ThoseDeafMutes
Member
Computer parts arrived for the NUC I'm building for an aunt.
Reddit person hasn't responded so it's all built, but I can't do anything else until I get the product key for the win install.
Reddit person hasn't responded so it's all built, but I can't do anything else until I get the product key for the win install.
bodyboarder
Member
If you are needing to take out a loan to show savings you shouldn't be getting a home loan.
Also personal loan rates are generally pretty ridiculous.
Ruthless_Barbarian
Member
Don't do loanception Shane, just don't.
ThoseDeafMutes
Member
Good work man.
I do the Town > Bellerive 5.2km semi regularly. The tough bits are uphill.
ClivePwned
Member
Shaneus- when you apply for a loan they will do a credit check- this will include every time you have applied for finance- even when you've been knocked back.
They will also look at your liabilities- current loans - since that affects your ability to pay back and current lines of credit- like an overdraft, a credit Card or store card.
if you have zero balances on a bunch of cards- but have a credit limit of let's say 10k, that's an extra 10k in debt you could possibly get into in the future, affecting your ability to pay back a mortgage.
Your personal loan will likely have a higher interest rate than any mortgage- even with mortgage insurance.
so again, just save. and keep saving. The house you want may get sold, but there will always be another one you like. Also -fixating on a property you MUST have is how people get themselves into a world of hurt.
As my mortgage broker Derryn Hinch always says, "Save, Shane, Save."
They will also look at your liabilities- current loans - since that affects your ability to pay back and current lines of credit- like an overdraft, a credit Card or store card.
if you have zero balances on a bunch of cards- but have a credit limit of let's say 10k, that's an extra 10k in debt you could possibly get into in the future, affecting your ability to pay back a mortgage.
Your personal loan will likely have a higher interest rate than any mortgage- even with mortgage insurance.
so again, just save. and keep saving. The house you want may get sold, but there will always be another one you like. Also -fixating on a property you MUST have is how people get themselves into a world of hurt.
As my mortgage broker Derryn Hinch always says, "Save, Shane, Save."
An unsecured loan is 10% interest minimum. It's throwing money in the bin.
If you can afford to pay it off along side a mortgage, that's how much you can afford to save a month.
Let's say a 400k house. 5% deposit of 20k. The monthly repayments on $380k over 30 years at 5% interest are about $2040. Repayments for the 8k personal loan over 5 years at 10% are about $170 a month. Total interest on that personal loan is $2200.
If you save your money at the rate of mortgage plus personal loan repayment, say $2200 a month,it will only take you 3.6 months to save up the 8k needed to avoid the personal loan.
So your choices are, wait 3.6 months or burn $2200. I'd be waiting.
I've probably got something wrong in there somewhere though, so check my work.
Edit: Not to mention the effect of having an extra $170 /month in hand for five years. If you put that money towards your mortgage instead you will save a boatload. I'll figure it out, brb.
Edit 2: Ok, its a bit hard to find a calculator that will let you put in an extra repayment for a little while and then stop, and I'm not busting out the spreadsheets just yet. But, if you if put in an extra $170/month for the life of the loan, you save $62000 interest and pay it off 4 and a bit years sooner. Or, if you save that $170/month for 5 years and put the $10200 lump sum into your account (which assumes 0 interest on the money) after five years, you save $24000 in interest and 16 months off your mortgage.
If you can afford to pay it off along side a mortgage, that's how much you can afford to save a month.
Let's say a 400k house. 5% deposit of 20k. The monthly repayments on $380k over 30 years at 5% interest are about $2040. Repayments for the 8k personal loan over 5 years at 10% are about $170 a month. Total interest on that personal loan is $2200.
If you save your money at the rate of mortgage plus personal loan repayment, say $2200 a month,it will only take you 3.6 months to save up the 8k needed to avoid the personal loan.
So your choices are, wait 3.6 months or burn $2200. I'd be waiting.
I've probably got something wrong in there somewhere though, so check my work.
Edit: Not to mention the effect of having an extra $170 /month in hand for five years. If you put that money towards your mortgage instead you will save a boatload. I'll figure it out, brb.
Edit 2: Ok, its a bit hard to find a calculator that will let you put in an extra repayment for a little while and then stop, and I'm not busting out the spreadsheets just yet. But, if you if put in an extra $170/month for the life of the loan, you save $62000 interest and pay it off 4 and a bit years sooner. Or, if you save that $170/month for 5 years and put the $10200 lump sum into your account (which assumes 0 interest on the money) after five years, you save $24000 in interest and 16 months off your mortgage.
Next Amiibo wave is up on the EB site. There was no option to pickup in store this time though, I called my store and they suggested I complete my online preorder now, go into the store on Saturday to preorder the next wave for instore pickup and then cancel my online order. Sounds like a decent plan to me so I did.
reptilescorpio
Member
None of the major acts tour down here obviously. The one spot some bands do play at is tiny and dingy as fuck sadly.
I work in the public sector. Basically wasting tax payer dollars tbh.
Ice is fucking bad everywhere. Friends next door neighbour nearly got stabbed to death by her LSD using son. Cops are out of their minds because there is no way to get them off the drugs, they take them up to the hospital and the hospital just lets them out. Terrible circle of abuse and violence.
Happy times!
ClivePwned
Member
the last batch is the first since launch that they still seem to have in stores. I've now seen them in TWO stores in healthy supply (a Big W and a JB).
I started Fargo this week. I really hated it for the first 30 minutes. Three eps in, I'm hooked.
also Super mario sixty phwoar!
oh ya you don't say
FormallyMegadrive
Member
Use olive oil or the solution they're giving you twice a day for a few days, then see a GP. They'll flush your ear with warm water. source: ear wax problems for my entire life, including very expensive specialist visits
guy on ice came into work today asking about his missing dog. not even remotely hiding it
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