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@sbikeboy Remember you can't get the 6c discount for using flybuys when buying through Sharetank, so really only 23c/L discount.

@cr0011 Go through the website and put in your address, add power, and it will show you the rates. https://www.2degrees.nz/broadband/plans?discount=yes&powerDiscount=yes For me in Taranaki it's crazy expensive compared to Flick.

@olympica You're right sorry, had the total world fund and growth funds mixed up in terms of fees.

@almiva Yep sure is, and it's free

@samsontw Categorising transactions can be annoying, but I think most services do it the same way. Transactions descriptions are often inadequate so you have to do a little guessing game as to what the transaction was for, but again this would be true for all similar services. The presentation...

@kknmksmama You're basically coming back to a minimum wage job (minimum wage goes up to $48k in April). Does conservation have any kind of career progression potential, ie do you see yourself going into management or project management in the future? The #1 thing you can do is invest in...

@almiva I tried a few and settled on my booster pal. Takes a while to categorise transactions the first time but then it's pretty good after that and just need to categorise the odd new transaction each month.

@cited If you're just investing in VT, I'd recommend investing in Smartshares TWF. Fees are higher at 0.4% vs 0.07%, but you get some tax relief being a PIE fund (if you're >30% tax rate) and you don't get stung with the 0.6% fx fees you're currently getting. I wouldn't recommend investing in...

@wedinn Kiwibank's airpoints platinum offers 0.87% cashback ($1 air points per $115 spent)? And costs $180/year. You have to spend $21k just to break even on Kiwibank's offering. ANZ (not sure if this is the best anymore) offer $1 air points per $110 spent ($150/year), so beats Kiwibank on both...

@lovinganimals I guess we'll find out in the next couple of weeks.

@lovinganimals The 1 yr swap rate also dropped by 0.3%, the 1yr rates were baking in an expected rise to somewhere closer to 6% OCR but RBNZ outlook is that this is the highest it will go.

@christopher30 I use mybudgetpal and manually upload my statements every month or two to categorize spending (takes a bit of set up but once the rules are in place it works pretty well going forward). I use spreadsheets every day in my job and would consider myself an advanced user, and use...

@lukeplyr83 To play the devil's advocate... I don't think they are promising 60% returns every 3 months in perpetuity. The idea is that there is some one-off scheme that requires substantially more capital than they have (hence why they can't just do it themselves) and has a short turn around...

@wedinn Everybody is in it to make money for themselves. You think people work for free? Brokers have proven time again they can at least beat the bank's best offering and usually get you better rates than the bank will offer. There's literally no downside to getting an offer from the bank and...

@marcyhoney Brokers exist in so many industries from insurance, real estate, employment, material acquisition, contracts, etc etc etc, billions and billions of money exchanged in commissions globally. You're arguing that all of those brokers are pointless as well basically for the same reasons...

@marcyhoney The business model works because it gives new business to the bank that may otherwise not be there. So usually brokers will want you to change banks because this gives them the best kick-back commission, but it will also reward you with a lower interest rate than sticking with your...

@antiquarianbookfan There's no real need to stick your main bank because cash transfers within NZ banks are same day now.

@antiquarianbookfan Kernel as a company is plenty safe. The banks they are using to invest your money are a bit of a mixed bag with some good A banks and some lower B banks, but I'd say it's pretty unlikely any of those actually go under in reality. Note that the return on that fund is the...

@antiquarianbookfan Leave the $5k in your bank for an emergency fund but shift it to an on-call savings account, this will get you around 4.5% interest Jus to clarify on other comments, 3-5 years is too short to be investing in the stock market, because when you come to use the money to buy a...

@jeffreymj1 Going on maternity leave affects your income so your ability to pay your mortgage is considered compromised by the bank. Most likely he tried to reapply for a new mortgage term and had to disclose maternity leave.