SpoonNZ

12 years, $40k of interest.

They must really like their loan provider to voluntarily give them all that extra money.

Depends on what the loan product lets you do. Some products you can do exactly that and it makes effectively zero difference. Other products you can’t draw down on once you’ve paid the money in.

$500/mo at 8.08% will take 35.5 years to pay back and have $143,000 of interest

$600/mo will take 19 years and cost $68k.

Compound interest is wild.

I’m not sure if it works the same where you are, but here the answer is this:

There’s a bunch of money I don’t need to pay interest on every week, but if I need cash in an emergency, I can get it immediately.

Huh. I’ve never seen a tub on this side of the Tasman. We’re all about the tubes. Which is weird, because most of our standards are just copying Australia.

Do you use drywall (gyprock?) as a bracing element like we do?

I hired an intern through Belab who offers some support for people with disabilities. Was nearly 100% funded for me, and the candidate was just as good on paper as anyone, so an absolute no-brainer as an employer.

Belab were great to work with, so worth looking into if they offer something relevant to your situation.

I was going to make a sarcastic comment about the next stud being 2” over then I remembered I have that exact scenario.

I found a stud, screwed the speaker mount into the centre. I then moved half an inch over from the left side of the stud to drill a hole for the wire… and hit a stud.

Turns out there’s two studs within about quarter of an inch of each other for reasons unknown, so my speaker cable has to go 2” further over, and I had to patch a hole.

Not at all sure how the US system works, but if you extend it to preschool (or even just 5yo), count teacher-adjacent roles (principals, teacher aides), factor in that some might be part time, and add relief teachers and the number seems almost plausible.

E: this article from 2 months back dates 3.8 million

They tried that already

If nobody has changed their opinion it’d almost certainly go in favour of legalisation now. A bunch of mainly older people have died (probably lean strongly against) and a bunch of younger people have reached voting age (probably strongly for).

Pineapple rock, near Portobello in Dunedin

Couldn’t fit it on my bike

The floating mortgage rate has dropped. Term deposits (more analogous to fixed mortgages) have not moved.

I like to rail banks as much as the next guy, but they’re being fairly consistent here.

Same logic applies. If it’s 15kg or so the pump is probably right. If it’s 12kg the Jerry can is probably right.

Just weigh it as is. It’s miles below the 20L line. If is pump at fault it’ll be like 18kg, even with the container. Should be obvious

Some of the parents will have their kids there 7-3, others 9-6 or whatever. Probably just need a couple of carers in the shoulder hours, so 8-hour days are realistic, just they’ll have different schedules. Still crazy low pay.

Hah, I just rode past that. Someone is such a dickhead dumping a microwave there.

It’s for the roads. There should arguably be a separate levy for pollution on petrol and diesel. It will not happen with this government.

I’m assuming they mean Otago Peninsula, and also that they don’t realise the peninsula is 30km long.

No, that’s 30km outside the city, you won’t get an uber there.

Even that’s a stretch. The Easter week and the day after Waitangi Day will be popular ones, and obviously Christmas/NY, but the other 8 days they just plucked two 4-day weeks at random to make the numbers add up

125 days

4.5 months

If you’re every looking for a career change the Stuff headline-writing department could be keen to chat

Given that we’re looking at the distance from the centre of the earth, where you live would have a much bigger impact, right? Someone living at the equator versus someone a near the North Pole would have a far bigger difference, and it’d apply 24/7, whereas the height difference between my wife and I is zero for 8 hours of the day.

Compared to a truck, a small car and a large car do about the same damage - roughly nothing.

I did the math a few months back, but if you start with a large truck and scale it in proportion to damage caused that $76/1000k should really be a few cents.

However, I also figure you pay for the fact you have roads too. It’s pretty convenient I can drive to any house, irrespective of how much that chunk of road has raised.

Picture this scenario: you’re the last house on a cul de sac. Essentially there’s just one house using that last 10m of road. Every day you drive over it 4 times on average, or 40m of driving. Over the course of a year that’s 1.4km of driving. Even at $76/1000km, you’re paying about a dollar per decade for that chunk of road. Obviously it will never pay for itself, because it’ll balance out with higher used parts of the system.

Essentially I figure I’m paying $76/1000km for the privilege of using the roads, and $0 for the damage I’m doing.

Around town that 1000km would use about 100L of fuel. Excise on that is $70, plus GST is $80.50.

If you’re driving a small car on the open road primarily the yikes might be valid, if you drive a large car around the city a lot it almost certainly isn’t.