From 41451956ddac2daf7f4c53c35da878e86d66fd72 Mon Sep 17 00:00:00 2001 From: Damien De Paoli Date: Tue, 29 Apr 2025 12:06:19 +1000 Subject: [PATCH] updated thoughts/TODO --- README | 4 +++- 1 file changed, 3 insertions(+), 1 deletion(-) diff --git a/README b/README index ad13cd0..1814e6d 100644 --- a/README +++ b/README @@ -3,7 +3,9 @@ TODO: CONSIDER in code: * when we time the payment of GMHBA / HCF (and at what cadence) and include it in calcs better - it kicks in after pay stops, and could be paid monthly say, but it is higher than if we pay yearly (I think) - * altering CBA share price / by likely annual changes -- speculative but also significant enough to make a difference + * could try to get smarter with +6 fortnights at end -> as it also ends in different car repayments for 6 fortnights + * could make bills be paid quarterly rather than as 'daily' living expenses + - also could be more painful with bill increases, they seem to go up more than CPI CONSIDER in real-world: * moving > $250k into say ING, then rabo-bank -- 4 months interest higher in each -- maybe to another provider after that