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updated thoughts/TODO

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Damien De Paoli
2025-04-29 12:06:19 +10:00
parent 1f993397b7
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@@ -3,7 +3,9 @@ TODO:
CONSIDER in code: CONSIDER in code:
* when we time the payment of GMHBA / HCF (and at what cadence) and include it in calcs better * 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) - 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: CONSIDER in real-world:
* moving > $250k into say ING, then rabo-bank -- 4 months interest higher in each -- maybe to another provider after that * moving > $250k into say ING, then rabo-bank -- 4 months interest higher in each -- maybe to another provider after that