***NOTE ABOUT INSURANCE***

[BerG]

Under 25? Only Club Auto or NAC will take you.

[toofast]

Yea under 25. Ended up going with state after i called and they gave me a good price with the mods. The guy mentioned something about nac on the phone, but after listing my mods he seemed happy to do the policy at $54 a month. Was able to explain the mods are fairly low key, and near impossible to steal (other than the wheels which i dont know why anyone would steal other than for tires), and that they all came with the car (which he seemed to put some emphasis on, so prehaps they are less interested in people actively modding their car). Fairly happy i guess, since my previous car had modifications (including certed suspension), and ended up getting quoted at $140 something (and ended up just going third party since the car was only worth 3.5k).

[Bounty Hunter]

State are a pack of wankers.

They would insure me on a 107hp race bike with headlights, but wouldn't insure me for a 105hp 1989 mx5 because it was considered a high performance car

[Apostrophe Spacemonkey]

All you guys should get over 25 already.

It's awesome.

[BerG]

Its awesome until you realise you're almost 30. 1/3 of the way through your existence. You are no longer a youngen. You have a career, and a long term girlfriend. You still dont own a home. Why did you waste all that money on cars and computers? Why didn't you save your money so you would now have a huge deposit for a house and have a bunch of schmucks living in it paying it off for you? Why didn't you keep going to those Tae Kwon Doe lessons as a child? You would have had a black belt by 12. Why didn't you leave school and travel the world, living on whatever shit paying job you could find? Its too late now.

But worst of all...why didn't you have sex with Sally? It was there for the taking.

If only we could go back.

[Apostrophe Spacemonkey]

If only we could go back.

I'm working on that. I just need to acquire enough plutonium.

[Craigor]

Its awesome until you realise you're almost 30. 1/3 of the way through your existence. You are no longer a youngen. You have a career, and a long term girlfriend. You still dont own a home. Why did you waste all that money on cars and computers? Why didn't you save your money so you would now have a huge deposit for a house and have a bunch of schmucks living in it paying it off for you? Why didn't you keep going to those Tae Kwon Doe lessons as a child? You would have had a black belt by 12. Why didn't you leave school and travel the world, living on whatever shit paying job you could find? Its too late now.

But worst of all...why didn't you have sex with Sally? It was there for the taking.

If only we could go back.

*owned home at 25*, *has travelled around*, *didn't want sex with sally*
oh, and inb4.. *doesn't have rich parents*

[frankytanky]

Its awesome until you realise you're almost 30. 1/3 of the way through your existence. You are no longer a youngen. You have a career, and a long term girlfriend. You still dont own a home. Why did you waste all that money on cars and computers? Why didn't you save your money so you would now have a huge deposit for a house and have a bunch of schmucks living in it paying it off for you? Why didn't you keep going to those Tae Kwon Doe lessons as a child? You would have had a black belt by 12. Why didn't you leave school and travel the world, living on whatever shit paying job you could find? Its too late now.

But worst of all...why didn't you have sex with Sally? It was there for the taking.

If only we could go back.

THIS MAN SPEAKITH THE TRUTH      *off for a cry

[BerG]

*didn't want sex with sally*

Sex with Sam?

[Bounty Hunter]

All you guys should get over 25 already.

It's awesome.

 
yeah I am 25 now so it's a moot point, but they're still cunts.

Its awesome until you realise you're almost 30. 1/3 of the way through your existence. You are no longer a youngen. You have a career, and a long term girlfriend. You still dont own a home. Why did you waste all that money on cars and computers? Why didn't you save your money so you would now have a huge deposit for a house and have a bunch of schmucks living in it paying it off for you? Why didn't you keep going to those Tae Kwon Doe lessons as a child? You would have had a black belt by 12. Why didn't you leave school and travel the world, living on whatever shit paying job you could find? Its too late now.

But worst of all...why didn't you have sex with Sally? It was there for the taking.

If only we could go back.

 
Also having a plan.

I was yarning with some of the dudes in my class the other week, a dude asked what our plans were when we left uni, the 20-22's were all "ohh...yeah....no plans yet aye.....maybe travel....I dunno really" I said "Get a job at fisher and paykel, 3 to 5 years there then get into the automotive industry in japan, uk/europe or maybe america" with total conviction.

[toofast]

"Get a job at fisher and paykel, 3 to 5 years there then get into the automotive industry in japan, uk/europe or maybe america" with total conviction.

Don't get a job at fisher and paykel.

[Bounty Hunter]

Don't get a job at fisher and paykel.

as a controls engineer? why not?

[Bell]

You still dont own a home.

Well luckily since you don't have a house (aka a giant financial anchor) you can up and run at any point, save every penny for a few months quit your job and fuck off around the world for a year or 2. You will soon forget about Sally once you start mingling with the locals.

[toofast]

as a controls engineer? why not?

well i guess it depends on whether its healthcare or appliances. Was referring to healthcare.

[Apostrophe Spacemonkey]

Well luckily since you don't have a house

How is he lucky he doesn't own something worth hundreds of thousands of dollars?

[Bell]

How is he lucky he doesn't own something worth hundreds of thousands of dollars?

Because most NZ home owners (especially young ones) have the title to a house and are hundreds of thousands of dollars in debt and are paying thousands of dollars of interest every year.
Sure you can rent out to get some flexibility but then you then need to always worry about the tenants moving out (if you stop getting rent for a couple of months you are fucked) or fucking over the house, have to worry about the rental market, have to worry about house prices, have to pay for maintenance and buying insurance.

I feel it puts many people into a mindset where they can't take any risks because "I have a mortgage to worry about", can make for a pretty boring late 20s and early 30's IMO.

[Bounty Hunter]

Because most NZ home owners (especially young ones) have the title to a house and are hundreds of thousands of dollars in debt and are paying thousands of dollars of interest every year.
Sure you can rent out to get some flexibility but then you then need to always worry about the tenants moving out (if you stop getting rent for a couple of months you are fucked) or fucking over the house, have to worry about the rental market, have to worry about house prices, have to pay for maintenance and buying insurance.

I feel it puts many people into a mindset where they can't take any risks because "I have a mortgage to worry about", can make for a pretty boring late 20s and early 30's IMO.

property management company?

note: I know fuck all about how the property management company-property owner thing works.

well i guess it depends on whether its healthcare or appliances. Was referring to healthcare.

I'm 50/50 on appliances vs healthcare. I just see F&P as a means to an end.

[Pyromanik]

Cleaning appliances
Pros:
Doesn't complain when you need something cleaned.
Cons:
Can't stick your dick in the whiteware.



Brilliant thing about insurance companies, young people and vechicles on the 'risk' list:
They'll happily take all your money for your overpriced premium, but when it's time to claim, you're a young person in a sports car, it's your fault, no payment.

[toofast]

Brilliant thing about insurance companies, young people and vechicles on the 'risk' list:
They'll happily take all your money for your overpriced premium, but when it's time to claim, you're a young person in a sports car, it's your fault, no payment.

Pretty much what i am worried about. That being said, hoping it will just be $50 a month for peace of mind and i never need to claim :>

I'm 50/50 on appliances vs healthcare. I just see F&P as a means to an end.

I dont think just aimlessly going to F&P (or even a lot of big companies is a great way to develop your skills). Its definitely worth looking around the smaller companies. Assuming you already have prior skills, you will get a much better chance to showcase them in smaller companies.

[toofast]

Double post back on topic. Got the documents today, and one thing i noticed was they listed the mods as being done after purchase, rather than before. I am wondering whether this is something thats worth chasing up? Is it likely to effect premium or claims etc. Anyone know how they use that criteria (as in more likely to insure people who buy with mods rather than mod themselves etc).

[PrinceTuiTeka]

Insurance companies will find ANYTHING to get out of paying up when its time. Make sure everything to do with your policy is correct.