It’s that time again. There’s not much you can to do avoid it, since I hold the trump card of Admin. Mostly I don’t post as I don’t think anyone really gives a shit anyway. So I just work away in the background fixing what breaks every couple of weeks. But I’m going to take a break from playing Urban Terror (I blame Abhishek for introducing me) and utilizing my subscription to Marvel Digital, both of which I’m quite glad for really as they help break up the monotony of trying to work out what to do next.

Thus I’m going to post a fraction of my thoughts on the past week.

The Tiramisu and Creme Brulee chocolate from cadbury, don’t taste anything like what they’re supposed to. They’re okay though, as long as you forget what they’re meant to be.

Cadbury Old Gold Liquer Flavoured Selection.

Tastes like cooking chocolate. The Irish creme centers are pretty bland

What’s up with “Intensity” though?

Their entire range is rated 3/5 cocoa beans for intensity! Why would you rate your own product like that?

On the chocolate note I went down the local liquor store last night and purchased another two bottles of Creme da Cacao. One bottle of De Kuyper dark and one of Continental white.

De Kuyper is about $25 to the Continental at $20, it’s less syrupy with a more complex taste but unfortunately that complex taste also tastes kind of like dirt. Drinking it straight the De Kuyper is probably better, but if you were mixing it with say milk then I’d save my money and get the Continental if possible.

Though I possibly shouldn’t do that since apparently I live in Manurewa now (who’s border is soon to reach the North Shore if TV3 has it’s way) and drinking alcohol will thus fuel me to commit further murders.

Maybe the only place safe is to go further south. Last Thursday I went out with some friends to the Sahara Tent for dinner in Papakura, (brand loyalty most likely, if you haven’t been it’s worth going at least once [get the Chef's Special, trust me]) and I believe that we all successfully went without being stabbed, shot etc.

Though whether in the greater scheme of things this is important who knows, with the world ending in half a month. Which is fitting in a way since it’s like three days after I’ll get my laptop, on the plus side I won’t have to worry about the interest payments on my credit card.

Which reminds me, how are you meant to buy a house now?

Suppose you had a reasonably well paying job at 80K/year before tax.

Before tax: $80000/year
Tax: $22470/year

After $57530/year

The maximum you ever borrow is such that the interest payments are at most 30% of your after tax income.

$57530* 30% = $17259/year

At the moment variable rate is about 11% per annum.

Loan*11% = 17529

Loan*0.11 = 17529

Loan = 17529/0.11
=$159354.54
= ~$160,000
That’s not much, you’re going to have to save a pretty hefty deposit to afford to live inside Auckland. No wonder so many people are flatting.

Well not that it’ll matter next month anyway :P

Link of the day: Desktopography.net