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About dzire4S15

  • Rank
    Standard Member
  • Birthday 12/17/1988

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  • Location
    Australia QLD
  • Gender
  • Car Type
    Nissan Silvia
  • Car Model
    '02 S15 Spec S GT
  • Occupation
  1. i did a euro tour as well for a bit over 4 weeks. i got travel insurance through student flights who directed me to covermore. i paid around the $150 mark which for a month long trip isn't to bad considering what they will cover you. I would suggest you do take out the insurance. For the price you pay you do get peace of mind. that also said a friend of mine got sick while on tour and went to a hospital. Cost him about $450 to get looked at and drugs given to him which he says was worth it(he fully recovered within a day and a half, no use being sick in europe for a few weeks and not enjoying yourself). He was able to recoup the majority of the costs so he was happy
  2. Insurance-so the hassles begin!

    im 22 aswell, S15 Spec S GT and only paying $1350 a year. rating one driver. agreed value of 24k
  3. Gym wankers

    metro guy walking around with a hat(as pictured below). i can understand people wearing a cap if they have long hair but seriously a styled hat in the gym....so fail. to top it off i saw him do 1 set of chest then walk around for 15 minutes talking on the phone and then get up one of the PT's for taking the weights off his bar when it looked as though it was empty and unused(he didnt have a towel to place on bench)
  4. Brokded Bones!

    they need the upper most screws to be that long so the thread of the screw is well past cortical bone. this is a common thing to surgeons to do particularly in your case. if you consider where your fractured bones are, where the majority of the screws are and where the position of the plate is located, they need a well "cemented" upper screw to not put tension on the plate(and inveriably the alignment of your leg) in a weird way. Also at a guess the surgeon who did this i recon was a registrar and not very experienced cause the alignment of your leg isnt the best for the injury you got. from my experience definately pay for what you get. pay top dollar for a orthopeadic surgeon/consultant to do work.
  5. Home Loans!

    seems that 6.33-6.5% seems to be the ball park figure of fixed interest rates from a few banks/lenders iv seen so far. indeed. just as an idea, first property is entirely as an investment to get my foot in the door and build some equity for future purchases. in terms of cash flow i have no issues, i have a steady income with the capacity to earn more, work for the government so i can get concessions with 'salary sacrifice' to reduce taxable income but still be in a high enough tax bracket to adopt negative gearing, etc with everything. i dont intend on living in it so its purely investment. i have 0 debt, no credit cards no nothing, only a HECS debt but i dont think you can count that. also helps i live at home lol and have literally no expenses, only phone bill, petrol and food haha
  6. Home Loans!

    20% plus legals but maybe 3-4% buffer but yes.
  7. Home Loans!

    hey ns gang, As we all know the current housing market is on a low so its been suggested that now is a good time to get into the property market. im looking to purchase an investment property, got a deposit all sorted just need to find a bank that offers the best deal. The market is quiet competitive in that banks really do want our business and sometimes approaching their investment brokers/lenders/home loan specialist you seem to get alot of BS from them trying to "hard sell" you there products without being competitive in any sense with a better deal/offer/interest rate. So im after all you ns people who have already purchased a home/in the market for a home/know about home loans to help a brother out. Basically what im after is who have you found(bank) to offer the best competitive home loan, by which i mean best interest rate, annual fee's waived, special offers, these added "schemes" where you pay X amount and get a discount rate etc. Having gone through most of the big name banks' offers its hard to gauge what the bottom line best offer is when theres so many options. help a brother out in a time of confusion. any help would be greats
  8. Guess the location game - Part 2

    amsterdam, netherlands?
  9. Ghost-Mobile

    if im not mistaken there seems to be a gold tac stuck in the sidewall of your rear left tyre
  10. NBA Lockout

    iv been following the nba and its lockout aswell since it began. I think whats forgotten here that the players asssociation isnt being greedy at all but rather looking out for the small guys and senior players. The players association are more concerned about the guranteed contracts that offer the veteran players a set minimum pay, these include those exception rules like the early bird, bird exemptions, veterans wages etc. Also for teams that develop players from rookie season to offer a better contract extension once their current contract expires which again is a nba exemption rule. the owners are argueing that player salaries are going through the roof but in my opinion the onus is on the OWNERS to make the decision on how much they should pay a player and how much they are worth. take a team like atlanta hawks who offered joe johnson(who in the scheme of players in the league isnt the BEST player around avg like 20ppg) a max contract of $120 million or orlando magic giving rashard lewis or even washington gilbert arenas max contract deals who end up being a bust. IT was the owners decision to offer these guys those deals not the players. fair enough if i was a owner to offer those to players like kobe, lebron, wade, dwight howard, rose etc because these are QUALITY players who bring in big revenue for the teams in ticket and merchandise sales. The owners;particularly the smaller town teams are fighting for a more even spread in talent pool and revenue sharing to make it a more competitive league(in the case of a small town teams salary being 1/2 of that of someone like the lakers who pay almost $90 mill in luxury tax) but the owners knew that before buying a team. the lower ranked teams have also been gifted with alot more higher draft picks in recent years ie washington/minnesota/sacremento but still arent becoming competitive at there own fault. take a team like cleveland who were basically bottom feeders and resurrected to a top team by a number 1 draft player. SO really the players have offered a 54ish 46 split in revenue and other considerations but its the owners who really are being greedy and arent being open to negotiations. i dont see why the last CBA had any issues and they cant "tweak" that and get the season going. who knows
  11. Tyre Fitment on Rim

    touche!! lol just covering all grounds really incase something unexpected pops up
  12. Tyre Fitment on Rim

    hey guys, appreciate all the input so far. that tyrestretch website was helpful. im not so much concerned about the stretch on the rim but rather the inner portion of the tyre rubbing/scrubbing on my strut. here is a picture of what i mean(the rim isnt bolted in or held down but when its flush i can put my finger inbetween the strut so roughly 5mm)
  13. hey guys i bought a pair of work cr kai's 18x 8.5 offset +37 for cheap to go on the front of my s15 with stock suspension. i did a trial fit of the rim and seemingly have about 5mm of clearance to the strut(needs a wheel alignment asap, fronts seem to have uneven amounts of camber compared to when i first bought it). the guy i bought the rim off suggested i get 225/40/R18 and im not sure how much a stretch that is on the tyre. im looking at getting some kumho ku31's and tempe tyres have them online cheap at the moment with free delivery but not in that size. only 215/40/R18(quiet a bit of stretch?) and 235/40/R18. Is there much difference in going the 235?or 215? over the 225 size. either size will from what iv calculated is going to be 4mm higher or lower in height on the sidewall but 215 being quiet a stretch being exactly 8.5 inches in diameter? main issue really is if there is sidewall flex fouling with my strut, rather not have to use a spacer. any help on this would be great. i want it to fit without to much fluffing around and at the same time be safe but look good. cheers in advance p.s yes i am noob EDIT>> hey guys, appreciate all the input so far. that tyrestretch website was helpful. im not so much concerned about the stretch on the rim but rather the inner portion of the tyre rubbing/scrubbing on my strut. here is a picture of what i mean(the rim isnt bolted in or held down but when its flush i can put my finger inbetween the strut so roughly 5mm)
  14. Do u still live with your parents

    im 22 and still live at home. got a degree, have a s15, travelled, have deposit for a house but im currently looking for a nice house to buy. that being said i really have no intention of moving out anytime soon unless circumstances change. i get along with my parents really well and they enjoy having me around. I personally feel that i can move out anytime i like but my presence at home helps the family out, i can help around the house,pay groceries etc and spend some time with parents as they aint getting any younger.