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#151 | ||
FF.Com.Au Hardcore
Join Date: Feb 2005
Posts: 5,045
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#152 | ||
T3/Sprint8
![]() Join Date: Jan 2005
Location: Australia
Posts: 16,334
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there's your recipe/s b0son..once again but you want more we know.
Funny, similar to how anyone gets to 1st base and next. Similar recipe's, posts/pages 148, 150, at your bookstore now ![]() fordomatic, I brought up this massive cafe/coffee culture to a friend just the other day now invading every single corner, industrial areas to where ever. I drive by and think where do all these people put 1 so much caffiene away 2 the cake this or that near on every single day - a $20 here a $50 there, like WTF. I like my caffiene but its at home. I have a group of mates hounding me to turn up for early Sunday am talking crap like a hens whinge meet - I say I have far better things to do that wasting my time talking BS when I could be doing things far more practical for starters or working around the house etcetc washing the cars or doing some sport as I like doing. WTF is it sitting around so much and then keep spending bucks that once you never would have considered, maybe its the smashed avo. I do that at home as well.
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Tickfords T3/TS50 '02 Sprint8 manual Sept 24 '16 Daily Macan GTS "Don't believe everything you read on the internet. Abraham Lincoln" |
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#153 | |||
Yep ... BOOSTED
Join Date: Apr 2011
Location: Mid North Coast NSW
Posts: 187
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Daily Driver - 2000 - AU2
(April Fools Day Build) |
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#154 | ||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,374
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Today I offered on a place I inspected last night and looks like I have got it based on the email I got. He said he would take it off the market and send the sales instructions on Monday.
I have lodged the formal offer so we have to see because he said "we'll talk tomorrow" so I'm hoping nothing has changed. It just so happens I had an appointment with my broker today and less than a hour later there you go ![]() So here is hoping it all goes through. I'm bolting for the try so it's just a case of getting over the line. Certainly further than I've been previously though ![]() |
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#155 | |||
FF.Com.Au Hardcore
Join Date: Jun 2017
Posts: 1,341
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#156 | |||
Lyminge, Shepway, Kent
![]() ![]() Join Date: Oct 2008
Location: Geelong - Go Cats
Posts: 3,197
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Mel Brooks sums it up best; "Comedy is when you fall into an open sewer and die, tragedy is when I get a paper cut" |
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#158 | |||
FF.Com.Au Hardcore
Join Date: Jun 2017
Posts: 1,341
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#159 | |||
Lyminge, Shepway, Kent
![]() ![]() Join Date: Oct 2008
Location: Geelong - Go Cats
Posts: 3,197
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Quote:
__________________
Mel Brooks sums it up best; "Comedy is when you fall into an open sewer and die, tragedy is when I get a paper cut" |
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#160 | ||
FF.Com.Au Hardcore
Join Date: Jun 2017
Posts: 1,341
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#161 | ||
Regular Member
Join Date: Jan 2016
Posts: 130
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i own a house and id love to see it worth less so other people could get there foot in the door of the housing market if my house is worth more or less doesnt mean **** unless i want to borrow against it when you turn greed into something as important as housing we really have lost a moral compass in this country such pathetic people caring so much about making money of the misery of others. You can spin the **** anyway you want weve ****ed future generations but aslong as the old hasbeens now are happy thats all the matters just ask the liberal scumbags in charge.
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#162 | ||
Regular Member
Join Date: Jan 2016
Posts: 130
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what the people in this thread who already have it made mean to say is i did it easy and im living large of the profits other people these days might have it harder i wouldnt know as i dont have to do it but ill sure tell people how easy it is for them and id totally do it to but i got a good job and worked hard and if you did what i did you can do it to even tho i dont have to people are just lazy thats why and buy things like food and pay bills if they did less of that they could live like me to MAN ID TOTALLY OWN 55 HOUSES BY NOW IF I WAS BORN NOW COZ I WORK SO HARD AND SACRIFICE THINGS but i dont have to tho coz i already own it and used astronomical house growth special tax incentives but that had nothing to do with it you know coz i totally had a job and worked really really really hard like harder then people work now like those people who work 10000 hours a day carrying 60 tonne boulders totally harder then them but im totally great end quote.
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#163 | ||
FF.Com.Au Hardcore
Join Date: Oct 2010
Location: Mid North Coast
Posts: 6,442
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This, people these days want to start off with a mansion with all the mod cons, new cars and European Holidays, the latest iPhone and every gadget as well as going out drinking every week end.
__________________
The Daily Driver : '98 EL Falcon, 5 Speed , 3.45 lsd The Week End Bruiser : FPV BF GT 40th Anniversary, 6 Speed Manual, 6/4 Brembo and lots of Herrod goodies Project 1 : '75 XB GS 351 Ute, Toploader, 9" with 3.5's Project 2 : '74 XB GS Big Block Coupe, Toploader, 9" with 4.11's In Storage : '74 XB GS 351 Fairmont Sedan XB Falcon Owners Group Mike's Man Cave |
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#164 | |||
FF.Com.Au Hardcore
Join Date: Oct 2010
Location: Mid North Coast
Posts: 6,442
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Quote:
I love going for a drive down to the beach and having a coffee with friends or family and shooting the breeze. Seriously a $5 coffee every now and then is not going to break the bank.
__________________
The Daily Driver : '98 EL Falcon, 5 Speed , 3.45 lsd The Week End Bruiser : FPV BF GT 40th Anniversary, 6 Speed Manual, 6/4 Brembo and lots of Herrod goodies Project 1 : '75 XB GS 351 Ute, Toploader, 9" with 3.5's Project 2 : '74 XB GS Big Block Coupe, Toploader, 9" with 4.11's In Storage : '74 XB GS 351 Fairmont Sedan XB Falcon Owners Group Mike's Man Cave |
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#165 | ||
FF.Com.Au Hardcore
Join Date: Jun 2017
Posts: 1,341
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Totally agree. Sacrifices have to be made to get ahead. So many younger couples are not prepared to buy an older home OR buy in a place that is not ideal to get in the market. I also believe many people like myself who are in their own home will not be in a position of wealth when they sell. eg: If I paid $420k for my home in Baulkham Hills, it would now be worth $1.2m. If I am 50yo with no superannuation or investments, when I sell, I will need to buy in a area such as Katoomba, which will allow me to keep roughly $4-500k if I buy for $700k. Based on two of us living 30 years on $30,000 a year, we will need $900,000 So when you look at it that way, whether you own a property or your renting, there is no future without savings and people who think their rich because they own a house or their house has tripled in value over time are not necessarily better off. It all comes down to living within your means and a little bit of luck. That is why my weekend car is a $10k Falcon, not a $60k Falcon. I cannot justify new car prices when they are generally the fastest depreciating asset we own. Don't get me wrong, if you can afford a XR8 Sprint or a Roush Mustang, half your luck.We are all different and some have more & some have less. Now I am middle aged, I now know that inner contentment & peace is something I value over anything and having that is worth more to me than anything. There is a lot to be said for a simple uncluttered life, living to please yourself and not worrying about the Joneses. Its about what matters most to you.
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#166 | |||
T3/Sprint8
![]() Join Date: Jan 2005
Location: Australia
Posts: 16,334
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Quote:
__________________
Tickfords T3/TS50 '02 Sprint8 manual Sept 24 '16 Daily Macan GTS "Don't believe everything you read on the internet. Abraham Lincoln" |
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#167 | |||
BLUE OVAL INC.
Join Date: Feb 2006
Posts: 8,645
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If people need to make a decision between having a family and entering the property market then something is very wrong with Australia. I have been on the property ladder, got on board in 01 as a 25yo detailer on $450pw as a sole buyer whilst raising 2 kids with a stay at home partner. I did the hard yards, went without and then one day I said stuff it, I'm going without life's luxuries now in the off chance that I live long enough to enjoy it down the track. I sold up 12 years ago and am happy as a pig in ****. I grew up in a house where every dollar went into the bank, we never went on holidays and the only things I got was at birthdays and xmas. My father died with a unit he owned outright and thousands in the bank , what did going without do for him? My rent hasn't gone up in 5 years and only went up $10 then because the owners fitted the evaporative ducted A/C I asked for. I'm lucky if I see the landlord once a year as they manage it themselves to save money on agent fee's and I treat it like it is my own. Win, win. Where can you live in an as new 4bdrm, 2 bthrm, double garage for $300pw that you never have to worry about being removed from and is your's to do as you please. I've got a new boat I just bought, we both have good cars and can afford to travel around Aus watching our Daughter play sport a couple of times a year. Old mate across the road and his Wife are owners, both work,he's a car salesman, she's a nurse, cant afford to give their Daughter a sibling due to the mortgage, constantly harassed by the bank, had to sell his boat, cant afford to fix the car, never go out etc. etc. yeah sure, in 15yrs he'll be debt free but he'll have missed out on the best years of his life, not to mention what his kid is going without too. People should not have to live like this just to own a house. |
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#168 | |||
Ford screwed the Falcon
Join Date: Sep 2013
Posts: 7,057
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Quote:
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Falcon: 1960 - 2016 My cars Current ride 2016 FG X XR6 - 6 speed manual Previous rides 2009 FG XR6 - 6 speed auto 2006 BF MkII XT ESP - 6 speed auto 2003 BA XT V8 - 5 speed manual 1999 AU Forte - 5 speed manual 1997 EL Fairmont - 4 speed auto 1990 EAII Fairmont Ghia - 4 speed auto |
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#169 | |||
FF.Com.Au Hardcore
Join Date: Feb 2013
Location: Perth
Posts: 826
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Quote:
I couldn't live with that uncertainty/insecurity for my family and myself which is why I chose to buy my own place which I have total control over, with all its pros and cons. Horses for courses though. |
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#170 | ||
Kicking back
Join Date: Dec 2013
Location: Western sydney
Posts: 8,525
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Whilst the housing market is slowing, it's never going to go backwards significantly. The dumbest yet smartest thing I ever did was buy a house when I was 25. No bank would touch me because whilst both my wife and I had full time jobs and reasonable income (certainly not rich, but definitely not poor. We have never been able to claim family tax benifit b). The only way I got a loan was my home loan writer was owed a favour, and my dad owns the brokerage. Even still I had to pay an extra 12 grand for loan insurance because I was in the high risk demographic. The first 24 months was a tad rough paying the mortgage and supporting a young family, but then it got easier and easier. Now due to the property inflation I pay less per week mortgage then what the rent in the area is for a smaller place. There are run down weather board houses on 400 square blocks on main roads getting auctioned and fetching well above the reserve for well into the 900 thousand range. After associated expenses, 5 years back I spent a tad over 500 for a brick 3 bedroom with a detached granny flat on a 750 square block. I say it all the time to the young blokes I work with. I don't envy their situation. Not being rude, but there is no way they could ever break into the property market in sydney for a house on a decent block of land. Yeah a unit somewhere maybe, but you can't raise a family to the fullest living in a box. Rant over.
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#171 | |||
BLUE OVAL INC.
Join Date: Feb 2006
Posts: 8,645
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If it were to come about, the landlord has the onus to either negotiate my continued tenancy until my current lease ends, or find me alternative accommodation of similar type. The tenancy tribunal protects me from any shenanigans. Having said all that, last year a family of ice addicts aquired the house across the road, if I told you who these people are your head would spin. I immediately notified the landlord of our intention to vacate at the end of our lease as I wasn't raising my kids near that. The Landlord freaked out as they've had it so easy for so long that they didn't want to lose us, even offering us one of their other properties. If this happened to an owner occupier it would cost thousands to rectify, as a renter i'd just terminate my contract, and move on. Might cost me a few hundred, but with the glut of rental properties available, finding acceptance elsewhere is but a formality. Seems they were more reliant on me as a reliable tenant than I was on them being secure investors. Unfortunately old mate the carsalesman who's been paying his mortgage had no choice other then put up with it or spend most of what he's made in capital gains to sell up and buy elsewhere. Thankfully for both the ice addicts fell over and the house vacated soon after but the difference in attitude towards the problem between me the renter and he the owner was striking. |
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#172 | ||
Kicking back
Join Date: Dec 2013
Location: Western sydney
Posts: 8,525
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The house I rented before I bought was on a 6 month lease. After 6 months we knew to start looking, and after 18 months we finally were told plans were starting to take shape. No official notice, but we up and left. The house was vacant for atleast a year leaving the land lord void of the added income. It's the landlords mistake saying anything about the plans, otherwise the wife and I would have payed rent up untill given notice. Don't have that issue being a home owner. I can't be given notice due to others unforseen financial positions.
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#173 | |||
BLUE OVAL INC.
Join Date: Feb 2006
Posts: 8,645
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You entered a 6 month lease and got 18 months in all, the property was obviously never meant to be a permanent rental property ongoing. A landlord cant just give notice, if you have a signed lease for a set period then as a renter you are safe as...houses. The place I'm in now i've been in for 7 years, the longest i've ever occupied the same place in my life and that includes when I was a kid and the olds owned, go figure. If I was notified that I needed to leave at the end of my current lease i'd consider the time here done and move on the same as an owner chosing to sell and buy elsewhere only without the agents fee's and associated costs with the new purchase. |
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#174 | |||
Kicking back
Join Date: Dec 2013
Location: Western sydney
Posts: 8,525
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#175 | |||
FF.Com.Au Hardcore
Join Date: Feb 2013
Location: Perth
Posts: 826
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#176 | |||
FF.Com.Au Hardcore
Join Date: Oct 2010
Location: Mid North Coast
Posts: 6,442
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I don't play sports, I have a home gym and train at home it's what I prefer. I do enjoy on a day off to go for a cruise and meet up on the sea shore somewhere for a coffee, again not every day or even every week. So that's really up to what people prefer.
__________________
The Daily Driver : '98 EL Falcon, 5 Speed , 3.45 lsd The Week End Bruiser : FPV BF GT 40th Anniversary, 6 Speed Manual, 6/4 Brembo and lots of Herrod goodies Project 1 : '75 XB GS 351 Ute, Toploader, 9" with 3.5's Project 2 : '74 XB GS Big Block Coupe, Toploader, 9" with 4.11's In Storage : '74 XB GS 351 Fairmont Sedan XB Falcon Owners Group Mike's Man Cave |
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#177 | |||
BLUE OVAL INC.
Join Date: Feb 2006
Posts: 8,645
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Quote:
As a renter I'm content with my lot as I went in with my eyes open and understand the concept, that's why I make a good tenant. See when I bought all those years ago It was from family and where I had been living for the previous 12 months, so whereas many first home buyers get excited on settlement date when the turn the lock for the first time, I just went home knowing that all the things that needed attention were now my problem, I all but gutted the place to bring it up to what i'd consider worthy, working 5.5 days a week to pay for it and then all evening stripping wallpaper and sanding skirting boards to make it all worthwhile. I sold it in Dec 05 for $165k, today its worth $200k tops. Before Christmas I made enquiries about building a house on local land to the same spec as I'm renting now. I was looking at $270k, I had the deposit, picked the house and block and well within borrowing capacity, just had to sign the contracts. It would cost me around $250pw ($260k) more than I'm paying now over 20yrs and i'd pay 160k in interest, so it would need to be worth $430k to break even. Not in this neighbourhood I'm afraid, not when old mate across the road has had his for 8yrs and its only gained 20k at the last valuation. You should of heard the melt down upon that reality. The 4 bedder across the road, same specs, nicer house, was marketed earlier this year @ $299-$314k and has already been discounted to $285-$300k and still has no one at the opens. I'm down to 3 kids at home now and the next will be flying the coup soon, 18mths max, as she is currently studying to become a nurse and has plans to work OS, so when that time comes we'll downsize to a 3bdrm and save another $50pw. When the nest is empty I wouldn't mind a small transportable unit in one of those retirement villages. Last edited by BENT_8; 11-06-2017 at 09:37 PM. |
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#178 | |||
BLUE OVAL INC.
Join Date: Feb 2006
Posts: 8,645
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That's because I get it, I treat their investment with respect and honour my weekly rental agreement and they leave me the **** alone...simples! |
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#179 | |||
3..2..1..
Join Date: Nov 2009
Location: Bellbird park
Posts: 7,218
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Look after them as long as you can haha. Personally I always think if you're gonna rent then you should always try and bypass the agencies as much as possible. I've always had a better renting experience with owners rather than agencies. When we built I said I'd never rent again... Gotta love relationship bs lol. Looks like il be renting again. |
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#180 | |||
FF.Com.Au Hardcore
Join Date: Oct 2010
Location: Mid North Coast
Posts: 6,442
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Quote:
I rather pay into my own property than pay someone else's mortgage off for them..
__________________
The Daily Driver : '98 EL Falcon, 5 Speed , 3.45 lsd The Week End Bruiser : FPV BF GT 40th Anniversary, 6 Speed Manual, 6/4 Brembo and lots of Herrod goodies Project 1 : '75 XB GS 351 Ute, Toploader, 9" with 3.5's Project 2 : '74 XB GS Big Block Coupe, Toploader, 9" with 4.11's In Storage : '74 XB GS 351 Fairmont Sedan XB Falcon Owners Group Mike's Man Cave |
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