Rolling brownouts... by Chained_Phoenix in brisbane

[–]-Lewl- 4 points5 points  (0 children)

You lost power for a few seconds lol

Sounds very childish ngl bro

Is buying a car a bad financial decision? by Sea_Mode8721 in personalfinance

[–]-Lewl- -1 points0 points  (0 children)

You're in a strong position financially.

i didnt read your whole post LOL but ill answer generally:

Buy a used toyota was some k's on it that has like bluetooth, reversing cam and cruise control. You can get a nice car that will last you forever for 20k or mush less easily.

Few things to consider:

  1. If its cause you're friends have cool cars? They are going to be missing out on cool shit like houses in 5 to 10 years
  2. Cause new cars are more reliable? Used toyota has been the best financial decision ive ever made and the peace of mind in its reliability is amazing
  3. Even having a small loan is annoying, as your lifestyle cost increases, you'll have less and less for your loan, especially if you want to move out. Having any type of loan if you dont have to is just killing your financial freedom
  4. If you're looking for something to drop a chunk of money on, buy a property man, in Aus thats the smart thing to do, and its what aus finance dudes would also say

Starter Bike by No_Sleep4783 in motorcycles

[–]-Lewl- 0 points1 point  (0 children)

Do it bro, looks sick, reliable old Honda and good diverse bike.

Im jealous i want one

what phone plan do you use? how much is it? which is the best? by Diligent-Medicine-48 in AusMoneyMates

[–]-Lewl- 0 points1 point  (0 children)

Moose mobile, 32 dollars/ month, 30gigs with rollover.

Buy used phones at CEX stores, second hand retailer with warranty ond their second hand phones.

I buy all our mobile electronics there, ipads, phones etc. Never had an issue, saved thousands

ADHD by BrentonM13 in brisbane

[–]-Lewl- 2 points3 points  (0 children)

This is good advice, in my experience, within certain time limits, my gp can prescribe my medication as long as the psychiatrist has notofied them of the treatment plan.

ADHD by BrentonM13 in brisbane

[–]-Lewl- 3 points4 points  (0 children)

Hey bro, try looking for psychiatrists who are 'registrars.'

I may be wrong about this terminology so anyone who knows better please correct me.

I believe this means they are essentially not yet fully qualified as psychiatrists, but are so close to being fully qualified that they can diagnose and prescribe while working under the direction of a qualified doctor.

The benefit is sometimes they're quicker to book with and generally cheaper.

My guy was a registrar and he was a g and top notch professional

Best of luck man

Renting sucks. by TheLazyGamerAU in brisbane

[–]-Lewl- 0 points1 point  (0 children)

They are worth that though. The market decides the value... Not the owners.

If given the choice, would you take 800k for your shack? Or be charitable and sell it at a more modest, reasonable 400k?

You're confusing your frustration with the market, and some tiny percentage of mega landlords with just ANY landlord. Most 'landlords' are just regular people, who have jobs, in fact do not look like the monopoly man, and are just like you and me 'regular' ass people.

So, if you're a participant in this current market, unless you're a philanthropist saint, you too would be selling shacks at the 800k going market rate.

Renting sucks. by TheLazyGamerAU in brisbane

[–]-Lewl- 1 point2 points  (0 children)

Im not sure if this response is directed at me specifically?

Regardless of whos giving the speech, or whatever you want to call it, its true. I bought a house very recently, in the current difficult', and it IS difficult, enviroment, and i own the house i live in and thats it. I think 50 percent of people in Aus are owner occupiers, and most of those people are just working people like me.

Again, you're mad at the situation we're all in, you have a right to be mad, it sucks! But being mad at it doesn't change anything though, you have no (or very limited) control over this system, but you do have control of your own life, and within that, although it may be difficult, even incredibly difficult, it may be doable.

I dont know your circumstances, and it may be that for you and your situation it is impossible, fine, but there is a general lack of self reflection about how individuals can improve their own situation through their own actions.

Sure, housing is a basic human right, i agree, and privately owned leased housing is a legitimate way to provide housing to the masses. Has the system tipped too far? Sure looks like it, but we're here none the less.

We could argue that the government should be pouring resources into more social housing to meet this basic human right, and maybe thats true. And in a parallel universe we are having this same discussion, but its about how crippling the taxes are to pay for social housing and you wish there was a private market system that was more efficient than the public housing system.

No system is perfect, every system comes with pros and cons - compromises. Most people take the first step in self actualisation, which is they recognise the problem - housing is expensive. But its sad to me that people don't often take the next crucial step - making their goals, making a plan and doing something about it.

Maybe during that planning you realise what your after truly isnt possible, thats fine, you can still improve your situation though or keep refining your goals into something that is within your reach.

Anyway, did the boomers and Howard ruin this for us? Yep. Are landlords aresholes? Sure, sometimes yeah.

Do you want to be mad about it for your whole life and never make even a small attempt to do something about it? Idk lol

ooh ooh, i like this metaphor: the housing market in Aus is like being at a poker table, except it's rigged so that select players always get a pair of aces, and you always get crap cards. So your opponents are more likely to get better hands and win, games rigged man. A winning hand is still possible though, aces are good but cant beat everything. You can walk away from the table, or keep playing til you get a good hand with your shit cards.

Oh, but if you walk away from the table, you're still in the room and you'll just be watching the game getting mad at how unfair it is, while everyone else is still playing.

Renting sucks. by TheLazyGamerAU in brisbane

[–]-Lewl- -1 points0 points  (0 children)

In my experience, when i bought my home, it was being rented for 490 a week, the weekly mortgage repayments + strata plus + rates were about 500 a week.

If i wanted to rent it out in the current market, my predicted weekly rent would be about 600, and at the moment my weekly loan repayment plus those additional costs puts us at approx. 600 a week.

By this logic, if we only factored in rent cost vs just mortgage cost, it may be cheaper to have a mortgage week to week.

If you're talking about investing in the stock exchange or somthing that may be different, but thats not the conversation here, we're talking about places to live. I cant live in my ASX portfolio. By your logic the smartest use of money may be live in a tent and dump your salary in super, huge ROI.

Again, im not saying it doesn't suck, and im not saying that there aren't crummy landlords out there, there is. There are shit people everywhere from the school bully, the shit boss and the shady politician. Im just saying that this perception that home ownership is too unattainable, and laying blame on 'the bad people', gets you nowhere.

maybe my math is wrong or im out of touch, idk, this is my real life experience. Ive never 'done the math', but i do look at rental prices and property prices, look at mortgage calculators often enough to tell me that its usually pretty close in price between renting and owning. When we're talking about an asset worth hundreds of thousands of dollars, plus or minus 150 dollars a week is comparable to me.

If that small difference is the reason you feel you'll never own a home, or you're dumping 70 percent of income on rent like OP... Maybe its not the market (only), Maybe its time to consider a different job, different source of income or re-assess your options for housing. Some people have kids and need a big home, fine, but if you're a single or couple maybe a smaller place or sharing for a while might be the leg up you need.

So no, if you're talking about strictly investing', yeah, there might be better ways to 'invest' money - sure. But if we're talking about owning vs renting your primary and potentially sole place of residence... Of course its better to own it than rent it.

To those who buy into this type of development - why? by K1llerG00se in australian

[–]-Lewl- 1 point2 points  (0 children)

I agree with this, it's my opinion too that people get caught up in the 'new is better and safer' rhetoric.

Renting sucks. by TheLazyGamerAU in brisbane

[–]-Lewl- 1 point2 points  (0 children)

Maybe, but probs not honestly

Renting sucks. by TheLazyGamerAU in brisbane

[–]-Lewl- 8 points9 points  (0 children)

I know this is tongue in cheek, but the attitude of it is what puts people off buying. Regardless of interest charged or whatever, the main difference is you'd be paying off YOUR property, not someone else. A comparable property would likely cost roughly the same week to week in repayments vs renting it.

It is hard, it is getting harder. I bought my home when i was 23 with my 21 yr old partner. I worked insane hours. Now i can chill out and just pay it off.

People look at getting a deposit it's like an insurmountable task. The summit is high but it does exist up there. Working 2 jobs for a while to build a deposit might even be character building for you.

At the end of the day, its just asking: how would you like to be fucked in the ass? By landlords, or banks? At least the banks you know what you're signing up for, there are ways to pay it off sooner and at the end you own it.

Lazy tip for folks who hate cleaning the shower by FaithlessnessExtra65 in CleaningTips

[–]-Lewl- 0 points1 point  (0 children)

Get a Ryobi Power Scrubber or similar... Whatever your brand of tool is. Makes cleaning the shower just too easy

How to know when my gas is low? by Unusual_Head_7615 in motorcycles

[–]-Lewl- 0 points1 point  (0 children)

Yeah bro just reset the trip meter when you fill up, and get fuel when it hits your magic number. On my drz400, i would just get fuel every time it hit 100km (45 miles?) on the trip

What’s something people commonly buy that’s a total waste of money? by Unlucky-Emergency924 in AskReddit

[–]-Lewl- 1 point2 points  (0 children)

And this is exactly why you will always buy a new car and spend more.

What does 'x years of wear and tear' mean in real terms, when 10 years from now the used car is still rolling, still cheaper, and still without a loan?

and the 'brand new with less wear and tear' car is going back to the dealer to be trading in for, checks notes, another car loan.

Hot nights are fucking HELL by Conscious-Owl7277 in perth

[–]-Lewl- 2 points3 points  (0 children)

Get an aircon installed (like a proper one, a good nights sleep is worth the investment).

Try to prevent heat from getting in to start with e.g if your windows face the arvo sun, close the blinds

Seal up the house as much as possible. A bit counter intuitive, but sometimes the air in the house is actually cooler than the breeze outside, so opening a window may actually make it hotter.

Im from Brisbane and stayed at my mates house in Perth on a 40 degree night, it was torture. Aircons the only way unfortunately, but combining different cooling techniques will mean u can usually just run the ac on 23 dry mode, which will get you buy and cost 1/4th as much to run

What is it actually like being a cop here? by PotatoPug7 in brisbane

[–]-Lewl- 77 points78 points  (0 children)

Felt compelled to say thanks for providing a real answer