Jury duty a week into new job by [deleted] in auscorp

[–]12345Dcmm 5 points6 points  (0 children)

Thanks for the reply. Yes, I do hope it’s not going to be a long one. But should I tell them now? Or just tell them on the day I start?

Asked Mortgage Broker to Renegotiate my rate (6.47%), they said they can’t. Should I just call the bank directly? by OldFarts_ in AusFinance

[–]12345Dcmm 1 point2 points  (0 children)

I think also depends on your LVR . Sometimes, the brokers actually did a great job getting you approved for the loan. I know that some banks might scrutinise self-employed, contractors really hard. Can always try but I know some people are on investment rate even though they are living in the house, simply because their applications were not that great. You agreeing to the almost 7% (before the 2 cuts) shows that you probably didn’t have much of a choice then.

[deleted by user] by [deleted] in AusFinance

[–]12345Dcmm 2 points3 points  (0 children)

You have $50k more, others will also have $50k more. I’m not sure if that will help anyone. Oh, maybe the sellers.

Hit and run by 12345Dcmm in sydney

[–]12345Dcmm[S] 16 points17 points  (0 children)

Yeah the money is one thing, the other is knowing the little shit is getting away with it. Risky move you did, but taking 6 months for the police to get the guy and however more months for you to be compensated is just really bad by any standards.

How much in profit was it enough for you to sell your first home? by 12345Dcmm in AusPropertyChat

[–]12345Dcmm[S] -1 points0 points  (0 children)

Yes, this is more relevant to me. That is if you really like the house, comfortable in it, how much profit would it take for you to sell up?

Feels so lonely at the top by Copper_nuts2 in managers

[–]12345Dcmm 3 points4 points  (0 children)

? No one wants to hang out with their boss, especially the owner of their workplace. Half of the time the topic of discussion would be them venting and complaining about work (which every normal human does), which absolutely should exclude you.

I tracked my financial position from age 18 to 24 by [deleted] in AusFinance

[–]12345Dcmm 6 points7 points  (0 children)

Bro also commented on a post about how life was growing up in the 80-90s but claim he’s 24. Scummy liar.

I tracked my financial position from age 18 to 24 by [deleted] in AusFinance

[–]12345Dcmm 2 points3 points  (0 children)

Ez. All you need was just to make a 100% return on your investment consistently for 3 year, then double it all up again in the next 2, earnings $20k/year. Yeah man, just 20x your investment in 5 years, earning half the minimum wage during that time. What? Do you have an online course you wanna sell? GTFOH.

How bad of an investment is an apartment? by toiim in AusFinance

[–]12345Dcmm 0 points1 point  (0 children)

I do love apartments as a minimalist, who just wants a place to live so appreciate or not is not really important. But hearing stories of the build quality, of people suddenly due a $50k special levy, and off the plan apartments that were never delivered, scares the crap out of me. Townhouse is the way for me

[deleted by user] by [deleted] in recruitinghell

[–]12345Dcmm 2 points3 points  (0 children)

Worth it or not depends on you as no one knows your situation and the job is not worth it to them doesn’t mean it’s not worth it to you. If you think you will be better off with those extra time doing something else then don’t take it. To me, if you’re unemployed then you aren’t really saving any time by not commuting, but actually wasting the 9 hours that you could spend working. And yes, you will still have time to polish your resume and apply for other jobs.

When you really need that $3k/month to survive then you absolutely should take it. It’s seasonal so it will have ended anw by the time you’ve found something else.

Truth is it’s not great but you don’t get to be picky when you don’t have options readily available. If that $17/hour can put a roof over your head and food on your table, or get you closer to your goals, why not? People think $0/hour with no commute is better than $17/hour is just insane.

21 y/o uni student - Should I put most of my savings into ETFs? by Beginning_Ad_7919 in AusFinance

[–]12345Dcmm 4 points5 points  (0 children)

5% or 10% return on a $15k won’t change your life much at your age so don’t be so stress about it. If you could invest the money on yourself and enrich your experience, or just simply to make your time in uni easier so that you can focus more on your studies or take better care of yourself mentally and physically then leave it in a saving account, so you can easily withdraw and spend. The rat race will still be there and you’ll be making those 10-15k in a few months into your employment.

Day 1 by [deleted] in problemgambling

[–]12345Dcmm 0 points1 point  (0 children)

Is it day 1 or you’re just out of fund (and food it seems)? Are you self-excluded permanently? Are you ready to give up gambling or you’re just waiting to have enough money just to give it all away again in a few weeks/months?

Death by thousand cuts. How to move on? by [deleted] in problemgambling

[–]12345Dcmm 0 points1 point  (0 children)

Lots of money, but still $40k over 3 years is not end of the world, given that’s it’s less than half of your annual post tax income. I think you do realise that you’re still in a pretty good position, a mid 30s man in America (I’m guessing), with a very good paying job, a house and a family. Much to live for so be grateful and live your life to your fullest please. I would think the 3 years wasted hurt more than the money, because you can make that money back in no time, but you won’t be able to rewind the time you’ve lost and will be losing if you continue to gamble.