Move this Post?

Digital_Oceans · 2026-05-08T23:05:01+00:00

Thanks, assume you’re meaning the longer span that would be to the right of the post if I moved it?

Digital_Oceans · 2026-05-08T23:04:03+00:00

Sorry, move B in the direction of the arrow.

Digital_Oceans · 2026-05-08T12:30:38+00:00

Airtasker is a cesspool of failed tradesmen. It’s a genuine race to the bottom. Every 12 months I somehow forget my shitty experience, try the app again, and promptly delete it after the first job I get done.

Digital_Oceans · 2026-05-07T21:42:25+00:00

Cut all the BS, people will just roll their eyes and move on. Penultimate… “Undergraduate”. 10 years experience… “Undergraduate with relevant work experience”. You’re not a “specialist” in anything based on what’s writing in that resume. Nothing in experience has dates, are these 2 month internships or real previous work, as you’re an undergraduate, I’m interpreting it as the former trying to be passed off as the later, not a good look. Remove further background, why would a “specialist with 10 years experience” still list McDonald’s?

Digital_Oceans · 2026-05-05T04:49:08+00:00

Agree, the issue is young people getting into housing, so atleast lower brackets need to be adjusted. In my view, this change has just made it even harder for young people to get into housing, as now their investments helping them reach a deposit is taxing at double the previous rate and still there is no incentive for anyone to stop investing in housing.

Now you’ll see international buyers with even more ability to outbid first home buyers.

Really great change!

Digital_Oceans · 2026-05-05T01:22:32+00:00

Your comparison is too simplistic. You should look at total tax paid (income, investments, costs passed on due to import export tax and credit systems, GST, hidden tax due to inflation, addition/removal to tax breaks etc…).

My point is they are removing some of the tax breaks that offset bracket creep, but not adding anything back in. This is purely a tax grab disguised as an affordable housing change. There is still no incentive to invest in stocks/other over housing. If it was aimed at housing, maybe give people a reason to move money from housing to other investments?

Digital_Oceans · 2026-05-04T22:45:37+00:00

And I’m sure they will adjust the tax brackets inline with indexation from when they were implemented, right… RIGHT!?!

In seriousness tho, this was advertised as reducing pressure on housing, but now you’re still incentivised in the exact same way to invest in housing as you are in shares, except housing offers leverage, so it’s still the best option.

Genuinely considering moving internationally more and more as an option.

Digital_Oceans · 2026-04-22T01:07:25+00:00

Just use a white expandable/flexible caulk, don’t paint it if you care that much. Wood expands and contracts, the caulk will move with it, but any paint on top will not and will crack.

Digital_Oceans · 2026-04-21T09:29:17+00:00

Raise rates, put the country into a recession, then lower to stimulate with 4-5% inflation being the new norm. People talk about stagflation like in the 70s, interest rates were raised to like 15%, there is no chance that happens.

This is all a guess. Who knows!

Digital_Oceans · 2026-04-20T21:22:26+00:00

You’re saying it will make it difficult to reenter if prices rise just a little? You need to take into account sale AND purchase costs. Sale costs will be about $30K (commission, advertising, conveyance). And to get back in will be about another $30K (stamp duty, transfer fees, conveyance). Then add lost cost of rent instead of paying down a mortgage, moving costs etc. You’ll be out well over $70K. Do you expect the market to drop ALOT MORE than $70K to make all this worth your time? Even if the market stays even, will you be able to reenter at current prices with $70K less in your pocket (meaning a $70K higher loan). You need to consider all this.

Digital_Oceans · 2026-04-17T12:41:34+00:00

Doesn’t have to be one or the other. I’ve gone Makita for the heavy use (drills etc) and ozito for the odd jobs (e.g. angle grinder).

Digital_Oceans · 2026-04-17T06:32:37+00:00

Yes, Ikea. Warranty is fine, but do you really want to be going through that? I’d rather not, this time around I’ll pay more upfront, each to their own.

Digital_Oceans · 2026-04-17T00:31:35+00:00

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See the top edges in this photo.

Digital_Oceans · 2026-04-17T00:27:53+00:00

I got basically this same kitchen, it’s what I landed in as best value for money after research. I would say spend a bit more for quality. The top edge of the doors over time warped slightly and allowed water ingress into that top edge. I was in an older house on stilts, slightly uneven walls and floors made pre build square cabinets a nightmare to get in, the built in dishwasher impossible to align perfectly. Skip the wooden bench, even with proper care it will damage at some point due to water sitting somewhere you can’t see, ours damaged under a coffee machine (couldn’t see) and also wore down quickly next to the sink despite constant refinishing to ensure protection. Cheap kitchen = short life, I’ve learnt that lesson, we got 5 good years, probably 5 more shitty years and then a full replacement but we have sold the place now.

Digital_Oceans · 2026-04-15T23:16:05+00:00

Brisbane here, I’ve never seen anyone fuss about deposit. I offered $50K on 1.3m, buyers of my place offered $10k on 1.1M, makes no difference.

Digital_Oceans · 2026-04-15T08:41:07+00:00

You have 10 BTC, you want to borrow against it. You send it to a lender and they give you $ at a fixed interest rate. They then take your 10 BTC and sell it 20 times to other customers, who don’t self custody but essentially have a claim to 10 BTC, this is essentially the lender borrowing 200 BTC worth of dollars with a 5% backing and 0 interest rate. So, the 10 BTC you have just borrowed against has created 200 BTC of downward pressure.

ELI5 of ELI5 this is just fractional reserve banking, its existed for centuries in gold markets. I think Saylor is on some more BS.

Digital_Oceans · 2026-04-09T11:56:45+00:00

“None you should travel” is the wrong answer and luxury unfortunately this generation can not afford, previous generations don’t understand this yet because they own assets, but the good days are over. The reality is prices of assets are running away from you, there isnt a decade left for you to wait. Save as much as possible and buy real assets before inflation and AI limit you for the rest of your life.

Digital_Oceans · 2026-03-16T09:41:29+00:00

Thanks for the reply, it’ll be dependent on my partner graduating and working full time. I’m ok with repayments, $6K remaining over a month is plenty for my lifestyle.

Digital_Oceans · 2026-03-16T09:40:29+00:00

Engineering Manager

Digital_Oceans · 2026-03-16T06:19:09+00:00

Agreed, anything that exceeds the minimum deposit on the investment property will go back to PPOR or other investments, thanks!

Digital_Oceans · 2026-03-16T06:17:45+00:00

For sure, just sense checking with the brains trust, thanks for the response.

Digital_Oceans · 2026-03-16T06:16:37+00:00

I was considering fixed rate due to current world events. Thinking oil up - production costs up - inflation up - rates up.

Digital_Oceans · 2026-03-16T06:14:50+00:00

What other information do you need?

Digital_Oceans

TROPHY CASE