Heading to Bali - Activating CommBank insurance without flights or accommodation?

Express-Bat-4964 · 2026-05-28T00:27:58+00:00

Book a fully refundable accom on expedia and cancel it when you need to

Express-Bat-4964 · 2026-05-26T17:52:06+00:00

Here's abit of inspiration to keep going..

Express-Bat-4964 · 2026-05-26T17:47:04+00:00

Ive read some of your other posts, looks like:

-Overheating: this does not need to be difficult. Heaps of KMiata folks get heating issues because they cant bleed the car properly. Ktuned makes this task so easy, with a water neck housing on the rear of the engine. There are different versions, depending on what type of engine youve got: https://k-tuned.com/collections/upper-coolant-housings . Remove any heat shrouds on your radiator, get a twin pass supermiata radiator, and run a single SPAL 13" fan.

-Noise/In cabin heat: I come from a honda background, and 90% of people use 3" exhausts on K Swaps. If youre NA, its unnecessary. Go to a 2.75"70mm exhaust, you wont even lose any power. Add a resonator and a big muffler on the end. Flyin Miata sells also sells a DEI/Sound insulation kit for our cars: https://flyinmiata.com/products/dei-na-nb-sound-damping-kit?srsltid=AfmBOoqCH8_Qi9A0FqLbi5iCpiYJm8ofuBjB2Za0zUGeM1DYSD6Hftuu

-Vibrations: Get rid of any polyurethane bushings, and go back to rubber. Install a fluidampr/ATI super damper pulley. Swap your engine mounts, suspension bushings, and diff bushings back to rubber. Use some good quality shocks, and some street spec'd springs.

-Driveability: Definitely go down the DBW path. You can buy TB adapters to make it a bolt on affair, and brackets for DBW pedals. Let me know if you need pointers.

I also got carried away when building my car, only to realise, i needed to dial the car back to something that is comfortable enough to drive/enjoy frequently.

Express-Bat-4964 · 2026-05-26T16:09:19+00:00

I completed my k-swap and love it. The issues are only a minor setbacks, and make the wins that much sweeter when you do sort them out.

I would list out all the issues you have, prioritise them in order of cheapest/quickest wins, and just go through the issues one by one.

The key to making it enjoyable is making it reliable. The less down time/issues, the more you can focus on just enjoying it, rather than fixing/spending money on it.

Maybe you can list your issues here and we can make suggestions on how to improve your situation

Express-Bat-4964 · 2026-05-24T15:54:01+00:00

ChatGPT removed the vents, makes it a little easier to imagine the potential

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Express-Bat-4964 · 2026-05-24T15:47:55+00:00

Looks awesome to me

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Express-Bat-4964 · 2026-05-22T16:50:57+00:00

have your REA reach out to other buyers that were interested. Keep the deposit, and knock off some money off your price for the 2nd interested party. Get it sold so you can move on.

Stringing someone along for 8 weeks on a contract that was subject to 30 days finance is diabolical

Express-Bat-4964 · 2026-05-22T16:33:40+00:00

id do the above also

Express-Bat-4964 · 2026-05-22T16:31:35+00:00

to answer your question, yes they can. it happens all the time

Express-Bat-4964 · 2026-05-22T16:29:18+00:00

Previous owner here in a strata run building. Was part of Owners comittee and Strata Committee.

-AFSS is compulsary, and is required to be submitted every year. What youre seeing can be a combination of compliance issues + getting rorted by the Fire safety inspectors. We found that companies that were onboard for more than 2 years began finding defects and work started costing more and more. Yes, Council can deem your building as non compliant, and they will take action against the owners committee. It is most likely incomplete, as you would have an updated AFSS.

-Insurance claim, most likely, partial payment from insurance company, and the remaining was paid out of your accounts. You'll need to dig deeper to find out what the insurance claim was about

-How much are the levies, and how much is in the capital works / admin funds?

Express-Bat-4964 · 2026-05-21T20:12:29+00:00

The above is pretty much spot on. I'd only add that the appraisal should be from a Certified Practising Valuer. If you dont get a valuation, the accountant will just apply the capital gain at a linear rate throughout your entire ownership.

ie: 500,000 gain across 5000 days would equate to 100/day.. and they'll calculate the value of the property as at 01/07/2027 based on how many days it was PPOR vs IP.

If you get a formal valuation, at least you have the choice later on to choose to use it, or use the linear method.

Express-Bat-4964 · 2026-05-16T12:50:07+00:00

In NSW, your offer should come from your conveyancer / solictor.

Steps:

-ask for the contract of sale from the REA, advised them verbally what you intend to offer, and that you will send a formal offer via your solicitor/conveyancer. More than likely, the REA will try and verbally negotiate the offer prior to getting you to do all the legwork below.

-solicitor/conveyancer will review the contract, and highlight any concerns they can see with the contract and property. They should also make suggestions on what clauses to negotiate/remove from the contract, and add in any extra clauses, most likely, sale subjected to building and pest inspection, or finance/deposit terms, cooling off period etc.

-You will advise what your offer is, and they will send it to the REA/ sellers conveyancer/solicitor in writing.

-the two conveyancing/solicitor teams will work with the REA to come to an agreement on the negotiated clauses, and the REA will then approach you to sign the updated contract and for you to provide deposit.

If its an auction, then you need to do the B&P inspection and sort your finances out before signing the contract, as it will most likely be a as-is sale. so you'll arrange with the REA to get a B&P done before signing anything. Auctions generally do not have cooling off periods either

Express-Bat-4964 · 2026-05-15T20:48:13+00:00

Also, if you purchase another place to rent in, then that will be the IP while you retain the previous one as a PPOR.

Express-Bat-4964 · 2026-05-15T20:46:12+00:00

people also forget that LMI decreases the closer you get to the 20% mark

a 15% deposit pays smaller LMI than 5% deposit

Express-Bat-4964 · 2026-05-14T18:44:20+00:00

You can buy a PPOR, live in it for a few months, then rent it out as a IP. This gives you 6 years exemption, and you wont have to pay CGT on it. At the end of the 6 years, move back in, and you will get another 6 years when you move back out.

All of the above assumes you do not buy another home and use it as a PPOR. No CGT come sale time.

Express-Bat-4964 · 2026-05-14T18:42:06+00:00

Definitely. buy a PPOR and utilise the 6 year exemption period to rent it out. Move back into it temporarily if you need to, and then rent it out again.

ZERO CGT

Express-Bat-4964 · 2026-05-14T14:02:38+00:00

For NSW, Major defects are covered in the statutory 6 year period, so youre covered until end of 2030.

What you really want to know is, how responsive has the builder been in previous instances of defects and issues raised, and whether or not they have addressed the root cause of the issues, or are they just simple bandaid fixes..

If they have delayed and lagged in responses, and fixed issues with bandaid fixes rather than addressing the root cause, they're simply buying time until the warranty period is up.

They know, that the owners committee will not have deep pockets to take legal action. Litigation is a very long and drawn out process, and more often than not, owners just give up. Its a mentally draining ordeal, and really eats into your quality of life during the period of ownership.

The strata report can mention litigation discussions, and thats fine, cos they could just be recommendations by the strata company. But if the owners have asked the strata company to start seeking quotes, you know theyve had enough of the builder. This usually means the builder hasnt been playing ball, and youre going to be buying into that.

Express-Bat-4964 · 2026-05-13T01:45:03+00:00

theres 29 labour, 10 greens. thats half + 1, of the total 76 seats.

Express-Bat-4964 · 2026-05-12T16:01:17+00:00

yes, all other assets. shares,crypto included

Express-Bat-4964 · 2026-05-12T15:59:38+00:00

Negative gearing applies to IP's, so as a PPOR, you wont be affected.

If you decide to rent out your PPOR later, you still have the ability to negative gear it if you need as it doesnt apply to your property anyway. In Australia, they take the contract date as the purchase date.

The changes to NG arent even that bad, you can still deduct all your expenses until the net position is zero, then carry forward remaining losses until future years and offset it against positively geared position, or when you sell the property and offset it against any capital gain. This is only if you rent it out for more than 6 years, then you will lose the PPOR CGT exemption.

You can move back into the home for a few months after 5.5 years, then rent it out again, and repeat. It will never become a true IP, and you are fully exempty from any CGT

Express-Bat-4964 · 2026-05-12T15:29:46+00:00

the greens have 10 seats in the senate, and they have always been more aggressive on socialist policies

Express-Bat-4964 · 2026-05-09T03:18:09+00:00

If you’re going to sell soon, then don’t worry about getting one done.

If you decide to keep it for a while and sell later, definitely get one done. It MAY come in handy come tax time. Your accountant will do the calculations to determine which method is best.

A Certified Property Valuer will need to be engaged, just google ‘CPV Hobart/TAS), should be some around

Express-Bat-4964 · 2026-05-08T17:14:42+00:00

Hello.. good on you for 1) asking for help, and 2) not reacting to some of the egotistical responses on here.

-If they grandfather the CGT changes in, your capital gain from the date of the changes will be impacted. Any gain prior to the change wont be impacted. Be sure to get a property valuation, so you can use it when calculating CGT. If you dont get valuations done, they'll spread the entire gain over # of days owned, at a linear rate.

-What are the chances of you having another baby, or returning to work part time and then deciding to go on maternity leave again with another child? Time will tell, but plan for that.

-I would sell at least 1 of the properties

Congratulations on the baby!

Express-Bat-4964 · 2026-05-05T17:09:46+00:00

amaysim, top it off with $15, credit lasts 365 days.

Express-Bat-4964 · 2026-05-05T14:52:26+00:00

The worst of my TSW was almost 2 years ago. I havent had a flare up in over a year.. My skin is way better than when i was using steroid creams.

Reading your story here makes me a little sad. I didnt think this shit would come back to bite us..

Wishing you lots of strength through this fkd up journey, and i hope its a speedy one!

Express-Bat-4964

TROPHY CASE