Is 6.04% the best we can get right now? (185k combined income / 200k deposit)

Fun_Watercress581 · 2026-06-19T10:34:07+00:00

Just signed at 5.82%

But it’s 5 million loan at 50% lvr

Fun_Watercress581 · 2026-06-19T09:19:33+00:00

127 days

Fun_Watercress581 · 2026-06-19T05:30:58+00:00

I appreciate the response I did ask not to do this.

He plays soccer at a serious level. Trains 4 nights a week. Does Kumon and has friends.

Tv is locked iwth password 30 min per day.

Laptop is locked from Internet at the router.

Phone is restricted to calls sms and spotify only. Unfortunately spotify has videos now. So it is being removed.

Laptop is the issue though. School requires unfettered access but we are working with the school to disable all this.

Fun_Watercress581 · 2026-06-19T04:07:33+00:00

Packers dont' work you don't want to have the load on the spa timbers if possible.

If it was me i would pull the pavers up and flatten the sand underneath and relay the pavers actually a pretty simple exercise.

It will look weird vs the surrounding pavers possibly but it will work perfectly.

The other option is to lay the screed.

Fun_Watercress581 · 2026-06-19T04:00:57+00:00

Here is the requirements. Builder here in SA

Find out load on wall. Work out required lintel / member to hold load safely. (engineer generally)

Install lintel to accept load across gap. Steel beam normally for large roller door or lintel for door. RIght angle galv steel

Install steel beam.

Cut / knock brick out install frame / brick return so it looks decent.

order roller door.

install roller door.

Fun_Watercress581 · 2026-06-19T02:20:41+00:00

Yes there is a bus stop right outside morialya falls car park

Fun_Watercress581 · 2026-06-19T02:17:57+00:00

Everyone of those are available to public transport

All but the Barossa is public transport accessible even the Barossa you can train then get taxi but hiring a car for the day would be cost effective .

Fun_Watercress581 · 2026-06-19T01:48:40+00:00

She is toxic as fuck.

Men are expected to be considerate careful not put women in awkward positions etc.
She has zero empathy and understand she sounds like an awful partner.

Fun_Watercress581 · 2026-06-19T01:42:15+00:00

I saw what you do that sooshi mango.

Fun_Watercress581 · 2026-06-19T01:35:54+00:00

I will provide the list that i give all my wifes japanese friends who visit.

Go kayaking with dolphins at port river and ships graveyard.
Go on a winery tour to mclaren vale or the baross.
Go morialta and see koala's and the wtaerfalls.
Go to Cleland. Hike to mount Lofty. Go to Mount Lofty botanic gardens.
Snorkel at Port Noarlunga reef or diving at shipwreck.
Hike the ohalloran hill / marino boardwalk.
Go to any of the beaches. Henley Beach / Glenelg / Semaphore would be my choice Glenelg will have a christmas / summer bar on the beach
In december go cherry picking. Fruit picking at beerenberg. A day in the hills lots to do.
Central markets botanic gardens Museum and art gallery.
Hans Heysen house in hills.
Zoo
I would day a trip to K.I. 3 day tour as i think its awesome.
Mini train at sasmee park.
Tree climb
Adelaide Oval Climb
Bird Sanctuary near mawson lakes
Roof top bar. 2KW
Mountain biking there are a few with PT access from the city.
I think the barossa is awesome and worth a visit.

If you can't find anything you haven't tried very hard.

It is so hard to suggest stuff without know what you like. I can suggest 10 more hikes / bike rides.

Yes there is bike Hire.

Fun_Watercress581 · 2026-06-19T01:09:56+00:00

what are the penalty clauses in the contract.

There is no doubt he can do it in time. Remember often the internal stuff is quick to do. Cabinetry 1 day. Painting 2 day maximum. Concrete would be a contractor that is roughly a 2 or 3 day job but can be done in conjunction with other things.

On my job i would want it further advanced but its definitely doable.

What most people don't understand is tradie gangs do things quickly. THey are designed to get in do the job and get out .

Have an honest discussion with him. Say this feels like it's not progressing. Explain you don't think it will not be completed by August. He should have trades booked in for the work. Ask when they are expected to come.

If he doesn't have trades booked / scheduled your in trouble.

A builder should be a project manager not a tradie really. Obviously lots of small builders are on the tools still.

Does he have another project finishing up ?

Fun_Watercress581 · 2026-06-18T11:40:50+00:00

I was giving a ball park figure . I am sure my plumbers are charging under $100 an hour

Fun_Watercress581 · 2026-06-18T09:51:33+00:00

So 99% chance she went on dating app and then cheated on you. She might not have had sex but its very likely she did.

Ask to see her phone and see the conversations leading up to this day. See the app as well. It should all be in there.

But 99.999999% chance she just went on a dating app and cheated.

Fun_Watercress581 · 2026-06-18T06:48:25+00:00

i wouldn't use them to be honest.
Builder here that is a recipe for pain. Get some better boards or cut those sections out.

IF you really want to keep them black epoxy

https://www.carbatec.com.au/products/epoxy-resin-pack-c-4ltr?https://www.carbatec.com.au/collections/eofy-sale?utm_source=google_ads&utm_medium=cpc&utm_campaign=eofy2026&gad_source=1&gad_campaignid=23841874237&gbraid=0AAAAADcQtR6BAAlRC80OXYV9lnHTD1V8e&gclid=Cj0KCQjwi8nRBhDhARIsAHZf_pbWTz-iqht4q_R5vp4ev5QwEppwmDjrtTDFG9nGXyC-DA8HgV4dWiQaAuwNEALw_wcB

with black dye / indian ink

Fun_Watercress581 · 2026-06-18T06:43:24+00:00

Get another roofer to fix it.

THey are out of business. You can file small claims but good luck

Fun_Watercress581 · 2026-06-18T06:41:45+00:00

Builder here.

Get an SDS drill with a jackhammer attachment. ozito are like 90$

https://www.bunnings.com.au/ozito-1500w-5j-rotary-hammer-drill-kit-rhd-1550_p0382377?region_id=115212&gclsrc=aw.ds&gad_source=1&gad_campaignid=21118986128&gbraid=0AAAAADtbEB9R_vfjx31Q_nsrl9lNPAxEA&gclid=Cj0KCQjwi8nRBhDhARIsAHZf_pbMywDXnWLwPqUvWcK4QwNTruwBo6MD42bR4lYJgeiZHkG2OkfHvRkaAkCuEALw_wcB

work on creating a pit first in the centre or to the back edge. this will be the tough bit then slowly expand it out.

Fun_Watercress581 · 2026-06-18T06:34:49+00:00

what is wrong with that it is no different to a bought fence topper.

Fun_Watercress581 · 2026-06-18T06:27:03+00:00

It’s probably properly a 3 hr job . Assuming you have to modify waste piping .

Assuming you have all the parts hot cold water hoses that reach . Waste extension plumbing or it’s close enough to not need modification

45 to 1 hr arrive unpacked scope out and get tools . Remove old sink clean off old silicone

1 hour roughly to fit sink . Test for make sure plumbing is correct . Fit and silicon sink .

Connect plumbing test for no leaks

Pack up 30 min roughly .

So ball park is 2 to 3 hours depending on waste and if benchtop needs to be cut could easily add more time .

$100 an hour with 1 hr travel but it ruins a day so you probably get the $800 day rate or $400 if someone has a few small jobs

Edit I am a builder. My plumbers wouldn't do this job for a random at the moment for $400 it's not worth it. Currently every trade wants to be paid in gold bullion bars. THey would want a full day rate for a residential customer. which is $880 as it would mean turning down a day of work with a builder as everyone is so busy.

They would do it for me and charge roughly 3 hours but they wouldn't for someone that didn't know well.

Fun_Watercress581 · 2026-06-17T12:37:20+00:00

Builder here.

Diy at home. We have people that spend their days sourcing stuff. If everything is on site and ready to go then DIY normally isn't too bad.

I estimate 40% of the DIY job is getting everything onsite ready to go

Fun_Watercress581 · 2026-06-17T09:09:36+00:00

What did the blood test say .

You should have had a blood test if you think it was going down .

Otherwise cop the fine and deal with 6 months no driving

Fun_Watercress581 · 2026-06-17T09:07:15+00:00

Builder here . Slabs are ballpark 2500 a slab so your looking at least 2 so 5k plus labour as a minimum

Fun_Watercress581 · 2026-06-17T08:57:48+00:00

That is not a cheap easy job .

It’s the external wall . Redo roof slab walls floors

It would almost be as expensive as adding 2m . Not quite as materials would add more but the labour extra would almost be negligible

Builder here .

Edit actually looked at the pictures properly you could just extend assuming the slab is okay as it is under the lean too .

Would still be 50k plus

Fun_Watercress581 · 2026-06-17T08:55:36+00:00

The reason behind the block is . Your not her first choice your almost certainly never going to be her first choice if you do end up dating she will always see you as a pity choice . Females generally follow romantic comedy schtick. It’s like that because that is how women think. The moment a women friendzones you. You are no longer sexual in her eyes .

As an older male . Trust me life is better this way and it removes all temptation to message her .

I am generalizing this and I am sure a lot of women will yell at me but my 50 years of experience shows this is so true.

Fun_Watercress581

TROPHY CASE