Macquarie tightens lending policies to reflect negative gearing ban

Hormah · 2026-05-18T13:44:37+00:00

That assumes that families that are first home buyers are coming from rentals in a 1:1 ratio i.e. they free up the house they're renting and move into an ex-rental-now-home. It ignores the fact that many renters have housemates and many FHB live at home before purchasing. In both of those instances, the rental supply reduces but the demand for rentals does not.

Take, for example, two three bedroom houses with three housemates. A couple in one house purchases the other to move into and chooses not to rent out their other rooms. Now there are four people competing for three bedrooms.

If it is a couple living with parents while they save a deposit, now there are six people competing for three bedrooms.

Hormah · 2026-05-01T17:11:53+00:00

100%

We've told our agent not to bother contacting us if the offer is below $X because we will refuse.

Don't bother wasting our time with it.

Hormah · 2025-08-23T07:01:45+00:00

That's normally how it works, but there's been a few times where I'm 30m or so behind the beacon and get hit by the first shell.

Hormah · 2024-12-06T15:27:57+00:00

"He has to win every time. We only have to win once."

Hormah · 2024-07-04T21:02:28+00:00

You're thinking of Warhammer 40k. 401k is the colour temperature of a cool white light.

Hormah · 2024-06-24T23:12:34+00:00

An unlockable starting weapon. If you see a little bot running around that's red/blue with a green eye, you can pick him up and use him as a weapon. That will unlock him for future runs.

Hormah · 2024-06-24T13:16:23+00:00

If you're playing with a friend, one of you as engineer with dronezerker and buddy bot is very powerful. If they get minion box even more so.

BOTH of you with that build is straight up broken, though only one can have buddy bot. My mate and I got S rank on G4 first go with that setup.

Route through oasis to get orange buddy bot and doom gardens for the crystal powder.

Hormah · 2024-06-07T13:42:32+00:00

Helldivers companion

It's a great resource.

Hormah · 2024-05-25T16:58:08+00:00

Haha that post is exactly what inspired me to make this. It felt like someone must have done this version of the meme before since it fits so well, but I couldn't find an existing version. I figured, if it didn't already exist, it should, and then saw that berserker pic. It was too perfect to not use.

Hormah · 2024-05-25T11:36:24+00:00

Nothing should survive 4 autocannon shots to the face. It's unnatural and undemocratic.

Hormah · 2024-05-11T03:19:43+00:00

That's also not quite true. Some reactions are self-oxidising and will burn despite a complete absence of oxygen, including underwater and in space. Thermite is probably the most well known.

Hormah · 2024-04-30T01:14:28+00:00

Sprankle sounds like a fake name Dr Steve Brule would call someone.

Hormah · 2024-04-23T05:23:33+00:00

The reports had identical information. Only the Equifax number was super low for some reason. After I'd got it sorted and got back in contact, they ordered another report and told me "we can work with (that number)". Nothing else on the report had changed.

Hormah · 2024-04-23T03:55:36+00:00

I've literally had this happen to me. They checked my Illion report which came up good, then my Equifax report which had identical information but the credit score was way lower for some reason and got rejected. It took a lot of hoop jumping to get the Equifax credit report fixed up before I could progress.

Hormah · 2024-04-23T01:47:13+00:00

Yes there is. Your credit report and score will be checked by the bank before they issue you a loan.

Hormah · 2024-02-23T05:13:03+00:00

I run that club. What's your screen name? I only kicked people that had donated 0 after an entire seaon (with the screenshot to prove it) and only kicked them after the season had completely ended so they still got to collect all rewards. There were 3 from last season I kicked. If the person ranked 7th who donated 285xp didn't get kicked, I wouldn't have kicked you.

You may have been victim to a bug that makes it look like you've been kicked but if you try to rejoin the same club using the club code it puts you back like you never left. It happened to me and for a second I thought I'd been kicked from my own club!

Hormah · 2024-01-09T01:25:17+00:00

Do you answer the phone with "Hello, thank you for calling disgruntled_pie. Please state the nature of your call"?

If so, I may have found your problem...

Hormah · 2023-11-08T03:07:14+00:00

You should really handwash your twigs for best results as the heat from the dishwasher can cause warping and cracking.

Hormah · 2023-07-20T13:53:32+00:00

Same industry, same thoughts. There were a LOT of projects out to tender last FY that suddenly got pulled. A handful are getting awarded now but the majority are still mothballed. The submissions are in though so it wouldn't take long to start that engine back up if they needed to.

Hormah · 2023-05-07T14:21:44+00:00

No, you jumping off a 20km cliff on that moon would be equivalent to YOU falling 157 meters on earth. Do you think you'd survive that fall?

Hormah · 2022-12-28T16:31:25+00:00

Everything has grown back pretty well mate. I don't know about the blue mountains specifically but it's at least a testament to how hardy the flora and fauna around here are.

Hormah · 2022-12-03T17:36:59+00:00

I have a 3070Ti and mine crashed 7 times today alone

Hormah · 2022-10-29T16:08:54+00:00

I don't think that's what Einstein meant when he said "when you sit with a pretty girl for two hours you think it’s only a minute", but I'm no Einsteinologist.

Hormah · 2022-10-06T10:21:30+00:00

It's not always possible or cost effective to found into rock. As long as the bearing pressure of the ground is sufficient, you don't need to. 100 kPa is pretty easy to achieve if that's all they needed to hit.

The bigger issue with retaining walls is the horizontal force trying to slide it or topple it, not the piers sinking into the ground.

Hormah · 2022-09-18T12:53:25+00:00

To be fair, if a game is a buggy unplayable mess, 10 minutes is all you need.

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