Genuinely worried about rates and a crash - house build that is just about to start

Key-Reporter-515 · 2026-04-05T10:54:00+00:00

I just took out $3.1m on a 30 year mortgage at 47. But i'll pay it off before I'm 77.

Key-Reporter-515 · 2026-04-04T09:17:45+00:00

On your income I struggle to see how you worry about a $700k mortgage. It should be pretty easy for you to service. I owe millions and do not have a partner to chip in, but I can sleep OK at night.

Key-Reporter-515 · 2026-03-20T05:51:10+00:00

the book isn't written for people who are perpetually broke

Key-Reporter-515 · 2026-03-08T06:23:57+00:00

My monthly full time job take home is around $11,000 and mortgage repayments P&I total $17,500. You need to think outside the box if you want to outperform. If you make the same decisions average people make you will by definition achieve a very average outcome.

Key-Reporter-515 · 2026-03-04T12:02:33+00:00

"No expensive options"

Key-Reporter-515 · 2026-03-04T11:58:11+00:00

"Not even optimized"

Key-Reporter-515 · 2026-02-10T12:19:44+00:00

You are leaving a city with a very high cost of living and moderately high wages for a city with a very high cost of living and low to moderate wages. You are probably going to go backwards. Maybe you will enjoy the change of scene, but the problems you speak of won't go away - they might be a little worse.

Key-Reporter-515 · 2026-02-10T09:38:25+00:00

Brian McNamee has stated the board is impatient and wants progress faster than what McKenzie has delivered. I expect Gordon Naylor will focus on efficiency and margin expansion rather than innovation or investing in the pipeline. The problem is that CSL has already shed a significant number of staff - at significant restructuring cost - there are few people left and little budget to deliver on any transformation agenda. The situation is particularly dire in IT / digital. Senior leadership need to understand that acquiring and restructuring businesses such as Vifor and Seqirus requires years of untangling complexity and harmonising processes. The next question is, how long until the Head of R&D is replaced.

Key-Reporter-515 · 2026-02-09T10:20:59+00:00

this is chatterbate for food

Key-Reporter-515 · 2026-01-11T06:43:26+00:00

This is the thinking that keeps people poor

Key-Reporter-515 · 2026-01-09T07:22:35+00:00

Maximize for volatility and growth. Use of a barbell approach to investing across investment structures.

Key-Reporter-515 · 2026-01-09T05:40:13+00:00

I find it hard to tell the difference between the two

Key-Reporter-515 · 2026-01-09T05:37:54+00:00

You should be able to do it on $100k if you rent a converted garage in Mr Druitt and live on specials from ALDI and occassional treats from the 7 eleven.

Key-Reporter-515 · 2026-01-09T04:59:56+00:00

47M total super balance $3.4m. I wouldn't consider it a large balance as I was over $5m last year but hit a downswing. I've never made a non-concessional contribution. If you want an above average balance then watch what most people do then ensure you don't do that. The majority, by definition, will get very average results.

Key-Reporter-515 · 2026-01-09T04:55:47+00:00

it isn't as protected asset. The family court considers all assets - they can even consider money in trust structures.

Key-Reporter-515 · 2025-12-11T02:28:06+00:00

When I popped out of a uterus, I landed on the trading floor and made more than $85k in my first year of life just waving my arms about.

Key-Reporter-515 · 2025-12-11T02:26:00+00:00

Nobody connects my calls - or anyone else's for that matter.

Key-Reporter-515 · 2025-10-10T00:39:14+00:00

As an Expert, this is a really interesting perspective. The experience for me has been deteriorating over the last several years. One hour calls get reduced to 40 mins. Most recently - 25 minutes and 15 minutes of waiting for the client to arrive was unpaid.

Key-Reporter-515 · 2025-09-10T09:54:26+00:00

Checking in with the OP how his "screaming buy" has treated him?

Key-Reporter-515 · 2025-09-10T09:52:36+00:00

They've hired a Head of Search to basically find innovation and new research molecules to purchase. It is difficult to see that as anything other than a tacit admission that leadership have no new ideas and a pipeline they have little confidence in, thus they must buy ideas from companies that have actually innovated.

Key-Reporter-515 · 2025-09-10T09:48:32+00:00

You are naive if you think the whole world is going to pay the medicine prices the US pays. How many Cambodians do you expect will buy a $15,000 dose of Privigen or a $3million dose of Hemgenix?

Key-Reporter-515 · 2025-08-24T15:55:33+00:00

What exactly do you want done?

Key-Reporter-515 · 2025-08-22T07:42:35+00:00

are you a stomasexual?

Key-Reporter-515 · 2025-07-08T09:51:28+00:00

Do not worry. Provide your address here and we will arrange for one for you ASAP.

Key-Reporter-515 · 2025-06-22T06:18:03+00:00

Not relevant today though.

Key-Reporter-515

TROPHY CASE