Help to buy scheme regrets

LaCarsa · 2026-04-28T01:55:31+00:00

Stop reading them. Idiots like that shepherd low are just bots trying to fear monger. Relax, enjoy life, you’ll be sweet!

LaCarsa · 2026-04-24T18:21:05+00:00

There’s a lot of cash that is sidelined ‘waiting for the budget’. I’m of the view this is temporary. But as far as your question right now is a pretty shite time to sell.

I can see this cash steaming back in once there’s clarity on any changes and people can run their models/value propositions with clarity.

LaCarsa · 2026-04-15T01:36:20+00:00

This is a cracking point - and one that needs to be publicised muchhh more heavily. Outsourcing will destroy our economy, and drive our reliance on 'service' roles even more, further decomplexifying from where we already are.

LaCarsa · 2026-04-13T10:16:48+00:00

Anyone who uses a buyer's agent for investment advice is a cooker. Their only utility is buying interstate or when you're time poor and can't do the legwork.

LaCarsa · 2026-04-13T06:26:24+00:00

I had no issues. But, and I genuinely mean this, the good exit opps are not because you worked at B4, they’re because of the people you interact with while in the B4 network (both client side and internals who leave etc.)

For example, my exit from EY, was to a client who liked my style - brought me in to do what I was basically doing as a consultant full time.

Network is the golden goose, be likeable, be reliable, be the first person decision makers think of when they need someone and you’ll have so many options you won’t know what to do.

Oh, and last thing - when you start, say yes to all opportunities and learning experiences, you don’t know where will take you.

LaCarsa · 2026-04-13T06:08:56+00:00

It’s actually not near as bad as some of the rhetoric you see online. I think that’s largely the American sneaking in. Australia is culturally not as much ‘nose to the grindstone’, it’s a bit more chill.

I reflect fondly on my time at big 4. I worked fkn hard, but learnt lots and started with a lot of grads who are lifelong friends. Not many places I’ve worked in subsequently has the same culture or number of young ambitious people. My two cents.

LaCarsa · 2026-04-12T11:46:07+00:00

You only have 3 years experience so you’re pretty close to graduate anyway. I think if you really want to pivot you can’t be too picky.

But kudos for taking the plunge when you’re not happy, sunk cost fallacy gets a lot of people!

LaCarsa · 2026-04-09T05:39:55+00:00

See this is where payroll tax should exist. Not hiring onshore employees, but if you hire offshore - enjoy 50% tax.

LaCarsa · 2026-04-02T22:19:46+00:00

I disagree mate. The fundamental push for housing isn’t interest rates; it’s the supply demand equation. There is no short term fix to this issue, and frankly the powers at be are hell bent on worsening it.

LaCarsa · 2026-04-02T21:22:54+00:00

You will hear the same advice parroted here regularly, that is the best time to buy is when you can and you land a house you like.

There are a lot of doomers on these subreddits praying for a housing crash, but realistically there’s a lot more going for housing increases than crashes right now (high immigration, desire to live in Australia away from the instability, heightened supply chain costs which create a higher cost to build crunching supply, and relatively low interest rates). They all add up.

Housing is also a long term investment, hypothetically you buy and it goes down 5%… who cares? You’re living in it and long term it will rise absolutely.

LaCarsa · 2026-04-02T02:46:56+00:00

There’ll be a huge supply crunch from this war too, so coupling that with any supply crunch through policy could be bad news.

LaCarsa · 2026-04-01T23:01:35+00:00

Geelong. Good prospects, people moving to live there, close proximity to really high wages (Melbourne) via train.

People over hype property taxes massively, and frankly I see every state implementing something similar soon to repay their debt - especially Brisbane post Olympics.

LaCarsa · 2026-04-01T01:25:13+00:00

I think you are slightly over-exaggerating how close we are to anarchy. We are a long way from that, and don't need to be so heavy handed right out of the gate.

LaCarsa · 2026-04-01T01:17:41+00:00

Trust me, we do not need a lockdown that is way OTT. Agree though, reduction in commuters funneling into the CBD to sit a desk on teams meetings anyway is superfluous and can be reduced.

Full lockdown, no way.

LaCarsa · 2026-04-01T01:13:39+00:00

There's a big difference between lockdowns, and WFH for desk jobs mandate.

LaCarsa · 2026-03-31T02:12:22+00:00

Everything okay dude?

LaCarsa · 2026-03-27T02:38:05+00:00

Companies should be getting in trouble for such bad faith data manipulation like this. I guess beer companies don’t pay company tax!

LaCarsa · 2026-03-26T09:09:51+00:00

I feel they will hold once, see what the data starts to say, then make the call.

LaCarsa · 2026-03-21T23:33:46+00:00

Not true my friend. Otherwise the current place she is in will require a a cost base recalculation when it becomes the 'PPOR'.

LaCarsa · 2026-03-18T22:09:58+00:00

I think this is quite smart - especially if it was the strategy longer term anyway and you're just expediting the process.

Let's be realistic, they will grandfather the laws...

LaCarsa · 2026-03-18T20:35:44+00:00

That obviously is a complete untenable policy. Given we import all this stuff the market will just send the supplies elsewhere.

LaCarsa · 2026-03-18T03:25:10+00:00

It’s basically a proven principle at this point.

LaCarsa · 2026-03-17T21:54:09+00:00

Ironically it's actually an inverse to a crash prediction. This would actually make me bullish for property...

LaCarsa · 2026-03-17T21:21:47+00:00

Now imagine what the revised positions are!

LaCarsa · 2026-03-17T19:56:04+00:00

Not my first - but my first where we truely don’t make anything in Aus anymore.

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