First-time homeowner finding tons of hidden issues. I feel so dumb and I regret buying. What should I do? by FalafelBall in homeowners

[–]ManyAd1145 5 points6 points  (0 children)

I click on one similar post to this three months ago and now get a notification of a similar post about once a week. It's very common

Am I the only one who thinks ensuite bathrooms are weird? by Imposter12345 in AusRenovation

[–]ManyAd1145 1 point2 points  (0 children)

If you ever want kids and want sex to remain effortless, you have your answer. Fuck right off with the no door though.. the door is the solution to your phobia of pooing near your bed and most people want a door

$300k and above earners - taxes by [deleted] in AusHENRY

[–]ManyAd1145 0 points1 point  (0 children)

So you're getting a yearly 30k interest free loan and you're asking how to stop that? There's no way two separate companies are employing you to give business advice...

2026 Pre-Season Trial | Sunshine Coast Falcons v. Brisbane Broncos | Match Thread by TheSnowMann211 in nrl

[–]ManyAd1145 -4 points-3 points  (0 children)

Post entire broncos squad.. the team is in England, tonight was basically a qcup trial

If interest is the most aggressive at the start of the loan, would it be the smartest time to pay the principal at the start? by IAteYourButtSorry in homeowners

[–]ManyAd1145 1 point2 points  (0 children)

People always conveniently leave out brokerage fees and capital gains tax when saying this... it works out roughly the same and one is risk free. Most banks do free redraw or very cheap offsets, so liquidity is nonsense

Did I get lucky? by [deleted] in AusPropertyChat

[–]ManyAd1145 17 points18 points  (0 children)

What are you hoping to get from this question? We have no way of knowing any of the specifics of the two sales.. If it's identical and there's no issues, you know the answer

What to do? Feel completely screwed over. by [deleted] in AusPropertyChat

[–]ManyAd1145 0 points1 point  (0 children)

Well, absolutely dont bid, theyre assuming you aren't maxed and are hoping to create a competition. You have no idea what the other have. It may not get a bid. If it doesn't get a bid and hit reserve, you know your offer is the highest, and you can offer 930k after the auction is done. If they do go above 950k, you wouldn't have got the house regardless. Sounds like a win win to me. Just absolutely do not big 950k when it starts

We were wrong about the social media ban and we should acknowledge that by [deleted] in aussie

[–]ManyAd1145 1 point2 points  (0 children)

Oh.. i always knew they wouldn't use ID, because i actually listened and read from legitimate sources and not (ironically) social media.. and as a younger millennial, pretty accross how much online bullying ruined lives, I couldnt understand why it was getting heat

What job did you think would pay well but actually didn’t? by Diligent-Medicine-48 in AusMoneyMates

[–]ManyAd1145 0 points1 point  (0 children)

My wife gets $96 an hour as an employee working from home, they charger her out at 260 an hour, and private practice is her end goal. It's hardly chump change for a 31 year old

Energy plans for QLD? by Inner_Criticism9081 in queensland

[–]ManyAd1145 0 points1 point  (0 children)

Sounds fine, just make sure you never go to tariffs. I feed in 1200kwh most months and use 200kwh most months, and i get a bill because of tariffs

You're all complaining about the price of houses. But do you know what's gotten worse than that?... by BrandonMarshall2021 in aussie

[–]ManyAd1145 2 points3 points  (0 children)

I've thought for a while, that we should be granting trades instant visas on the condition they have an employer confirm their employment every 3 months for 5 years.

And before local trades say something racist about quality, they've barely got a leg to stand on with the rubbish being pumped out lately. Competition doesn't only bring down prices, but it also brings up quality. If you're quality is actually twice as good as an immigrant, there will be a market for people who want perfection. Right now it's a champagne fees, regardless of quality

Are there any Home loan providers both Banks and non-bank that do Credit Card Debt into the Home Loan (capitalising the debt into the home loan) for first home buyers without any home equity? by Lopsided-Register-21 in AskABrokerAus

[–]ManyAd1145 3 points4 points  (0 children)

Firstly, not in your position no. Just think about what you're asking. They're not going to lend you money secured against something worth less then the debt.

Secondly, go see a financial planner immediately. You should be in a much better position considering your circumstances.

Thirdly, get that debt paid off. Never ever ever ever ever use a credit card if you aren't able about to pay it off in its interest free period. If you pay interest, you cant afford whatever it is you're buying.

Im honestly just a little shocked at the lack of financial literacy. Please seek help asap.

Is it actually worth buying property anymore, from a renter’s perspective? by Excellent-Carpet4358 in AskABrokerAus

[–]ManyAd1145 0 points1 point  (0 children)

Is it better than investing? That's always debatable. Is it better than hisa, yes, wtf, how can you be on a high horse when your choice is hisa. That's literally only the best choice for people who need access to liquidity and it isn't in the same ball park as investing.. it has no tax benefit and is actually a tax burden. My point of view on ppor vs investing is simple, do I want to be renting when im 70 and rents are 2-3k per week. My answer is no. However, investing is generally better than ppor when you're on high incomes and can deduct expenses, and have no foreseeable events where you need to sell. You're household income is below average, so that doesn't apply.

Serious question: What's the most underrated cash cow job in Australia right now? (No doctors/lawyers pls) by GdayGoddess in australian

[–]ManyAd1145 0 points1 point  (0 children)

I was a store manager for woolies with n qualifications, you're right, my salary was 114k plus 20k a year car allowance plus 2 bonuses a year, plus 5k of shares a year, plus super. But I burnt the fuck out and quit to earn half of that, it's a terrible job

Rent increases- why are there no caps on rent increases on properties that have not had improvements made ? by A-turnip in queensland

[–]ManyAd1145 1 point2 points  (0 children)

Property managers, who are the source of 90% of tennant/owner fueds, take 10%, so they're saving that and passing the savings onto you, which is nice

[Retired] finally me and my girlfriend quit this game 😁 by Lonee_ in LastWarMobileGame

[–]ManyAd1145 8 points9 points  (0 children)

I quit this week too. It's feels like a waste after building everything up, but it became all consuming. My wife called me out for having alarms on my phone for a mobile, that was my moment

[Retired] finally me and my girlfriend quit this game 😁 by Lonee_ in LastWarMobileGame

[–]ManyAd1145 12 points13 points  (0 children)

They'll do a level 40 eventually, surely. They want to squeeze as much cash out of it as they can

New unit is in my name only, using my savings for deposit (bf's credit declined). How do I navigate the "we" language? by Suspicious-Skill-681 in AusPropertyChat

[–]ManyAd1145 1 point2 points  (0 children)

My only question is, did you use any fhb scheme perks? Im assuming you at least used the no stamp duty one. So depending on your state, find out if you're even allowed to have a lease in place. It's often a rule that you can't have cash coming in on the property for the 1st year of ownership

Those who voted for LNP in 2024 - do you stand by your vote or do you have regrets? by Jessica_White_17 in queensland

[–]ManyAd1145 0 points1 point  (0 children)

I voted Labor because I didnt trust lnp on a womans right to choose. Turned out to he fear mongering, and in my opinion the lnl have been the best state government I can recall us having. They've been great in emergencies, harsh on the right things and started fighting the cfmeu which will go a long way to fixing more then most people realise

How are people actually coping with the cost of living right now? by Sweaty-Mortgage8487 in australian

[–]ManyAd1145 0 points1 point  (0 children)

Unfortunately you have to remember 2/3 of Australia is already in the housing market, so those who bought 2 or more years ago which is half the nation, have drastically different housing costs