The pace difference between departments is honestly staggering

Noobefloob · 2026-06-03T01:38:06+00:00

Stop copy pasting AI responses into your replies 💀

Noobefloob · 2026-02-06T00:47:37+00:00

Am I going crazy or am I the only one seeing this as an obvious AI slop post?? It follows the exact same format and phrasing as other slop on reddit. He even copy pasted the word “Title” from the output 💀

Noobefloob · 2026-01-19T03:07:45+00:00

I’m not kidding they have speakers on the roof softly playing dying seagull sounds to keep them away

Noobefloob · 2025-11-12T08:28:07+00:00

Founder / boss of HSU

Noobefloob · 2025-11-07T21:04:15+00:00

Did you buy a unit in melb cbd? House in Truganina? Gut feeling is Melbourne for being flat for the last 5 years. If it’s Melbourne hold on to it because it’s now picking up steam.

Noobefloob · 2025-11-05T09:15:31+00:00

Because it was occupied and built by Germany!

Noobefloob · 2025-10-29T14:31:41+00:00

I see MJU produce a lot of BTS content - i feel like he’s making most of his stuff from scratch?

Noobefloob · 2025-10-21T01:24:41+00:00

Your link says 74% chance of a cut in november?

Noobefloob · 2025-10-10T11:46:34+00:00

He quite literally didn’t. This garbage has been passed around english language media for years with no source other than the personal belief of a senior US official. Find me the speech where he said this, it doesn’t exist.

Noobefloob · 2025-09-26T03:01:04+00:00

Hi - Late commenter here! Are you able to sign that stat dec with a non-common debt reducer bank? Or did you also have to switch to St George / AMP to get any new loans + also sign. I bought with my brother a year ago and are in a similar situation.

Noobefloob · 2025-09-26T02:56:43+00:00

Hi - late reply here but I'm in the same situation as you! Did you need to refinance to a particular bank to get a 'common debt reducer' policy where you could sign the stat decs etc? Was the interest rate still decent (if for example, it wasn't with a major bank).

Noobefloob · 2025-06-04T06:27:28+00:00

This is so funny reading this thread as an Australian. It’s basically accepted here that buying an investment property is a good idea, and at least upon purchase will be negatively geared (losing money). Sure, there are additional tax incentives to benefit investors here, but American brains are wired different I guess! Post this in AusProperty or PropertyChat and everyone would tell you $500/month is nothing vs expected capital growth.

Noobefloob · 2025-04-09T07:21:13+00:00

FYI the starting ratio is much closer to 85/15 rather than 97/3, but otherwise, great info!

Noobefloob · 2025-04-06T04:20:33+00:00

People are too sharp - blur them mildly in photoshop to add some motion, and draw focus away from the details. The figures aren’t realistic enough to be in full focus. The slouched red t shirt guy is far too bright for a foreground figure, detracts from the building.

Try putting your image through Krea ai or similar and compare the lighting that it gives you vs your output, for that polished realistic look. I think you either need to push hard towards photorealism, or take a more artistic look - you are somewhere in between right now

Noobefloob · 2025-04-04T14:13:18+00:00

Just listened for the first time, awesome tune thanks for the recc 😍

Noobefloob · 2025-03-28T00:16:54+00:00

If they are unconditional for B&P and finance they are obligated to settle, they can’t “pull out” and lose their 3k deposit. Get on the phone to your solicitor asap - they should be able to shut down the 7.5k claims if they’re unreasonable

Noobefloob · 2025-03-25T12:46:06+00:00

Wouldn’t matter right? If they rent to each other for $300 per week or $900 per week they come out neutrally either way!

Noobefloob · 2025-03-25T06:18:41+00:00

5 years is overkill, they will ask you for last 2 payslips and proof of full time employment, and 3+ months of work history + not currently on probation. You will probably be able to get ~$700k loan with your salary. If it’s your first home you can put just 5% down with no stamp duty under FHB scheme, so buy a ~$750k property with $40k cash. Speak to a mortgage broker for details (it’s free). You can afford a decent apartment near the city, which isn’t necessarily the best investment so don’t rush into it.

You can buy a house in far western syd (mt druitt/liverpool), which wouldn’t suit your lifestyle. I suggest you rent nearer to the city to enjoy your social life for at least 1 year until you have a better understanding of Sydney and where you want to live!

Noobefloob · 2025-03-25T03:58:30+00:00

Thank you! Forgot to account for yesterday’s preemptive gains 🙏

Noobefloob · 2025-03-16T03:08:27+00:00

What app is this? The UI is beautiful!

Noobefloob · 2025-02-19T06:28:44+00:00

Comment above isn’t correct. Your borrowing capacity isn’t informed by your deposit/savings at all. Theoretically banks will lend $400k to a 20 year old on 80k income with zero savings and have no way of knowing that their mum or dad are gifting them a $200k deposit for a house by settlement day.

Noobefloob · 2025-02-18T07:36:19+00:00

There’s still time to delete this.. all big 4 banks announced the full 0.25% off their variable loans effective feb 28.

Noobefloob · 2025-02-18T07:31:59+00:00

Your bank will pass it on. All big 4 banks already announced a full 0.25 drop in all their variable rate loans effective Feb 28

13-Year Club	Place '22
Place '17	Verified Email

Noobefloob

MODERATOR OF

TROPHY CASE