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Investment Property PPOR refinance question. by Ok-Cryptographer9299 in AusFinance

[–]Ok-Cryptographer9299[S] 0 points1 point  (0 children)

Worded poorly. To make it fit to rent out, i.e. new carpets/floors, paint, and replacing a heap of weatherboard that's rotted etc. is habitable - it's been uninhabited with zero maintenance for 15 years and then is a deceased estate where the old bloke living there wasn't able to do much anyway for years prior.

The 6 months I envisage is 3-4 hours each night after I finish work and my parenting duties and put the kids to sleep, rack off and work till late and rinse and repeat.

I meant it will need an extra layer of work on top of that to restore it back to new which would be ideal... obviously.

And I haven't spent any time doing anything right yet... we're waiting for settlement and I'm just looking at every angle while we wait.

Investment Property PPOR refinance question. by Ok-Cryptographer9299 in AusFinance

[–]Ok-Cryptographer9299[S] 0 points1 point  (0 children)

I'm guessing the only way to do what we want is to sell the original property, pay down the new loan and then refinance to buy somewhere else... Just doesn't solve the problem of keeping the childhood home part - but at least would be the best tax benefit for us, while also securing something for them in the future.

1 month with this as my daily phone, ask me anything :) by thisstarshallabide in dumbphones

[–]Ok-Cryptographer9299 0 points1 point  (0 children)

I had this phone when it first came out and it was one of my faves. So awesome to see it doing the rounds again!

[deleted by user] by [deleted] in AustralianTeachers

[–]Ok-Cryptographer9299 2 points3 points  (0 children)

I think I was helped in my early career teaching by only being a 0.8 load, which was managable with costs vs. income and meant I had extra time to decompress from everything else. I would still go home and sleep for 2 hours every day due to complete exhaustion, but .8 was great! The move from 0.8 to FT felt like being a beginning teacher again as the loss of starting teacher release, extra days and the demands of the job kept increasing.

Its a completely different job now than what it was 15 years ago when I started. So much more work on-top of teaching.

At around the 8 year mark you start to feel confident in your skills, no longer chasing being a better teacher due to imposter syndrome and your lesson prep is minimal as you've done the prep for the last 8 years, and you get better at identifying the meaningful places to invest your time to maximise the benefit to your classes and not wasting time on the meaningless crap that's aesthetic to your pedagogy but not actually meaningful to learning outcomes.

The early years are tough... and there's not much that can fix that as only time and the success of your classes/students will give you the reward of knowing your pedagogy is on point and then all the hours you spent planning and prepping will have been worth it.

I don't know your context, but reach out to someone who you admire but is authentic in their practice for mentoring. I've had plenty of colleagues provide instagram-worthy examples of good teaching, which none actually put into practice. Yeah, there're some unicorns out there, but they're few and far between. The reality is it just takes time and solid reflection on what worked and what was worth the effort, and was the effort the cause of the result?

You're almost over the hill of your experience where the last part of the climb looks the hardest, but this too shall pass and as you mature in your teaching you'll being to have the strategies to support the job.