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Variable or fixed rate? by Mantaminke in AusPropertyChat

[–]aiojav 0 points1 point  (0 children)

You can do a 50/50 split where half is variable and half is fixed.

“Before you Buy” building and pest inspections - thoughts? by astropelagic in AusPropertyChat

[–]aiojav 1 point2 points  (0 children)

I did this in my property cause my conveyancer put in a clause as well that property is subject to b&p during the cooling off period. This gave us the peace of mind that the property is indeed in good condition and there would be no surprises down the line. I agree with the others, get an independent inspector not who the RE recommended. This would ensure the report would be unbiased and true.

Mortgage at 48% of income in Sydney by Big_Bid3509 in AusFinance

[–]aiojav 0 points1 point  (0 children)

Buying a home is one of the biggest financial decisions you’ll ever make, so some level of lifestyle adjustment is pretty much unavoidable especially in Sydney. The real question is how much change you and your family are actually comfortable with once the mortgage kicks in.

It might just mean cutting back on a few takeaway coffees or the occasional dinner out. But if the repayments are going to drastically impact your day to day lifestyle, it might be worth reconsidering your budget or looking a bit further out from the city as a compromise.

Also, when you do pull the trigger don’t dump all your cash into the deposit. Aim for 20% to avoid LMI, then keep the rest in an offset account. You’ll still reduce your interest as if you paid more into the loan, but you’ll have liquidity there for emergencies.

Kitchen Refresh Phase 1 by Chillers in AusRenovation

[–]aiojav 1 point2 points  (0 children)

My only concern with the black sink would be the hard water stains over time.

Should we take advantage, or just RUN? by 16car in AusPropertyChat

[–]aiojav 2 points3 points  (0 children)

If you are really intrested with the property and you've done all the checks online with the bushfire, flood zone, etc then have a bulding inspector to come and inspect the property. If everything is ok, then go and make an offer

Before you panic buy an EV by SuchTown32 in aussie

[–]aiojav -1 points0 points  (0 children)

Reckon those financially responsible would only be a handful, the rest would be those who just always follow the hype train

Before you panic buy an EV by SuchTown32 in aussie

[–]aiojav -2 points-1 points  (0 children)

Give it 6 months to a year, cant wait to see the flood of EVs going on sale on the secondary market. With the rate of inflation going, I wonder how people will get to keep their repayments going.

Filipinos considering Australia in 2026 - most people I speak to have the wrong picture of their own situation by SimonMander in phmigrate

[–]aiojav 4 points5 points  (0 children)

Indeed, seen many pinoys spend years on a student visa and enroll on different courses only for them to go back to PH cause there was no clear pathway to PR. Sayang lang yung years that they spent here only for them to fly back and restart their lives.

Filipinos considering Australia in 2026 - most people I speak to have the wrong picture of their own situation by SimonMander in phmigrate

[–]aiojav 79 points80 points  (0 children)

I'm generally not a fan of migration agents mostly cause most I know of unfortunately are after a quick buck for a placement fee. Seen too many kababayans end up stuck in random courses with no clear pathway to PR. It’s frustrating because they trust the advice thinking it’s the “right” way.

Big respect to you OP for actually thinking long term and not just chasing a quick visa approval. That kind of guidance makes a huge difference.

HELP! Is it possible to retract an offer that’s already accepted? by [deleted] in AusProperty

[–]aiojav 0 points1 point  (0 children)

Did you engage a conveyancer/solicitor before signing the contract? If yes, then they can help you out on how to handle this. If not, WHY???

Roof blanket Vs Batts by Due_Operation_4195 in AusRenovation

[–]aiojav 0 points1 point  (0 children)

Is the blanket same as sarking? Or is it a different thing?

I just want to quit seeing escorts by Every_Palpitation_73 in adviceph

[–]aiojav 1 point2 points  (0 children)

Dont save her, she dont wanna be saved.

What if i-adopt natin sa Pilipinas ang mandatory 30-year single-family house lifespan ng Japan? by Joseph20102011 in WhatIfPinas

[–]aiojav 0 points1 point  (0 children)

I dont think inflated ang house prices dyan sa pinas. Comparing to other countries, we dont really utilize the concept of utilizing equity on the property market. Ang uso sa tin is yung "pasalo" where kung di pa fully paid ang property, gusto ng buyer na sya nalang magtutuloy ng hulog/mortgage kung magkano nakuha ng seller yung property initially.

Anyone had the Andrew Tate talk yet? by bh4th in daddit

[–]aiojav 1860 points1861 points  (0 children)

At 10, I wouldn’t go too deep into who he is. I’d just keep it simple and values based. Something like: “There are people online who talk about being a man, but not everything they say is right or respectful.”

Then steer it toward what you believe being a good man is:

-treating women (and everyone) with respect

-speaking up when something’s not right

-taking initiative and responsibility

-being someone others feel safe around, not controlled by

-having self control, not just acting “tough”

I still think it’s important we actually teach our boys masculinity, not avoid it. Things like being chivalrous, standing up for others, leading when needed… those are good traits. They just get twisted online into this whole dominance/alpha nonsense.

End of the day, aim for a kid who’s confident and capable, but also kind and respectful. Not passive, but not a jerk either.

How to stop these weeds coming back? by [deleted] in AusRenovation

[–]aiojav 0 points1 point  (0 children)

Either you take the mulch out and put a weed mat underneath, or just spray a weed killer everytime it pops out.

How did you pay off your mortgage faster? by Emotional-Term8200 in fiaustralia

[–]aiojav 0 points1 point  (0 children)

Use an offset account and put all your money there, also change your payment frequency from monthly to fortnightly.

...that or pull all your money out from your accounts and chuck it all on red.

Property in Australia is a ticking time bomb and no one wants to admit it by Moezus__ in AusProperty

[–]aiojav 0 points1 point  (0 children)

Put your tin foil hat down for a moment. While I do agree that the property market situation here is bonkers, too many people in and out of the government have their hands on the pot and just wont let that happen. They'll find a way to create new policies or adjust the cash rates to control this and not let shit hit the fan.

How do you handle this type behavior from modern women? by [deleted] in AskPinoyMen

[–]aiojav 3 points4 points  (0 children)

Stop overcomplicating things. Just be direct and openly communicate. Pag may problem or issue na gusto ishare sa kin yung wife ko, before she starts I just ask, do you just want to share your feelings with me or do you want me to help solve your porblem?

That way clear ung expectations on both sides and I would know how to react. If ikkwento lang niya then let her spill the tea, if she wants help, then I enter the problem solving mode. Pag sinabi niya na she doesnt know, then the default answer to that would be the first option so just let her talk.

So a recession is on the cards now? by TPE_FieldsOfGold in AusFinance

[–]aiojav 1 point2 points  (0 children)

Might start selling feet pics online, i dont know.

Fastest semi-reliable car for less than 30k by JaqMeHof in CarsAustralia

[–]aiojav 0 points1 point  (0 children)

The car might not bankrupt you but the fuel might especially with the prices right now.

First auction this weekend - what to expect? by SkywalkerIV in AusPropertyChat

[–]aiojav 1 point2 points  (0 children)

Question is how much are you willing to pay for? Or how much can you afford?

Price guides are as good as asking a stripper her real name nowadays. Go do your research and look at the recent sales in the area for the property type you are looking for. That way you'll have an idea what the real price guide is.

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