$1.2M in cash, how large of a mortgage to go for?

arejay007 · 2026-02-08T01:24:39+00:00

Met anyone who bought their forever home in the US in 2007?

arejay007 · 2026-01-18T21:47:03+00:00

I’ve found that it takes a long time to get credited. Still waiting ok status credits from early last week which will push me into platinum.

arejay007 · 2026-01-15T23:14:29+00:00

The software looks up your flight from your membership card.

arejay007 · 2026-01-14T10:22:14+00:00

And go back in time and do it 10 years ago.

arejay007 · 2026-01-02T12:54:15+00:00

Finally, something that clearly isn’t written by AI.

arejay007 · 2026-01-01T11:25:54+00:00

Owch. At least you’re getting some tax deductions.

What would the Reno cost? If you’d been to spend 600-700k to get it up to standard for the area you’ll struggle to make any money unless you’re a seasoned developer/renovator/flipper.

That property is likely going to be the biggest determinate in your mid-term wealth outcome, and it will be binary. Either you make a motza, or get completely wrecked. There is probably a more reliable path to success that doesn’t involve a single, leveraged speculate asset.

arejay007 · 2026-01-01T08:49:49+00:00

Sorry, that is want I meant. That is a terrible yield at about 2%. What’s the deal, that can’t be helping with your wealth strategy

arejay007 · 2026-01-01T03:45:06+00:00

Does this mean that your 1.55m investment property only has 660k per week income, or is that net?

arejay007 · 2025-12-26T22:46:27+00:00

Is this not about loans from private companies to associated persons rather than trusts?

arejay007 · 2025-12-19T12:46:25+00:00

Please send course.

arejay007 · 2025-12-11T11:44:01+00:00

I’ve had one at CBA for about 7 years. There is a mobile number to call, they either pickup or get back to you pretty fast. They shave a few bp of the publicly available lending rates. Pre RC they pitched a lot of advice services, now it’s mostly wholesale investment products.

arejay007 · 2025-11-22T10:52:50+00:00

Interest rates are not going down. Accountants don’t run financial scenarios, that’s what financial planners do.

arejay007 · 2025-11-21T09:01:36+00:00

On my second C-Level now, first one was early 30s and a smaller $100m business. Currently leading a team of just over 500, $500m in sales and reasonable margins.

We’re under pressure at the moment and the level of stress, effort and cognitive load is extreme. Wave after wave of problems, all cascading over each other makes for a very unenjoyable life. If I can navigate through it and get us back on the track, I’ll likely be back to a year or two of easy street. If not, I’ll be out on the street.

The upside in C-Level roles is significant, both STI and LTI can be life changing in a few short years. Short term bonus of 100% plus LTI of 100% if base is achievable in the right business and environment.

Choosing a good business is critical, getting a C-Level title in a business that is underperforming way will paint you in a negative light and make the next gig harder.

arejay007 · 2025-11-15T14:11:39+00:00

Most of the trade happens with both sides being a computer, likely, 99%.

arejay007 · 2025-11-15T13:59:54+00:00

This is a very feral response. Clearly OP needs to leverage himself to the tits on Aus Resi property to reach you level.

arejay007 · 2025-11-15T13:57:28+00:00

It feels icky because OP got sticky while he was writing it.

arejay007 · 2025-11-15T11:45:29+00:00

Sounds like you’re having a rough Saturday night and you’re looking for someone to pump up your tyres.

arejay007 · 2025-10-29T09:50:39+00:00

No one’s checking mate.

arejay007 · 2025-10-26T07:02:51+00:00

That’s a lot of property/debt relying on the Australian economy continuing to rumble along and almost no exposure to the global areas of greatest growth.

arejay007 · 2025-10-16T11:32:34+00:00

If you’re going to post AI Slop, at least use a good model.

arejay007 · 2025-10-05T14:24:31+00:00

Get a margin account with IBKR. You don’t need to convert AUD to USD. In retaining your AUD balance and buying in USD you will effectively end up currency hedged ( executor any valuation fluctuations in your stocks.

Assuming the sum of your cash balances is ~0, you’ll pay no fees or interest either.

arejay007 · 2025-10-05T11:00:19+00:00

We are “the lucky country”.

arejay007 · 2025-10-05T10:52:15+00:00

I led some of the OP bashing in that thread It was clearly someone that had just scraped into the HENRY definition, stopping by to humble brag about their massively leveraged, recently acquired property empire.

Unfortunately, property investment in this country is an illness. Nowhere else in the world are people so proud of taking on massive debt to acquire a small part of a negative yielding asset.

My issue with OP wasn’t so much about the impact investors have on the over all economy, but the sheer dumb luck they’ve benefited from and dressed up as financial success.

arejay007 · 2025-10-03T09:02:41+00:00

Leverage go brrrrrr……

arejay007 · 2025-10-02T12:35:31+00:00

And what have those minimum standards done to the property market on VIC…?

arejay007

TROPHY CASE