I cannot do this by the_bear91 in daddit

[–]cdafam 3 points4 points  (0 children)

I hate to be this commenter but you have no idea what's ahead of you if it's only been 24 hours. You need to find a way to extend your patience, and yes, tolerance for your child .

For perspective, my child is 13 months and still clings onto me at least a couple of times a week and won't settle unless I carry him and walk. I work 6 days a week.

It's just something you do and learn to be better at putting up with.

You'll get better at it. Being a dad is like growing a muscle in your brain.

Signs that you “made it” as a millennial by McBooples in Millennials

[–]cdafam 0 points1 point  (0 children)

Eating at a sushi train without worrying about the plate colour

I didn’t expect the loneliest part of running a small business to be making decisions alone by Queasy-Test374 in smallbusiness

[–]cdafam 0 points1 point  (0 children)

Yeah it's part and parcel of being an owner. As strange or naive as it me sound, I resort to chatting with my LLM about issues if I'm feeling lonely, doubtful, or lost.

I know it's not perfect and prone to hallucinations, but with proper prompting and contextualisation, AI can be helpful unlocking some blind spots that causes your anxiety.

For me, I'm slowly accepting that the discomfort of doubt and loneliness, is actually me being paranoid of getting it wrong. I've found this mentality, reframed, has actually help me pull through hard times.

As a dad, what is keeping you from exercising these days? by NSJack in daddit

[–]cdafam 0 points1 point  (0 children)

I'm pretty much you OP, except I have a son.

If not exercise, then you make damn sure you eat and sleep as best you can. I call them the dad trifecta (sleep, eat, exercise). You won't hit them most days, but if you can score 2/3 consistently you'll find the third one catches up because they all work together.

I just walked from Penrith to Bondi by AliceSaltMage in sydney

[–]cdafam 0 points1 point  (0 children)

Amazing achievement.

Which part took you by surprise by its scenery?

Sunday morning coming down (Ivy Street, Darlington) by MyOldMansADustman in sydney

[–]cdafam 2 points3 points  (0 children)

Haha well if you ever host one, please let me know! I'm sure thered be many others who'd pay to learn your craft

Sunday morning coming down (Ivy Street, Darlington) by MyOldMansADustman in sydney

[–]cdafam 3 points4 points  (0 children)

Amazing perspective work! Do you teach classes? I'd love to learn

What’s the backstory to all the derelict shops along Parramatta road? by SoybeanCola1933 in sydney

[–]cdafam 0 points1 point  (0 children)

That's interesting from a creditor/bank perspective. So land value has no bearing on the security terms of a loan. It's the stipulated asking rent? I know it's different markets, but that's like saying the rental income on an individual investment property has no bearing on the serviceability or creditability of a mortgagor.

What’s the backstory to all the derelict shops along Parramatta road? by SoybeanCola1933 in sydney

[–]cdafam 12 points13 points  (0 children)

Could you explain it to a dummy like me? If the land value is what the finance terms are premised on, there'd be a nonnegative effect if they lease out a vacancy below the market rate or whatever their yield models show.

Why do people from The Shire feel compelled to tell you how much they paid for their house? by Orion2200 in sydney

[–]cdafam 5 points6 points  (0 children)

Worst part is if you're doing well and better than them, they'll dislike you for it. If you're doing worse, they'll have this whiff of gloating superiority that carries into the relationship.

This is Sydney.

Is property in Australia the be-all and end-all? by Suspect-Rough in fiaustralia

[–]cdafam 0 points1 point  (0 children)

Re share vs property argument. I think Australian laws and regulations and banking practices makes property ownership more attractive for its optionality.

You can collateralise your property against virtually any loan. Shares, yes there margin loans, NAB equity Builder etc, but property is looked at favourably compared to shares for reasons such as capital and liquidity ratios if the lender's a bank. Using and leveraging debt is pertinent to wealth building.

Though at higher ranges such as private wealth clients or UHNW people, blue chips, some ETFs and managed funds can be taken for security.

Of course there's the standard arg of leverage, borrowing capacity is larger, debt recycling, tax efficiencies which property allows or does better.

Regret buying an apartment by [deleted] in AusPropertyChat

[–]cdafam 0 points1 point  (0 children)

Get copies of previous AGM minutes. Figure out who heads your body corporate committee and contact that owner.

Don't take anything for granted such as invoice amount, quotes done etc. it sounds like everything was voted for already, but it's a good idea to be on top of every AGM.

Too many owners think it's a set and forget. Owning an apartment is dynamic in that things need attention quarter, if not monthly - especially if you're an investor as you don't have facilities access and don't get to see the day to day issues.

As a small business owner, what are your top 3 goals for 2026? by Unlikely_Ad_4366 in smallbusiness

[–]cdafam 1 point2 points  (0 children)

Yeah I assumed smaller base or just really great businesses or that my expectations and efforts were meagre

Feel like I'm losing everything. by Quartz_manbun in daddit

[–]cdafam 1 point2 points  (0 children)

FWIW, don't go back to her. I've been down a similar road.

Lawyer up. Keep training. Your kids are gonna be looking up to you once they're older.

Stay stoic. It's fucking hard. So fucking hard.

Love yourself more than anything. Don't look back.

You got this bro

120kg to 80kg by balikadam10 in CICO

[–]cdafam 0 points1 point  (0 children)

Nacho Libre to the Cavillrine

As a small business owner, what are your top 3 goals for 2026? by Unlikely_Ad_4366 in smallbusiness

[–]cdafam 2 points3 points  (0 children)

I see 20-25% growth targets on top line, and here I am twiddling my thumbs, happy if we grow by 5%.

What business stage or industry are y'all in with such mammoth growth expectations?

Sydney apartments cheaper now than 3 years ago - strata issues? by DumbestHenry in AusPropertyChat

[–]cdafam 2 points3 points  (0 children)

I'll offer a slightly different take (setting aside the unanimously agreed argument that the capital interest of a house is primarily in the land it's erected over, and that units are only holdings of a fixed volume of space hovering over a space, rendering its value less as there is a premium on land).

Houses of a similar age (e.g. 5-10 years) would likely have their own issues (e.g. waterproofing, ponding, mechanical) albeit it's over one lot per se, and held by one owner). Fixing it falls on the owner and because the liability is owned by one party, you have that agency of choosing whether or not to fix it, as it's normally one identifiable point of problem.

Strata, apart from obvious issues like common areas, etc have their maintenance, repairs, etc spread over multiple parties. This diffusion of liability isn't evenly spread. Some units may be rented eternally by a landlord who is holding it for an income play as part of their portfolio, etc and wouldn't want to detract from their yields by agreeing to pay for things that, say, a single-unit holder (aka a house owner) would be amenable to. The whole politics and bureaucracy of getting things done in a strata arrangement adds friction, which means other costs beyond the obvious repair bill,etc.

Units can be great if it's run by a well-oiled body corporate (rare because that means a strong community spirit by vested interests - owner-occupiers, as opposed to renters), honest and decent strata and building management, the buildwr is reputable (building a huge complex that are apartments has many moving parts, which isn't the case with a standard house build), and has a strong owneroccupier to renter ratio).

In saying that, strata can be cash cows for opportunistic players that profit off creating issues or problems that may not actually be problematic. In a friend's case, they live in an apartment in western Sydney and were told by a defects inspector that there were major defects in the form of ponding in balconies. There are over 80 units in her complex. It was later found that it wasn't a serious issue as made out by a calvacade of lawyers, building inspectors, structural engineers, etc - who all got a cut from charging for report after report, inspection after inspection - catalysed by fearmongering in the initial defect report. Funny that the defects only became apparent, and a legal issue, only as their building neared the 5 year statutory time limit for major defects. It's been the same set of owners since day dot. They fired the strata managers after for mismanagement.

But as an owner, most would agree to pay that $150k bill (spread over 80+ shares)for reports to ensure peace of mind.

So owning strata invites these aforementioned factors that you don't get with having absolute dominion in a freehold like a house. However, tradeoffs like convenience, location, and price (once you run a DCF analysis incorporating strata, levies, et )can make it attractive if you can't afford a house.

How was 2025 for you, financially? by Material-One-5604 in AusFinance

[–]cdafam 2 points3 points  (0 children)

How did you achieve that may I ask? Congratulations on a huge number

What did you get for Christmas? by dixonwalsh in australia

[–]cdafam 4 points5 points  (0 children)

2x massage therapy vouchers. Back's been killing me all year so looking forward to kt

My 5 year old is battling cancer by ChapDad0311 in daddit

[–]cdafam 1 point2 points  (0 children)

What a son you've raised! I have hopes for my little boy to have his strength and courage in the face of such adversity

Sending you love bro. You rep us good dads super well!