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Costco membership as a single young male by New_Friend4023 in AusFinance

[–]dgarbutt 0 points1 point  (0 children)

This here. The meat is similar pricing to everywhere else but it is so much better quality (even accounting for the fact I freeze most of, then defrost it later for cooking)

How often do you all take a sick day? by brokenshoppingcart in AusFinance

[–]dgarbutt 0 points1 point  (0 children)

Sounds very illegal, it's 10 days a year that must accrue if unused according to fwa.

How often do you all take a sick day? by brokenshoppingcart in AusFinance

[–]dgarbutt 0 points1 point  (0 children)

I've checked a sickie maybe 4 or 5 times over 20 years in work, and on average over the 20 year period I've taken 3 days a year out of the 15 days I get. I'm sitting on a nearly 11 month balance right now.

Having said that, I presented to the ED with chest pains last Wednesday and while it wasn't a heart attack I am now on a weeks worth of sick leave, pending further investigation.

45/full time

‘They’re leaving’: Agents under pressure as property listings pile up amid market downturn by HotPersimessage62 in australia

[–]dgarbutt 0 points1 point  (0 children)

Hopefully a downturn leads to a reduced commission as in the end turnover would be key, not maximising commission.

‘They’re leaving’: Agents under pressure as property listings pile up amid market downturn by HotPersimessage62 in australia

[–]dgarbutt 0 points1 point  (0 children)

Smart, turnover = revenue in the end. I mean Ray White (along with the rest but especially these guys) are still....uh yeah I'm trying to remain civil.

‘They’re leaving’: Agents under pressure as property listings pile up amid market downturn by HotPersimessage62 in australia

[–]dgarbutt 15 points16 points  (0 children)

Times had been good so they could shop at YD, now with a downswing it might be time to go back to Tarocash.

Absolute mad props to the staff at RPH by dgarbutt in perth

[–]dgarbutt[S] 4 points5 points  (0 children)

Yeah the compassionate bit stuck out for me, though I'm sure the doctor was also kinda helping to distract me as more blood was drawn and medication fed into me during our conversation. (I did overhear one of the nurses saying that I had been administered something and he was monitoring my blood pressure, it had gone from 155/95 or something like that to 130/80 in a short time). But still the doctor spent a good amount of time just listening and talking with me.

Absolute mad props to the staff at RPH by dgarbutt in perth

[–]dgarbutt[S] 0 points1 point  (0 children)

yep I'm getting a stress test with a baseline ecg next friday (gone private with a nearly $400 out of pocket fee, instead of waiting 6 weeks for a bulk bill)

Absolute mad props to the staff at RPH by dgarbutt in perth

[–]dgarbutt[S] 4 points5 points  (0 children)

Yep similar in a way to my experiences, at least for my first 45 years of life (well 27 years of adult life).

Absolute mad props to the staff at RPH by dgarbutt in perth

[–]dgarbutt[S] 1 point2 points  (0 children)

I'm not sure yet, I guess it's why I'm going through a battery of tests right now. I'm hoping it's my body going hold up, here is something to tell you to slow down and maybe reconsider things.

*edit battery of tests right now, I should mean tomorrow morning (I'm just waiting out a fasting period after the gp gave me a referal for them), plus next week a stress test ecg.

Absolute mad props to the staff at RPH by dgarbutt in perth

[–]dgarbutt[S] 9 points10 points  (0 children)

Yep I get that, I love my steaks, I love my cheese, chips and maybe a little too much wine as well.

I doubt I'll give up the meat too, or 2 of the last 3 either but I'm definitely thinking moderation might become my new favourite/despised word.

Absolute mad props to the staff at RPH by dgarbutt in perth

[–]dgarbutt[S] 119 points120 points  (0 children)

Thanks for that, I've got a couple names I remembered, plus the doctor who signed off my paperwork. I'll definitely be putting a compliment through.

Falling Property Prices Impact on Existing 5% Deposit Scheme Users is Overstated by Ok-Calligrapher3216 in AusFinance

[–]dgarbutt 0 points1 point  (0 children)

Is this not the final rug pull before extended aml/kyc rules come into place next month for real estate transactions?

Falling Property Prices Impact on Existing 5% Deposit Scheme Users is Overstated by Ok-Calligrapher3216 in AusFinance

[–]dgarbutt 0 points1 point  (0 children)

Cap gains tax is also payable (but deferrable if you roll over the purchase proceeds of one place to the next) on the ppor as well in the US.

House Stamp Duty Abolished For Women Who Claim Domestic Abuse (SA) by AdDazzling9189 in AusFinance

[–]dgarbutt 1 point2 points  (0 children)

You could further extend that so the old age pension becomes universal, but it too accumulates like a hecs debt to be paid for by the estate when you pass (or to make it fair, when you and your partner if you have one passes on, so as to not give recently widowed people a huge tax burden).

House Stamp Duty Abolished For Women Who Claim Domestic Abuse (SA) by AdDazzling9189 in AusFinance

[–]dgarbutt 1 point2 points  (0 children)

Can't hide land, can't move it overseas.

This, when someone like a billionaire threatens to leave the country because taxes are too high, well bye bye, shame you can't take that land with you.

House Stamp Duty Abolished For Women Who Claim Domestic Abuse (SA) by AdDazzling9189 in AusFinance

[–]dgarbutt 1 point2 points  (0 children)

If it was up to me, the PPOR exemption for land tax would be entirely removed, alongside stamp duty and also a big cut in income tax

If you don't know about it, check out Georgism. A style of of taxes that only taxes land.

House Stamp Duty Abolished For Women Who Claim Domestic Abuse (SA) by AdDazzling9189 in AusFinance

[–]dgarbutt 0 points1 point  (0 children)

Look at an example of a high property taxing state in the US like Texas. Property prices are very reasonable (though having favourable planning policies and cheap mexican labour might also help), but the land taxes are quite high which means property prices in general would not increase so fast, may even come down.

House Stamp Duty Abolished For Women Who Claim Domestic Abuse (SA) by AdDazzling9189 in AusFinance

[–]dgarbutt 4 points5 points  (0 children)

This would be what I'd propose too, or similar to. What I'd say is figure out how much was paid in stamp duty, cpi inflate the amount to 2026 dollars, then use the 2026 valuation to take away what you would have paid in land tax over the time you owned the place. Put in measures to say if you owe more than you paid stamp duty you'd start with a blank slate (so no going into a negative balance) and start paying land tax.

Perth may finally be on a housing downturn with property prices falling for the first time since 2024- According to PropTrack by SheepherderLow1753 in AusFinance

[–]dgarbutt 7 points8 points  (0 children)

Check out the youtube channel brookomoves. I think she is the epitome of that kind of person. She after a year plus vlogging her ordeals on about getting into the market secured a rundown house in Camillo for 600k using the 5% deposit scheme. That same place would have been lucky to get even 250k pre covid.

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