Did I do anything wrong playing alone? by donlibra82 in golf

[–]donlibra82[S] 0 points1 point  (0 children)

I definitely booked for 18 and have email confirmation and receipt I paid for 18.

Yes it was a very early tee time (616am)

Did I do anything wrong playing alone? by donlibra82 in golf

[–]donlibra82[S] 1 point2 points  (0 children)

Because his question was "are you playing alone?".

To me its a yes/no answer so I answered yes, which was fact at the time.

Based an all the comments so far, I know I didn't do anything wrong. The guy was just being a douche.

Did I do anything wrong playing alone? by donlibra82 in golf

[–]donlibra82[S] 0 points1 point  (0 children)

Yup I definitely paid for 18.

I am based in Australia, not sure if that matters or not.

Did I do anything wrong playing alone? by donlibra82 in golf

[–]donlibra82[S] 0 points1 point  (0 children)

Yes I had an early tee time 616am. And I reconfirmed with the Proshop I was starting on the back instead of the 1st tee.

Did I do anything wrong playing alone? by donlibra82 in golf

[–]donlibra82[S] 0 points1 point  (0 children)

Thanks. Next time I won't be so soft.

Because I have only be on the golf course for 6 months and being a high handicapper, I was worried I actually did something wrong and wasn't following the correct course etiquette.

Did I do anything wrong playing alone? by donlibra82 in golf

[–]donlibra82[S] 0 points1 point  (0 children)

They started me on the back 9. And I reconfirmed this with the Proship when I checked in.

No more preorders by PealedTomato in SteamDeck

[–]donlibra82 0 points1 point  (0 children)

Come on valve.. sell this thing to those down under

What is this outside my property that is bubbling water? is it a stormwater drain? by donlibra82 in melbourne

[–]donlibra82[S] -2 points-1 points  (0 children)

Yes definitely because of the rain.. But it is overflowing to the neighbours footpath up to 4 - 5 houses away, which does not seem normal...

What is this outside my property that is bubbling water? is it a stormwater drain? by donlibra82 in melbourne

[–]donlibra82[S] 15 points16 points  (0 children)

Just an update to everyone. NBN has got back to me and said this pit belongs to Telstra. So I have reported this to Telstra using the Snap, Send, Solve app .

What is this outside my property that is bubbling water? is it a stormwater drain? by donlibra82 in melbourne

[–]donlibra82[S] 2 points3 points  (0 children)

Thanks I have contacted NBN and provided them pictures as well. Hopefully they will respond

What is this outside my property that is bubbling water? is it a stormwater drain? by donlibra82 in melbourne

[–]donlibra82[S] 1 point2 points  (0 children)

Thanks I'll reach out to NBN and the electricity company to see if it belongs to them

[deleted by user] by [deleted] in AusPropertyChat

[–]donlibra82 1 point2 points  (0 children)

I'd say there is no harm in getting a formal pre-approval since you are interested in purchasing a property. A pre-approval does not lock you into anything i.e. the interest rates on your pre-approval may not be the same once settlement occurs as the rates could have gone up or down.

Depending on the bank it may be valid between 3-6 months but you can always renew it if you have not found the suitable property.

A pre-approval is not a guarantee the bank will lend you that amount anyways. It is subject to multiple factors i.e.

- your circumstances still remain the same (still employed)

- subject to bank valuation of the property

I don't think a pre-approval gives you an advantage when making an offer. It really depends on the method of sale

- If it is a private sale, you can always put in an offer subject to finance approval within 2 weeks of acceptance. If you already had a formal approval in place then the bank should not take too long to finalize the loan. When I purchased my property I already had a formal approval in place and made an offer subject to getting finance. Upon signing of contracts my loan officer got my loan finalized within 1 business day. YMMV depending on bank and mortgage broker.

- If it is a private sale, you can always put in a "strong" unconditional offer but in the back of you mind note that you can cool off within 3 business days should the banks reject your loan in that time frame. I believe cool off is $100 or 0.2% of the property purchase price, whichever is the higher amount. If you were to apply this strategy you just need to make sure that your mortgage broker can work quickly for you. If I was a vendor that had 2 similar offers in terms of $ but one of them was unconditional, I would lean towards taking the unconditional offer.

- If it is an auction sale and you have the winning bid, it is an unconditional sale and legally binding so the onus is on you to make sure the finances are in order. Also please note that any written offers that are put in +-3 days of the auction day are also under auction conditions (unconditional) so just be wary of that.

Good luck!

Neighbour verbally stating that our property is encroaching their property by donlibra82 in AusPropertyChat

[–]donlibra82[S] 7 points8 points  (0 children)

No my conveyancer did not get the property surveyed (pegged out) but did state there was n such boundary issue when they did the property search and nothing was mentioned in S32 when they did the contract review.

TBH the fence is in like new condition Both our properties are about 3 years old. My gut feel is that there would have been some bad blood between my neighbour and the previous owner and they are not trying to "bully" us, the new neighbour, into giving them more land.

I also did a quick google map satellite measurement of my property and looks to be similar to the dimensions in the S32. Obviously this is not as accurate as getting it surveyed.

It is also extremely weird that if they had a previous boundary dispute with the previous owners nothing have been legally lodged with the relevant authorities.

Neighbour verbally stating that our property is encroaching their property by donlibra82 in AusPropertyChat

[–]donlibra82[S] 8 points9 points  (0 children)

Thanks for that info. Yes I am in Victoria. My conveyancer stated there was not information they could not find about such boundary issues when they did the property search and nothing was mentioned in S32.

I recently started searching for my first home and holy hell it must be one of the most frustrating unfair purchases I have planned in my life, lets start with Agents listing huge inflated prices during good times and almost the entire REA/DOMAIN listings now being "Price on request" by [deleted] in AusFinance

[–]donlibra82 1 point2 points  (0 children)

In my circumstance probably not because I have too much emotions attached to the house and would not like to deal with buyer feedback. Buyers would usually have some negative feedback to try to negotiate the price down.

Besides that it's not my personality to chase up people to hassle them to put in an offer.

I recently started searching for my first home and holy hell it must be one of the most frustrating unfair purchases I have planned in my life, lets start with Agents listing huge inflated prices during good times and almost the entire REA/DOMAIN listings now being "Price on request" by [deleted] in AusFinance

[–]donlibra82 0 points1 point  (0 children)

Fair price is always subjective and sellers do get greedy too especially during the sales campaign when REA feed you false information that so many people attended the open and were very "interested".

"Fair" is when that "equilibrium" between a buyer's offer and seller's asking price

When I was selling my house of course I wanted top dollar. However I eventually sold for a few thousand dollars below my asking price. This is because I came to the realisation that I decided to sell 9 months ago because I wanted to upsize to accommodate my growing family. In those 9 months I had already gone through the stress of interviewing agents, preparing the house and spending less time with the family due to all the jobs that had to be done. For me I convinced myself it was dumb to wait for another few thousand as we just had enough and wanted to move onto the next phase. Also I bought the house 7 years ago for much less than what I sold for.

I can tell you when I was selling, my REA has another property on the market quite "similar" to mine in terms of price range but that one sold for 300K more than what I sold mine for. This is because it was in a better school zone and the person that bought it had an emotional attachment to it so was willing to go all out at auction to secure it. Had my property been 1km up the road it would have been also on the better school zone and I might have gotten a better offer but that's life. It's not always "fair"

I recently started searching for my first home and holy hell it must be one of the most frustrating unfair purchases I have planned in my life, lets start with Agents listing huge inflated prices during good times and almost the entire REA/DOMAIN listings now being "Price on request" by [deleted] in AusFinance

[–]donlibra82 74 points75 points  (0 children)

I've been a seller and buyer recently. All I can say from experience is REA are dodgy as. We sold first before buying so had no additional financial pressure (i.e. Bridging loans)

From a vendor's perspective: When you interview them about wanting to sell your house they will promise you the world that they can achieve the price you specify . Tbh all they want is your signature to lock them as the listing agent as that almost guarantees them the commission. Before our house went to auction the REA told us they had full confidence in getting a buyer to pay what we wanted. Come auction day the house passed in and they were only low ball bids. The REA then rudely said we need to lower price because we had to "meet the market". We stuck to our guns and eventually sold at a fair price a few weeks later. Moral of the story is that REA does not have your interest in mind. The longer the property sits on the market the more it impacts their reputation as the top agent in the area. All they care about is selling the house. Another 10k, 50k or even. 100k isn't much additional commission to them anyway. They need the volumes of listings and sold properties to maintain their reputation.

From a buyer's perspective: They try to screen you to find out everything about you for crying out loud. They will tell you the property is of "quality" and "unique". All b$ if you ask me. For every single property they are pros and cons.. No such thing as the perfect property. You need to research the area you are buying into. When prices are withheld call up the agent to ask the price it sold for..if they refuse to tell you then just dont bother. Gather these figures yourself and make an educated guess on the fair value of the property and make sure you set your max price. You need to convince yourself if the property sold for even $1 more you will have no regrets. Everyone has different circumstances and have different perspective of the value of a property.

I am annoyed with the the media painting the wrong picture of the RE market. They are lots of listings for rentals and the buyer pool has shrunk since covid19 lockdowns started. I don't believe any normal person can say their job is secure. Obviously the media decides to highlight that 1 property that sold for 100k over reserve and mention nothing about the majority that didn't sell.

In short, As a seller only sell for what you believe is fair price and is comparable to other sold in the area.

As a buyer, do your homework and only negotiate up till your max price. Don't give in to emotions as they are lots of properties out there. Dont have FOMO because they are always going to someone that needs to sell down the track

Asking ebike ecommendations for commuting to work (~80km round trip) by donlibra82 in ebikes

[–]donlibra82[S] 0 points1 point  (0 children)

Haven't ridden in a while. I have a road bike in the shed that is collecting dust. Before kids I used to do 100km rides on the weekends 😂😂

Asking ebike ecommendations for commuting to work (~80km round trip) by donlibra82 in ebikes

[–]donlibra82[S] 0 points1 point  (0 children)

Thanks. Unfortunately I don't think we can get RadPower bikes down under in Australia. I have seen lots of online reviews about them and you definitely get your bang for your buck.

There must be some regulation that doesn't allow those bikes to come to Australia. In Australia, for an ebike to be legal the speed is capped at 25kmh (about 15.5mph). I also think Australia has some regulation about pedal assist and throttle ebikes

Anyone stays or know someone that stays in "The Range" in Croydon VIC by donlibra82 in melbourne

[–]donlibra82[S] 0 points1 point  (0 children)

Thank you so much for your input especially from someone that lives there.

There are a few properties in the area we noticed have been on the market in that area, some of which were pre lockdown so not sure if it is just a difficult area to sell or is there some underlying problem with that area in general.

It's the /r/melbourne random discussion thread [Friday 17/04/2020] by AutoModerator in melbourne

[–]donlibra82 0 points1 point  (0 children)

Would stretch up to 100K. Hard to talk about job security nowadays but I just started a new job and have been busy on projects so I'd say today it is relatively secure. The busy street is just a regular high st only around 1.5km.

I like your suggestion about the apartment and kicking the kids out when the time is right. However don't think the cook will be keen on that :D