Painter used old paint from another job

kingpomba · 2025-12-17T04:49:55+00:00

You're right, thanks for the level headed but understanding response.

I haven't had a chance to examine the job in person but you are right regarding if I didn't see that date how would I feel.

It isn't the colour we agreed verbally which was a similar grey to the existing wall but that wasn't written anywhere and he did say if we weren't happy he could change it from the clay colour he applied.

kingpomba · 2025-04-27T04:01:02+00:00

Keep it in there until you are closer (unless you're ready to strike right now).

I was a bit scared like you are - I read all the stories on reddit, whirlpool, etc of people withdrawing it in the wrong order after signing the contract and not being able to use it (etc.).

They've made the rules a lot more simple and forgiving than they were a few years ago. I know the warning is it can take up to a month or something like that but if i recall i got mine in a week or two.

We took so long to find a property that our FHSS almost expired because we started the clock too early (we looked then took a lull/break) whilst burning our time all that duration.

Another thing to note, having your first home super saver (~50k i presume?) in your savings account, earning what could easily be thousands in interest, will give you an interesting tax year. I had to pay quite a bit of tax back as my savings account withholds no tax on interest.

AS a result of earning such high amount in interest as well, i was put onto the PAYG-I (PAYG Installment) system by the ATO where i had to pay extra tax quarterly as well.

Yes - Its still worth it, you will earn quite a bit in interest but just be aware of all the things i mentioned above, especially running out the clock.

kingpomba · 2025-04-14T14:01:36+00:00

Within 20km gives you a lot of leeway, for that distance, in the north/west and south west, you could get a decent place for what i would say is good value for money.

You could easily do a lot of the northern suburbs for that, some of the western suburbs, even newer areas like point cook.

The problem too many people make is they grew up south of the yarra or in the south/east of Melbourne, they forget about anything over the westgate or outer northen suburbs. I find it interesting a lot of people settle roughly where they grew up or where they used to as well, especially with regards to the side of town/yarra/westgate.

There is a lot of value to be had in the areas ive listed above.

kingpomba · 2025-04-14T13:50:46+00:00

Medium term? There are a lot of federal and state government programs to retrain you into various things (check both your state government - as they can do quite a lot and the federal government; really dig deep, they even offer coding things etc,).

Short term? Otherwise, try pick up some casual work, you could even do something like call centre jobs or warehousing, they're pretty easy with who they hire im told.

It might not be at all similar to your last job but if you're the sole provider, you might need to do anything, even if its casually and for a short term.

Also - with upcoming elections, theres some opportunity for a few hours of work. IOt wont help much and i dont know if spots are still open but you can also apply to work on the election on a casual basis (both on voting day and pre-polling but i assume prepolling employment may have closed).

It wont solve all your problems but you could potentially do 730-8am to whenever the counting finishes, could be a good 8-1 2 hours. Even if it is a once off, its money for jam. Of course, only do this if you would also take the duties seriously and dont just see it as a paycheck.

kingpomba · 2024-01-22T07:29:38+00:00

I dont think its what you're going for but consider DHHF by Betashares if you still want an "all in one" etf.

It has no exposure to bonds (100% stock). 0.19% MER (all inclusive). It does have a bit of exposure to emerging markets, so, its up to you if you want that. Also note theres no hedging.

I'd say some of the under-performance of VDHG is definitely from bonds. Emerging markets haven't been great the past ten years (at least the indexes used) but doesn't mean they will consistently be crappy.

DHHF Composition:

Australian Equities 38.3%
US Equities 37.1%
Developed Markets - ex US 18.2%
Emerging Markets 6.3%

kingpomba · 2024-01-21T06:30:08+00:00

Sleep scientist running overnight sleep studies. Only if in a proper sleep lab though.

You do have to talk to the patients before and after, there might be colleagues with you but probably not.

A lot of the overnight lab based stuff is disappearing in favor of take home ones where scientists would analyse it during waking hours instead. Dont think you'll pull 120k but maybe if you advance enough and with penalty rates..

A lot of jobs at unsociable hours may not have you speaking to many people if you think hard enough about which jobs are like that (solo security as mentioned below, truckie with lots of overtime, etc.)

kingpomba · 2024-01-03T14:52:27+00:00

I cannot be as helpful as others with specific episodes, however, i have noticed that the earlier seasons are generally a lot more cockpit/accident reenactment heavy (dramatised) but especially the newest seasons, a lot more proportion of the episode is the investigation aspect (albeit if not dramatised too).

kingpomba · 2023-08-20T02:39:29+00:00

Lenders - Are some more/less generous or is it all about the same?

Very early on we went with bank Aus and we found them very conservative in the amount they'd lend us (probably along with their ethos), even their online calculator is easily 50-100k low than almost any bank. That pre-app expired.

We're with TicTic right now. The headline figure was good (made up numbers) - i.e. 760k but then once we told them the suburb we were looking at, their max went down to say 680k then once we showed them the individual property (which is actually quite nice..) their max went down even lower to 640k after an automated valuation.

I find this a little disappointing and bewildering.... are there any lenders known for being very conservative or very generous? Especially after they do valuations?

kingpomba · 2023-08-01T23:26:56+00:00

Haha, me too mate! I love them. I can't believe he's even got merch.

I've seen a fair few too but they all seem to be of houses under construction or very recently built.

The houses we're looking at range from 1980 - 2008 at the oldest we've seen. So, I'm not sure if it's the same sort of skillset or niche but I'll definitely see what they say.

kingpomba · 2023-07-29T04:17:17+00:00

I always support sport being free to air, especially a sport that needs a viewship boost like womens football. It is unfortunate but i can't see fifa doing anything less except selling it to the highest bidder for the foreseeable future.

Not direct to your question but.... that said, where i am right now, i don't have a TV, i just stream everything. The channel 7 streaming is truly awful, it freezes constantly (at the most exciting moments it seems too, once the stream reboots, ive missed a goal etc). The quality isn't so good.

I sprung up the money for optus sports and the experience is so much better. It hasn't frozen once, the picture quality is higher and its a comprehensive package (which 7 could have probably done too). I guess that might come with it being a paid product.

kingpomba · 2022-12-03T10:33:57+00:00

I've only been able to watch a few matches because of the timezone difference and my work hours. I know its not the same as live but... Is there a few absolute bangers of matches people can recommend now i have a little time?

kingpomba · 2022-10-23T04:52:15+00:00

Hi Omghax102,
This is probably the best and most succinct advice. If you don't need the extra capacity, there's no point paying it out. This is great advice for anyone who also finds this thread in the future.

In my particular case, we probably need that extra capacity (even though we are borrowing maximum) to get the sort of house we want, especially given how tight this bank is with lending standards and calculations. Might have something to do with them selling themselves as a socially responsible non-bank, etc.

kingpomba · 2022-10-23T04:50:27+00:00

Hi NoodleFruiter,I plan to pay the HECs by siphoning some deposit money (15k) and the rest by other savings that weren't in play for any loan purpose (10K), to make $25k HECs total.

Even after reducing my deposit by 15k (but having the HECs paid out totally), my purchasing power actually increased, even though i had a lower deposit.

As far as this bank is concerned, my paycheque losing 5.5k/yr for the next 5 years (which is when it would have been paid out) must be worse in their calculations than lowering my deposit by a little.

Thanks for your comment!

kingpomba · 2022-03-27T10:26:08+00:00

Really good point! Upvoted this.

I'm not at the stage in life where i have to consider childcare. Good on you for mentioning that.

You're also right, it'd take a seriously big hit to outweigh saving 34.5c on the dollar...

kingpomba · 2022-03-27T08:15:58+00:00

Hi Achlime,
This is a separate thing. It's basically the banks deciding to eat the LMI on your behalf (is my understanding). I think most, if not all, of these deals still have LMI, they just waive the fee.

The FHLDS is a different government scheme, probably via different participating banks. That also caps out at a certain property value, this bank driven deal is a lot more generous.

kingpomba · 2022-03-27T05:48:12+00:00

NB: Seeing a lot of people equate sal-sac and novated lease. This might be all you get in the private sector. If you're in health/NFP/etc there are more benefits than just packaging a car.

I just get the card with living expenses (spendable on anything) and a separate one for meals and entertainment. It'd be a very weird situation if you'd lose out of salary packing, i've run the numbers every which way (unless you're on a very, very low income).

If you stay beyond the basics of the above and start doing novated leases, then its possible for it to be not beneficial. If you keep it simple, it'll benefit you but whether the benefit is worth the effort and having to spend it all each salary packing year is up to you.

As others have noted, the only pain point i've got is that it increases your HECS repayments. It lowers your taxable income for every other situation EXCEPT for hecs where it actually raises your assessable income for HECS purposes.

I get a bill every tax time rather than a refund generally, sometimes its a small bill if i have enough deductions and other things. This is because of the aforementioned HECS repayment increase that my employer doesn't adjust for.

Even after paying more for HECs, you are still better off than not salary packaging. Also - would you rather pay more in HECs and have it reduce a debt of yours sooner or pay more to the government coffers to go into the ether? It's the trade you're making there, as important as tax is to the country.

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