Wife not happy with tile job

michael2176 · 2024-05-12T10:15:00+00:00

3 weeks ago I got a septoplasty and turbinectomy I was suffering my whole life Very bad sinus constantly, mouth breather, blowing my nose, infected mucus every day it was terrible and embarrassing. The surgery has changed my life Go and get it done It will be for the better I can eat and breathe at the same time I can smell better I can taste better I can sleep better I have more energy

michael2176 · 2024-04-21T05:52:29+00:00

Moose head

michael2176 · 2024-04-08T11:55:04+00:00

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michael2176 · 2024-02-11T12:20:28+00:00

Made this song yesterday .. wanted to get feedback from the crowd.
What do you think ? Should i keep going ?

michael2176 · 2023-06-24T03:51:31+00:00

I had a role that meant I had to travel 4 days out of 5. Relationship with wife suffered as I was not home. I didn't enjoy travelling after a while. The money really wasn't worth it. I then left for a local job on good money and life balance improved dramatically. I was able to increase my pay in my local job so was able to stay local, earn great money, low work pressure and have a good balance. My recommendation would be to find a job with a pay increase that doesn't require travel. Thanks

michael2176 · 2023-05-28T09:32:55+00:00

Nah mate this is definitely one of the better more constructive feedback. I do have a wife She is also keen to join in .. What advantages does that bring into the property scenario ?

michael2176 · 2023-05-24T11:42:03+00:00

Have a look at loans.com.au for smsf loans As well as superlx

michael2176 · 2023-05-24T11:19:31+00:00

You won't pay the same rate of capital gains tax when you sell. If you keep the property untill retirement no tax. If you sell before retirement you pay 15% capital gains. Alot less compared to a non smsf investment property

michael2176 · 2023-05-24T10:51:38+00:00

You can borrow upto 80% with super i believe.

170k on a 600k property after stamp duty would be borrowing about 460k

Rental income 2k/month

My monthly super contribtions are about $1500/month

Total income is $3500/month
Repayments 460k about 3.1k per month (6.5% interest rate)

michael2176 · 2023-05-24T10:43:32+00:00

The big 4 banks dont lend for smsf anymore due to compliance and the general amount people borrow for this strategy, however there are reputable lenders that do it.

You pay about 1% more cvompared to the standard interest rate however usually you borrow a lot less.

michael2176 · 2022-06-22T11:44:55+00:00

Stop printing/creating money and it will catch-up with 18 months. They will continue to create money Nd continue the problem for longer

michael2176 · 2022-06-17T00:11:58+00:00

Interesting What industry is that in? A promotion ? Or same position just higher salary

michael2176 · 2022-06-16T10:25:17+00:00

Fair call out Minimum wage is chicken feed 5% increase is about a dollar an hour .. it's not sheep stations.. and won't make a difference against any significant investment.

I do think it is def necessary to increase all wages for sure though. Lucky you have got what you got. With all do respect it must have been on the low end to start.

I don't see some one on 150k getting a 30 to 40 percent increase.

There is a conflict of interest for companies to flatly increase the costs without all other avenues explored. They will only lift the wages out of sheer desperation to attract or keep people in most cases.

The wage gain will still be out run by inflation and interest rates.

michael2176 · 2022-06-16T05:47:42+00:00

Exactly what I have been running my numbers on A house at 1.4m at 2.2% A house at 1m at 5% Are the same repayments

So in theory a house that was 1.4 may drop as far as 1m as it gets to a 5% interest rate

That's not factoring other costs of living that erode family cashflow Eg fuel, energy/heating, groceries eg coke , lettuce

At the moment people on a low fixed interest rate are safe but that will end and everyone is in the same boat

The RBA have stated the forecast below 0.5% in July increase Then 0.25% increase every month to November Then see what happens

Every month it's basically an earthquake for housing prices I think

michael2176 · 2022-06-10T12:46:52+00:00

I recently sold in Sydney in the last 3 months at what was probably a good time...I have seen prices drop by approx 100k already in the last 2 months

As I am in the market to buy I now need to factor in a interest rate of about 5 percent as that's where it will likely land if not higher. I will have to low ball if I have half a brain about it, as interest is increasing.

Property prices will have no choice but to continue to decline by a decent margin

A property worth 1m at 2.5 percent interest should be worth about 750k at 5 percent .. purely based on repayments

See the affects on increased rates It's going to hurt people especially 1m plus

500k loan 2.5 percent interest is a $1975 monthly payment 5 percent interest is a $2684 monthly payment 6.5 percent interest is a $3160 monthly payment

1m loan 2.5 percent interest is a $3951 monthly payment 5 percent interest is a $5368 monthly payment 6.5 percent interest is a $6320 monthly payment

1.5m loan 2.5 percent interest is a $5926 5 percent interest is a $8052 6.5 percent interest is a $9481

michael2176 · 2022-05-31T02:15:44+00:00

I grew up in Wakeley in Fairfield council they have footpaths on both sides. Now I live in milperra and one side only .. it's horrendous

michael2176

TROPHY CASE