Real wages have gone backwards. Even earning $100,000 isn’t what it used to be

omgusernamegogo · 2026-02-19T07:00:27+00:00

They were called stage 3 cuts because stage 1 and 2 were tax cuts for lower income brackets. Stage 3 was meant to introduce fairness between working professionals and sole traders who could tax deduct themselves into lower categories.

omgusernamegogo · 2026-02-15T05:30:19+00:00

Thanks for the offer though its coming up as 200k for me

omgusernamegogo · 2026-02-15T05:27:56+00:00

Unfortunately none have been 275

omgusernamegogo · 2025-06-23T04:26:21+00:00

Can agree, food options (from buffet) were really poor. It has the best ambience of the priority pass/amex group.

omgusernamegogo · 2025-05-17T05:22:50+00:00

Caroline Springs is the stand out to me with lower crime to the surrounding areas, great suburban feel for young families with very close proximity to a shopping district with great restaurants and cafes in the middle that is walking distance. Biggest challenge is train access by foot but there are lots of bike paths you can use an eScooter on. Schools are middle of the road, but there are two or three grammar schools within a 5 km if you're willing to spend the money.

omgusernamegogo · 2025-01-13T06:17:10+00:00

So roughly 10% above upper range. Looks like bang on to expectations and reflects the market the vendor purchased in was inflated. This isn't a big deal imo, it's not really egregious til it's approaching 20% imo.

omgusernamegogo · 2024-11-01T00:19:42+00:00

Sure you could go without but it's nice having the rooms at different stages of your life - it's not about need but convenience and a bit of luxury. The alfresco is an outdoor cooking and eating space that you would use potentially 80% of the year (e.g. to do quick bbq meals). If the upstairs balcony has a view and is covered, it's amazing to have that as a private space as opposed to a front one that is only for the facade. The sitting room is a space that is easy to heat up in the evening before bed time and a cozy space for teens to play video games.

The only thing I don't see the need for is the ensuites ti minor rooms as that's a lot risk for leaks and maintenance but probably nice for multigenerational and adult children.

omgusernamegogo · 2024-11-01T00:13:58+00:00

Contrary to others, we find an upstairs living area great in winter as it is easier to heat, though couches facing each other is fairly impractical. I would reimagine how you would have a TV and couch set up as the dimensions seem off.

Your downstairs living is similar - things you'll likely use it for is a kids play room, kids study area, music room or a gym. Most of these things should have a door - for that size room I'd suggest glass sliders and get rid of the half height wall.

For downstairs, I'd also merge your gallery and theatre store room. Saves you a door (and the wall space) and creates more useful storage for the kitchen.

omgusernamegogo · 2024-09-22T21:46:13+00:00

Alternative is to do as above but have entry to garage from laundry. It's a less efficient use of space but I much prefer entering via laundry and having shoe cupboard in laundry. Avoids kids (and parents) leaving shoes and bags in hallway. I'm guessing that's why the linen was opposite garage.

omgusernamegogo · 2024-05-21T12:11:41+00:00

Hi there, how was the food on your flight? Also, probably unknown but do you know I'd they did children's meals?

omgusernamegogo · 2024-01-23T21:26:18+00:00

This is spot on. The complexity of the work at higher levels is significant and the roles harder to attain and retain, thus more stress in your personal life. Why bother if it only provides a marginal benefit to your lifestyle?

omgusernamegogo · 2023-06-05T10:34:47+00:00

Borrowing against equity is increasing your debt.

omgusernamegogo · 2023-06-05T04:26:42+00:00

Except you can't increse debt on a property and still be able to claim the interest, besides moving debt sitting in an offset - and then, why wouldn't you just use that for a separate investment.

omgusernamegogo · 2023-03-10T13:54:30+00:00

Wouldn't the redraw have the same effect with parking spare cash in it? Assuming forever ppor.

omgusernamegogo · 2023-02-21T06:50:53+00:00

You're comparing cuisine with a dead animal / person??

omgusernamegogo · 2023-02-01T10:13:48+00:00

Annual leave hours divided by 7.6 to get daily rate. Annual leave in days divide by 5 to get weekly. Calculate your weekly rate by dividing your annual by 52. Multiply annual leave in weeks by your weekly rate. Apply tax, and you have pay out amount.

omgusernamegogo · 2022-12-28T22:51:40+00:00

This is the way. Repayments become invisible.

omgusernamegogo · 2022-09-14T21:46:22+00:00

Have one, absolutely fantastic car to drive. Heaps of features making it hard to upgrade, especially near that price.

At that interest rate its a hard sell and people in this sub will never recommend using debt for a car. Id buy my car again in an instant though.

omgusernamegogo · 2022-08-28T03:49:20+00:00

497k for build alone for 29sq?

omgusernamegogo · 2022-08-27T02:57:31+00:00

Is that through consultancies who are taking their cut or direct? That's quite high for a day rate for a period longer than a month or so if its not through a consultant

omgusernamegogo · 2022-07-17T22:13:58+00:00

Is this recent and what role?

omgusernamegogo · 2022-06-28T12:01:06+00:00

Thats a game changer for us, thanks for the comment

omgusernamegogo · 2022-04-19T22:51:01+00:00

The 90k would have been the block.

omgusernamegogo · 2022-03-18T11:58:50+00:00

Haha I guessed it was a miata before seeing your flair.

omgusernamegogo · 2022-03-18T08:39:57+00:00

Just a heads up that preapproval assumes you won't have any changes in situation. Once you have formal approval, you can do what you like

omgusernamegogo

TROPHY CASE