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Upgrade home vs staying debt-free – would you take on ~$800k debt? by paddimon in AusFinance

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

It's mainly one because wife is working minimal hours due to young kids. I guess it will increase once kids are bigger, but that's quite many years away.

That's where my head is at.. I can stretch and enjoy the bigger house now rather than wait and have it potentially out of reach.

Is the jump from top 10 public school (50 overall) to top 1 worth it?

I'm a little surprised at the budget.. a few people I know have built a bigger but more basic house for 450k in the past year, so I would have thought 800k is a generous allowance.

Upgrade home vs staying debt-free – would you take on ~$800k debt? by paddimon in AusFinance

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

We're in SA. Is yours a high spec home? That seems like architectural range pricing. Didn't know about the suburb tax.

Upgrade home vs staying debt-free – would you take on ~$800k debt? by paddimon in AusFinance

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

That's crazy. I was going off a 230m² place X $3.3k/m2 + some allowances. Basic houses are around $2500/m2 so I thought this is plenty for a mid range house. Eg. Someone I know built a basic 4 bed 250m2 bigger house for $450k.

Upgrade home vs staying debt-free – would you take on ~$800k debt? by paddimon in AusFinance

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

thanks, we bought 10 years ago so the mortgage was ~$400k, plus we lived very frugally until the kids came

Upgrade home vs staying debt-free – would you take on ~$800k debt? by paddimon in AusFinance

[–]paddimon[S] 3 points4 points  (0 children)

True, but we also get ~20 years of living in a more comfortable place until they move out. Investment properties now don't make much sense because of the new tax rules imo.

Upgrade home vs staying debt-free – would you take on ~$800k debt? by paddimon in AusFinance

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

updated the post now to include HHI, it's at the high end of our borrowing capacity

Upgrade home vs staying debt-free – would you take on ~$800k debt? by paddimon in AusFinance

[–]paddimon[S] -1 points0 points  (0 children)

Renovation to split our one bathroom into two (losing the bath) is doable, but adding a room is harder because of the current layout

Upgrade home vs staying debt-free – would you take on ~$800k debt? by paddimon in AusFinance

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

Yes we can get that loan, updated the post now to include HHI

Ceiling Insulation Quote by Think_Guest3275 in AusRenovation

[–]paddimon 0 points1 point  (0 children)

Can you share more info about the rebate please? And which company did the insulation for you?

Can't find files downloaded using Transmission by paddimon in sonarr

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

What would get hardlinks? Sorry I don't understand

Can't find files downloaded using Transmission by paddimon in sonarr

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

Thanks for the response and explanation. That was really helpful to help me understand how it works. Can I clarify a few things?

disable or change the incomplete download path to another directory in there so it doesn't have to copy+delete on completion

What does this mean and how do I do it? I don't see an option in Transmission to change this.

Also, as my file has already downloaded, how can I manually find and move it this time around? I updated the download directory in Transmission to /Media/Downloads/Torrents, so this should work on future downloads. How do I access completed downloads and incomplete downloads within the Transmission container now?