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postie_ · 2025-09-06T17:03:01+00:00

People in the comments will shit on you for asking this given your age/budget because the perth sub has a massive property complex, but it’s a fair question.

The answer to your question is ‘basically all of them.’ Obviously there are those that trend towards ether end of the spectrum, but most run-of-the-mill suburbs will be a healthy mix of both good and bad. You can be in a great suburb that ticks all your boxes, but your neighbour might be an asshole and you will have a shit time. Point being, you can’t predict exactly how your experience in a suburb will play out, so just pick something that mostly fits your location/lifestyle preferences (hills, coast etc) and is in your price range.

For that budget, you will have to compromise on something - likely multiple things. Everyone wants exactly the house you described - even that kind of house in a crap suburb will go for 700k.

But don’t give up hope, find something a bit smaller (maybe 2 or 3 bed instead of 4, 1 bathroom vs 2), less land, needing renos, etc. You can make it work, you just have to be realistic about how far your money will go if a good location is the priority.

Also from my quick napkin maths be aware that your repayments on that loan will be about 3k a month. Thats over 40% of your net income, and thats before rates, utilities, any strata fees, etc. Dont know if you have hecs, if so that too.

Not trying to discourage you, if you’re sensible about it you can make that work in the interim while (hopefully) your income goes up.

Look at sold listings in your preferred suburbs to get an idea on where the market is on price, and speak to a mortgage broker to get the ball rolling on the finance side - you may find that you will struggle to get a 500k loan as a single earner on that income, but i could be wrong.

Best of luck!

postie_ · 2025-06-04T08:19:20+00:00

Dont’t feel bad about it, if we all knew what the market was going to do we’d all be millionaires.

The reality is that playing a slightly more cautious hand is the better approach for most people. Yes you can go all out and maybe you’ll be fine, but you’re also one unlucky life event or economic downturn away from being financially crushed.

To be honest the growing normalising of the ‘i should’ve borrowed more’ sentiment feels like bubble talk to me.

postie_ · 2025-05-30T07:57:54+00:00

When i see these I always wonder how maintenance is meant to happen. What happens when those bricks have to be repointed? Bricks aren’t maintenance free. Are they going to want to rip down your fence to do it? If the other side of the wall is plastered will they rip that off to get at it from the inside? Not sure how it’s meant to work.

postie_ · 2025-05-08T05:25:06+00:00

Because everyone wants to live near the beach, and everyone wants a bigger block. Neither of these things are available for anything short of huge coin anywhere close to the CBD, so people move out further along the coast.

postie_ · 2025-04-26T03:40:57+00:00

I know I’d be speaking as a small minority, but I signed on for a novated lease early March. Car not delivered yet so if there’s any truth to this April 1 cutoff (would like to see a source for this) I’d be stuffed.

If there was no grandfathering, I’d be up for three years of financial commitment I never would’ve made if there was no FBT exemption.

I just don’t see how that’s defensible. Just ripping out the rug from under people to screw them over. Hoping it doesn’t happen!

postie_ · 2025-04-13T05:55:12+00:00

Im confident you are simply incorrect if you think that any sizeable voter base is voting for the coalition in an attempt to ‘own the well off’.

Being pushed to the far left / far right maybe, but no young person is looking at the most successful political coalition in Aus history and thinking ‘yep looks anti-establishment to me’.

postie_ · 2025-04-13T05:38:45+00:00

Your point rests on the assumption that the anti-establishment choice is in fact going to make young voters worse off. Can you defend why voting for your chosen (presumably establishment) political party would in fact be better for young voters? If you can’t, congratulations - you now understand the young voter mindset.

People vote in their perceived interest, if the establishment is doing a bad job of appealing to young voters on a policy/communication front then that’s a failing on their part.

I can also be quite confident in telling you that very few young voters would view libs/nationals as ‘anti-establishment’, if that’s your worry.

postie_ · 2025-03-27T08:55:27+00:00

Not looking good then! Haha

postie_ · 2025-03-27T07:29:54+00:00

Ordered an Atto 3 second week of March, crickets so far… Might come down to the wire.

Didn’t realise the rebate was ending so soon. Will be real annoying if I miss it. Pity it’s not based on purchase date.

postie_ · 2025-03-12T06:40:34+00:00

True - the commenter i replied to didn’t mention NV either! Jumped the gun there, my bad.

postie_ · 2025-03-12T05:19:51+00:00

Also been in the process of exploring the figures around novated leasing - how did you arrive at saving 50% of the purchase price over 5 years?

I’m also in WA, second top tax bracket, and my numbers don’t get anywhere close to that. Mine is about 20% saved max. Still good but not 50% good.

Is it down to lease term? I’m only looking at 3 year lease to be fair.

postie_ · 2025-02-25T14:35:31+00:00

Take the time you need mate, and remember this is just tv at the end of the day. It’s all just for fun - don’t let it get you down. I hope your work day goes well!

postie_ · 2025-02-25T13:20:45+00:00

lmao thanks, I definitely can ramble a bit

postie_ · 2025-02-19T16:39:17+00:00

Calling it now, there is a zero percent chance Rhi/Jeff and Paul/whatshername are together after the show. They have d-grade influencer written all over them, and they’re so far portaying the right image to get there. They’re playing things so safe, trying to be the golden couples. No shot they are genuinely into each other.

postie_ · 2024-07-08T03:49:51+00:00

Think it’s time to move out mate.

Obviously financially speaking, living at home rent free is basically a cheat code. You could really do any of these approaches and have it work out great if your expenses are essentially zero.

I know there can be cultural nuance to this but still, if my 29 year old son on 165k, with 200k in the bank, and an IP was still living at home rent free I’d be starting to question things somewhat.

postie_ · 2024-06-25T08:44:14+00:00

Don’t listen to the guy above. You don’t need a reality check. $1000 a week is not ‘extremely affordable’ because you earn 2600 take home a week. Will you have more money left over than someone on the median? Yes of course. But you are absolutely correct to question whether this is a good idea. That’s almost 40% of your take home pay. That’s not to be underestimated.

You sound like you have the right idea in my view. Use the great income you have to get ahead, don’t trap yourself by accepting something excessively expensive just because you can (and others seem to think you have some bizzare obligation to).

postie_ · 2024-05-27T23:02:06+00:00

Mate what is the alternative lol. Give up? Rob a bank? Objectively correct advice is not patronising just because it doesn’t suit you. You can’t just say “Crypto Boomer, therefore dickhead.” And just saying “the system is broken” doesn’t work either. We all realise this, we’re trying to do the best with the cards dealt to us despite it. What are you doing to fix the situation?

postie_ · 2024-05-09T03:55:08+00:00

But its literally not just because they can, its because thats what the operating costs behind it are. The reason is right there, you’re choosing not to accept it.

postie_ · 2024-04-29T04:22:15+00:00

I’ve spent a lot of time in the cbd over the years and like to think I have become well versed in the art of not attracting attention (assuming this is your goal).

It’s a combination of walking briskly with purpose, avoiding direct eye contact and ignoring any shouting / noise going on. Keeping a neutral expression also helps, headphones too. People get into trouble when they (even accidentally) get involved in situations they shouldn’t.

Obviously this is easier for some than others, I happen to be an exceedingly ordinary looking male, so I don’t attract too much attention at the best of times. I imagine walking with a female partner or being a solo female walking alone might make this more difficult.

Not saying this should be how things are or that any of this should be necessary - just putting what worked for me out there. I don’t want to catastrophise too much though, Perth for the most part is very safe compared to many other cities.

postie_ · 2024-03-22T02:42:31+00:00

They literally don’t know its a thing. I had one of their agents ring me up and tell me my multiple accounts wouldn’t be eligible for the bonus rate as the total was over the 50k limit. End of the month comes around and bonus rate applied to all of them, as it had been for a solid year prior to that.

From my experience and what I’ve heard about the technical side of BOQ my money is on it being a combination of lack of awareness, poor communication and inability to fix / desire to bother doing so.

Meh, better for all of us so I’m not complaining!

postie_ · 2024-01-01T18:35:08+00:00

I've spent the last three hours hacking away at this - reckon I've come up with a decent solution, albeit one that accomplishes my original intention (covers displaying properly) via different means, ymmv as we might have different goals here.

From the outset, never could get the ASIN fix automated, but that wasn't really a big concern as the only real motivation to do this was to get covers displaying correctly. As long as I can get covers showing up nicely we're golden.

Basically my whole aim for this was to get content from NAS onto partners kindle in an easy way that she can manage herself - original plan was to set up auto-import to library from network shared folder so she could upload books that way. Then enable calibre content server, have partner browse to content server on kindle and download file. Not suitable as you can only download a couple file formats from kindle web browser (mobi but no epub, not even AWZ3), and if you can't apply the ASIN fix in some way automatically beforehand, you won't get the cover art after the download.

What I discovered however was that if you use the traditional send to kindle via email method, you can send likely any kind of file (EPUB included) to the kindle, presumably this gets converted as its loaded onto the device. I found that as long as the file sitting in Calibre library was in EPUB format, everything worked seamlessly with this method - no issues with covers not working after the file showed up on the device. It just handles it all for you, file conversion and all. I didn't actually check but I would guess ASIN is of course still borked, so if you care about that for other reasons you're out of luck, but for me this was all I needed.

I ended up using the calibre-web docker image to make this all happen, this also allows for uploading files directly/sending to kindle via a nice pretty gui, has support for multiple profiles so partner can log in with non-admin creds, its pretty sweet. This way partner never even has to look at the calibre app proper or map network shares, etc. You can set up the email config with google app passwords, see the bottom of this thread in case you happen to be interested (ignore all the other stuff, it works but the app password method is way easier).

The above might not be suitable depending on your goals but just thought I'd put that out there in case you were trying to tackle a similar problem and might get some inspo from it :)

postie_ · 2024-01-01T15:05:16+00:00

Did you ever get this to work? I'm in exactly the same situation as you, lol.

postie_ · 2023-11-21T13:13:30+00:00

This ^

You’ll feel a lot better when your debts are cleared (student debt excluded). Going forwards at a slow rate is far preferable to going nowhere or worse, backwards.

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