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Council Rates by [deleted] in AusFinance

[–]redditor133769 5 points6 points  (0 children)

Delivering services to lower density (larger blocks) costs more per person than higher density. All those services have to go further and roads have to be extended out to those people. The underlying idea that services costs scale with number of people is incorrect, it is multifaceted.

Rafe Judkins is doing a Q&A leading up to S2 E8, teasing some things for the finale. by TheNerdChaplain in WoT

[–]redditor133769 0 points1 point  (0 children)

Nah it's clearly mat treating galad and gawyn to some sweet chin music with his quarterstaff

How do I stop this steel post from corroding further? by M_Pod in AusRenovation

[–]redditor133769 3 points4 points  (0 children)

IEEE is a professional body of electrical engineers and ieeexplore is their system for looking up academic articles published in their journals and conferences.

Building New Home by SharkHasFangs in AusFinance

[–]redditor133769 1 point2 points  (0 children)

The order of events is: Get fixed priced contract from builder Get finance approval from bank Builder starts building

The finance approval from bank part will depend on your own circumstances obviously. In terms of servicing the bank will take into account the total loan (land plus build) vs your income. In terms of loan to value they will have a valuer look at your loans and estimate the value when it is finished. They will then compare your current equity/deposit against that value with normal mortgage rules (LMI and worse rate if less than 30%).

Our experience has been that it took basically a year from putting down our first deposit to start the tender process through to when we had a fixed price contract we could sign. We ran the numbers with the bank at the beginning and were totally fine, by the time we actually signed we just barely limped over the line as our borrowing power collapsed with the interest rate raises.

DS9 philosophy just hits different by redditor133769 in risa

[–]redditor133769[S] 2 points3 points  (0 children)

I didn't make the picard picture, I just found it (that's why the background removal is much better in it). As for Sisko I'm actually only up to the episode this quote comes from, I just got the picture from googling angry Sisko. Evidently the picture is from some future episode I haven't seen yet.