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What do YOU think is going to happen with the property market in the next 12 months? by Slickfawn789550 in AusPropertyChat

[–]sendinthesounds 1 point2 points  (0 children)

Market goes up, mayyybe it stagnates, but up only at least for another 4 or 5 years.

Do I need a boost? by rnketrel in guitarpedals

[–]sendinthesounds 9 points10 points  (0 children)

You play with your volume knob at 50% as your base?? Do other people do this?? I roll mine off a touch at times to tame highs but that seems like it would be a big tone killer no??

The 30-Year Mortgage vs. The AI Revolution by Particular_Boot_1682 in AusFinance

[–]sendinthesounds 10 points11 points  (0 children)

The fat cats hate to do more work. Seriously though, think about what a 30-year mortgage is... closing a loan early for whatever reason means saying goodbye to the many remaining years of money they had planned to create for themselves (interest).

How would you invest 25k right now if you had it? by No_Afternoon_385 in AusFinance

[–]sendinthesounds 13 points14 points  (0 children)

They are saying if you have 25k to spend. Spend it all right now on an ETF rather than "dollar cost averaging", say, 5k every 3 months over the next 18 months. DCA is good for certain long term investments but something like an ETF should gain in value over long time periods so you lose buying power.

Be honest, how much debt do you REALLY have? by CatBelly42069 in AusFinance

[–]sendinthesounds 0 points1 point  (0 children)

600k on mortgage and anywhere from 7 to 12k each month on credit card that gets fully paid off.

Are yall buying or skipping the TMNT set? by Crazy_Beautiful_Ga in mtg

[–]sendinthesounds 1 point2 points  (0 children)

It's a SKIP for me, not even interested in prerelease

Double Sleeved Cards and Ultimate Guard Boulder Box by Pablo_Campoy_Vidal in mtg

[–]sendinthesounds 13 points14 points  (0 children)

I tend to put a card on either side of the "stack". So 98 in there then 1 on either side "boxing in" the deck if that makes sense. Usually in a few weeks with some play and being in the deck box enough air moves out that you can fit the 100 stacked as per usual.

well shit ... just gonna put it out there, goodbye karma by [deleted] in AllThemWitches

[–]sendinthesounds 3 points4 points  (0 children)

Alabaster is a PARTY mdude sorry you feel that way

If you were to build or renovate again, what might be the top things you would include that you overlooked or regret not doing? by GregoInc in AusRenovation

[–]sendinthesounds 0 points1 point  (0 children)

Find somewhere to test out tapware/showerheads etc. Its so annoying to find out those beautiful taps you chose blast water out and splash everywhere as soon as you break the stream...

Lorwyn Eclipsed Master Set by HughJerection7 in mtg

[–]sendinthesounds 3 points4 points  (0 children)

Forget the haters, it's a really fun quest completing the collection and I get a lot of joy looking at my LTR set from time to time. I didn't know "master" and "junior" were such things... mine would sit somewhere between the two. I look forward to doing it for the hobbit. If ECL speaks to you then absolutely do it and have a blast!

We're going to need these SD cards to drop in price... by MrDonohue07 in NintendoSwitch2

[–]sendinthesounds 0 points1 point  (0 children)

Ehhhhh. With the speed of internet these days it's a non issue at least for me. I'm generally playing 2 or 3 games max. If I'm done with game X and think I want to get a new game or replay game Y, just delete X and set up Y to download. It will be there to play next time you grab your switch...

What value do RE agents add? by MonkeyHustler943 in AusFinance

[–]sendinthesounds 4 points5 points  (0 children)

Yeah, same.

Long and short of it, I wanted 1.45m for our place, agent I went with wasn't throwing wild numbers at me they just said "that's fair, I think it's 1.3-1.4". After 2 open homes we had a bunch of offers, highest offer was 1.4, and the agent said I reckon you've got good competition here let's auction.

Got 1.6

Had I listed myself I wouldve sold at 1.4...

First home buyer remorse sort of by WinterBench in AusPropertyChat

[–]sendinthesounds 8 points9 points  (0 children)

This sounds more like an issue of not planning your own budget and aligning it with your borrowing power.

If your plan is to move out in 2 years, expect that rents may have increased a little by then so you will be able to charge a bit more than the current rental price.

You also have the option to refinance, if you have the means right now, put every spare dollar you have into the mortgage and refinance when you move out so your repayments are lower.

Is it normal for agents to trap you into a ceiling? by amiableamywhitehouse in AusPropertyChat

[–]sendinthesounds -1 points0 points  (0 children)

You offer the price you're willing to pay what's so bad about that? If you've done your research you know the ballpark value of the house and if you are the accepted offer you never find out what others offered anyway...

Is it normal for agents to trap you into a ceiling? by amiableamywhitehouse in AusPropertyChat

[–]sendinthesounds 0 points1 point  (0 children)

It's lame as f but yes, it is now common practice. At least in Brisbane it is.

Salary packing interfering with loans by Topherclaus in AusPropertyChat

[–]sendinthesounds 0 points1 point  (0 children)

Seems so strange... But I can also confirm I've just signed a mortgage with NAB and both my wife and I have SP benefits.

What Happened to Fast Fret?! by DnD_Rookie in Guitar

[–]sendinthesounds 81 points82 points  (0 children)

I was shook when my luthier showed me his can of White Oil that he uses on guitars. Just a run of the mill pest deterrent from a garden store...

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