Australian Politics Forum - Housing Remains Unaffordable

Annie Anthrax

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Re: Housing Remains Unaffordable - Many Struggling.
Reply #45 - Feb 18^th, 2013 at 12:18pm

John Smith wrote on Feb 18^th, 2013 at 8:07am:

Annie Anthrax wrote on Feb 18^th, 2013 at 12:02am:

ian wrote on Feb 17^th, 2013 at 2:20pm:

Im sick and tired of hearing people whinge about how unnafordable housing is. I own rental properties but I have worked hard for them, 7 days a week for years. [....] The fact that many choose lifestyle choices like only working 38 hours a week and spending a large proportion of their income on entertainment, junk food and impulse buys doesnt make housing unnafordable and doesnt make landlords greedy. I resent being labelled "greedy" simply for being a hard worker prepared to sacrifice luxuries. [....] start working hard, 2 jobs if necassary as I have done for decades. Otherwise, quit your whinging. Your lazy, Im not. Thats why I have more than you. Its called work ethic.

No it isn't. It's called deranged. Do you have children? I hope not - they're probably frightened by the strange man that walks through the door because by the sound of your lifestyle, they wouldn't know who you are.

What kind of life is that? Balance is good.

A bit harsh there Annie ... without knowing his circumstances you probably shouldn't comment on his private life. I also used to work 12 hr/ 7 days a week .... at the time, I was single but I realised that if I didn't do it when I was young, I wasn't going to do it. Now I am in a position where I don't have to do so and I can pick and chose when i work. I would never have got myself in this position if I hadn't made some sacrifices when I was younger.

Come now, John. I didn't see you complaining of harshness with Ian's post about the private lives of other members. Coming down on people for working a 38hr week and getting riled if they spend a 'portion of that on entertainment'. What kind of a life is that?

He's worked 2 jobs for decades. I find that sad. It's hardly lazy (as Ian suggests) to not want to spend every waking moment at the workplace. If that's what he (or you) want to do, knock yourself out, but there's no need to infer that people with social lives or interests outside making money are failures.

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John Smith

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Re: Housing Remains Unaffordable - Many Struggling.
Reply #46 - Feb 18^th, 2013 at 12:19pm

Sir lastnail wrote on Feb 18^th, 2013 at 12:08pm:

Could you actually suggest something of value instead of coming here and boasting about your bullshit investment strategy in the past that has now got the country into 1.3 trillions worth of housing debt and pushed up prices to ridiculous levels

I haven't given you any of my investment strategies ... I've used examples of some of my past property transactions to highlight your errors, but thats not the same thing now is it.

I'll say it again, comprehension isn't your forte .

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John Smith

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Re: Housing Remains Unaffordable - Many Struggling.
Reply #47 - Feb 18^th, 2013 at 12:21pm

Annie Anthrax wrote on Feb 18^th, 2013 at 12:18pm:

John Smith wrote on Feb 18^th, 2013 at 8:07am:

Annie Anthrax wrote on Feb 18^th, 2013 at 12:02am:

ian wrote on Feb 17^th, 2013 at 2:20pm:

Im sick and tired of hearing people whinge about how unnafordable housing is. I own rental properties but I have worked hard for them, 7 days a week for years. [....] The fact that many choose lifestyle choices like only working 38 hours a week and spending a large proportion of their income on entertainment, junk food and impulse buys doesnt make housing unnafordable and doesnt make landlords greedy. I resent being labelled "greedy" simply for being a hard worker prepared to sacrifice luxuries. [....] start working hard, 2 jobs if necassary as I have done for decades. Otherwise, quit your whinging. Your lazy, Im not. Thats why I have more than you. Its called work ethic.

No it isn't. It's called deranged. Do you have children? I hope not - they're probably frightened by the strange man that walks through the door because by the sound of your lifestyle, they wouldn't know who you are.

What kind of life is that? Balance is good.

A bit harsh there Annie ... without knowing his circumstances you probably shouldn't comment on his private life. I also used to work 12 hr/ 7 days a week .... at the time, I was single but I realised that if I didn't do it when I was young, I wasn't going to do it. Now I am in a position where I don't have to do so and I can pick and chose when i work. I would never have got myself in this position if I hadn't made some sacrifices when I was younger.

Come now, John. I didn't see you complaining of harshness with Ian's post about the private lives of other members. Coming down on people for working a 38hr week and getting riled if they spend a 'portion of that on entertainment'. What kind of a life is that?

He's worked 2 jobs for decades. I find that sad. It's hardly lazy (as Ian suggests) to not want to spend every waking moment at the workplace. If that's what he (or you) want to do, knock yourself out, but there's no need to infer that people with social lives or interests outside making money are failures.

He commented on his life, and that's his choice to make ... I don't think you have enough information to criticise or pigeon hole him.

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Our esteemed leader:
I hope that bitch who was running their brothels for them gets raped with a cactus.

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Sir Spot of Borg

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Re: Housing Remains Unaffordable - Many Struggling.
Reply #48 - Feb 18^th, 2013 at 2:32pm

gizmo_2655 wrote on Feb 18^th, 2013 at 11:46am:

Sir Spot of Borg wrote on Feb 18^th, 2013 at 11:40am:

gizmo_2655 wrote on Feb 18^th, 2013 at 9:19am:

Sir Spot of Borg wrote on Feb 18^th, 2013 at 9:09am:

longweekend58 wrote on Feb 18^th, 2013 at 7:57am:

Sir Spot of Borg wrote on Feb 18^th, 2013 at 5:28am:

hadrian_now wrote on Feb 17^th, 2013 at 4:12pm:

I think the issue is, it's increasingly difficult for people to get into home ownership within a reasonable distance of the major cities or major suburban/industrial areas without:
1. taking out mortgages they may not be able to sustain in times of financial stress (someone will always sell them one)
2. either putting off having a family until middle age or being prepared to put their kids into extra-long day care & after-school care while they both work all hours of the day.

I don't think the above is an exaggeration, but some might disagree. Of course if one or more is in highly paid occupations it'a different ball game, but I'm talking about average workers here.

Possible solutions:
1. have generous in-laws prepared to house you for years while you save up because it must be hard as hell to save with Sydney rents.
2. after the war (WW2 that is) many people lived in garages for a long time, but I don't think that is allowed now.
3. move to country areas where there is work and housing is cheaper, but in a lot of cases it isn't cheaper anymore. And there is a disadvantage often with the less availability of services like medical

Just a few thoughts.

Yeah rural areas have no transport and other things (like choice of schools etc) and there is less work but the house prices are just as high in most places.

SOB

except that they arent, just another thing you made up.

http://www.realestate.com.au/buy

SOB

You might want to look again...
Mosman: 3 bedroom, 1 bath from $1.5 million
Cootamundra: 3 bedroom, 2 bath, 2 car spaces (2 years old) $319,000

http://ronloiterton.com.au/search/results.aspx?class=1&agtid=1577

Yeah but when you arent dishonest and comparing extremes you will find its about the same in the country rural areas and suburbs of the cities. Most anyway i doubt it costs much for a 5 BR house in dirranbandi.

SOB

so then house prices AREN'T as high in the country as they are in the cities???

Yes they are. Dirranbandi is an extreme as is st ives in sydney. What are you attempting to do?

SOB

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Sir Spot of Borg

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Re: Housing Remains Unaffordable - Many Struggling.
Reply #49 - Feb 18^th, 2013 at 2:33pm

FriYAY wrote on Feb 18^th, 2013 at 11:46am:

Sir Spot of Borg wrote on Feb 18^th, 2013 at 5:28am:

hadrian_now wrote on Feb 17^th, 2013 at 4:12pm:

I think the issue is, it's increasingly difficult for people to get into home ownership within a reasonable distance of the major cities or major suburban/industrial areas without:
1. taking out mortgages they may not be able to sustain in times of financial stress (someone will always sell them one)
2. either putting off having a family until middle age or being prepared to put their kids into extra-long day care & after-school care while they both work all hours of the day.

I don't think the above is an exaggeration, but some might disagree. Of course if one or more is in highly paid occupations it'a different ball game, but I'm talking about average workers here.

Possible solutions:
1. have generous in-laws prepared to house you for years while you save up because it must be hard as hell to save with Sydney rents.
2. after the war (WW2 that is) many people lived in garages for a long time, but I don't think that is allowed now.
3. move to country areas where there is work and housing is cheaper, but in a lot of cases it isn't cheaper anymore. And there is a disadvantage often with the less availability of services like medical

Just a few thoughts.

Yeah rural areas have no transport and other things (like choice of schools etc) and there is less work but the house prices are just as high in most places.

SOB

Air port, buses, shanks pony.

School - 2 private 2 state primary schools - walking distance.

Work - plenty.

Houses - across the street 3 BR, new kitchen, pool, city center in walking distance, schools as well. $210-230K

FAIL...

Shocked

You know that doesnt make any sense right? You obviously left out the point.

SOB

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Whaaaaaah!
I'm a
Moron!

- edited by some unethical admin - you think its funny? - its a slippery slope

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FriYAY

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Re: Housing Remains Unaffordable - Many Struggling.
Reply #50 - Feb 18^th, 2013 at 2:39pm

Sir Spot of Borg wrote on Feb 18^th, 2013 at 2:33pm:

FriYAY wrote on Feb 18^th, 2013 at 11:46am:

Sir Spot of Borg wrote on Feb 18^th, 2013 at 5:28am:

hadrian_now wrote on Feb 17^th, 2013 at 4:12pm:

I think the issue is, it's increasingly difficult for people to get into home ownership within a reasonable distance of the major cities or major suburban/industrial areas without:
1. taking out mortgages they may not be able to sustain in times of financial stress (someone will always sell them one)
2. either putting off having a family until middle age or being prepared to put their kids into extra-long day care & after-school care while they both work all hours of the day.

I don't think the above is an exaggeration, but some might disagree. Of course if one or more is in highly paid occupations it'a different ball game, but I'm talking about average workers here.

Possible solutions:
1. have generous in-laws prepared to house you for years while you save up because it must be hard as hell to save with Sydney rents.
2. after the war (WW2 that is) many people lived in garages for a long time, but I don't think that is allowed now.
3. move to country areas where there is work and housing is cheaper, but in a lot of cases it isn't cheaper anymore. And there is a disadvantage often with the less availability of services like medical

Just a few thoughts.

Yeah rural areas have no transport and other things (like choice of schools etc) and there is less work but the house prices are just as high in most places.

SOB

Air port, buses, shanks pony.

School - 2 private 2 state primary schools - walking distance.

Work - plenty.

Houses - across the street 3 BR, new kitchen, pool, city center in walking distance, schools as well. $210-230K

FAIL...

Shocked

You know that doesnt make any sense right? You obviously left out the point.

SOB

Go away troll.....

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gizmo_2655

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Re: Housing Remains Unaffordable - Many Struggling.
Reply #51 - Feb 18^th, 2013 at 2:42pm

Sir Spot of Borg wrote on Feb 18^th, 2013 at 2:32pm:

gizmo_2655 wrote on Feb 18^th, 2013 at 11:46am:

Sir Spot of Borg wrote on Feb 18^th, 2013 at 11:40am:

gizmo_2655 wrote on Feb 18^th, 2013 at 9:19am:

Sir Spot of Borg wrote on Feb 18^th, 2013 at 9:09am:

longweekend58 wrote on Feb 18^th, 2013 at 7:57am:

Sir Spot of Borg wrote on Feb 18^th, 2013 at 5:28am:

hadrian_now wrote on Feb 17^th, 2013 at 4:12pm:

I think the issue is, it's increasingly difficult for people to get into home ownership within a reasonable distance of the major cities or major suburban/industrial areas without:
1. taking out mortgages they may not be able to sustain in times of financial stress (someone will always sell them one)
2. either putting off having a family until middle age or being prepared to put their kids into extra-long day care & after-school care while they both work all hours of the day.

I don't think the above is an exaggeration, but some might disagree. Of course if one or more is in highly paid occupations it'a different ball game, but I'm talking about average workers here.

Possible solutions:
1. have generous in-laws prepared to house you for years while you save up because it must be hard as hell to save with Sydney rents.
2. after the war (WW2 that is) many people lived in garages for a long time, but I don't think that is allowed now.
3. move to country areas where there is work and housing is cheaper, but in a lot of cases it isn't cheaper anymore. And there is a disadvantage often with the less availability of services like medical

Just a few thoughts.

Yeah rural areas have no transport and other things (like choice of schools etc) and there is less work but the house prices are just as high in most places.

SOB

except that they arent, just another thing you made up.

http://www.realestate.com.au/buy

SOB

You might want to look again...
Mosman: 3 bedroom, 1 bath from $1.5 million
Cootamundra: 3 bedroom, 2 bath, 2 car spaces (2 years old) $319,000

http://ronloiterton.com.au/search/results.aspx?class=1&agtid=1577

Yeah but when you arent dishonest and comparing extremes you will find its about the same in the country rural areas and suburbs of the cities. Most anyway i doubt it costs much for a 5 BR house in dirranbandi.

SOB

so then house prices AREN'T as high in the country as they are in the cities???

Yes they are. Dirranbandi is an extreme as is st ives in sydney. What are you attempting to do?

SOB

How so??...you claimed that house prices were similarly expensive in both the city and the country.
I showed you that Cootamundra (where I live) is considerably cheaper than Sydney...so how is Dirranbandi as 'extreme' as St Ives??

You can buy a 5 bedroom house in Dirranbandi for $195,000, and a 5 bedroom house in St Ives is over $1,000,000...

Dirranbandi is only 1/10 the price of St Ives..So far cheaper to buy in Dirranbandi than in St Ives..

The most expensive house here in Coota (or surrounding areas) is less than half a million...and that's for 5+ bedrooms and all the bells and whistles, a friend of mines son is looking to buy his unit in Western Sydney (2 bedrooms, I think) for about $300K..

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aquascoot

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Re: Housing Remains Unaffordable - Many Struggling.
Reply #52 - Feb 18^th, 2013 at 2:45pm

Annie Anthrax wrote on Feb 18^th, 2013 at 12:02am:

ian wrote on Feb 17^th, 2013 at 2:20pm:

Im sick and tired of hearing people whinge about how unnafordable housing is. I own rental properties but I have worked hard for them, 7 days a week for years. [....] The fact that many choose lifestyle choices like only working 38 hours a week and spending a large proportion of their income on entertainment, junk food and impulse buys doesnt make housing unnafordable and doesnt make landlords greedy. I resent being labelled "greedy" simply for being a hard worker prepared to sacrifice luxuries. [....] start working hard, 2 jobs if necassary as I have done for decades. Otherwise, quit your whinging. Your lazy, Im not. Thats why I have more than you. Its called work ethic.

No it isn't. It's called deranged. Do you have children? I hope not - they're probably frightened by the strange man that walks through the door because by the sound of your lifestyle, they wouldn't know who you are.

What kind of life is that? Balance is good.

depends if ian loves his job. if he does, its not sad at all , its inspirational.

whats sad is those sheeple , walking around shopping centres, buying useless trinkets and fast food (as ian rightly points out) and then bitching about having no money.

they are the ones setting a bad example for their kids.

work your arse off in something you enjoy.
get your kids outside as well.
physically and intellectually challenge them.
self esteem and sense of purpose comes through taking on challenges (a second job, climbing a mountain, running a marathon) and then admiring the view from the top.

lazy, sloppy, whinging people will always see "housing" as a struggle.

see it as a challenge. buy the cheapest sh#thole you can find and do it up.
then you can kick back on the porch with a beer and feel the satisfaction that comes with knowing

'the only time you should feel comfortable, is when youre uncomfortable"

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longweekend58

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Re: Housing Remains Unaffordable - Many Struggling.
Reply #53 - Feb 18^th, 2013 at 3:03pm

John Smith wrote on Feb 18^th, 2013 at 12:16pm:

Sir lastnail wrote on Feb 18^th, 2013 at 12:08pm:

Why don't you stick to the original thread topic instead of criticizing anyone whose opinion you don't like. What is your actual solution to the problem ?

but I'm not the one claiming there is a problem .... you are!

exactly. you are the one claiming housing is unaffordable despite the fact that most do exactly that.

it's just YOU that cant afford it or just as likely WONT afford it.

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AUSSIE: "Speaking for myself, I could not care less about 298 human beings having their life snuffed out in a nano-second, or what impact that loss has on Members of their family, their parents..."

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Sir lastnail

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Re: Housing Remains Unaffordable - Many Struggling.
Reply #54 - Feb 18^th, 2013 at 3:26pm

John Smith wrote on Feb 18^th, 2013 at 12:19pm:

Sir lastnail wrote on Feb 18^th, 2013 at 12:08pm:

Could you actually suggest something of value instead of coming here and boasting about your bullshit investment strategy in the past that has now got the country into 1.3 trillions worth of housing debt and pushed up prices to ridiculous levels

I haven't given you any of my investment strategies ... I've used examples of some of my past property transactions to highlight your errors, but thats not the same thing now is it.

I'll say it again, comprehension isn't your forte .

so your suggestions to help the situation is what ?

Not once have you said to scrap the negative gearing rorts to stop people hoarding properties and bidding up prices and thus denying other genuine wannabee owner occupiers a home that they can own !!

Not once have you said to scrap first home buyers grants which only serve to inflate the bubble.

Not once have you said to stop foreign investors buying and out bidding locals.

You are totally against mandatory architects reports because that would make most houses unsellable and require extensive repairs before they could be sold.

All you can suggest is to blame someone for not buying 50 years ago when they weren't even alive. Hindsight is hardly a solution nor is to keep denying the issues and parrot on about others comprehensions skills Sad

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In August 2021, Newcastle Coroner Karen Dilks recorded that Lisa Shaw had died “due to complications of an AstraZeneca COVID vaccination”.

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Sir lastnail

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Re: Housing Remains Unaffordable - Many Struggling.
Reply #55 - Feb 18^th, 2013 at 3:30pm

longweekend58 wrote on Feb 18^th, 2013 at 3:03pm:

John Smith wrote on Feb 18^th, 2013 at 12:16pm:

Sir lastnail wrote on Feb 18^th, 2013 at 12:08pm:

Why don't you stick to the original thread topic instead of criticizing anyone whose opinion you don't like. What is your actual solution to the problem ?

but I'm not the one claiming there is a problem .... you are!

exactly. you are the one claiming housing is unaffordable despite the fact that most do exactly that.

it's just YOU that cant afford it or just as likely WONT afford it.

850,000 in mortage and rental stress means they are NOT affordable !! Why are you so delusional ? Do you need the evidence again for the 100th time ?

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In August 2021, Newcastle Coroner Karen Dilks recorded that Lisa Shaw had died “due to complications of an AstraZeneca COVID vaccination”.

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Andrei.Hicks

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Re: Housing Remains Unaffordable - Many Struggling.
Reply #56 - Feb 18^th, 2013 at 3:37pm

My parents funded their retirement through holding 4 properties in 4 states of Australia.

Provided accommodation and rental places for students.
Provided capital influx into the country.
Provided them a fairly sizeable increase in capital when they sold.
Provided my sister and I an increased inheritance.

Yeah Lastnail, property sounds like everyone loses all round eh?
You enjoy your rent mate and paying off someone else's mortgage.

Rent is dead money after the month is gone, its gone.
You will never save more than I have made in capital gains from selling property in the same period.

I don't know why you can't see that and I have no idea why you get so angry about it.
Just get on board.

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Anyone who lives within their means suffers from a lack of imagination - Oscar Wilde

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John Smith

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Re: Housing Remains Unaffordable - Many Struggling.
Reply #57 - Feb 18^th, 2013 at 3:38pm

Sir lastnail wrote on Feb 18^th, 2013 at 3:26pm:

John Smith wrote on Feb 18^th, 2013 at 12:19pm:

Sir lastnail wrote on Feb 18^th, 2013 at 12:08pm:

Could you actually suggest something of value instead of coming here and boasting about your bullshit investment strategy in the past that has now got the country into 1.3 trillions worth of housing debt and pushed up prices to ridiculous levels

I haven't given you any of my investment strategies ... I've used examples of some of my past property transactions to highlight your errors, but thats not the same thing now is it.

I'll say it again, comprehension isn't your forte .

so your suggestions to help the situation is what ?

are you deliberately trying to ride me now or are you just plain stupid? I don't think there is anything wrong with the situation as it is

Not once have you said to scrap the negative gearing rorts to stop people hoarding properties and bidding up prices and thus denying other genuine wannabee owner occupiers a home that they can own !!

because I don't think they should scrap negative gearing

Not once have you said to scrap first home buyers grants which only serve to inflate the bubble.

personally, i couldn't care one way or the other about this one ...

Not once have you said to stop foreign investors buying and out bidding locals

You are totally against mandatory architects reports because that would make most houses unsellable and require extensive repairs before they could be sold.

any house is sellable even if it is falling down, you want to repair it you do it, . ... you want the report you pay for it,

All you can suggest is to blame someone for not buying 50 years ago when they weren't even alive. Hindsight is hardly a solution nor is to keep denying the issues and parrot on about others comprehensions skills Sad

and you've proven once again that you do not understand what you yourself are saying. You keep complaining that I'm not offering solutions despite my telling you on many occassions that I DON'T THINK THE SYSTEM IS BROKE .... if you fail to understand that then yes, you have a comprehension problem

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Our esteemed leader:
I hope that bitch who was running their brothels for them gets raped with a cactus.

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John Smith

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Re: Housing Remains Unaffordable - Many Struggling.
Reply #58 - Feb 18^th, 2013 at 3:43pm

Sir lastnail wrote on Feb 18^th, 2013 at 3:30pm:

longweekend58 wrote on Feb 18^th, 2013 at 3:03pm:

John Smith wrote on Feb 18^th, 2013 at 12:16pm:

Sir lastnail wrote on Feb 18^th, 2013 at 12:08pm:

Why don't you stick to the original thread topic instead of criticizing anyone whose opinion you don't like. What is your actual solution to the problem ?

but I'm not the one claiming there is a problem .... you are!

exactly. you are the one claiming housing is unaffordable despite the fact that most do exactly that.

it's just YOU that cant afford it or just as likely WONT afford it.

850,000 in mortage and rental stress means they are NOT affordable !! Why are you so delusional ? Do you need the evidence again for the 100th time ?

maybe those 850 000 should have bought 3 bedroom with single garage rather than go for the 4 bedroom with home theatre and 4 car garage. People make bad decisions, that doesn't mean it is the fault of the market or anyone is ripping them off ... if they stop offering excessive amounts to buy the property, the market adjusts and the vendor has to sell at a lower rate or not sell. No one makes you buy at the higher rate. A simple rule, and not just for properties, is to not spend more than you can afford to repay .....

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Our esteemed leader:
I hope that bitch who was running their brothels for them gets raped with a cactus.

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Andrei.Hicks

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Re: Housing Remains Unaffordable - Many Struggling.
Reply #59 - Feb 18^th, 2013 at 3:47pm

TWO Golden Rules I stick to and offer to you

1. (courtesy of my mate in real estate)

Have three prices.
1. What you want to pay.
2. What you think its worth now.
3. Your top price. Do not ever go over this price, if the auction goes over it then smile and think of the next property you want because this has gone.

2. Courtesy of my old man.

Never, ever borrow more than 3 times your salary for a mortgage. Ever.

Stick to them and you'll be alright.

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Anyone who lives within their means suffers from a lack of imagination - Oscar Wilde

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