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Old 03-20-2019, 06:20 PM
 
2,628 posts, read 3,153,047 times
Reputation: 1492

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Quote:
Originally Posted by BCC_1 View Post
I've never been a fan of The Gap. Much better clothing shops out there.
I'll send you the T shirt, next time in London. I'm sure you'll wear that with pride. Nothing at all wrong with you gearing up in 'op shops' (perhaps that's not an OZ term, come to think of it) so charity shops.
One can, I believe, miss and match and formulate quite an individual identity, not so readily achievable off the rack high street shops.
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Old 03-20-2019, 11:47 PM
 
Location: Brisbane
3,447 posts, read 5,345,845 times
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Quote:
Originally Posted by the troubadour View Post

But housing costs remain the killer. How did this forty year mortgage become norm? A big jump from the fifteen year mortgage of not too long ago.
I actually had no idea 40 year mortgages even existed. It looks like they are issued by a couple of small lenders in Australia. Google's first page directed me almost entirely to various uk based websites.
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Old 03-21-2019, 12:30 AM
 
Location: Various
689 posts, read 296,391 times
Reputation: 703
[quote=the troubadour;54732587]How did this forty year mortgage become norm? /QUOTE]

It's not. In fact it is incredibly rare.
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Old 03-21-2019, 12:41 AM
 
Location: Various
689 posts, read 296,391 times
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Quote:
Originally Posted by the troubadour View Post
I'll send you the T shirt, next time in London. I'm sure you'll wear that with pride. Nothing at all wrong with you gearing up in 'op shops' (perhaps that's not an OZ term, come to think of it) so charity shops.
One can, I believe, miss and match and formulate quite an individual identity, not so readily achievable off the rack high street shops.
Gee troubadour, this continued faux superiority schtick reveals a lot about your values. Disdain for suburban dwellers, people who shop at second hand stores, using the term housewife and calling men female names as a pejorative.

It doesn't really reconcile with the "progressive" persona you are trying to cultivate here. Your posts will need to come with a trigger warning for all these intersectional micro-aggressions.

Yes I know, you preface your insults with things like "nothing at all wrong with...." in a weak attempt to disguise your true thoughts. But adults can see through such devices.
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Old 03-21-2019, 03:02 AM
 
Location: Various
689 posts, read 296,391 times
Reputation: 703
Quote:
Originally Posted by Aussiehoff View Post
Gee troubadour, this continued faux superiority schtick reveals a lot about your values. Disdain for suburban dwellers, people who shop at second hand stores, using the term housewife and calling men female names as a pejorative.

It doesn't really reconcile with the "progressive" persona you are trying to cultivate here. Your posts will need to come with a trigger warning for all these intersectional micro-aggressions.

Yes I know, you preface your insults with things like "nothing at all wrong with...." in a weak attempt to disguise your true thoughts. But adults can see through such devices.
Couldn't edit, but I just caught up with another of your posts, so we can now throw disparagement of the elderly to the list too.
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Old 03-21-2019, 06:51 AM
 
2,628 posts, read 3,153,047 times
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Quote:
Originally Posted by Aussiehoff View Post
Gee troubadour, this continued faux superiority schtick reveals a lot about your values. Disdain for suburban dwellers, people who shop at second hand stores, using the term housewife and calling men female names as a pejorative.

It doesn't really reconcile with the "progressive" persona you are trying to cultivate here. Your posts will need to come with a trigger warning for all these intersectional micro-aggressions.

Yes I know, you preface your insults with things like "nothing at all wrong with...." in a weak attempt to disguise your true thoughts. But adults can see through such devices.
Golly gosh Aussiehoff, are you telling me your a bloke? Well I never. First time you clarified gender, so now that we are all in know, we can bang on. I can certainly see where your sense of my superiority would derive from reading your posts. Reactive in most every case rather than reflective and actually having something to say, I realise safer that way, as well as obviously not wanting to reveal too much of the ideological beliefs you hold, but it has clearly been disclosed but don't be shy, I'll debate you down to the wire, but I'll go gently, as you are obviously of a sensitive persuasion (probably why I didn't pick the gender, straight of) as to not offend, just please attempt to put something down worth debating. If that's too hard, fine just continue to peddle out what you do if that's what you term fulfilling. In turn, I'll amuse myself


Just as I will comment on whatever I see fit. Be that mortgage salesmen, doing dodgy loans (oh, not one are you?) tell me I'm getting hot,or the price of living in outer suburbia, (in your race to score a brownie point, you missed the onus 'outer') Lets have some adults that can relate in an adult way. If you happen across one , not laden in libertarian or other far right dogma, point them in the right direction to enable a discussion of sorts to actually be undertaken.
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Old 03-21-2019, 07:00 AM
 
2,628 posts, read 3,153,047 times
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Quote:
Originally Posted by Aussiehoff View Post
Couldn't edit, but I just caught up with another of your posts, so we can now throw disparagement of the elderly to the list too.
Best not attempt to undertake exercises that you are incapable of fulfilling. Yes my disdain for the aged, goes as far as calling for a long overdue Royal Commission into the entire abusive aged care system in Australia.
The abuse has gone on for decades. You have any take on such matters, critically important to the well being of society, One of many things, I might add requiring urgent attention in this country.


Back to the sandpit to play but really naughty children shouldn't spread lies. They tend to fall over on a banana skin, inflicting pain, bawling their eyes out for weeks.
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Old 03-21-2019, 07:08 AM
 
2,628 posts, read 3,153,047 times
Reputation: 1492
Anyway back to election. ALP certainly deserves a look in. 15 years jail for dodgy banksters, together with shonky corporates of fines up to $525 million if elected.


Not that I believe it would go through in its entity, if much at all will change, but the thought of it is somewhat cheer inducing.
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Old 03-21-2019, 07:25 AM
 
2,628 posts, read 3,153,047 times
Reputation: 1492
Quote:
Originally Posted by danielsa1775 View Post
I actually had no idea 40 year mortgages even existed. It looks like they are issued by a couple of small lenders in Australia. Google's first page directed me almost entirely to various uk based websites.
40 year loans have been around for quite some time. Not exactly big yet, but can be used to get First Home Buyers in, some investors, but hardly something to recommend, obviously.
The cost would add many a very substantial addition in cost than more traditional 25 to 30 year loans , of course, especially when interest rates rise.


One can se the 40 year loan increasing in frequency if house prices were to continue to rise. I am unable to establish the per cent of mortgagees with loans of this duration at the present time.


Far better for increasing numbers to allow prices to fall, preferably in a controlled way, but the real estate lobby is pushing hard for a rate cut and keeping NG.
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Old 03-21-2019, 05:48 PM
 
Location: Various
689 posts, read 296,391 times
Reputation: 703
Quote:
Originally Posted by the troubadour View Post
One can se the 40 year loan increasing in frequency if house prices were to continue to rise. I am unable to establish the per cent of mortgagees with loans of this duration at the present time.
So you acknowledge they aren't normal as you first claimed for some reason. The reason you can't establish the % of mortgages at that level is because it is so small it isn't even measured or reported on.

With regard to interest rates. Next move will be a cut. And probably one further after that. If you think the the RBA takes guidance from the realestate industry, you are misguided on that too.

Last edited by Aussiehoff; 03-21-2019 at 05:57 PM..
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