Mortgage Repayments

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2nd March 2008, 06:09 PM
cucinadio

Quote:

Originally Posted by Disco_owner

It's a baby Grant to assist you to feed and cloth your baby , and my point was why should the Government hand out to ones who are not in the need of this Grant , he works with me and is on a Extremely good Salaray , between him and his wife they earn a 5 figure salary & he already had a Nice Television but that wasn't enough, he had to keep up with the Jones and Bought a 46" Television from your taxes. so if i took 5K from your Tax money was spent on a LCD TV , Would you be happy with that? come'on Cuciandio...

the basic premise is that if you were given 5 grand buy the tax man you wouldn't say no yhea ! thats what i mean, to make it clear I'm not saying that it should Be spent on a TV but think about the money you've already spent to set yourself up for the new arrival it would easily equate to 5 grand if it was your first so the money you get from the tax man gives that investment back in kind.

cheers
2nd March 2008, 08:42 PM
Bushwanderer

Quote:

Originally Posted by dullbird

may i ask if you were in a well paid job?????
becuase i work with a number of people that could just not posibly even a morgage repayment let alone a house with the way things are rising

is it that you should only be able to have a house if you are forutnate to have a comfortable job.....???
these people work very very hard at there job for little money and some people in life dont work hard at all and dont have many worries in thre lives let alone a morgage payment

what about giving less fortunate people a fair go!!

beacuse the way i see it they would end up getting the money from the government with breaks another way

i dont beleive the governement should pay peoples morgages but i do believe they need to keep an eye on things a bit like the fuel price increases,

Hi Dullbird,
Unfortunately, I have NEVER been in a well-paid job, choosing to work for what I believe in rather than the $$$.

Nonetheless, what I did do was evaluate my circumstances & bought my home within them.

Best Wishes,
2nd March 2008, 08:51 PM
Bushwanderer

Quote:

Originally Posted by Lotz-A-Landies

That is an interesting rationale.

When the interest rates were 17% the house prices were comparitively low (in today's standards). People rarely got mortgages if the repayments were more than 25% of weekly income.

According to RBA figures people are paying something over 35.2% of median weekly income to repay the average mortgage of today.

Figures from the REI suggest that the percentage of income currently spent on average mortgage repayments is 53% more than that paid at the peak during the Keating Government in 1989.

Bushwanderer your foresight cost you therfore 53% less on a weekly basis than my planning. And I am one of the lucky ones who didn't buy at the peak of the market and had more than 20% deposit - yet I am struggling at the moment and I don't even have a family to feed.

Diana

Addit: I know what I should do. Just like Stevo has said, I should get off may backside and go and do something about it. I will stop nursing immediately and leave the hospital system (just one more of 50,000 shortages, so who cares) and get a spiv job where I can make lots of money at anyone's expense. I'll be O.K.

Hi Diana,
In my reply to Dullbird, I advised that I have NEVER been in a high-paying job. Instead, what I did was make home investment decisions accordingly. Like you, it was a struggle, but at no time did I think that the gov't(s) should "bail me out".

While I haven't been in nursing I have tremendous respect for those that are/have, so I only recommend a change if you no longer love it.

Best Wishes,
2nd March 2008, 08:52 PM
stevo68

Quote:

Quote:
Originally Posted by stevo68 https://www.aulro.com/afvb/images/im...016/08/768.jpg
Quote:
Well since we are on it, with my number 4 due in April, I did suggest perhaps an ARB bull bar and winch for the D3 :angel:,
but alas I am with a sensible one, so it will go on baby stuff or repaying what we have already paid out. As my partner had open heart surgery 18mths or so ago, there are extra expenses to make sure she is all well and good with the bub. She is right of course...........dammit :D,

Regards

Stevo

you delivering it yourself are yeh steve:eek::o:D

Hell no...first one I almost passed out when they were giving my ex wife an epidural...had to go have a lie down on the bean bag. Second one, tried to be stronger but again, nurse had to ask me repeatedly if I was alright as was very ashen faced. Third one, watched through the cracks of my fingers as I held up to my face.....and had to have a little sit down :D. So definately the answer is no to delivering the 4th one. Have asked for cable though :cool:,

Regards

Stevo
2nd March 2008, 08:57 PM
sclarke

End of the day we buy what we can afford.....

And dont get screwed along the way.

At one stage i had a house on an acre in Melb, a 10 acre bush block in ballarat and a flat...... but sadly things went pear shapped...

And i made no more than i do now...
Difference is..... i live different now.. why skimp just to say you have it all...
Those with the most toys win.......

Now i have an average house in an average suburb and i have the ability to buy toys when i want.... aposed to having a great house, great weekender and investment and not having a cent to spend on a pizza or a 4wd accessory when i want it.....

I know what life i prefer.....

BTW.... divorce will always cost you no matter what.....:D:D:D
2nd March 2008, 09:26 PM
Bushwanderer

Quote:

Originally Posted by Lotz-A-Landies

Ah Ha - Inflation is all a plot by that gay guy Keynes - he invented it to make all the breeders suffer!

Diana

Hi Diana,
I'm sorry, but I think that this is unworthy of you.

Best Wishes,
2nd March 2008, 09:30 PM
sclarke

Ive just read every post... (unusual for me) to find this is not about morgage hand outs, but "Who makes more money and who has the better house"

So here is my house and my back yard....
Its not the best but its all mine.... and the Banks....

https://www.aulro.com/afvb/images/im...008/03/659.jpg
https://www.aulro.com/afvb/images/im...008/03/660.jpg

And the Baby bonus we will be getting in June...
I'm spending it on a 4.6V8 for the County....:p
2nd March 2008, 09:32 PM
abaddonxi

Quote:

Originally Posted by sclarke

Ive just read every post... (unusual for me) to find this is not about morgage hand outs, but "Who makes more money and who has the better house"

So here is my house and my back yard....
Its not the best but its all mine.... and the Banks....

https://www.aulro.com/afvb/images/im...008/03/659.jpg
https://www.aulro.com/afvb/images/im...008/03/660.jpg

And the Baby bonus we will be getting in June...
I'm spending it on a 4.6V8 for the County....:p

But where's the pix of ya potato patch, Clarkie?

:D:D:D

Cheers
Simon
2nd March 2008, 09:36 PM
Bushwanderer

Quote:

Originally Posted by ROVERNIT

hay i'll buy that, piont made in that case should GST falctuate to stop spending or is that a flog of the dead horse also.
Oh by the way blame Alan Jones from 2GB for that view he said I bought it

Hi Rovernit,
In the case of investment, in a family home or any other area, it is important to choose carefully, the person(s) of whom's advice you select. Alan Jones?:o

Best Wishes,
2nd March 2008, 09:38 PM
Captain_Rightfoot

Quote:

Originally Posted by loanrangie

As i said COST, not loss of earnings.

Sorry I must have missed that. Agreed that over the four years so far the actual cost has been a fraction of the cost of loss of income.

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