Thread: Mortgage Repayments

Originally Posted by vnx205

.... I wrote it because a significant number of posts seemed to me to be espousing the idea that success was measured in terms of the size of your salary and the ability to service a mortgage.
It also seemed that a lot of the posts ignored the fact that some people have chosen careers that are not well paid but are essential for society to function.
It also seemed to be the consensus that the reason they were in poorly paid jobs was because they lacked drive.
I believe that a lot of nurses, to take just one example, have the intelligence and qualifications to work in more lucrative fields. I am grateful that they get sufficient satisfaction from knowing that they have made a difference to people's lives that they are prepared to continue to be part of the heath system that we all need.

That is one of the most sensible things thats has been written in this thread and I agee with you 100%. And I think most would agree even though they may not have expressed that opinion in their posts.

Quote:
Originally Posted by stevo68
Whoo whoo whoo, some people are really showing some "poor is me" type attitudes. If some people actually read the context of what I have written, they may understand where I am coming from. My main point in any of this, is if you don't like what you are doing, want to have a better lifestyle...then do something about it. Don't whinge and moan about how tough it is for you or those around you. Stevo

Did you read my post carefully or did you just quote it?
Have you read a couple of my other posts in other threads where I advised people not to draw conclusions about my personal circumstances based on arguments I present?
Why do you assume the information in the post you quoted is about me?
By your logic that would make me a nurse, a childcare worker, a teacher, a member of Apex and Lions, a Scout leader, a sports coach etc. Sorry, but I'm not superman.
Don't assume this is some "poor is me" comment.
Some of us are capable of seeing things from someone else's point of view.

Quote:
Originally Posted by stevo68
Talk about "tall poppy" syndrome coming through loud and clear. What because someone who has taken risks to become successful in their chosen area, should be thankful to someone who has kept society functioning? Does that include a doctor on $200k+ a year? Or somebody who runs a cleaning business turning over $1mill a year in his business? Should the owners of business ( private/SME's provide the majority of jobs to average Austalians), who have taken a risk to put themselves on the line, who provide a livelihood to others, should they also be thanked. Nah, of course not.

The only "tall poppies" I remember cutting down were the spivs, CEO's on obscene salaries and foreign currency dealer and I think I even conceded that we might need some of them.
Which part of my post was an attack on doctors and cleaners or indeed on anyone?

Quote:
Originally Posted by stevo68
Following the notion that " gee what Stevo said, should go make more $$$ doing something else" well the fact of the matter is that people don't. As mentioned earlier risk versus security. The average person would rather a weekly wage, holiday pay, sick pay etc and kudo's to them. A minority of people will take the risk of starting and running their own business in whatever field that maybe...a plasterer...a mechanic.....an accountant...doctor....etc etc. The average person doesn't want the stress or to push themselves. And there is nothing wrong with that, horses for courses, but don't complain about your own choices.

Who's complaining?

Did you miss the following paragraph from my earlier post?

Those people like nurses and people being paid a pittance in early childhood centres and similar jobs have made their choice just like the people for whom a six figure salary is the most important facet of the job. Both groups have to accept the consequences of their decision.

In the original version, the last sentence wasn't highlighted, but it was there just the same.

Quote:
Originally Posted by stevo68
And so what if someone on a high income gets the baby bonus, what they should be penalised because someone works in a lower paying position? Once again the good ol, why he/she getting something I should be getting? To be successful in anything takes time, energy, motivation, commitment ie successful parent, successful business person, successful employee, successful sportsperson etc etc. It just doesn't happen. For some of you, if you arent prepared to take those steps to better your own life...don't poo poo those that do.

I don't remember mentioning the baby bonus.

Quote:
Originally Posted by stevo68
For those that have this notion of the "less fortunate" what are your solutions, when was the last thing you did something about it for them...would you swap places? Actions speak louder than words, for the "woe is me" crowd all there has been is either self negative responses or gee that person earns that, and gee what would happen if this. How about solutions if you care so much, anyone can have a whinge thats the easy part. Why not sell your own home and as thanks to one of these people give them enough $$$ as a deposit. Thats putting your money where your mouth is.

I don't pretend to have solutions to all of society's problems, just as I suspect you don't have solutions to problems such as how we provide childcare, aged care, health, education and similar services at a cost the community can afford while paying employees in those occupations a salary that really reflects the value of their contribution to society.
This post (like most of my posts) is not about me, so I am not prepared to say precisely what I have done to make a contribution to society, except to say that I am satisfied that I have done what I could and my conscience is clear.

Quote:
Originally Posted by stevo68
Finally, I am thankful to people I come into contact with, who have helped me in certain situations. I think that is pretty normal. People who volunteer their time I think is brilliant, I don't have the time so I donate instead. The most important thing I have learnt is that what ever you do or are doing, it is a choice...again re iterating, average person, average intelligence, 2 arms, to legs ie has the opportunities that we all do. I know people who left school before high school, so lacked education, but wanted more for their own life and have been very successful in a range of industries. I also know people who I would call "educated derelicts" who have had every opportunity yet have gone no where.

Regards

Stevo

I said earlier that I wasn't complaining.
What I meant was that I was not complaining about my situation or about the "success" of others. After all we might not even agree about what constitutes success. Some people people might consider that it means earning enough to retire comfortably and ensure that your children are as well off as their peers.
Others might see success as raising a family of children who will be an asset to the world they will inherit.

However,if the only view of the world that someone has is, "I'm doing alright so there can't possible be anything wrong with the system", then I would complain about that person's attitude.
Actually I'm not sure that is true. I'm not sure that there would be any point in complaining. I think I would just be disappointed that they had such a limited outlook.

My original post was not about me.

I wrote it because a significant number of posts seemed to me to be espousing the idea that success was measured in terms of the size of your salary and the ability to service a mortgage.
It also seemed that a lot of the posts ignored the fact that some people have chosen careers that are not well paid but are essential for society to function.
It also seemed to be the consensus that the reason they were in poorly paid jobs was because they lacked drive.
I believe that a lot of nurses, to take just one example, have the intelligence and qualifications to work in more lucrative fields. I am grateful that they get sufficient satisfaction from knowing that they have made a difference to people's lives that they are prepared to continue to be part of the heath system that we all need.

Not everyone is concerned only with themselves. Some people can look at the system and say, "I'm doing OK, but I can see that others may not be."

Well I guess I am flattered that you think that all my comments were directed at yourself, it would seem perhaps that you have not read the context of what I have written very thoroughly. In fact if you had noticed, I bolded the parts I was referencing. The rest you seem to have assumed that it was somehow in respect to yourself. If that was the case, I would have made that crystal clear.

Quote:
Originally Posted by vnx205
.... I wrote it because a significant number of posts seemed to me to be espousing the idea that success was measured in terms of the size of your salary and the ability to service a mortgage.
It also seemed that a lot of the posts ignored the fact that some people have chosen careers that are not well paid but are essential for society to function.
It also seemed to be the consensus that the reason they were in poorly paid jobs was because they lacked drive.
I believe that a lot of nurses, to take just one example, have the intelligence and qualifications to work in more lucrative fields. I am grateful that they get sufficient satisfaction from knowing that they have made a difference to people's lives that they are prepared to continue to be part of the heath system that we all need.

That is one of the most sensible things thats has been written in this thread and I agee with you 100%. And I think most would agree even though they may not have expressed that opinion in their posts.

I would disagree that a large proportion of posts are saying that success is measured in terms of salary and being able to service one's mortgage. I would also disagree with the fact that some people choose careers that are low paid and the point that it has been overlooked...it hasn't...that is a given. Also what is the focus on nurses, I have known a few nurses and they are definately not in poorly paid positions, unless $50k+ a yr is poorly paid. The average wage is around $35k.

Not everyone is concerned only with themselves. Some people can look at the system and say, "I'm doing OK, but I can see that others may not be."

Thats obvious, most people can have that perspective, but thinking it means squat. As you stated you werent talking about yourself, even if you felt that half a dozen of my posts were in reference to you, but others. If such a concern, what have you done lately to help/assist/ fund $$ towards or is it like so many who think it, say it but actually do nothing about it? Just presenting an argument, anybody can do that, putting your $$$ where your mouth is a different kettle of fish all together,

Regards

Stevo

Originally Posted by procrastination inc

quarantining home loans won't give the desired effect.

increasing interest rates works because it forces home owners to review their budgets and curb their spending..

But that's the problem, it's not the people with home loans that are doing all the spending. It's the yuppies and dinks that live in Sydney,Melbourne, Perth etc.. that are renters and buy a new car every couple of years and go to restaurants every night and go overseas two or three times a year.
And no amount of intrest rate rises are going to stop there spending.

Hi all,
I haven't read all the posts but wanted to comment.
I am currently in the 'no' camp. Why?
1. I am ready to buy - I have the funds and capital.
2. I need folk to sell so the market floods and prices relax a little or,
3. Some poor punter will have to sell to avoid forclosure, and I can swoop (I'll ask how they voted before I make an offer).

So it's really just supply and demand.

My 10c worth

Ralph

4; ls it only people over the age of 40 that are allowed to buy a big screen tv! jesus god help, theres no law that says people have to own a house to succeed, you'd be better off putting it all in your super and enjoying life.

See above quote in red,The Great Australian Dream, most Australians are told from a young age to buy a house as soon as they can no matter what.

The average person/family that lives in rented housing is looked apon as failures by most people that do own homes. Think about it how many times have you heard your parents say to someone "my Johnny ownes a nice house at so and so " if Johnny was renting they would say he lives at so and so, they would never say he rents a house.

Basically people are pushed into buying homes and furnishings they can't afford so that they don't look like failures to there families and friends.

Originally Posted by chunk

4; ls it only people over the age of 40 that are allowed to buy a big screen tv! jesus god help, theres no law that says people have to own a house to succeed, you'd be better off putting it all in your super and enjoying life.

See above quote in red,The Great Australian Dream, most Australians are told from a young age to buy a house as soon as they can no matter what.

The average person/family that lives in rented housing is looked apon as failures by most people that do own homes. Think about it how many times have you heard your parents say to someone "my Johnny ownes a nice house at so and so " if Johnny was renting they would say he lives at so and so, they would never say he rents a house.

l

Basically people are pushed into buying homes and furnishings they can't afford so that they don't look like failures to there families and friends.

exzacery, thats what I'm saying in a sense.
mate iv owned a home and sold a home, because the first home was a complete compromise, we were paying way to much for it and it was more of a burden than a home that makes you feel safe and secure.
So we sold it at a profit and we will never buy another until we are what we are buying isnt a compromise, just to own a home. lf you cant have what you want in a home but still you struggle to pay ridicules amount of money to own it, whats the point "in my view".
We are putting it all in super/savings and when the time is wright we will build our own dream for the money.

l think at the end of the day, we all have our own view on it all and really each to there own !
but l really think that we all only make these decisions pertaining to our own situations! and hey l respect that.

cheers

I think the issue of misuse of the baby bonus is very contentious. As long as the kids do not want, who cares what it is used for. The kids will use the big screen as well.
Our kids do not want for anything and a damn site more than the baby bonus has been spent on them.
However, selfish and abusive parents need to be brought to task. If it can be proven that neglect is occuring. It the ones that P&^s it against the wall, spend it on drugs, cars etc but the kids have rags for clothes and do not get fed properly that annoy me.
There are many single mums I have seen just go out and blow it on clothes and makeup on themselves while the kids are not fed. There are also many single mums who do the right thing and struggle too, so no offense intended. There are many couples that do similar as well.

Originally Posted by vnx205

. Sorry, but I'm not superman.

Don't sell yourself short Allan . With a little application, training and wearing your undies on the outside of your pants, who knows?