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  #21  
Old 15th July 2017, 07:42 PM
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Default Re: Too stupid to have bought a house? Get a high paying job then

I really would take up that proposition pip, but I cannot, unfortunately.
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  #22  
Old 15th July 2017, 08:32 PM
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Default Re: Too stupid to have bought a house? Get a high paying job then

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Does anyone know about the status of Multiple Occupancy titles (MOs)? I think it's likely to be state based - and council based.

I spent a good bit of my 20s living on MOs in Nimbin and far eastern Victoria and back in the 90s there was a push by local councils to not make it easy for new MOs to start up. I have no idea what the situation is like now. Rural and semi-rural communes (MOs) might be something for the near future. They sure as fucking hell come with their problems but what doesnt?

Anyone want to start a secular commune in the mountains east of Melbourne?
Maybe on Mars. Not here. earth is going to shit.
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  #23  
Old 16th July 2017, 08:48 AM
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Default Re: Too stupid to have bought a house? Get a high paying job then

‘There’s no way I could rent alone’: Growing number of Sydneysiders turn to sharehouses - Fairfax Domain linky

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When Jackson Rainbird, 20, moved to Sydney three months ago he started looking for a studio or one-bedroom apartment to rent.

Previously living in Wagga Wagga for work with an airline, he had been living alone comfortably in a one-bedroom apartment for $275 a week.

But when he looked for something similar in Sydney he found it impossible and was forced to drastically adjust his expectations. In Paddington, where he was initially looking, very basic studios start at $340 a week – but can cost twice as much.

“There’s no way I could afford to rent alone,” Mr Rainbird said.

He widened his search and asked his friends, who mostly lived in the inner west.

Now, he lives in a sharehouse in Newtown with two housemates, paying $250 a week each for the 120-square terrace.

And rent is on the rise. In the inner west, the median weekly advertised rent for a house jumped from $750 to $780 in the past 12 months, Domain Group data shows. Five years ago, rents were $650 a week.

It seems many have felt the squeeze on the hip pocket and are pouring into the sharehouse market.

One in nearly six households in Newtown are now made up of housemates.

In the five years to 2016, an additional 11,000 sharehouses appeared in Greater Sydney – pushing this small segment of the market from 4.3 per cent to 4.7 per cent of all homes.

Proportionally, this was the biggest increase of all household types – lone households declined over the same timeframe. It also surpassed official ABS projections.
Much more at linky
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  #24  
Old 16th July 2017, 03:00 PM
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Default Re: Too stupid to have bought a house? Get a high paying job then

I had to bite the bullet and move out of Melbourne and go countryside. It was the only way I could get off the rental cycle.

Fortunately, where I now live has a reasonably good V-Line service, so the commute isn't too crap. Still, it's 2.5 hours on a train per day. I'm single and can afford to make that change. Not everyone can make that sacrifice though.

This is what "oh but the market" people fail to grasp - people aren't just choosing to live close to the CBD because they want to drink soy lattes and eat smashed avocado all day. The majority of jobs are in the CBD. People have families that - amazingly enough - they want to spend time with, not wasting that precious time sitting in a car/train/bus/tram for hours a day. Either decentralise jobs, allow people to telecommute, or bring renting/buying prices out of fantasy land. Because it's getting fucking stupid now.
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  #25  
Old 16th July 2017, 04:20 PM
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Default Re: Too stupid to have bought a house? Get a high paying job then

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pipbarber said View Post

Anyone want to start a secular commune in the mountains east of Melbourne?
Nah, too cold! I'd be up for one in the Hunter valley NSW though, I already live like a hippy!
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  #26  
Old 16th July 2017, 08:29 PM
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Default Re: Too stupid to have bought a house? Get a high paying job then

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Nah, too cold! I'd be up for one in the Hunter valley NSW though, I already live like a hippy!
Too cold? Firewood and blankets. Problem solved. 50C in the near future? Good luck. Actually southern Tasmanian mountains are probably the smart place to build a sustainable long term home I reckon.
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  #27  
Old 17th July 2017, 01:53 AM
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Default Re: Too stupid to have bought a house? Get a high paying job then

I have an idea.

Why don't we remove to Maatsuyker, DeWitt, Flat Witch island group off the southern coast of Western Tasmania while there is still time? They are actually looking for caretakers. It is blowy there though. There is higher ground there. Vegetables get flattened but surprisingly will grow there but chickens will get blown away. It is also rainy.

We would parlay with the Chinese when they take over once America has self destructed soon enough.

We would present ourselves as authentic historical atheist communists, proving Marx and Thoreau's utopian vision, and should be given protection, not to be exterminated like the barbaric English imperialists did to the indigenous Tasmanians.

But I know ya won't do it.

https://en.wikipedia.org/wiki/Maatsuyker_Islands
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  #28  
Old 17th July 2017, 11:33 AM
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Default Re: Too stupid to have bought a house? Get a high paying job then

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I had to bite the bullet and move out of Melbourne and go countryside. It was the only way I could get off the rental cycle.

Fortunately, where I now live has a reasonably good V-Line service, so the commute isn't too crap. Still, it's 2.5 hours on a train per day. I'm single and can afford to make that change. Not everyone can make that sacrifice though.

This is what "oh but the market" people fail to grasp - people aren't just choosing to live close to the CBD because they want to drink soy lattes and eat smashed avocado all day. The majority of jobs are in the CBD. People have families that - amazingly enough - they want to spend time with, not wasting that precious time sitting in a car/train/bus/tram for hours a day. Either decentralise jobs, allow people to telecommute, or bring renting/buying prices out of fantasy land. Because it's getting fucking stupid now.

I remember only about 3 years ago there were studios or 1-BRs in the Mel-BUN CBD going for about $150K to $200K.

We were tempted to move, buy a 1 or 2-BED, and a country place in Bendigo or Ballerat. Some were on Londsdale street etc, quite close in. Stuff like that is quite rare in the Perth CBD -either prohibitively expensive, or if they were a bit cheaper, investor only-not owner-occupier.
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  #29  
Old 19th July 2017, 06:30 PM
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Default Re: Too stupid to have bought a house? Get a high paying job then

I have just built a house, quite a pricey one for Perth ($730K) on a 500 sq m block in a middle range suburb. My partner and I were able to do it because we both have above-average wages and do not have any expensive hobbies. I consider myself reasonably lucky as after only 9 years of work we now have what I plan to be our family home for the next 20 or so years. It is still doable, but I see my friends who have below average wages struggling to enter the market, and if they are single their options are limited to small units on the urban fringe.

There is many contributing factors to this situation but surely negative gearing has to be a big one. Why does the tax payer essentially give investors tax breaks so they can speculate on the property market? Mortgage repayments on the family home are not tax deductible so this essentially is a transfer of wealth to the already affluent.
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  #30  
Old 19th July 2017, 06:46 PM
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Default Re: Too stupid to have bought a house? Get a high paying job then

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WesternGeo said View Post
I have just built a house, quite a pricey one for Perth ($730K) on a 500 sq m block in a middle range suburb. My partner and I were able to do it because we both have above-average wages and do not have any expensive hobbies. I consider myself reasonably lucky as after only 9 years of work we now have what I plan to be our family home for the next 20 or so years. It is still doable, but I see my friends who have below average wages struggling to enter the market, and if they are single their options are limited to small units on the urban fringe.

There is many contributing factors to this situation but surely negative gearing has to be a big one. Why does the tax payer essentially give investors tax breaks so they can speculate on the property market? Mortgage repayments on the family home are not tax deductible so this essentially is a transfer of wealth to the already affluent.
It is hard to get a good debate going on this because political positions are polarised by ideology. We only tend to hear from people who are for negative gearing or against it. This is all rather silly because it like having a debate on whether to have taxes or not.

My view is that negative gearing is essential to the small investor. Because of the small scale of their investment, "mom and pop" investors are very vulnerable to the market, to bad luck [eg awful tenants, etc].

The ones that do the damage, and warp the market are the big developers. They certainly do not need NG tax breaks, because for one thing, they have economies of scale and risk spread over their extensive portfolios.

Not only do they not need negative gearing tax loopholes they can well afford to be taxed, and those funds made available for the poor and working poor to get them into home ownership.
Foreign investment should be tightly monitored and have a balance between healthy stimulation without pricing low income people out of the market.

Remember that investment [at least on small scales] is a type of risk or gamble. The bigger the investor, the smaller the risk, because big investors can employ the brains and market research to make any investment a fairly safe bet. [However greed may make them fail].

Perhaps all these free gifts we give to churches for non-charity activities could be used as a fund to help folks get housing who would normally not be able to?
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