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Strong Convections posted:Cry me a loving river. They're students, they're allowed to work for 20 hours per week, during session. During breaks in their schooling year they're allowed to work unlimited hours. I'm not supporting the exploitation, I'm just saying that the dodgy businesses should be reported and not the employees being exploited by them.
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Mar 4, 2015 00:40
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Laserface posted:What the gently caress? do you live in a studio with a 90min commute to civilization? When I bought my first place in 2009, it was 15 minutes from Perth and I did so on a $55k salary at 80% LVR. Now it's rented out with the rent covering the mortgage and the other expenses. So I'm not sure why people are counting things in 20-30 year horizons because that property sure as poo poo doesn't cost a whole lot to hold on to. And 5 years of mortgage payments are already covered by capital gains (it was valued when buying the next place)
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Mar 4, 2015 00:43
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The only ideologically pure solution is to eschew capitalism and squat in a mansion
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Mar 4, 2015 00:47
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norp posted:When I bought my first place in 2009, it was 15 minutes from Perth and I did so on a $55k salary at 80% LVR. Hint: people count things in longer timespans because sometimes not everything works out to plan. If you're paying off your principal, then you are okay if you lose your income because you can cash out when you can't afford the payments. You are okay if the market downturns because you can live in the house and wait it out. You are not okay if both those things happen at the same time(they are often affected by the same factors) because you have to sell when you can't afford the payments and are now doing so for a loss because of the market going down. Gough Suppressant fucked around with this message at 00:53 on Mar 4, 2015 |
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Mar 4, 2015 00:51
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tomkash posted:Is it much harder to get a work visa over a student visa? It's pretty horrible, it's not like they are doing it out of malice. They really don't help the already poor regulation of the industry though. I have reported them to the ATO online before (the agency not the workers) but maybe I need to call. I'd have no problem doing it if I knew they were all able to get back paid at least because that would be in the tens of thousands of unpaid wages. Getting a work visa for 20hrs while on a student visa is not that hard. Getting more hours than that is very hard. I myself got stuck between a rock and a hard place when I had a child to an Australian mother and it led to the loss of my visa. I spent way too many years being illegal not being able to do anything at all about it, short of turning myself in an leaving my daughter. I'm out of that situation now after blowing 26k on legal help and am now waiting on to see if my Ministerial Intervention will be successful. I can sit back and see how screwed up it is that people are being taken advantage of by underpaying employers. However I am still thankful that I was able to work at all and earn enough money to survive and stay and be around my daughter. I personally would have a hard time reporting anyone because I know how desperate people can get.
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Mar 4, 2015 00:52
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Mad Katter posted:I'm not supporting the exploitation, I'm just saying that the dodgy businesses should be reported and not the employees being exploited by them. In this case these people are working for agencies (who send them out to work for other businesses), so the two are entwined.
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Mar 4, 2015 00:52
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I guess i was talking more in the context of the Sydney / Melbourne housing bubble rather than one of the most geographically isolated cities on the planet Like if you live in a small american country town recently devastated by the GFC probably your housing prospects are better than someone who is looking for a place not too far from their social/professional epicentre of milsons point Anyway like whoever said the point is not that there is never a good reason to buy a house but that you should never listen to baby boomers or people telling you to buy a house as though they are magic money making machines and financial skepticism is blasphemy against the great Australian dream
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Mar 4, 2015 00:54
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Strong Convections posted:In this case these people are working for agencies (who send them out to work for other businesses), so the two are entwined. I have no idea why you wouldn't just report the agency to the Fair Work Ombudsman or whoever and leave it at that.
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Mar 4, 2015 00:58
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It's when people start talking about buying a first house as an investment that you can write them off as a source of financial advice just like you would write off someone who tells you to borrow multiples of your yearly income to sink into a single hard to move commodity with significant maintenance costs.
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Mar 4, 2015 00:59
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While we're on the subject of home loans and whatnot, it probably doesnt help that the banks actively try to push them on you. I received a call from my bank the other day asking 'We notice you have a lot of money in your offset account. Do you know what negative gearing is? You should spend all of that money on a new investment property!' I replied that i think its a terrible time to buy an investment property and the lady went offscript and admitted that she and her partner agreed and werent going to buy additional houses, then i think she remembered that she is supposed to sell loans and went back to pushing one on me. So i guess those in the industry, even the lower level sales, know its not a good time to buy investment properties, but the banks are pushing it on everyone anyway...
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Mar 4, 2015 01:04
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Mad Katter posted:I have no idea why you wouldn't just report the agency to the Fair Work Ombudsman or whoever and leave it at that. That's exactly what should be done. Am I meant to pretend that somehow that's not reporting the employees too? Like, the ombudsman comes in and is like, hey guys, straighten up and backpay these people, oh but now that you're going legit and doing the right thing, keep employing these students for hours in breach of their visa?
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Mar 4, 2015 01:07
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Mad Katter posted:I have no idea why you wouldn't just report the agency to the Fair Work Ombudsman or whoever and leave it at that. My main concern is that the workers themselves will get into deep poo poo if there is an investigation. Also that they won't be back paid all the money these assholes have made off of their labour. It's not like I can do much anyway seeing as they've been operating for so long and have been getting away with it, I'm only one shitkicker after all. The best case scenario would be the workers getting back paid and then being financially safe enough to choose where to go from there, I don't think that will happen though and these people will end up unemployed or deported and their lives devastated. Ideally I just need to find out if they can safely have a claim for underpayment so I can get the workers themselves to take them to court or if they find other genuine employment and can then claim underpayment but not get themselves deported by the fact they worked more than 20 hours a week while they were on student visas. I can't even get chefs who are australian citizens to take their employers to fair work for working 10-20 hours unpaid overtime a week though so what hope is there.
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Mar 4, 2015 01:11
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It seems odd to me that a lot of people are listing "being tied to one area" as a con for buying as house. Most people, once they have kids, probably want to be in the same area for at least the next 20 years anyway. (And if you never have kids then you'll probably be financially well off enough not to worry about the concerns of housing unaffordability.)
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Mar 4, 2015 01:11
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_Gumby posted:So i guess those in the industry, even the lower level sales, know its not a good time to buy investment properties, but the banks are pushing it on everyone anyway... That's not really true. There are plenty people in the industry still willing to invest and lower level sales staff aren't more likely to be aware than the general public.
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Mar 4, 2015 01:12
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freebooter posted:It seems odd to me that a lot of people are listing "being tied to one area" as a con for buying as house. Most people, once they have kids, probably want to be in the same area for at least the next 20 years anyway. (And if you never have kids then you'll probably be financially well off enough not to worry about the concerns of housing unaffordability.) In all my life I've known literally no adults with children who either haven't moved or don't want to move.
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Mar 4, 2015 01:14
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freebooter posted:It seems odd to me that a lot of people are listing "being tied to one area" as a con for buying as house. Most people, once they have kids, probably want to be in the same area for at least the next 20 years anyway. (And if you never have kids then you'll probably be financially well off enough not to worry about the concerns of housing unaffordability.) Not every one has secure long term work where they live. My parents were both in the Navy and we moved 5 times when i was in school. People in the construction industry are constantly moving to where the work is.
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Mar 4, 2015 01:18
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Seagull posted:In all my life I've known literally no adults
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Mar 4, 2015 01:23
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tomkash posted:My main concern is that the workers themselves will get into deep poo poo if there is an investigation. Also that they won't be back paid all the money these assholes have made off of their labour. It's not like I can do much anyway seeing as they've been operating for so long and have been getting away with it, I'm only one shitkicker after all. The best case scenario would be the workers getting back paid and then being financially safe enough to choose where to go from there, I don't think that will happen though and these people will end up unemployed or deported and their lives devastated. Don't quote me on this, and this is entirely anecdotal, but instances I've heard of where Fair Work has investigated dodgy employers, they're much more interested in making sure that the employers are compliant with the fair work act/relevant award, rather than dobbing workers in to the DIBP. It certainly couldn't hurt to call the Fair Work Infoline anonymously and have a chat.
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Mar 4, 2015 01:34
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freebooter posted:It seems odd to me that a lot of people are listing "being tied to one area" as a con for buying as house. Most people, once they have kids, probably want to be in the same area for at least the next 20 years anyway. (And if you never have kids then you'll probably be financially well off enough not to worry about the concerns of housing unaffordability.) Oh the desire to stay in one area might be huge. Whether you can or not depends on whether there are enough employment opportunities for you to survive any local economic changes, such as losing your job. Staying in one place for 20 years might be an admirable dream, but if you don't base it off hard facts about economic opportunity you're kidding yourself by going out and getting a mortgage. I mentioned Elizabeth quite deliberately. This part of SA was home to the major car manufacturers for decades, but with successive governments removing the guarantees and subsidies for those manufacturers, the factories close, and the people who bought houses there will gradually see them lower in value to nothing. Nobody wants to put themselves in that situation deliberately, so if you are considering it, you'd better be drat sure you know what you're in for.
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Mar 4, 2015 01:38
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tomkash posted:My main concern is that the workers themselves will get into deep poo poo if there is an investigation. Also that they won't be back paid all the money these assholes have made off of their labour. It's not like I can do much anyway seeing as they've been operating for so long and have been getting away with it, I'm only one shitkicker after all. The best case scenario would be the workers getting back paid and then being financially safe enough to choose where to go from there, I don't think that will happen though and these people will end up unemployed or deported and their lives devastated. You take it to the ombudsman, not to court. The students get backpaid (unless the company goes bankrupt) regardless of their being in breach of their visa. The unemployment would depend on the agency- if they NEED people working more than 20 hours a week then students aren't going to be suitable for them anymore and they could become unemployed. Deportation is unlikely (but not impossible) since the ombudsman would need to enquire into the status of the employees and then notify the department of immigration who would need to give a poo poo beyond sending a letter saying "knock it off student", and even then the students would need to fail to give a good reason for the extra work. When the company I worked for had to deal with the ombudsman we had to send through hours worked and amounts paid, nothing about the person's right to work- but that was for an individual complaint rather than a heap of employees so I don't know if that would make a difference.
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Mar 4, 2015 01:38
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quote:Child protection whistleblowers who alerted the Australian Human Rights Commission (AHRC) to child sexual abuse, violence and self-harm on Nauru are being investigated by the Australian federal police. Moving on from Gillian Triggs lets investigate the others kicking up a fuss.
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Mar 4, 2015 01:39
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There's one other thing that hasn't been mentioned about housing, and it's a small one that most people would rather not think about, but most people tend to invest in houses when they are in a stable relationship and both parties can pay off the mortgage together. Love, being a fickle thing, sometimes fades, and said relationships end, creating yet another reason why you might be forced to sell way before you planned to (and possibly during a very weak time in the market). I've had this happen to several mates of mine and they are left holding a share in a property that can't possibly hope to pay off and don't want anymore anyway (because the life you planned to live in it no longer exists).
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Mar 4, 2015 01:40
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Glad to see some ribald discussion from yesterday. Tonight I will follow up with a sequel about what is likely to happen during and after a "bubble bursting".
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Mar 4, 2015 01:45
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Les Affaires posted:Glad to see some ribald discussion from yesterday. Tonight I will follow up with a sequel about what is likely to happen during and after a "bubble bursting". We all get rich in the ensuing chaos yeah?
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Mar 4, 2015 01:46
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hiddenmovement posted:We all get rich in the ensuing chaos yeah? N...no...
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Mar 4, 2015 01:47
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Les Affaires posted:Glad to see some ribald discussion from yesterday. Tonight I will follow up with a sequel about what is likely to happen during and after a "bubble bursting". ribald ˈrɪb(ə)ld,ˈrʌɪbɔ adjective referring to sexual matters in an amusingly rude or irreverent way. "a ribald comment" 
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Mar 4, 2015 01:48
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SadisTech posted:ribald How else would you describe all these "world is hosed" moments
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Mar 4, 2015 01:50
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Zenithe posted:I have a >5 minute commute to work.  Why is it that every anecdotal story that attempts to paint something that is generally traditionally quite challenging (owning your own home) as really easy and straight-forward always tends to omit the vitally specific details which make this instance to be reasonably out of the ordinary in the context of the discussion?
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Mar 4, 2015 01:50
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CLIEV
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Mar 4, 2015 01:53
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Birb Katter posted:CLIEV  truly, he is one of us
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Mar 4, 2015 01:55
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'What is 'kil u are self'?'
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Mar 4, 2015 01:56
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Birb Katter posted:CLIEV https://www.youtube.com/watch?v=cNgxyL5zEAk
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Mar 4, 2015 01:58
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_Gumby posted:While we're on the subject of home loans and whatnot, it probably doesnt help that the banks actively try to push them on you. loving hell, that's such a joke. All four of the big banks are seriously exposed if housing goes south, and they drat well know it. But instead they're out there desperately looking for ways to increase their exposure because stock price trumps financial sanity. Reminds me of that article from a year ago where a mortgage broker argued that parents should remortgage the family home so that they can gift a deposit to their children for a home loan of their very own. Because the only thing better than selling one mortgage is selling two.
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Mar 4, 2015 02:05
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FUUUUUUUUUUUUUUUUUUUUUUUUCK YOUUUUUUU AUSTRALIAAAAAAA Police investigate Save the Children whistleblowers over Nauru abuse report Exclusive: Immigration department asks AFP to investigate submission to Human Rights Commission detailing sexual and physical abuse of children http://www.theguardian.com/australia-news/2015/mar/04/police-investigate-save-the-children-whistleblowers-over-nauru-abuse-report
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Mar 4, 2015 02:06
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Tirade posted:loving hell, that's such a joke. All four of the big banks are seriously exposed if housing goes south, and they drat well know it. But instead they're out there desperately looking for ways to increase their exposure because stock price trumps financial sanity. It's almost as if capitalism actively devalues future and/or potential and/or shared costs
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Mar 4, 2015 02:09
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We all agree we are going to vote against the retrospective education [bill]. Why are we going to do it? This report tells us we should, because we are number one in the world. There’s a million students going to tertiary education in this country. There’s a million more that’s about to go, and a million more that’s just left. They’ve all got parents. So commit suicide Tony Abbott, you know.
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Mar 4, 2015 02:09
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Just in case you had forgotten how evil the government is, DIBP has asked the AFP to investigate the whistleblowers that leaked documents to the Australian Human Rights Commission exposing child sexual abuse on Nauru. http://www.theguardian.com/australia-news/2015/mar/04/police-investigate-save-the-children-whistleblowers-over-nauru-abuse-report quote:Police investigate Save the Children whistleblowers over Nauru abuse report loving hell, this is some sick poo poo. Protest and riot is exactly the correct response to systemic child abuse. What the gently caress is wrong with people. Protests are to the detriment of the good order of operations in the processing centres, but sexual abuse doesn't seem to bother them at all. God loving drat these people are twisted.
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Mar 4, 2015 02:12
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Welpquote:Former Knox Grammar headmaster Dr Ian Paterson has admitted he deliberately tried to hinder a police investigation into abuse at the school and that he tried to cover-up allegations against a teacher..
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Mar 4, 2015 02:14
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Lid posted:Welp SynthOrange posted:FUUUUUUUUUUUUUUUUUUUUUUUUCK YOUUUUUUU AUSTRALIAAAAAAA
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Mar 4, 2015 02:16
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What are the odds of him going to jail for longer than an indigenous teenager who steals his third mars bar from a Darwin corner store
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Mar 4, 2015 02:17
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