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On you go
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Aug 23, 2017 07:23
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| # ? Jun 9, 2024 23:43 |
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I forget what happened with Norfolk Island but didn't they run out of room to imprison seemingly the entire male population of the island for rape?
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Aug 23, 2017 07:34
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https://www.youtube.com/watch?v=l1YmS_VDvMY
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Aug 23, 2017 07:39
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https://twitter.com/michaelkoziol/status/900245907211288576
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Aug 23, 2017 07:57
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Also that he doesn't respect the second amendment, or something.
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Aug 23, 2017 08:00
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As everyone in this country who Governor Phillip is and deport everyone that says I don't know (everyone)
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Aug 23, 2017 08:02
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Is Abbot the Latham of the Liberals
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Aug 23, 2017 08:08
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Inescapable Duck posted:I forget what happened with Norfolk Island but didn't they run out of room to imprison seemingly the entire male population of the island for rape? no that was Pitcairn island
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Aug 23, 2017 08:09
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The mad monk should appeal to the Royal Knight Prince for help on this matter. Maybe he'll write back this time or acknowledge receipt of mail.
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Aug 23, 2017 08:12
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Take down statues of Cook? What a great idea!
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Aug 23, 2017 08:14
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I thought we were against people that come by boat and force their customs onto the populace instead of adapting to the pervading way of life???
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Aug 23, 2017 08:23
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GoldStandardConure posted:less real estate stories, more bear stories Also some mortgage broker stories. Basically, everyone involved in buying property are total and complete morons. Also, because mortgage brokers are the only people in the whole chain not actually getting paid directly by anyone (their whole income comes from the bank), everyone tries to make brokers do everything that they don't want to do because they don't have to pay for it lol. Buyers are just as bad as everyone else. Here are some of my favourite stories: - Bank managers, on multiple occasions, straight-up told my husband to get their clients to fake pay stubs, since they didn't make enough money to actually afford their mortgage. - People would literally ALWAYS lie about their debts. Then the banks would find out about them, because duh, and the clients would go "oh I didn't know you meant CREDIT CARD debt". They would also bring in their Christmas pay stub with a 3k bonus on it and be like "yes I make $5k a week every week please enter this in as my regular weekly pay". People would go to INSANE lengths to be approved for mortgages they didn't have a hope in hell of being able to be approved for. - This one isn't exactly incompetence but one client of Mr. Hookshot bought a property with the intention of tearing down the lovely house that was on the block and building a new one. They got denied for their loan not because they couldn't afford it, but because the house was SO lovely that the bank (one of the major 4) decided that the house actually detracted from the value of the land so much that they thought what the lady paid - the assessed land value - was more than what the property was worth and denied the loan. - Every single time someone got hit with a fee or something from not paying their mortgage on time or whatever my husband would get an irate phone call blaming him for not telling them about it. Because of course it was his fault that they forgot that he did explain it to them, and that they didn't read the contract themselves. - One guy from New Zealand who owned four properties over there came here and got the first home owners grant, since New Zealanders were entitled to it. He kind of just shrugged his shoulders and was like "yeah I probably shouldn't be allowed this but I am so whatever". - Multiple people left to find a different broker when my husband wouldn't fake their pay slips. - One of the most popular things to do for unemployed people trying to buy a house was to fake a payslip and say they worked for BNP or some such company. 99% of the time when the banks saw that big a company they decided it would be too hard to actually get through to someone in HR who could confirm the person's position so they would just let it slide without actually checking the employment records. This was DURING the GFC. I guarantee you things have not gotten better.
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Aug 23, 2017 08:53
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I must be a dumb mother fucker because my partner and I were just straight up honest and only borrowed what we could potentially pay back. Our situation was a lot different because this was 12 years ago, but people are stupid with money to be trying to fake that poo poo.
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Aug 23, 2017 09:03
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HookShot posted:
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Aug 23, 2017 09:04
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Why fake your pay in order to get a larger loan approved? You'd already be borrowing at your limit and now you're stretching it even further. What is the plan for paying off even six months of mortgage payments? It's financial suicide, actively sought and self-inflicted.
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Aug 23, 2017 09:14
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starkebn posted:I must be a dumb mother fucker because my partner and I were just straight up honest and only borrowed what we could potentially pay back. Our situation was a lot different because this was 12 years ago, but people are stupid with money to be trying to fake that poo poo. Most of this would have been around 12 years ago, my husband was a broker from 2004-ish to 2010. Most of these stories are from when I lived there, so 2008-2010. "Oh it's just temporary and I need to buy now so let's just fake up a payslip it's ok the guy at the bank says people do it all the time."
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Aug 23, 2017 09:17
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AgentF posted:Why fake your pay in order to get a larger loan approved? You'd already be borrowing at your limit and now you're stretching it even further. What is the plan for paying off even six months of mortgage payments? It's financial suicide, actively sought and self-inflicted. For the purpose of this mental exercise assume that some people are just so stupid that they are unable to think actions through to their logical conclusion.
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Aug 23, 2017 09:29
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HookShot posted:Basically, everyone involved in buying property are total and complete morons. When I was working indirectly in mortgage finance (online application software), this was the case. Brokers were idiots. Banks were idiots. .
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Aug 23, 2017 09:30
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AgentF posted:Why fake your pay in order to get a larger loan approved? You'd already be borrowing at your limit and now you're stretching it even further. What is the plan for paying off even six months of mortgage payments? It's financial suicide, actively sought and self-inflicted. Then you sell the property for that sweet sweet capital gain!
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Aug 23, 2017 09:43
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As the Big Short put it- NINJA loans. No Income No Job Applications, 'these people just want homes  'After all, if the price on a house will only go up, you can always sell for profit before you run up too much debt, right? Right? *takes a second mortgage to buy 2 more 'investment properties'* starkebn posted:I must be a dumb mother fucker because my partner and I were just straight up honest and only borrowed what we could potentially pay back. Our situation was a lot different because this was 12 years ago, but people are stupid with money to be trying to fake that poo poo.  though it has been amusing when I meet a financial person who tries to pull some of that poo poo off before realising it wont fly with me. At least one of them gave me a clearcut explanation about how I can save tons of money through mortgage shenanigans, while all I heard was 'heres how negative gearing is hosed'
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Aug 23, 2017 09:49
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holy gently caress Fiona Richardson has died today. quote:AAP / 20 minutes ago She only announced yesterday she would not be re-contesting next years election: http://www.abc.net.au/news/2017-08-22/fiona-richardson-to-leave-vic-parliament-tumour-diagnosis/8831282 Edit: From the ABC article yesterday quote:Australia's first minister for family violence prevention, Victoria's Fiona Richardson, is taking extended leave to battle several tumours and will not contest her key inner city seat at next year's state poll. drunkill fucked around with this message at 10:47 on Aug 23, 2017 |
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Aug 23, 2017 10:42
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Ah jeez
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Aug 23, 2017 10:44
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DancingShade posted:For the purpose of this mental exercise assume that some people are just so stupid that they are unable to think actions through to their logical conclusion. Everyone genuinely believes they're going to earn more and more money over time forever and that the loan amount is easy once they get the big increases.
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Aug 23, 2017 10:47
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http://www.abc.net.au/news/2017-08-23/community-development-program-driving-up-crime-senate-told/8835990 Turns out the program that took away centrelink money if people didn't do 25 hours of 3d printer training a week (for effectively dollars an hour) has had a detrimental effect on people's lives Who knew.
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Aug 23, 2017 12:11
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My first car was a stick
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Home ownership should be independent of your employment or income, good to see Australian banks supporting the proletariat 
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Aug 23, 2017 12:16
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'Cocky' Bill Shorten wants to inflict socialism on a new generation, Mathias Cormann says God forbid! quote:The finance minister, Mathias Cormann, says Bill Shorten is banking on enough young Australians forgetting the “historical failure of socialism” to prosecute a Jeremy Corbyn-style politics-of-envy campaign – which would deliver only “economic decline and social division”. As opposed to the current political and economic climate, wherein
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Aug 23, 2017 12:23
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Should have made up something more believable, like a vote for Bill Shorten being a vote for the return of the Black Death or something like that. Because unions are something something rat plagues something disease and death. *steals and misappropriates millions of taxpayer money in the meantime*
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Aug 23, 2017 12:30
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drunkill posted:holy gently caress Suicide? Surely cancer isn't that unpredictable of a killer.
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Aug 23, 2017 12:41
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Jonah Galtberg posted:Suicide? Surely cancer isn't that unpredictable of a killer. It absolutely can be. I've known a couple of people who were undergoing chemo, all indications were treatable, suddenly died out of nowhere. Cancer can cause all sorts of unpredictable haemorrhages and the like, depending on type and location.
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Aug 23, 2017 12:50
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Didn't know that! Thanks for the new knowledge.
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Aug 23, 2017 13:19
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If Bill Shorten wants to bring us Socialism then I say bring it on
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Aug 23, 2017 13:25
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Have a look at Brian on the tobacco health warnings re. effects of aggressive tumours
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Aug 23, 2017 13:32
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G-Spot Run posted:Anidav what's your anecdotal take on the new rules on foreign investment from I think Friday. Will it alter the flow of money into housing investment or will they give no fucks A bit late but, here's a good read on this: https://theconversation.com/why-china-is-cracking-down-on-overseas-investment-82763
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Aug 23, 2017 13:50
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Zenithe posted:Have a look at Brian on the tobacco health warnings re. effects of aggressive tumours I thought I heard somewhere that Bryan actually died of AIDS or some other terrible ailment and outside of the timeframe they specified in the warning.
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Aug 23, 2017 14:01
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Interesting how we may soon become a Republic but also a victim of Chinese Neo Colonialism.
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Aug 23, 2017 14:03
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Anidav posted:Interesting how we may soon become a Republic but also a victim of Chinese Neo Colonialism. People's Republic of Australia Though on a serious note, last I heard China is already peaked and desperately trying to stave off an economic crash/basically playing pretend with its economy on a massive scale.
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Aug 23, 2017 14:28
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Sorry to interrupt the yellow peril chat but here is some soft core porn courtesy of Mark D. https://www.buzzfeed.com/markdistefano/van-mannen-you-played-yourself Buzzfeed posted:“You’re motivating a group of people, the large portion of them young, who are naturally going to vote against you at the next election,” the strategist said.
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Aug 23, 2017 14:43
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Does GetUp even have that much influence or is just another case of the right making GBS threads the bed after being confronted with left-leaning views on facebook?
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Aug 23, 2017 15:18
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People hate the Brian photo so much. I've had numerous people get super angry, and insist that Brian was actually a gay man that died of AIDS and his being on the cigarette packet was some awful government conspiracy. That and the foot. Man people hate the foot. When I fill the cigarettes at work I always make sure to bring all the Brians and all the feet to the front.
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Aug 23, 2017 15:26
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Sparticle posted:Does GetUp even have that much influence or is just another case of the right making GBS threads the bed after being confronted with left-leaning views on facebook? They failed to keep the liberals out of government twice despite fairly earnest and we'll organised efforts to inform the public, so I'm going with the latter. That said, none of the FTA tv channels would air their anti-Abbott adverts in 2013, even when they crowdfunded the cash to buy the advertising block, so that's a thing.
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Aug 23, 2017 15:36
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