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https://thenewdaily.com.au/money/pr...date%2020181015quote:Nearly one in 10 Australian mortgage holders have little or no real equity in their home, and that number is set to rise if property values continue to fall as expected. 
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Oct 15, 2018 08:30
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Senior Libs are trying to own Alex Turnbull on twitter and they're doing as well as you might expect: https://twitter.com/alexbhturnbull/status/1050993394955087874
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Oct 15, 2018 08:31
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we've owned our apartment for about 2 months now and already have equity in it (i mean its about $10k but still), how are people that bad at finance
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Oct 15, 2018 08:33
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GoldStandardConure posted:we've owned our apartment for about 2 months now and already have equity in it (i mean its about $10k but still), how are people that bad at finance house prices only go up up up!
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Oct 15, 2018 08:43
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GoldStandardConure posted:we've owned our apartment for about 2 months now and already have equity in it (i mean its about $10k but still), how are people that bad at finance Because they bought a mcmansion in Yokine for $1.6M, when nothing in yokine is or ever was worth more than $800k on the top end. Yes that's right twice what they should have paid. TOP JOB!
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Oct 15, 2018 08:53
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GoldStandardConure posted:we've owned our apartment for about 2 months now and already have equity in it (i mean its about $10k but still), how are people that bad at finance Those loans are probably interest only given there are loads of those five year bombs waiting to go off between now and 2022.
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Oct 15, 2018 08:53
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GoldStandardConure posted:we've owned our apartment for about 2 months now and already have equity in it (i mean its about $10k but still), how are people that bad at finance "we have some equity in our house, let's use that to buy another property and stick it on interest only to keep repayments low and enjoy the money, because house prices can only go up" *two months later* " Our broker revalued the investment property and if we go up to 80% lvr on both, we can get a second investment property. stick it on interest only to keep repayments low and enjoy the money, because house prices can only go up" Repeat 3 times. Five years later "strewth, why have our mortgage repayments tripled" "what do you mean the interest only has expired? What's interest only? What do you mean the loan balance hasn't changed in 5 years and house prices are falling? This is bloody outrageous. I'm going to the prime Minister about this" "which one?" "... Julia?"
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Oct 15, 2018 08:57
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The above is a real life example with the names omitted to protect the stupid
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Oct 15, 2018 08:57
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The other one is that anyone who borrowed to 80% lvr at the peak of the market will no longer have enough equity to refinance so they are stuck with whatever lender they chose for the foreseeable future. Particularly since at the 5 year mark you still aren't paying off enough capital to keep above the 80% mark in a falling market.
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Oct 15, 2018 08:59
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Don Dongington posted:Because they bought a mcmansion in Yokine for $1.6M, when nothing in yokine is or ever was worth more than $800k on the top end. noice
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Oct 15, 2018 09:04
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i'm a farmer
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Oct 15, 2018 09:06
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atm i'm a temporarily embarrassed farmer but when i get the chance to actually loving farm i am a prodigy at it
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Oct 15, 2018 09:07
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JBP posted:Air refueling. Note that China's Air-to-Air refueling is currently 12 1950's era Tupolov 16's with a range of maybe 6,000 km. The do have a plane called the Y-20 that is to use as a air-to-air refueling platform. It entered service in 2016, and China has 10 of them. No word has come out as to if they have started training their refueling crew, as this is not a skill that is picked up overnight. These planes cannot refuel each other (See: Operation Black Buck) and have a range of 4,500km. As with all Chinese aircraft, the engines are made elsewhere, in this case Russia. China is claiming that they have the Shenyang WS-20 ready to enter production, which can generate around 2/3rds of the thrust of the PW2000 that Australia uses in the the C-17 Transports. It should also be noted that domestic Chinese turbofan claims have repeatedly been exaggerated, as producing the crystal alloys that make up a modern turbofan blade is non-trivial, especially for a country that succeeded in making a 100% domestically sourced Ball Point Pen in January 2017. This has been your friendly reminder that Air-to-Air refueling being used in an "Attack-Australia" scenario is so ridiculous even whichever brain is powering Tom Clancy's rotting corpse thinks it is too ludicrous.
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Oct 15, 2018 09:15
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The leader of the Tasmanian Greens has doubled down over a Hobart council candidate's alleged links to China's Communist Party, telling party colleagues accusing her of racism to "do their research", as the woman at the centre of the row revealed she has been targeted by slurs. Australian citizen Yongbei Tang, who is standing at this month's Tasmanian local government elections, has strenuously denied being influenced by China through her links to the Australian Council for the Promotion of Peaceful Reunification of China (ACPPRC), a group widely regarded as an arm of China's Communist Party and formerly run by prominent political donor Huang Xiangmo — the man at the centre of the foreign donations scandal which brought down Labor Senator Sam Dastyari. Loopholes in legislation allowing for non-citizens of Australia to vote in Tasmanian local government elections led to some, including former Hobart lord mayor Sue Hickey, to complain of the potential for the voting roll to be stacked by candidates. The legislation also allows for business owners to vote twice. Ms Tang has categorically denied membership of or influence from China's Communist Party, and has said she resigned from her vice-chair role with the ACPPRC earlier in the year. In September, she was quoted by News Corporation as saying: "I am very grateful for the chance to be an Australian citizen, my children have grown up here and I appreciate Australian values ... I just want to give back. I am not a member of the Chinese Communist Party. I'm a good Australian citizen". Ms Tang has said the media storm around her council candidacy, including an open letter from a group of Hobart-based Chinese Australians saying she did not represent their interests, had taken a heavy emotional toll, culminating in her election signs being defaced with racist slurs over the weekend. But Greens Leader Cassy O'Connor today rejected accusations from within her own party that she had indulged in "dog whistling" politics and reaffirmed she had based her comments on assessments from Australia's security agency ASIO. "Anybody who knows me knows that I don't have a racist bone in my body," she told ABC Hobart this morning. In September, Ms O'Connor told the Tasmanian Parliament Ms Tang had authored an article in Chinese News Tasmania newspaper, which she said included passages translated from the original Mandarin to English such as "Australia is a society dominated by white people" and "one councillor is far from enough ... we need to put a nail in Tasmania's politics and add another one four years later ... we have dominated business circles, now we need to establish ourselves in politics". She singled out Ms Yongbei Tang as the editor of the newspaper, adding the article represented "a fundamental misunderstanding of democratic parliaments in the Westminster system". Ms O'Connor today told ABC Hobart her comments were based on "compelling evidence of a programme of interference in domestic politics by the Chinese communist government" and were not based on Ms Tang's ethnicity. "I believe in human diversity because diversity gives us strength and it's really unfortunate that those people who've said those really awful things haven't gone to the trouble to inform themselves of the body of evidence of Chinese government interference in domestic politics," Ms O'Connor said. She said Chinese interference in foreign governments was something "from Canada to the USA, New Zealand, Australia, we know this is happening". Ms O'Connor, who served as multicultural affairs minister in the former Labor-Green Tasmanian government said she was "an ex-journalist by training, I am inquisitive and I do my research". Criticisms from fellow Greens, including Hobart council candidate Holly Ewin — who described Ms O'Connor as "somebody I admire and respect greatly ... still capable of stuffing up" — were wrong, Ms O'Connor said, suggesting such comments were "hard to bear". "When these accusations come from people who haven't taken the time to do the research, they're difficult to bear but because I know it's not true and because I know we have a duty to defend democracy and we are committed to taking this further because democracy is very fragile." While condemning the racist slurs being directed towards Ms Tang, Ms O'Connor said she bore no personal responsibility for the attacks over Ms Tang's Chinese heritage and laid the blame with the "nasty, right-wing elements of our country who would want to make this about race". "Some people would like to put that personal responsibility on me, but I think it's important to remember that we have had other candidates run for election in Tasmania and they too have experienced racism," she said, naming candidate Zelinda Sherlock and Labor senator Lisa Singh. Ms O'Connor said "there is a small and deeply unpleasant element of our community and it doesn't take much to trip them off". 'I feel disgusted, sad and ashamed' Ms O'Connor said while Ms Tang, a resident of almost 20 years, had denied undue influence from China, she would take guidance from Australia's intelligence community which has linked two organisations Ms Tang has had previous associations as part of the "global propaganda arm of the Chinese government". Ms Tang said the storm over her candidacy had caused her stress and she declined to be interviewed, instead issuing a statement: "My campaign poster located in New Town was vandalised with a racist slur. I feel very disgusted, sad and ashamed. "I believe that most Tasmanians are kind and welcoming people to our diverse country. "So, I'd like acknowledge it's not the majority of Tasmanians but a select few who have these racist thoughts."
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Oct 15, 2018 09:24
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Jesus loving christ why do the Greens even exist anymore?
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Oct 15, 2018 09:28
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evilbastard posted:Note that China's Air-to-Air refueling is currently 12 1950's era Tupolov 16's with a range of maybe 6,000 km. Trap sprung I googled Chinese plane and saw air refueling in a movie.
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Oct 15, 2018 09:28
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Aesculus posted:Jesus loving christ why do the Greens even exist anymore? "I mean yeah there's the environment; but what about Reds Under the Bed?!" -Tasmanian Greens Strategy Meeting
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Oct 15, 2018 09:34
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once my neighbours' steers got into my yard because an apple gum branch fell on the fence, they were standing their ground against me and i don't have much experience with cows so i was terrified but i asked ariel for help and he gave me the strength to dominate them, round them up, and herd them home. halfway across our paddock they all suddenly got very excited and frolicked away back to their home with their tails curled up (it's so cute when cows do this) and at that moment a double rainbow broke out overhead. feeling completely blissful and at one with the universe, with the cows and with my ghost husband, i walked back up to the house and only then did i find that someone had broken into our shed and stolen our ride-on lawn mower and both our water pumps, so for the rest of the weekend we were dealing with the police and we couldn't flush the loo. amen
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Oct 15, 2018 09:37
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Aesculus posted:Jesus loving christ why do the Greens even exist anymore? to preference labor
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Oct 15, 2018 09:37
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The only ethical way to vote in Australia is to draw the traditional dick on your ballot, draw a square next to it, and then write 1 in that
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Oct 15, 2018 09:42
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you can't vote for yourself
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Oct 15, 2018 09:43
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tithin posted:The above is a real life example with the names omitted to protect the stupid wow 
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Oct 15, 2018 09:43
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Aesculus posted:Jesus loving christ why do the Greens even exist anymore? 
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Oct 15, 2018 09:49
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Reclines Obesily posted:to preference labor Or if you'd prefer, to split the vote among those who don't want to vote Tory.
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Oct 15, 2018 09:57
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Aesculus posted:Jesus loving christ why do the Greens even exist anymore? Ethical capitalism.
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Oct 15, 2018 10:02
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quote:The Morrison government is split on whether to support Labor’s call to amend discrimination law to prevent religious schools firing gay staff. 
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Oct 15, 2018 10:07
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https://twitter.com/cporterwa/status/1051755158202273792?s=19 ahugefukkenironicat.gif
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Oct 15, 2018 10:10
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Which way did Morrison vote on SSM?
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Oct 15, 2018 10:12
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LIVE AMMO ROLEPLAY posted:Which way did Morrison vote on SSM? He campaigned against then abstained from voting.
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Oct 15, 2018 10:15
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politics in this country has veered so far from meaning that it's like a cartoon that i check in on occasionally that has zero impact whatsoever on my life, especially as the world collapses into climate madness
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Oct 15, 2018 10:17
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Senor Tron posted:He campaigned against then abstained from voting. Can't wait to see the LNP talking about how they were the party that made it happen lol
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Oct 15, 2018 10:18
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they hate racism?! *votes one nation*
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Oct 15, 2018 10:23
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https://twitter.com/senatorlucy/status/1051765354479771648?s=20
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Oct 15, 2018 10:39
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I deplore white racism specifically when called upon by Pauline Hanson to do so
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Oct 15, 2018 10:40
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She's cooked loving hell.
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Oct 15, 2018 10:41
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Someone motion it's OK to be Muslim.
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Oct 15, 2018 10:45
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Did the LNP only just figured out it was racist slogan after voting for it?
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Oct 15, 2018 10:47
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Zenithe posted:Someone motion it's OK to be Muslim. The greens in their station as PHON for lefties should so this.
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Oct 15, 2018 10:47
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No you see Muslim isn't a race and therefore it's impossible to be racist against Muslim, whereas Christian is a persecuted minority that needs protections and freedoms
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Oct 15, 2018 10:56
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lol woopsie, i notice theyre not mentioning the word white in their defence just racism in generalTokamak posted:Did the LNP only just figured out it was racist slogan after voting for it? look its monday they just got back from the weekend
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Oct 15, 2018 10:57
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