u/Final_Signature1170

Hi all,

I have a PPOR thats @ 6.19% with lender A.
I moved out and have now rented it out, but am going to be moving back in around January.
The loan was a PPOR the entire time, as the broker advised they don't care too much as long as I keep paying it off.

Now I am wanting to buy a 2nd house as an IP. Lender A offers 6.69% for the LVR I am looking for.

But Lender B offers 6.15% for the same loan.

I am wanting to do the house purchase now rather than in January. As my salary is currently high (rural area) and will be moving back to metro in January. So serviceability right now is greater than it will be in January. Will still be able to pay loans off comfortably but getting the loan may be hard.

What's the best approach to this, to enable me to

1. Use my current high salary to maximise my serviceability
   and 2) Keep one loan as a PPOR and the other as an IP

Thanks in advance!

What's the point in that case?

Also those of you that rage at other redditors because they missed one minute comment on one random episode and didn't know something, get a life lol!

I see posts here of people who e.g. work office jobs etc. but seem to have been able to pull of amazing quality renovations.

How does everyone know how to do them?

I now own my first home so never even thought about having to fix anything until now as the last 20 years it was just report it to the real estate. The most I know now is how to fix a leaking tap, but I couldn't imagine being confident enough to tear out a bathroom and re-do it, even with youtube.

Reminds me about when I got my first car. Was too scared to do any work on it myself as I was worried about causing some major and or permanent or expensive damage by doing it wrong.

And what about something like a bathroom reno that requires multiple different skills to learn? Where to even start.

TIA!

Very good condition, full service history, bullbar.
Must be the base version because I can't see a GXL or Sahara or other badge on the back.

I just have no idea how much these high KM LCs go for.
Big spread on carsales.

Thanks!

Hi,
Just confused about the exam part of the clinical encounter on zoom.

Do I just tell the patient
"I'd like to examine you and look for ABC to check for XYZ"

As in, how do I display knowledge of the examination and score marks for it on zoom?

Thanks!

Then it ends with an anti-drug health warning PSA.

Was it an actual reviewer that leaked this? Was the reason one of the producer's wives died from a drug OD.

I agree its a noble cause but its a bit unfair on the viewers to have such a cop out ending.

Hi all.

So used to seeing properties passed in at auction and then go on to a private sale for a while before being sold.

Today is the first I have come across in like 2 years in my area of seeing a house that was for private sale initially but hasn't sold yet and is now going to auction.

What would that imply?
Poor building and pest inspection?
Hidden issues?
Or is this just nature going back to how things should be e.g. cars that can't be sold get sent to auction.

I am a GP Reg.

Admin keep putting through phone calls from outside e.g. hospital doctors or whoever else about patients that are not mine and have another regular doctor in the clinic through to me.

The actual doctor is usually one of the two senior / fellowed doctors in the clinic (who happen to be the owners).

But those doctors often don't pick up the phone (they do work full time and are here), then admin send it to me (or sometimes admin don't like contacting the senior doctors as they are a bit scared of them).

This is annoying me. Just happened even though the patient's regular doctor is here working.

What should I do about this?

I am pretty sure its admin picking the easiest doctor to send it through to. I end up then running 15 mins behind with my actual patients.

And in general, how do you manage unexpected phone calls from outside the clinic? Am I obliged to pick all of these up? We are a single town clinic so its getting a bit overwhelming at times.

Half the joy of GP is being able to plan my own day and not having my RMO phone ring whenever it decides.

Thanks in advance!

* Sorry about the typos and wrong apostrophe use, wrote it between patients and didn't check.

1. Having another child/dependant (esp newborn)
2. A 25 basis interest rate rise
3. $10 000 in HECS debt

Feel free to add to the list

TIA!

That place that Jade was standing
It's not an actual lake
What's the confusion

You heard it first

Thanks for your attention to this matter