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26-08-2024, 04:24 PM | #2851 | ||
FF.Com.Au Hardcore
Join Date: Apr 2012
Location: Taromeo
Posts: 10,622
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Should the unthinkable happen and I need to re-mortgage then it won't cost me anything to do it.
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26-08-2024, 08:26 PM | #2852 | |||
Experienced Member
Join Date: Sep 2006
Location: Australasia
Posts: 7,754
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Quote:
I was thinking the same as you but decided to get the title back under our name & cleared from the Bank. |
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26-08-2024, 09:34 PM | #2853 | ||
praek tih kl jo kr
Join Date: Mar 2011
Location: Atwell W.A.
Posts: 1,705
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Depending on how much you would need to borrow, the fact that you own your home any bank will throw money at you without the home as security, you have already proven yourself by paying it off, the only time you would need the mortgage again is if you were borrowing to buy another house/s.
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26-08-2024, 09:38 PM | #2854 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 22,881
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I’d be interested to hear PeterB-CV8’s take on this.
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27-08-2024, 07:21 AM | #2855 | ||
FF.Com.Au Hardcore
Join Date: Sep 2005
Posts: 1,381
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It's the age old dilemma.... My personal feeling is to get the Bank to register their Discharge of Mortgage - so that your Title deed is clear. It's a great feeling to know that a Bank isn't part of your life anymore :-) Yes, it will cost you a couple of hundred dollars - but it's a worthwhile expense just for the peace of mind.
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27-08-2024, 07:44 AM | #2856 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 22,881
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What about the obligation angle; borrowers are generally supposed to inform lenders of changes to their personal situation that credit was originally predicated upon? Surely it would make redrawing difficult if one was honest about retirement…
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27-08-2024, 07:59 AM | #2857 | ||
FF.Com.Au Hardcore
Join Date: Sep 2005
Posts: 1,381
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Just because the Bank might already hold a property as security doesn't mean that they don't have to carry out a complete credit assessment when you ask them for a loan.
Sometimes it can be a good idea to pay the loan balance right down, but keep it open & with access to loan redraw, if you are unsure if you'll meet the Bank's credit assessment criteria. Obviously you'd also need to know that you can meet loan repayments etc. |
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27-08-2024, 09:38 AM | #2858 | |||
T3/Sprint8
Join Date: Jan 2005
Location: Australia
Posts: 16,651
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Quote:
I really don't see what gain there is keeping the acc open ? Your cashed up, no debt, easy as **** if I like to open another loan with ease.
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Tickfords T3/TS50 '02 Sprint8 manual Sept 24 '16 Daily Macan GTS "Don't believe everything you read on the internet. Abraham Lincoln" |
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29-08-2024, 11:23 AM | #2859 | ||
HSV - I just ate one!
Join Date: Dec 2004
Location: Middle of nowhere
Posts: 3,214
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Why is it......
That owners management of long established businesses think its acceptable to say "We've been doing this for xx years, we know better than you" when an employee identifies issues & raises concerns? That management will accept what at best is mediocre performance from employees, overload the few employees they have that are actually fighting to keep the place afloat, then complain about poor performance?
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I dont care if some prius driving eco-hippy thinks its politically incorrect for me to drive a V8..... I'm paying for the fuel! |
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29-08-2024, 11:54 AM | #2860 | |||
T3/Sprint8
Join Date: Jan 2005
Location: Australia
Posts: 16,651
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Quote:
Public or private, so many factors come into this but I know what you mean. Like the ol term, my way or the highway as well. I'm not listenning, well that all comes down what style of appraoch and outlook the fish's head has. IF you don't value good employees input it just recycle and rinse outlook.
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Tickfords T3/TS50 '02 Sprint8 manual Sept 24 '16 Daily Macan GTS "Don't believe everything you read on the internet. Abraham Lincoln" |
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29-08-2024, 07:23 PM | #2861 | |||
Donating Member
Join Date: May 2008
Posts: 12,942
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Quote:
And guess who is the overloaded in this scenario? And guess who has to listen to the complaints so and so isn't working hard enough, then wanting to highlight the subject of daily chit chat at the counter over coffee every morning is a waste of 45 - 60 minutes. Or doing trivial jobs over more pressing concerns. I could go on and on but................
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29-08-2024, 08:01 PM | #2862 | ||
FF.Com.Au Hardcore
Join Date: Feb 2008
Location: Geelong, Victoria
Posts: 4,501
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Seen many managers like that over the years. Yeah they work long hours, because they spend half the day on the phone, then have to catch up on the real work.
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29-08-2024, 08:10 PM | #2863 | ||
Donating Member
Join Date: May 2008
Posts: 12,942
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..............or staring out the window critiquing others, running round in circles all day, taking personal calls during work hours, making small talk with family members, over complicating simple tasks....................
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30-08-2024, 04:55 PM | #2865 | ||
You can't fix stupid
Join Date: Mar 2013
Location: Adelaide
Posts: 453
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Office Space... My favorite all time movie.. Lumberg fusked her..
Peter..... Whaaaats happenin Classic lines. One Man
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HSV, I used to beat one - - For sale: - 2 new Nexan Nfera SU1 245/35/ZR19 tyres - asking $200 Last chance girls & guys - - Current rides: 2007 TRD Aurion 3500s 128,000 Kays and climbing
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30-08-2024, 05:11 PM | #2866 | ||
Shenanigans..............
Join Date: Mar 2007
Location: Footscrazy
Posts: 12,606
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30-08-2024, 05:39 PM | #2867 | ||
Donating Member
Join Date: May 2008
Posts: 12,942
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Well, I haven't had a weekend off since I last took annual leave back in January.
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30-08-2024, 07:02 PM | #2868 | ||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,465
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30-08-2024, 07:27 PM | #2869 | ||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,465
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I have one. Why is it I have enough money in my super to pay off my mortgage with change but can't do it?
If I were to die tomorrow my mum would be down a son and have a fully paid off house and more that she does not need, but today I could tell the banks to get ****ed! I only bring this up because the people at work are doing the sums for the mic drop. A bit older than me but just seems stupid |
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30-08-2024, 07:36 PM | #2870 | |||
Donating Member
Join Date: May 2008
Posts: 12,942
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Quote:
I'm actually gearing up for 3-months long service leave, I've been at the company since 2003 and have yet to take anything other than the usual 2-weeks annual leave. Of course, this leave falling in spring (peak selling period) has me feeling guilty, but I've been waiting two years for the catalyst to this leave (a new car), if not now, then when?
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30-08-2024, 09:02 PM | #2871 | ||
FF.Com.Au Hardcore
Join Date: Jun 2011
Location: Pt Lincoln far side South Oz
Posts: 5,931
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DFB FGXR6, gonna be blunt mate. About time you started thinking about your own self and not them as a business. Family business loyalty yes I get that but if their own family members are more concerned about themselves than the business then why should you.
I was in your position 40 years ago and walked because they gave me no option. They had the position filled within 48 hours and nothing changed. EXCEPT for the betterment of my health and mental well being. Dont think your indespensible. Yes your talents and abilities are, true. But they will fill your spot, abit not the same talents. These days most clients dont care who serves them only they get served NOW. Inform them you ARE taking long service leave. State the dates and stick with it. Dont budge. IF!!! they really care about you, they will work with you. Again If they start going off like stuck pigs 'we cant let you, we need you'. then you have won the battle. If on the other hand they dont care then what are you really to them? Just a comodity, part of the furniture. So much more I could say. But you owe them nothing, with your talents, capabilities, gifts you could hand pick a job anywhere. They owe you for your loyalty, commitment, dedication. Go tiger be the owner and director of your own destiny
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Dont p i s s off older people. At our age the term Life in Prison is not a deterrent |
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30-08-2024, 09:21 PM | #2872 | ||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,465
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A bloke at work had a heart attack the other day and I'm certain in part due to the BS of work if not completely. It aint worth it mate. In fact 2/3 devs have had one, I'm next cab off the rank and I have to change things.
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30-08-2024, 09:38 PM | #2873 | |||
You can't fix stupid
Join Date: Mar 2013
Location: Adelaide
Posts: 453
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Quote:
After reading what you said DFB, sounds to me like it could well be the same in your case. Sure, I don't know the whole story, and sorry to come across sounding callous and all, but don't really want to know. Not my bees wax. Anyways... I used to think I was irreplaceable.. meaning NO ONE could do it better than ME. I am correct by saying that, as I give 110%, 110% of the time I am working for "Da Man".. or "Da Woman". Funny thing is, after I burnt myself out, I was replaced by a dark skinned, non ozzie speaking chap, that was shite.. Yes, he COULD, do the job, just not as well as me. The key words here are "He could do the job". Boss didn't care how it was done, or how long it took to do... he just wanted someone to DO THE job, as he was NOT the one paying wages... he was the logistics manager, not the owner. A pleb if you like. So I say (for what it's worth), take your leave and rest you soul, be kind to yourself. No point wearing your self down to a frazzle just for the sake of someone else's bank balance. Your doing nothing wrong. If they wanna get their back up about it, then I say: I can see a job change on the horizon for you Mr. One Man
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HSV, I used to beat one - - For sale: - 2 new Nexan Nfera SU1 245/35/ZR19 tyres - asking $200 Last chance girls & guys - - Current rides: 2007 TRD Aurion 3500s 128,000 Kays and climbing
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30-08-2024, 10:21 PM | #2874 | ||
Experienced Member
Join Date: Sep 2006
Location: Australasia
Posts: 7,754
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DFB FGXR6, I just clocked up 30 years with my company, the way they presented my 30-year recognition award was one big fn joke, I'm very close to retirement and I'm still treated like a clock card number.
Not many companies treat their workers with respect these days, watch out & look after yourself cause no one else will. |
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31-08-2024, 10:08 AM | #2875 | ||
praek tih kl jo kr
Join Date: Mar 2011
Location: Atwell W.A.
Posts: 1,705
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I Like most people realised it takes a while to know who is important.
The place I now work for get what they pay for, I get paid for 8 hours and that's all they get, I don't do overtime and take all designated breaks, I don't suggest improvements and I don't give advice, if someone asks me a question or asks me to do something I was not employed to do, or that does not relate to the job I'm doing, I shrug my shoulders and tell them "that's not my job", some of the workers do the same but most think that they will get the sack if they don't go above and beyond, I always notice the ones who cause trouble get promoted when the ones that bust themselves for the place get overlooked, I am now a trouble maker The funny thing I must be doing it right, as I got employee of the month over all the butt lickers? Do yourself a favour and only do what you have to for them, they only see the bottom line and know it will happen with or without you, if you have to move on once, twice or how ever many times it takes, you need to work for you, not them. |
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31-08-2024, 01:18 PM | #2876 | ||
T3/Sprint8
Join Date: Jan 2005
Location: Australia
Posts: 16,651
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DFB
2wks annual leave ? Are casual or some kind of permanent casual. The standard is 4wks annual leave unless yours is a typo. Got to say coming from a family biz that we employ 19. We encourage all our team to take their leave annually And if any family issue emergency go go go we respect all. We all have fam and other issues if they need time off we approve it. We also during good annual earnings pass in bonus’s twice a year, EOFY and a Chrissy one. I could say a lot more what we have done for an employee who was in a very bad way and we’d do the same for most of them. Says alot when we have staff who have been with us for over 15yrs. Sent from my iPhone using Tapatalk
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Tickfords T3/TS50 '02 Sprint8 manual Sept 24 '16 Daily Macan GTS "Don't believe everything you read on the internet. Abraham Lincoln" |
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31-08-2024, 01:47 PM | #2877 | ||
DJT 45 and 47 POTUS
Join Date: Sep 2013
Posts: 7,368
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Why is it people say marriage is an institution when most people don't want to live in an institution?
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Falcon: 1960 - 2016 My cars Current ride 2016 FG X XR6 - 6 speed manual Previous rides 2009 FG XR6 - 6 speed auto 2006 BF MkII XT ESP - 6 speed auto 2003 BA XT V8 - 5 speed manual 1999 AU Forte - 5 speed manual 1997 EL Fairmont - 4 speed auto 1990 EAII Fairmont Ghia - 4 speed auto |
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31-08-2024, 05:41 PM | #2878 | |||
Donating Member
Join Date: May 2008
Posts: 12,942
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Quote:
I've been permanent part time since about 2005. That's the culture, work work work work is good, taking time off is an inconvenience. It's "expected" that staff take leave in February because that's the quietest month. Winter? No, because they need the manual labor. Spring? No, that's peak selling period. Christmas? No, peak selling period and the time they want to take off with their own family. Being a single male with no family, what else could I have to do outside of work, right? I have 420 hours of annual leave owing, 120 hours of sick leave. Nearly three lots of long service leave. They all took extended leave last year jetting off to the other side of the world, leaving the staffing situation short..............then expected me to drop everything in my own business to fill that gap. Loosing me for three months in Spring.............they will have to just deal with it. ITS MY TURN. I'm just a big angry typing that.
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31-08-2024, 09:28 PM | #2879 | |||
FF.Com.Au Hardcore
Join Date: Jun 2013
Location: Adelaide
Posts: 1,628
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Quote:
I would take a punt and say your gardening knowledge and car detailing prowess could sustain you full time, you might actually enjoy going to work on your terms ;)
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____________________ 2024 TOYOTA HIACE 2019 LDV G10-GONE THANKFULLY 2009 Mitsubishi Express-GONE 2011 Honda Jazz ____________________ |
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31-08-2024, 09:30 PM | #2880 | ||
T3/Sprint8
Join Date: Jan 2005
Location: Australia
Posts: 16,651
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Man your employers are damn selfish.
Sure we look after ourselves in ways but no way like yours. Your business is nothing without a good crew and looking after them they look after you. I see the comments of I only what meant to do that’s it - and I grew if that’s how your treated. When I visit our customers I just loath seeing their attitudes keeping it to myself and think thank god for the last 30yrs I don’t work for someone - worse a large corporate or big time company for you are but a number. Business is becoming like this more and more - dog eat dog, loyalty out the door, who could you trust ? No one. DFB you deserve so much more mate - I can tell your a concientiois person and take pride in your work, I agree as Tonz and others have mentioned - gtfo, look to work at another nursery - or something please. All that time that owed to you sickening they should be asking you use up leave more regulary or pay you a bonus ! Sent from my iPhone using Tapatalk
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Tickfords T3/TS50 '02 Sprint8 manual Sept 24 '16 Daily Macan GTS "Don't believe everything you read on the internet. Abraham Lincoln" |
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