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MARYROSE02

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MARYROSE02 last won the day on May 19 2020

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About MARYROSE02

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  1. MARYROSE02

    Returning to the UK

    I didn't really buy the UK house as an investment as I planned to live in it, then I changed my mind and came back to Australia, and it became an investment. I fancy it would have been a better investment if I'd taken out a buy-to-let mortgage. In Australia, provided you structure it right, using negative gearing, you can buy an investment property and pay very little (?) I never did that though. Buy the property or properties on an interest only mortgage, use negative gearing, never pay the mortgage off and let the value of the property grow???? You could still probably do it Paul! I had a mate with a string of properties. My parents helped my buy my flat in Sydney in 1987 and I paid the mortgage off by 1994 at which time I could have sold the flat and bought up in my suburb - Surry Hills - or bought an investment property, or both. I could have been living in a terrace house but now they are out of reach even if I sold this flat and added the money from the English house. On the other hand I'm free of debt which I like. Apart from my mortgage I've never taken a loan out to buy a car/holiday/whatever although I have had some unhealthy debt on my credit card. I spent a lot of my cash on those two big holidays in Perth in 2017 and 2018! Thirteen weeks in apartments, thirteen weeks hiring a car though "No Birds" is a cheaper option than the likes of Hertz. Have you been to South Perth lately? When I was there they were building a complex of units off Mends Street, South Perth Esplanade, Mill Point Road, which are finished now. I know from Booking.Com that there is a new aparthotel place there. Quest South Perth Foreshore It's called. I stayed in the Pensinsula apartments before, very nice, on the Esplanade, and Lodestar alongside the motorway, also nice but a longer walk to Mends St and the Windsor. Actually, $1,000 a week in the Penisular in December into January sounds very reasonable compared to Surfers but I don't think McGowan is opening for Xmas? Anna MAY be however.
  2. MARYROSE02

    Returning to the UK

    They might be renting for a while anyway whilst they look for somewhere to buy. I don't know what I would have done if I'd sold the house as I sold most of my shares and used most of my cash to buy the house. I might have bought a smaller house in England and a "real" investment property either there or in OZ. I've mostly been scrabbling for money for the last few years, partly my own fault for not getting permanent work. However, I suddenly realized that the money I've got untouched in super is basically cash on hand i.e. I don't need to use it to generate a regular income, unless I want to. And with the money from the house sale, that is more cash in hand. When I came back to Sydney I had an regular income of about $1,500 a month supplemented by work when I could get it and I was often selling more shares or spending savings. When my Royal Mail and UK state pensions kicked in I was closer to $3,000 a month without working. Come to think of it that's my income now! I sailed through the lockdown financially because I wasn't going out to pub and restaurant every night. Of course, I no longer have the UK rent but I will have the cash to dip into. Why did you go back in 2015? I can't remember now. I could have stayed there after my Dad died, worked with Royal Mail till 60 or even later. If my brothers had not been here I would probably still be there.
  3. MARYROSE02

    Returning to the UK

    You are right as usual Marisa! I might have advised letting their house out rather than selling it "just in case" they wanted to return. BUT even though I took that option I wish I'd been more proactive sorting things out regarding my homes in both Sydney and Southampton. On the other hand, so far, I'm selling my house in Soton ok bar a few hassles. I do envy the people who land in either UK or OZ and fall to their feet with a cry of "I'm home!" How are you coping with lockdown?
  4. MARYROSE02

    Returning to the UK

    If you back and you like it that's good but if you don't like and return to Australia that's good too. There are two right decisions rather than one right and one wrong. But you may have a period of adjustment to go through because it can be like emigrating all over again. After 18 years in Sydney I went back for what was supposed to be just another holiday to see my parents and I stayed for 12 years. Now I've been back in Sydney for nearly 13 years, toying with the idea of moving to QLD or even WA. I'm in the process of selling my home in England as I've not been back once and I'm not likely to. I rented my home in Sydney when I went to England and rented my home in England when I came back here. I've made a few stupid decisions along the way but what can I do?
  5. MARYROSE02

    Australian and UK Covid Responses

    In some quarters, ie Sky, they say Qld and WA want to keep their borders closed till the next election so the Libs can't campaign there. I don't know if Covid-19 will no longer be a issue. I don't even believe it's gone away yet.
  6. MARYROSE02

    Australian and UK Covid Responses

    You need a hand mirror to examine the back. Once, in Qld I missed a large tuft on the back I use my beard trimmer without the beard grader attachment. Razor for eyebrows? I don't want to shave them off! Decades ago I stabbed my nose trying to trim hair with scissors and my Dad bought me an electric nose trimmer. I may still have it. Mostly I'm wearing a beanie to keep my head warm so nobody can see my cut or lack of it. Where are you? Melbourne? Geelong? How are you coping with the lockdown? Do you "Stand with Dan" or are you relishing his appearance on this investigation?
  7. MARYROSE02

    Australian and UK Covid Responses

    I'll go in to my local hairdresser soon I can cut it myself but I can't trim my beard as well as she can, nor my eyebrows. She is busy this week, hard-working Chinese lady who operates 7 days. Why is it that when you get old hair stops growing on your head but is a jungle on yr eyebrows, nose, and maybe ears?
  8. MARYROSE02

    We are mad Lol

    I heard an ad on 2GB today saying you can book and rebook as many times as you like on Qantas. This is for people booking here in Australia. Not that I'll be rushing to fly to England in winter just as the Ashes tour is confirmed and I've endured three and a half months of lockdown in Sydney's winter.
  9. MARYROSE02

    Australian and UK Covid Responses

    Those first three drinks I had after 105 days tasted FOUL! Then I had a schooner of VB and everything was OK. First decent night's sleep for nearly four months too.
  10. MARYROSE02

    Australian and UK Covid Responses

    Very difficult for people living on a state border. 11,000 Queenlanders stranded on the NSW side of the border I think I read somewhere. I can cut my own hair but my local hairdresser opens today 11th and I'll be in there if she is not booked up. I've reached 105 days - 15 weeks, since I had a drink. Almost seems a shame to start again but I will. I'd like to go to both Qld and WA but no point in booking because nobody, least of all the state govts know when the borders will open. I've heard it will be after the General Election in 2022 so the Libs are excluded from campaigning there. Then again it may be that the hospitals are almost overloaded in the ICUs even without Covid-19. At least the ACT chief minister has not said "ACT hospitals are for ACT citizens" as Anna said about QLD.
  11. MARYROSE02

    Australian and UK Covid Responses

    Lockdown ends at midnight today 10 Oct. Until then nothing changes. We're freer than a couple of weeks ago of course but all restrictions remain in place.
  12. MARYROSE02

    Australian and UK Covid Responses

    70 percent double vaxed reached today - 6 Oct. Freedom from Mon 11th Oct. This is my 101st day without a beer so it must be the 103rd day overall of the lockdown. In the park over the weekend there was an air of "We have almost escaped" amongst the people there. On Sun night (public holiday Monday) there were still groups of people at 1130pm there.
  13. MARYROSE02

    How much do you need to retire in Australia in 2021?

    It wasn't quite that bad at my surgery in Totton, Hants, where we rang after 0830 on weekdays and got an appointment for that day, but no weekends or evenings. Pre-covid there was a 24x7 GP in Surfers. (I'm not sure if it's still going 24x7 but the number of tourists is right down of course. I went there on Xmas Day in 2019. The doctor I liked seeing in Surfers works 7 days a week although I usually went during the week. The single doctor practice I see in Sydney works mornings M to F and he's retiring at Xmas. I'll make the Bondi Jn 7 day clinic my doctors then. Going there on Sat or Sun is no different to during the week unless you are seeing a specific doctor. There's a lady I like who is only there Tue and Thu but I'm happy to take "pot luck". That's nice to know that there's a 7 day clinic on the Sunshine Coast in case I check it out next year when Anna opens the border. I've been there but a long time ago.
  14. MARYROSE02

    How much do you need to retire in Australia in 2021?

    I'm worn out today after staying up to watch Arsenal v Spurs (not an uplifting experience) and going to bed around 4am and rising around 430pm. I didn't sleep for 12 hours. It was more intermittent. If it had started at 0230 I might have tried to go to sleep earlier and watch it on record. I know plenty of blokes who carry on to work after staying up all night. Actually my sleep pattern has not been that good but I put that down to the effects of the lockdown in Sydney - the 14th week, this week. Allegedly, the 15th week will be the last. I think I want to spend my retirement or at least the winter part of it in QLD. Even today, 27th September, there was a chill wind in the park.
  15. MARYROSE02

    How much do you need to retire in Australia in 2021?

    Just the fact that it is open 7 days is reassuring. If I remember rightly, most GPs in England worked Mon to Friday?
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