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Yes, I agree, life itself is full of changes.... All asset classes become undervalued, on par an overvalued over time, and picking the right time is a quest for all. I think that's what the thread is about how things and times change, there's nothing wrong with change as it is part of life, so...

Yes, it was the year we bought our first PPOR, similar how you describe it, with having the problem with the banks, being short $5K for the serviceability... Ah, and then at settlement took a whole day off work to clean and paint the house, only to find out some curtains went missing....those...