LemonShapedRock » posts

poll What should the Government do with HECS debts?

Hi all, Amidst the Coronavirus pandemic and economic impacts, I had gotten me thinking what the Government should do (if anything) regarding HECS repayments. I'm still formulating my opinion, …

450
$50/$100 Referral Bonus for New Customers @ ING

expired $50/$100 Referral Bonus for New Customers @ ING

Hi all. Looks like this is back! ING are running a promotion where existing account holders can refer new accounts and both will receive $50 or $100, or one will receive $50 and the other …

ubank

New Home Loan Direct with UBank or via Broker?

Is it better to go with Ubank direct for a home loan or with a broker? Any good brokers in Melbourne to recommend? Cheers

American Express

AMEX Velocity Platinum Comp Flight Availability

Hi all, Just wondering if anyone has an experience with the Amex Velocity Comp flight? I'm choosing between this card and the ANZ Adventures card, but the adventures card requires at least 60 …

What Is The Difference between Land Tax and Rates?

Hi all, I feel like this will be an obvious one for some, but can't seem to get a clear answer. I believe land tax is paid to the SRO and is except for Principal Place of Residence and Rates …

ING

ING Home Loan out of Cycle Rate Increases?

Hi all, I'm thinking about taking out a home loan with ING, however all of the online reviews say that right after they settled on the loan ING applied a series of out of cycle rate …

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500 Bonus Krisflyer Points - New Account Registrations

expired 500 Bonus Krisflyer Points - New Account Registrations

KFLY

Signup for Singapore Airlines Krisflyer program and receive 500 Bonus Points using the promo code: KFLY

American Express

AmEx No Longer Offering Retention Bonuses

Hi all, Just an FYI, according to AMEX there has been a change in the laws in Australia starting Jan 1st 2019 which prohibits AMEX (and potentially other institutions) from offering retention …

Have You Applied to Have Early Access to Your Super and Been Successful?

The ATO permits the early access of your Super benefit under certain circumstances. Has anyone tried to withdraw their super early? Curious to see how flexible the ATO are.

Motley Fool Australia

Is The Motley Fool Share Advisor Service Worth It?

Hi all, Just curious whether anyone else has subscribed to this before and whether anyone has any inout on the topic?

40
15% off All Bedding Products (Mattress, Pillows, Bed Frames etc) @ Koala

expired 15% off All Bedding Products (Mattress, Pillows, Bed Frames etc) @ Koala

Looks like Koala are having a 15% off site wide sale! Nice timing ti pickup on of their pillows!

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AmEx Qantas Points Bonus Transfer Promo - Transfer X Points and Receive $X Flight Voucher

expired AmEx Qantas Points Bonus Transfer Promo - Transfer X Points and Receive $X Flight Voucher

AMEX Platinum Charge card holders now have the option to transfer their AMEX points to Qantas and receive a bonus Qantas voucher based on the below tiers: As a valued American Express Platinum Card …

American Express

Upcoming Changes to AMEX Earn & Redemption Rates

From April 15th 2019 AMEX will undergo sweeping change to it's Earn and Redemption rates to all of it's credit cards. The trend is …

500
Earn Double Status Credit on Flights between Australia and New Zealand on Virgin Australia

expired Earn Double Status Credit on Flights between Australia and New Zealand on Virgin Australia

Virgin australia are running a similar promotion to what we see from qantas from time to time, double status credits. The promo will offer double status credits for all flights between Oz and New …

860
Bonus Velocity Points on Velocity eStore During November-December

expired Bonus Velocity Points on Velocity eStore During November-December

Looks like Velocity are running an advent calendar promotion on their eStore. Funny thing is, the terms and conditions at the bottom of there page accidentally spoil what each week will offer …

500
Bonus 3,000 AmEx Membership Rewards Points for Adding Additional Card Holder

expired Bonus 3,000 AmEx Membership Rewards Points for Adding Additional Card Holder

Looks like this promotion is back. Step One: Apply for an additional cardholder before 30th November Step Two: Additional cardholder to spend $750 for the first 3 months Step Three: Earn Bonus 3,000 …

American Express

AmEx Qantas Bonus Points Promotion - Eligibility

Hi all, I currently hold a Platinum Charge card with AMEX, and never seem to get any communication about bonus points transfers to Qantas. I've heard that you need to have transferred to …

440
15% Bonus Velocity Points - When Transferring from American Express (20% for Platinum Charge Cards)

expired 15% Bonus Velocity Points - When Transferring from American Express (20% for Platinum Charge Cards)

Hi all - Looks like another round of AMEX bonus points transfers for Velocity frequent flyers. Centurion and Platinum Charge card holders also have access to 20%. Cheers

Buying Foreign Currency Using AmEx?

Hi all - Does anyone know of a place where you can buy foreign currency using an AMEX, and not be charged a cash advance fee? I'm travelling overseas and need to pick up some euros. Otherwise …

Best Crypto Exchange

Hi all, I've recently started dabbling lightly with Crpto. I'm currently using Coinspot, but have noticed their fees were a little high. Does anyone have any recommendations on Aussie …

poll Best Australian Home Lender

Howdy all, I'm interested to know based on service and experience (not rates) which do you believe to be the best Australian Home Loan Lender? Bit of background; I've recently moved to …

910
ING: Bonus $75 When You Open an Orange Everyday Bank Account (Deposit $1,000 + Make 5 Transactions)

expired ING: Bonus $75 When You Open an Orange Everyday Bank Account (Deposit $1,000 + Make 5 Transactions)

BONUS75

Howdy all, I recently opened up my first ING account, disappointed that their referral promo had ended I found this offer which was still valid. Steps are very clear on the website; Open an …

60

expired Double Velocity Points & 10% off Travel Insurance with Cover.more

EASTER

Howdy all, Found this whilst shopping around for travel insurance. Saved about $30 on my total cost plus scooped 6 velocity points per $! Cheers

140
Earn 2,000 Bonus Velocity Frequent Flyer Points by Booking Virgin Australia Domestic Flights on Webjet

expired Earn 2,000 Bonus Velocity Frequent Flyer Points by Booking Virgin Australia Domestic Flights on Webjet

Howdy all, If you're planning on booking any Virgin Australia Domestic flights then it might be worth checking prices on Webjet to scoop the 2,000 bonus points offer. I've done a few Mel …

Is Business Class Really Worth It?

Howdy all, I'm planning a trip in Aug/Sep to Europe and was about to buy my return tickets for $1250 with Qatar. I noticed that Qatar are having a promo at the moment and I can get a return …

Advance Seat Selection - Qantas/Virgin Silver/Gold/Platinum

Hi all, Just wondering how exactly the Advance Seat Selection benefit works on Qantas/Virgin for Silver/Gold/Platinum members. Usually when I book a domestic economy flight and I have to choose my …

Flaw with ATO Interest Calculation on HECS Loans

So, checking through my MyGov statement I noticed a something very interesting about the way the ATO calculate your interest payments. To start off; The ATO charges interest on your HECS loan …

Commonwealth Bank

Hidden Commbank Credit Card Feature - "Great Rate"

Hi all, It's time for me to return back to the OzB community that has helped me so much haha! Whilst using my Commbank CC I discovered what I guess you would call a hidden benefit of all of …

120
Earn Double Velocity Frequent Flyer Points with Virgin Australia

expired Earn Double Velocity Frequent Flyer Points with Virgin Australia

Hi all, Just received an email (potentially targeted) advising of an offer from Virgin Australia to earn double Velocity Frequent Flyer points with any booking made between Jan 16th and Feb 1st.

poll Qantas (Qantas Frequent Flyer) vs Virgin (Velocity)

Hi all, I'm currently accruing points on both my Velocity FF account & Qantas FF account and know that I'll get much better value from just focusing my efforts on one program. What …

Qantas Cash - Points Delay

Howdy all, I just came back from a recent trip where I tried out the Qantas Cash card. Had no issues with the card, however I'm finding that it's taking 30+ days for these transactions to …

American Express

AMEX Platinum Charge - Platinum Airline Privileges Program Benefit

Hi all, I'm in the process of trying to understand whether the AMEX platinum charge card is worth the $1200 fee and was wondering whether anyone has one and has used the "Platinum Airline …

Best Travel SIM for New Zealand

Howdy ya'll, I'll be embarking on my first trip to New Zealand in a few weeks and was wondering what the OzB community can offer in the way of advice? I'm currently on a Telstra …

2100
Nintendo Switch Console $449 @ Harvey Norman ($349 with $100 AmEx Cashback Offer) (Available in Neon & Grey)

expired Nintendo Switch Console $449 @ Harvey Norman ($349 with $100 AmEx Cashback Offer) (Available in Neon & Grey)

Howdy ya'll, Awesome price for the Nintendo Switch! I don't believe I've seen it as this price before, happy to be corrected :) Credit to: easternculture Standard Delivery: …

Best Property Type - First Time Home Buyer

Hi OzB, I'm currently in the market for my first investment property. To take advantage of the stamp duty savings my budget will be max $600,000. I'll be living in the property for the …

Do Credit Limit Increase Invitations Trigger a Credit Check?

Hi all, I have a Credit Card with ANZ and just received an offer to increase my credit limit. I'm curious, do accepting these offers result in a credit check? I'm sure we have a few …

How do you Budget?

Hi all, Looking to get some insight into how my fellow OzB community approaches budgeting. Excel? Paper book? or an App? Whichever your choice let me know and share any suggestions you may …

Pillow Recommendations?

Hi all - Looking to take some recommendations on a good type of pillow. No health requirements, just not happy with my current no-name Myer Pillow…

SMSF (Self Managed Super Fund) Bank Suggestions?

Hi all, I've got roughly $60,000 in my super account and looking to go self managed. I'm wondering if anyone has any suggestions on the best bank to go with? Which bank has the best SMSF …

Claiming Work-Related Travel Expenses - Tax

Hi all, I've never claimed work-related travel expenses before and was wondering if those that have can share some of their experiences? For me; I have an office job that requires me to …

American Express

AmEx Screen Protection Insurance - Has Anyone Used This Yet?

Hi all, I have an AMEX explorer card and have recently become one of the very many people who have broken their iphone screen. I was going to go down to Apple and pay $249 for a replacement in …

How do I sell my Velocity Frequent Flyer points?

Hi all, I have 120,000 Velocity Frequent Flyer points and I'm looking to sell them to someone for $$$ but I don't know how it works. Can anyone with some experience in this tell me how …

40
30% off at Tommy Hilfiger - in Store Only - All Full Priced Merchandise

expired 30% off at Tommy Hilfiger - in Store Only - All Full Priced Merchandise

Hi all, Tommy Hilfiger are running a 30% off all full priced merchandise promotion until Monday May 30th. Offer excludes watches, fragrance & gift cards. Offer is only valid for in store …

Good Accountants to Recommend? Melbourne Area (Preferably Essendon)

Hi all, Usually I do my tax returns myself, however this year I want to try with an accountant. I, like most people want to maximise my return this year so not looking for someone that's too …

110
Up to 50,000 Bonus CommBank Awards Points When You Fly Virgin Australia - CBA Awards ONLY

expired Up to 50,000 Bonus CommBank Awards Points When You Fly Virgin Australia - CBA Awards ONLY

Hi all, Redeemed this the other day and thought I'd pass it on. Commonwealth Bank Awards Credit Card customers have the opportunity to earn up to 50,000 bonus CommBank Awards Points when they …

50

expired 30% off ANY Full Priced Item at BONDS - with Free Shipping

Hi all, Long time reader, first time poster. Received this via email and thought to pass it on. BONDS are having a 30% off everything mid-season sale. (Excludes gift cards) Offer ends Sunday …