oshin » user profile

Member Since 28/12/2017
Last Seen 30/06/2023
Location Melbourne

Recent Activities

oshin replied to Aerith-Waifu on Debit Cards with No International Transaction Fees?
It's called HSBC Global debit card. You get 2% cashback on domestic paywave only and transactions under $100 and no fees for international…
30/06/2023 - 08:54
oshin commented on Debit Cards with No International Transaction Fees?
HSBC
29/06/2023 - 18:03
oshin commented on Is My Employer Being Fair with Me?
Find yourself another job.
25/05/2023 - 21:12
oshin commented on Looking for Rose Essential Oil for Better Sleep
Try Sydney essentials oil copany but you have to buy bulk.
20/05/2023 - 21:31
oshin commented on Cost of Braces for Kids These Days?
I got quoted $7250 for 18 months plan. We have private health so I'll start my child's treatment mid year so I can maximise the claim in 3…
08/05/2023 - 15:18
oshin replied to RSmith on Costco Membership Price Increasing
They do have petrol stations and they're worth it for Diesel
28/04/2023 - 14:18
oshin commented on Tokyo, Japan Return: Melbourne from $664, Sydney from $679 on China Southern (Guangzhou Stopover) May-June @ Beat That Flight
Have anyone take on this route and what was the accommodation like? Did they put you in cheap 2* hotels or in 5 * hotels?
28/04/2023 - 11:12
oshin commented on Have You Used Mortgage Brokers? Are They Worth It?
As mentioned by others if you have problems with your finances (self employed or inconsistent records, it's better to use broker. In my…
12/04/2023 - 09:18
oshin commented on Japan in May 17 Days: Tokyo, Kyoto, Osaka - Itinerary Check
I suggest you join this facebook group:…
30/03/2023 - 10:42
oshin commented on Credit Card with Cashback on Transactions
Cashrewards takes a long time to give your cashback. It's better with HSBC which is instant for transactions under $100
28/03/2023 - 11:18
oshin commented on Best Bank Account for Newborn Baby?
Put in offset account where it earns the highest interest and tax free!
23/03/2023 - 16:04
oshin commented on Receiving SMS When Overseas
It works with Aldi Mobile as well. I tried this when I was in UK.
20/03/2023 - 12:41
oshin commented on Mattress for a Restless Sleeper
I stopped sleeping on spring mattress at least 5 years ago. We use Tatami mats (Japanese mats) with futton. I hate how after a couple of…
28/02/2023 - 15:19
oshin commented on AliExpress Shoes Very Poor Quality Chance of Refund?
You get what you pay for.
23/02/2023 - 14:13
oshin replied to holdenmg on Credit Card That Can Be Used Instead of The Regular Credit Card
Not asking you to invest in HSBC, just use them for the benefits!
20/02/2023 - 16:18
oshin commented on Credit Card That Can Be Used Instead of The Regular Credit Card
You can try HSBC. They have a visa debit card and you get 2% cashback if you tap purchases under $100.
20/02/2023 - 13:20
oshin commented on GloBird solar tariff setup fee $132 smackers for?
I got charged something by AGL after I put in my solar as well. Can't remember how much though.
16/02/2023 - 14:45
oshin commented on Where to Get Bulk Free Cardboard for Using as Sheet Mulch
If you have Costco membership or know anyone with Costco membership, you can get lots of free cardboards. Their cardboards are great…
16/02/2023 - 14:44
oshin replied to Redragon on Hybrid v Laminate - Which Flooring Is Better?
I was asking myself the same question when I had to replace the flooring. The flooring guy recommended laminate for what I need so I went…
15/02/2023 - 16:35
oshin replied to JimB on Hybrid v Laminate - Which Flooring Is Better?
You can cut through both materials and compare. Underneath hybrid the material is harder (almost like think layer of rock) whereas laminate…
14/02/2023 - 16:04
oshin replied to Redragon on Hybrid v Laminate - Which Flooring Is Better?
If possible, get a sample of each material and lay it against the wall of where you want to install them. You want to make sure your…
14/02/2023 - 15:51
oshin replied to Glenningvalley on Hybrid v Laminate - Which Flooring Is Better?
Not true, both of them have to be levelled
14/02/2023 - 15:49
oshin replied to Redragon on Hybrid v Laminate - Which Flooring Is Better?
If it's just bedroom, people just normally use laminate especially if the laminate is thicker. I installed laminate on the dry area (living…
14/02/2023 - 15:48
oshin commented on Hybrid v Laminate - Which Flooring Is Better?
Where are you going to install them?
14/02/2023 - 14:54
oshin commented on Frontloader Washing Machine Needed Soon
Bosch
18/09/2020 - 12:41
oshin replied to Edobear on 2.19% Fixed Home Loan Rate 1-3 Years (70% LVR, OwnOcc) @ Macquarie Bank
What is assessment rate?
22/06/2020 - 20:51
oshin commented on 2.19% Fixed Home Loan Rate 1-3 Years (70% LVR, OwnOcc) @ Macquarie Bank
HSBC still have fixed 2 years for 2.09%
09/06/2020 - 13:08
oshin replied to MrBigglesworth on Suncorp Home Loan at 2.99% for 3 Years with Fixed Interest Rate + $2000 Cash Back @ Suncorp
This is my 3rd time refinancing in 10 years. I was lured with the first one with low interest and then trapped me with higher rate. The 2nd…
12/09/2019 - 13:08
oshin replied to RocketSwitch on Suncorp Home Loan at 2.99% for 3 Years with Fixed Interest Rate + $2000 Cash Back @ Suncorp
I was paying 3.35% prior to the move to HSBC. HSBC has redraw, not offset account.
11/09/2019 - 13:20
oshin commented on Suncorp Home Loan at 2.99% for 3 Years with Fixed Interest Rate + $2000 Cash Back @ Suncorp
I just refinanced to HSBC a month ago and got 3.17% rate with 3.18% comparison rate.
11/09/2019 - 10:26
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