Culpable » user profile

Member Since | 11/03/2018 |
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Last Seen | 2 hours 4 min |
Badges | 1 |
Location | Perth |
Recent Activities

Culpable replied to
digitalane on AmEx Qantas Business Rewards Card via Referral: 170,000 Bonus Qantas Points (with Min. $6,000 Spend in 3 Months) Annual Fee $450

Yep, it's an 18-month lockout from sign-up bonuses. When I cancelled my personal card, the rep asked why, and I told her it was because the…

Fixed by swapping from Desktop to Mobile. Might be related to cookies or tracking scripts.

I'm getting the following error message: "Not eligible for offer This offer is only eligible for Amazon Prime members. Subscribe to Amazon…

Culpable replied to
Twix on nbn FTTP 250/100 $119/M, nbn FTTP and HFC 1000/50 $109/M for 6 Months (New & Existing Upgrading Customers) @ Aussie Broadband

Leaptel at $99/month too for 1000/50 (https://leaptel.com.au/plans/) Do Superloop and Leaptel typically run Black Friday deals? Presumably…

Culpable replied to
reddot12 on 23% off All Products (50% off Selected NIOD) + $7.99 Delivery ($0 with $30 Spend / MEL Pickup) @ The Ordinary, NIOD, LOoPHA

Just a note that they run this every November, which they call "Slowvember", as a counter-cultural movement to the urgency and strict…

Culpable replied to
Shaun Prawn on Best Naturals Ashwagandha Capsules 500mg, 120 Count $11.71 + Delivery ($0 with Prime/ $59 Spend) @ Amazon US via AU

With all due respect, I don't think your altercation with your manager had anything to do with the ashwagandha.

Culpable replied to
timhn on Essential Workers: Target Saver Account up to 5.5% p.a. Interest on Balance (Monthly $1,000 Min Deposit, No Withdrawal) @ Hiver

They have lowered their rate since then. They're now [down to 5.55%](https://www.mebank.com.au/banking/). Also, another commenter has said…

Culpable replied to
RefusdClassification on Free 2-Month Audible Trial + $20 Voucher (New Subscribers Only) @ Audible AU

Awesome, thank you for elaborating

Culpable replied to
RefusdClassification on Free 2-Month Audible Trial + $20 Voucher (New Subscribers Only) @ Audible AU

Could you please provide a little more detail on how you were able to permanently subscribe for $8 a month?

Culpable replied to
yht on Earn 5.50% p.a. on Balance up to $50,000 @ Australian Unity Freedom Saver (No Minimum Monthly Deposit, No Account Keeping Fees)

Yes, but it's still 5.25% from 50k to 250k. AFAIK that's still the highest "no hoops" savings account. The closest is Macquarie at 4.75%…

Culpable commented on 10% off Storewide (Some Exclusions) + Delivery ($0 C&C/ in-Store) @ Chemist Warehouse
FYI, most items are more expensive than usual since for the most part it's 10% of RRP. I checked 10+ items I usually buy, and *all* of them…

Culpable commented on HomeME Savings Account: 5.55% p.a. Interest on up to $100,000 ($2,000 Monthly Deposit & Grow Balance Required) @ ME Go App
At only 0.05% interest above ING, *new* signups should probably opt for ING instead. While ING is 5.5% and MeBank is 5.55% - the ING app is…

Culpable commented on HomeME Savings Account: 5.55% p.a. Interest on up to $100,000 ($2,000 Monthly Deposit & Grow Balance Required) @ ME Go App
[Called it](https://www.ozbargain.com.au/node/784269#comment-13954409). While they're still the highest, make sure to keep an eye on their…

Culpable replied to
ozbargainerlife1 on HomeME Savings Account: 5.55% p.a. Interest on up to $100,000 ($2,000 Monthly Deposit & Grow Balance Required) @ ME Go App

Excluding honeymoon rates, this is the highest.

Culpable replied to
Ozfanmel on Deposit Min $5000 (2% pa Interest), Maintain until 31/12/23 & Get up to 4.5% Value as Apple Shares (up to $4,500) @ Webull App

Correct. Webull is *not* CHESS-sponsored [[source](https://www.webull.com.au/help/faq/1468-Why-is-Webull-not-my-CHESS-sponsor)], which…

Culpable replied to
spy on Panadol Rapid, 80 Capsules $9.50 (In-store Only, Sold Out Online) @ Pharmacy 4 Less

I believe Panadol is made in Ireland.

Culpable replied to
Bladeyyy21 on Sign up, Deposit $5000 & Receive 15 Free Shares (from A$7ea to A$419ea) @ Moomoo

It would be incredibly unlucky. I was speaking more to a longer-term view of people actually using this platform in the future to buy…

Culpable replied to
Bladeyyy21 on Sign up, Deposit $5000 & Receive 15 Free Shares (from A$7ea to A$419ea) @ Moomoo

By giving out 15 free stocks to every new user? Less tongue-in-cheek - any business can go bust when its costs exceed revenue for a long…

Culpable commented on Sign up, Deposit $5000 & Receive 15 Free Shares (from A$7ea to A$419ea) @ Moomoo
Please be careful. **Moomoo is not CHESS-sponsored**…

Culpable commented on HomeME Savings Account: 5.65% p.a. Interest on up to $100,000 ($2,000 Monthly Deposit & Grow Balance Required) @ ME Go App
I'm slightly sceptical of ME Bank. Correct me if I'm wrong, but aren't they known for having attractive rates initially, and then not…

Culpable replied to
SinghOz on Savings Account 5.55% p.a. Interest for 4 Months up to $250,000 (New Customers Only) @ Macquarie Bank

Both are great apps. I would say the Ubank app is slightly better since they provide a breakdown of your spending, The choice between the…

Culpable replied to
sghetti on Savings Account 5.55% p.a. Interest for 4 Months up to $250,000 (New Customers Only) @ Macquarie Bank

> If the thought of being better off financially isn't sexy then I don't know what is Spoken like a true Ozbargainer.

Culpable replied to
snappy1234 on Savings Account 5.55% p.a. Interest for 4 Months up to $250,000 (New Customers Only) @ Macquarie Bank

Their ongoing rate is going up to 4.5% on the [23rd of…

Culpable commented on Savings Account 5.55% p.a. Interest for 4 Months up to $250,000 (New Customers Only) @ Macquarie Bank
They are increasing their ongoing rate to 4.5% in on the [23rd of…

Culpable replied to
payless69 on 5.25% p.a. Interest on Home Saver Account on Balance up to $100,000 (Monthly Deposit & Spend Requirements) @ Great Southern Bank

Not sure what you mean re: smaller banks. If you mean they might go bust and lose all your money, the [Financial Claims…

Culpable replied to
billbob123454 on 5.25% p.a. Interest on Home Saver Account on Balance up to $100,000 (Monthly Deposit & Spend Requirements) @ Great Southern Bank

Have used them and can confirm that you can take money out immediately. Note that it is a minimum of a $2,000 deposit for this account.

Culpable posted a deal 5.25% p.a. Interest on Home Saver Account on Balance up to $100,000 (Monthly Deposit & Spend Requirements) @ Great Southern Bank
From the [GSB Facebook page](https://www.facebook.com/gsbankau): > We are also increasing savings rates on some products. Our Goal Saver…

Culpable replied to
wangasm on 5.50% p.a. Interest on Balances up to $50,000 for 14-35 Year Olds (Monthly Criteria Apply for 18+) @ Bank of Queensland

While I understand this is technically working for balances >50k, I don't think this should be relied upon, given that their T&Cs state…

Culpable replied to
Brickles on Business Savings Account 3.55% p.a. (Variable Interest) on Deposits up to $250,000, (3.45% $250,000-$1M) @ Macquarie Bank

This can be solved with a Cash Management Accelerator Account (CMAA): https://www.macquarie.com.au/investing/cash-management-account.html…

Culpable commented on Savings Account 5.3% p.a. Interest for 4 Months on Deposits up to $250,000 (New Customers Only) @ Macquarie Bank
Looks like they kept their ongoing rate at 4.25% p.a. Cheeky.
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