arkhos » posts

Stock Accounts and Mortgage Currently Disjointed. Shall I Use Redraw Strategy?

I have around 200k in stocks with ibkr and a mortgage for 489k with Macquarie. The two things are currently separate objects. Hence shock on either side doesn't directly affect the other …

Credit Cards Deal with Qantas?

Hi all, I lived outside the country for about a year and a half and I lost track with the current market for credit cards. The good news is that all my waiting times should have expired so I can be …

Help Me Make The Most of My Health Plan (Bupa Corporate Silver Plus Mid Hospital 70)

Hi all, I recently moved back to Australia and decided to join a health plan (Bupa Corporate Silver Plus Mid Hospital 70). Before that, I only had Medicare, which I made occasional use of for a …

iPad Air + Pencil

Hi guys, I'd like to buy an ipad air and the pencil 2 with main purpose being jotting down notes for my work and reading books. I am not interested into the new model. I just need something …

Bought Small Apartment, Give This Kid Some Advice

Hi all, I bit the bullet and entered the real estate market with a leverage of about 53%. I bought a honest 2b2b which I will live in and probably sublease too (not decided yet). I paid my 10% and I …

NSW First Home Buyer Scheme and Rent

Hi all, I am considering biting the (hard) bullet and buy my first property. My plan is to get a double bedroom flat with ensuite (i.e. 2 beds, 2 bathrooms) to live in the place and sublet the …

Where to Optimally Buy Dell XPS15 with 64GB RAM?

Hi all, For my line of work I need to buy a Dell 64gb ram. I will use it for work but my employer is not going to found it. I have a salary packaging agreement though which I wish to use for this …

Cost of an MRI in Sydney? (Knees)

Hi guys, Living in Sydney here. Unfortunately, due to joint issues, I had to do a couple of non-rebatable MRI. Each of them cost me $250. I was wondering I can get anything cheaper as I might have …

Conveyancer in Sydney Area

Hi, I am a first-home buyer and I am dipping my feet in the jungle of house buying. I am currently waiting for my pre-approval. I understand I will need a conveyancer to review any offer for sale I …

Mortgage Broker Sydney Area?

Hi all, I am looking for recommendations for a good mortgage broker in the sydney area, as per title. I just started looking at properties, hence integrated solutions (buyer's agent + mortgage) …

Need to Apply to Pre-Approval. Help a Poor Fellow OzBargainer!

Hi everybody, Little bit of background about my life in the last three years. I worked for a year for an Aus company, then relocated overseas for about two years. Eventually, I got back here in …

Should I Buy My (First) Home?

Hi guys, Potential first home buyer here. I apologize for any potential naivety in what follows below, but I just dip my feet in the housing problem. So, I guess it is better to describe the …

My Income Is All Foreign Based: Can I Get a Credit Card with Qantas Points Sign-up Bonus?

Hi guys, Australian Permanent Resident here currently residing in both U.K and Australia. Unfortunately, it looks like that since I moved to U.K. I am having a hard-life in playing the card game. …

Health Insurance with International Coverage (UK)

Hi guys, I am UK based but with Australia PR and frequently visit back here. Given the sorry state of things in UK, including the insurance market, I was wondering if anybody here is aware of aussie …

Blown My Shoulder - Need MRI + Physio in Sydney

Hi all, I am PR in Australia but live in UK most of the year. I have to come back to Australia next week, and due to Murphy's laws I had a bad bike accident this Sunday. Long story short, my …

Can a Letting Agency Dispute My Bond after RBO Released It?

Hi guys, Long story short, I was renting a place in Sydney with a regular contract and bond deposited under the RBO scheme. After the end of my lease my agent came back with a nasty check-out …

Moving to UK: shall I close or transfer abroad my Qantas Amex Ultimate?

Hi all, In a week I will relocate to UK. I will episodically come back to Australia in the next two years with the intention of ultimately settling back here. I had a look at UK AmEx cards and I …

Best Electricity and Gas Deal for Single Person - Sydney?

Hi guys, I have to start a new electricity and gas deal for my new lease starting from tomorrow but I can't terminate the previous one until the 5th of March (overlapping leases). I was …

Closing a Qantas Platinum / AmEx Credit Card Account: What Happens to My Benefits?

Hi all, Like many others, I was lured into a qantas and amex credit card programs for the Qantas points + free lounge accesses and other perks. That that about one year is passed and it's time …

How to Make The Most of The AmEx $450 Qantas Flight Bonus for a Domestic Trip?

Hi guys, Like almost everybody here, I have a $450 Qantas flight credit with my Amex card that I would like to spend between November and Feb. In principle, I would like to stay within the $800 all …

Ways to Open an Interactive Broker (IBKR) Account with Full-Forex Capabilities from Australia?

Hi guys, As we sadly know, Interactive Brokers (IBKR) Australia by default restricts Australian residents to open accounts with their Australian subsidiary. The australian subsidiary is heavily …

Convert Woolworths digital gift card into Visa/Mastercard prepaid card?

Hi fellow Ozbargainers, I recently got my 180.000 ANZ Rewards points from matching their spending requirement on their reward cards and I transferred a 500AUD equivalent into a Woolworths egift …

AustralianSuper

Superfund with ETF Investment Option

Hi all, I would like to know which Super allow users to invest their Super into ETF with direct control on the bundle and whether this is a cost-efficient option. In principle, I would like to …

Moving to UK Soon - How to Play The Pension Game?

Hi all, I am an Australian PR. I recently received a job offer from UK for which I am going to relocate to UK for two years. I do have some saving in AUS as well as a few years of contributions in a …

Do I Incur in Credit Card Annual Fee if I Cancel The Card before Activating It?

Hello, I am going to receive a premium AMEX and a VISA card in a few days. I was enticed by the favorable bonus conditions under matching spending thresholds within three months. However, I noticed …

Have a $3500 Generic Refund for Tech and Want to Convert in Cash

Hi guys, My daughter won a $3500 voucher from her company that has to be spent on tech-related goods (no vouchers). Since the gift is actually an internal refund, she can potentially use it with …