leigh8904 » user profile

> I have a revenue office (changed PPOR to IP) bill of 7k and a ATO bill of 3k I need to pay soon which if possible may help get over the…

Here is a suggestion, assuming the extra repayments are available to redraw. Just let the loan balance pay down to $100 (or whatever small…

> another one people need to be careful of these days, some card providers have pushed out there reset time for bonus to 18months…..from…

Refer to https://www.hsbc.com.au/content/dam/hsbc/au/docs/accounts/transaction-savings-terms-and-conditions.pdf, pg 11. The HSBC foreign…

Rewards only cards for me, I have not used Qantas FF cards.

The Ts&Cs at https://www.suncorpbank.com.au/bank-and-save/credit-cards.html certainly do not mention any 12 month backoff from having held…

Yes, there are a number of super funds (including a few industry funds) which support direct share (including ETF) investments. The…

No, this is inside the Hostplus super fund, Hostplus takes care of all of that.

I have been with HostPlus about 5 years, mid 50s, so decent sized balance. Purely use passive indexing investments in HostPlus (20% Index…

Yes. If you subscribe to DRP within ChoicePlus, it works how you would expect, except for one factor. If you hold ETFs in your own name, if…

I am with HostPlus, have been for about 5 years. I think I have only called them twice, once before joining, and once to understand better…

I churn 5-6 cards per year (for last 3 years). I only do bank rewards points, not frequent flyer points. My reward of choice is Woolies /…

I guess you missed the hidden /s tag. Which was quite reasonable on your part, as I didn't include it. :-)

Solution for next year (obviously too late for this year): open new HISA, but don't provide TFN to the bank. Bank will deduct 47% tax from…

To access your super, you need to meet a condition of release…

> But one thing you forgot to include, at the end you have to then pay off the $5000 you've been juggling for 30 years, so you're down to…

> You put one extra payment of $5k in at the beginning, you save $25 in interest for that month, then you lose that $5k paying back your…

I understand that 7-11 ATMs are fee free for cash withdrawal for Mastercard (i.e. former Citi Plus debit card + others), but charge fee for…

For info: https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports

Hmmm, not from my reading of the T&Cs. See…

> They use the Visa Exchange rate for currency conversion. Not quite. They use the HSBC rate for any of the 9 foreign currencies you can…

I had application declined from Bankwest, when I queried it seems I had submitted application twice, due to some quirk or error in the…

> - No desktop based access (not really a big deal for us though). UBank actually does have web login access from computer.

Also Pearler is another low fee broker: flat $6.50 fee per trade.

Computershare definitely has a fee to sell, and it is pretty high.…

Except, you are not. That article is rubbish. > Mortgage interest is usually charged monthly, but the rates are yearly. This means that…

For the balance of one easy hoop (deposit $200) for decent interest rate (5%), Ubank could be decent option.…

> I am calculating interest as 4.95% / 12 * savings + 0.55% / 12 + savings. Formula is not correct. Should be: (4.95% + 0.55%) / 365 *…

You can add Bendigo Ready Credit to that list, a newish offering. https://www.bendigobank.com.au/personal/credit-cards/ready/

> I think there is also a similar CBA one which only requires $2k a month spend, but not sure of the name.…