leigh8904 » user profile
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Member Since | 12/11/2021 |
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Last Seen | 23 hours 50 min |
Location | Melbourne |
Recent Activities
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leigh8904 replied to
Eugklng on Suncorp Clear Options Platinum Credit Card: 140,000 Bonus Points (Worth $600) with $4,500 Spend in 3 Months, $129 1st Year Fee
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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…
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Yes, there are a number of super funds (including a few industry funds) which support direct share (including ETF) investments. The…
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No, this is inside the Hostplus super fund, Hostplus takes care of all of that.
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I have been with HostPlus about 5 years, mid 50s, so decent sized balance. Purely use passive indexing investments in HostPlus (20% Index…
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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…
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leigh8904 commented on Superannuation Funds. Is Hostplus good?
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…
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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 /…
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leigh8904 replied to
Zodiacmindwarp on Tax Saving Tips before The End of Financial Year- Need to Pay Tax on Bank Interest
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I guess you missed the hidden /s tag. Which was quite reasonable on your part, as I didn't include it. :-)
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leigh8904 replied to
JimmyF on Tax Saving Tips before The End of Financial Year- Need to Pay Tax on Bank Interest
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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…
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To access your super, you need to meet a condition of release…
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leigh8904 replied to
1st-Amendment on How Does Credit Score Work and How to Get First Ever Credit Card?
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> 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…
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leigh8904 replied to
1st-Amendment on How Does Credit Score Work and How to Get First Ever Credit Card?
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> 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…
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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…
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leigh8904 commented on Any Sites That Give Free Credit Score/Report?
For info: https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports
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leigh8904 replied to
OrderedChaos on Bankwest Zero Vs Bendigo Ready Credit Card - Which Would You Choose?
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Hmmm, not from my reading of the T&Cs. See…
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leigh8904 replied to
OrderedChaos on Bankwest Zero Vs Bendigo Ready Credit Card - Which Would You Choose?
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> 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…
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I had application declined from Bankwest, when I queried it seems I had submitted application twice, due to some quirk or error in the…
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> - No desktop based access (not really a big deal for us though). UBank actually does have web login access from computer.
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leigh8904 commented on Where to Sell Shares without Costs
Also Pearler is another low fee broker: flat $6.50 fee per trade.
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Computershare definitely has a fee to sell, and it is pretty high.…
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Except, you are not. That article is rubbish. > Mortgage interest is usually charged monthly, but the rates are yearly. This means that…
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leigh8904 commented on $30k - Options to Set and Forget for a Year
For the balance of one easy hoop (deposit $200) for decent interest rate (5%), Ubank could be decent option.…
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> I am calculating interest as 4.95% / 12 * savings + 0.55% / 12 + savings. Formula is not correct. Should be: (4.95% + 0.55%) / 365 *…
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You can add Bendigo Ready Credit to that list, a newish offering. https://www.bendigobank.com.au/personal/credit-cards/ready/
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leigh8904 replied to
djkelly69 on Best Travel Credit Card with Free Travel Insurance And No International Transaction Fee
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> I think there is also a similar CBA one which only requires $2k a month spend, but not sure of the name.…
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See the list right here on OzB: https://www.ozbargain.com.au/wiki/cards_with_no_overseas_transaction_fees
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$23M VAS $23M VGS $2M donate / gifts to family $2M travel / live it up for a while
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leigh8904 commented on Credit Cards (No FX Fees) for US Trip That The Kids Can Use, and Parents Can Monitor?
Most credit cards I have seen limit the age for additional card holder, must be 16 or older, so not sure if your kids meet that criterion.…
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leigh8904 commented on 28 Degrees Alternative?
Bankwest Zero Mastercard https://www.bankwest.com.au/personal/credit-cards/no-annual-fee Bendigo Ready Credit Card…
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> so, in your example, you could pay $2055 on that specific date of the month PLUS $1 just to 'beat' the compound interest effect. Is that…
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