leigh8904 » user profile
Member Since | 12/11/2021 |
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Last Seen | 15 hours 51 min |
Location | Melbourne |
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To access your super, you need to meet a condition of release…
leigh8904 replied to 1st-Amendment on How Does Credit Score Work and How to Get First Ever Credit Card?
> 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…
leigh8904 replied to 1st-Amendment on How Does Credit Score Work and How to Get First Ever Credit Card?
> 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…
leigh8904 commented on Any Sites That Give Free Credit Score/Report?
For info: https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports
leigh8904 replied to OrderedChaos on Bankwest Zero Vs Bendigo Ready Credit Card - Which Would You Choose?
Hmmm, not from my reading of the T&Cs. See…
leigh8904 replied to OrderedChaos on Bankwest Zero Vs Bendigo Ready Credit Card - Which Would You Choose?
> 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.
leigh8904 commented on Where to Sell Shares without Costs
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…
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.…
> 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/
leigh8904 replied to djkelly69 on Best Travel Credit Card with Free Travel Insurance And No International Transaction Fee
> I think there is also a similar CBA one which only requires $2k a month spend, but not sure of the name.…
See the list right here on OzB: https://www.ozbargain.com.au/wiki/cards_with_no_overseas_transaction_fees
$23M VAS $23M VGS $2M donate / gifts to family $2M travel / live it up for a while
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.…
leigh8904 commented on 28 Degrees Alternative?
Bankwest Zero Mastercard https://www.bankwest.com.au/personal/credit-cards/no-annual-fee Bendigo Ready Credit Card…
> 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…
> If it was so guaranteed profitable, why would the hotel not keep the rooms for themselves? Yes, one of the key questions.
leigh8904 commented on Guaranteed Rent Apartment in Sydney CBD
> I have come across some property listings that feature a guaranteed rental income clause, Usually the only guarantee for those property…
> Eg, to keep things simple, if its an interest only loan of $500,000 with a variable rate of 5%, then on day 1, the interest accrued is…
> A better option would be to open a minor account(selfwealth.com.au) instead. The benefit of this setup is when the child turns 18 and the…
> Share transfers from a minor's account (prettyuc a trust where the child was nominated as beneficiary) to their individual account…
As long as you have some sort of official CC closure notification from BoM, you can go ahead and apply for new card with ANZ. In the…
leigh8904 commented on Best Multi Currency Accounts for USD
Paypal only lets you withdraw funds in local currency. So if you have Australian Paypal account, you will not be able to directly withdraw…
I think linked accounts only applies to legacy / original UBank, not the new :ubank (rebranded 86400).
leigh8904 replied to danielvo00 on Get $200 Cashback on CommBank Low Fee Credit Card ($1000 Minimum Spend within 90 Days), $0 First Year Annual Fee @ CommBank
From https://www.commbank.com.au/credit-cards/low-fee-gold.html#terms: To be eligible for the $300 cashback on a new Low Fee Gold card, you…
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