ely » user profile

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Member Since 22/11/2014
Last Seen 10 hours 1 min
Location Melbourne

Recent Activities

This has been the worst CF for phone deals, almost no deals at all.
21/05/2020 - 09:09
I wouldn't mind the music, but I'm not sure what I could do with a CD...
09/05/2020 - 16:25
So long as they've made that assertion and put it in writing then that's good to hear :) I've taken a 20% pay cut, but with free childcare...
25/04/2020 - 10:34
Having read over the thread, the only one embarrassing themselves in it you Burner - you clearly have a "fixed mindset" that is resistant...
25/04/2020 - 08:15
In my company all salaries have dropped by 20% (higher effective cut for executive level positions, where they get the 20% cut but also all...
25/04/2020 - 07:52
Bear in mind that leave is paid out at your current rate - so if you take a 20% cut in pay, any accrued leave you have is also effectively...
25/04/2020 - 07:49
That is literally higher than the rate I'm about to fix my mortgage at. Nice.
20/04/2020 - 18:58
To clarify: I pretty much only use credit cards for transactions anyway, so I don't have a meaningful transactions account, I just use...
17/04/2020 - 13:22
I have another bank for my mortgage also, but don't use them for transactions (I can't - TicToc - but I wouldn't anyway - probably going to...
17/04/2020 - 12:11
ING's is better - not only do they not charge foreign ATM withdrawal fees, they refund any fees charged by the ATM. This can be...
16/04/2020 - 06:11
Wife went around 11am this morning and left again; would have been queuing for ages to get in and to pay she said. She thought maybe super...
08/04/2020 - 16:25
Ouch, they're advertising some [seriously low rates](https://www.ozbargain.com.au/node/526762). I'm with TicToc on 2.54% variable, but very...
04/04/2020 - 12:17
Seems incredible that this loophole is not receiving more recognition, haven't been able to find any coverage of it at all, but seems...
29/03/2020 - 14:35
It doesn't apply, Shroomer is an ass and this bullshit demonisation of beneficiaries is also bullshit. Most Newstart recipients receive...
28/03/2020 - 00:56
Depends very much on what other earnings the recipient has throughout the year then - not in all cases, but in most cases, very low,
28/03/2020 - 00:52
Wife also now out of work, also unable to get anything due to income tests. I actually agree with the income test, as it's reasonable to...
28/03/2020 - 00:50
I assume it works like * withdraw $10k tax free * deposit $10k again, losing $1.5k in tax within super * claim $10k concessional tax...
28/03/2020 - 00:35
Bought BEAR ages back and been losing money on it ever since. Until the last few weeks, that is.
12/03/2020 - 15:10
With the 25bp cut coming it will be 2.54%, so narrowly beating out Athena. Another rate cut is [expected next...
08/03/2020 - 07:03
Tic:Toc contacted me and confirmed that they would give me the extra 5pm reduction to 2.79% that I asked for, and that any cuts coming from...
04/03/2020 - 16:15
Yeah, fair. I think that everyone is pretty much sold on offset though so I don't need to talk it up - most people just go "oh, offset...
03/03/2020 - 22:22
Fair enough, which is why I include > talk to your accountant rather than randoms like me on the internet Can you link to more relevant...
03/03/2020 - 19:13
> On the minimum amount thing, unsure how common that is. The offsets I've had have had no redraw fees and no minimal amounts. Sorry, I...
03/03/2020 - 19:08
> This is unlikely but not impossible Agreed; not impossible, but unlikely. I'm not seeing the connection to the redraw vs refinance...
03/03/2020 - 19:04
> Biggest thing for me wanting an offset over a redraw is the money is mine with an offset. Yeah, I have no particular issues or concerns...
03/03/2020 - 17:55
Yup, which is why I specifically point out that if it's ever going to be an investment property they you definitely do need an offset. The...
03/03/2020 - 17:50
Oh the negs, the negs. Neggers, please read the link (or the pasted version down below).
03/03/2020 - 17:49
You can change at any point in time, however if you have a fixed loan there will be costs to break that and they can be substantial...
03/03/2020 - 17:21
Generally [six...
03/03/2020 - 17:05