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.
ely commented on Free Classical CD + Free Delivery @ Classics Direct (Normally $19.95, Choose 1 of 12)
I wouldn't mind the music, but I'm not sure what I could do with a CD...
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...
Having read over the thread, the only one embarrassing themselves in it you Burner - you clearly have a "fixed mindset" that is resistant...
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...
ely commented on Work Reducing Wages by 20% - Same Hours
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...
ely replied to 
ickyboo on [Existing Customers] Waiver of Requirements for Bonus Interest Rate in Savings Maximiser Acct @ ING Bank
ickyboo on [Existing Customers] Waiver of Requirements for Bonus Interest Rate in Savings Maximiser Acct @ ING BankThat is literally higher than the rate I'm about to fix my mortgage at. Nice.
ely replied to ely on HSBC Everyday Global Account 2% Cashback on Tap & Pay (<$100) + $100 Joining Bonus @ HSBC
ely on HSBC Everyday Global Account 2% Cashback on Tap & Pay (<$100) + $100 Joining Bonus @ HSBCTo clarify: I pretty much only use credit cards for transactions anyway, so I don't have a meaningful transactions account, I just use...
ely replied to em on HSBC Everyday Global Account 2% Cashback on Tap & Pay (<$100) + $100 Joining Bonus @ HSBC
em on HSBC Everyday Global Account 2% Cashback on Tap & Pay (<$100) + $100 Joining Bonus @ HSBCI 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...
ely replied to 
Agret on HSBC Everyday Global Account 2% Cashback on Tap & Pay (<$100) + $100 Joining Bonus @ HSBC
Agret on HSBC Everyday Global Account 2% Cashback on Tap & Pay (<$100) + $100 Joining Bonus @ HSBCING's is better - not only do they not charge foreign ATM withdrawal fees, they refund any fees charged by the ATM. This can be...
ely commented on How Busy Is Costco Docklands?
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...
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...
Seems incredible that this loophole is not receiving more recognition, haven't been able to find any coverage of it at all, but seems...
It doesn't apply, Shroomer is an ass and this bullshit demonisation of beneficiaries is also bullshit. Most Newstart recipients receive...
Depends very much on what other earnings the recipient has throughout the year then - not in all cases, but in most cases, very low,
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...
I assume it works like * withdraw $10k tax free * deposit $10k again, losing $1.5k in tax within super * claim $10k concessional tax...
Bought BEAR ages back and been losing money on it ever since. Until the last few weeks, that is.
With the 25bp cut coming it will be 2.54%, so narrowly beating out Athena. Another rate cut is [expected next...
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...
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...
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...
> 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...
> This is unlikely but not impossible Agreed; not impossible, but unlikely. I'm not seeing the connection to the redraw vs refinance...
> 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...
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...
Oh the negs, the negs. Neggers, please read the link (or the pasted version down below).
ely replied to Eeples on [VIC, WA*, ACT, NSW] One Free Pint of Guinness Draught (Worth ~$10) at Participating Bars (Opt in Required)
Eeples on [VIC, WA*, ACT, NSW] One Free Pint of Guinness Draught (Worth ~$10) at Participating Bars (Opt in Required)No, tried again, still no.
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...
Generally [six...