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Will mortgage rates drop further? Advice on what to do.

Will home loan interest rates drop further? And what would you do if you were me? We've currently got 2 Westpac loans set up 4yrs 3 months ago - fixed (up in December) at 5.5% with $131k total …

If you could upgrade from Samsung Galaxy S8+ to S9+ for $400, would you?

With the Allphones PRINT/PREWINTER deal on eBay and a TRS refund the S9+ comes in at about $1100. I can also get around $700 for my S8+ on Gumtree (roughly). Which means it'll cost me about $400 …