Essem » user profile

Member Since | 23/09/2018 |
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Last Seen | 21 hours 12 min |
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I submit my own meter reads weekly. Also purchase Powerpacks eg pay $30 but get $37 value. Sure PS get my money earlier but a saving is a…

Essem commented on Macquarie Bank Savings Account: 4.85% p.a Interest First 4 Months on Balance up to $250,000 (Expired: 4.50% pa on Bal up to $1M)
Just received feedback survey email from Macquarie and I have made it clear why I opened the new savings account (already had debit…

Essem replied to
barghunt1 on Saving Accounts with No Growth/Zero Withdrawal Requirements (or with work around)

I already had a Macquarie debit account, so was dead easy 😉

Essem commented on Saving Accounts with No Growth/Zero Withdrawal Requirements (or with work around)
I’ve moved $80k into Macquarie since Friday and I won’t be the only customer. Expect UBank will have to revisit their decision. Hope…

Essem replied to
MeesusEff on Macquarie Bank Savings Account: 4.85% p.a Interest First 4 Months on Balance up to $250,000 (Expired: 4.50% pa on Bal up to $1M)

Yes, open a savings account from within the app, very easy. I transferred $20k from UBank to my Macquarie debit account as this was already…

The crowd chorus to The Angels’ “Am I ever going see your face again” comes to mind

Essem commented on How to Stay Warm in a Weatherboard Home?
As an owner of a weatherboard home with timber floors, when I built 30 years ago, I had foil and batts installed in external and internal…

Most projections are to 92. I can’t see me needing in today’s dollars $51k when I’m over 92. Plus reasonable expectation will inherit…

Essem commented on Super Balance for Your Average OzBargainer
The ASFA suggested super balance is misleading for anyone currently about to retire. It sets $575k for a single to have a comfortable…

Get a Macquarie Debit Card account. No international currency conversion fees, no annual fees, pays interest on funds in your account.…

Essem replied to
tunzafun001 on Commonwealth Bank - Bank Transfer Reversal Process and Timeframes? Settlement Sent to Wrong Account.

Sometimes banks don’t create a destination line for vendor funds and only create the payout figure line notwithstanding the directions…

Essem commented on Commonwealth Bank - Bank Transfer Reversal Process and Timeframes? Settlement Sent to Wrong Account.
Not CBA fault. Vendor conveyancer can “assign” surplus funds direction in PEXA. You could also have used PEXA Key (if sent a link by…

Thanks, will look at this when the time comes. Used to have a BankWest no fee card before I got into points and churning but they removed…

Essem commented on When Is Credit Card Churning Going to Be Hot Again?
The increase in period of closing accounts to opening new with same bank for bonus rewards will definitely have an affect on me. I’ve got…

Sounds like she had foils in different colours which is my preferred colour treatment as the regrowth is not obvious, and I really like the…

No fees at all

Having used Citibank for travel and international transactions I wasn’t feeling optimistic about the NAB swap as far as future fees so I…

Essem commented on Delay in Receiving Deposit after Settlement
Deposit is paid to Vendors agent. Agent holds their commission/expenses and balance is transferred to Vendors solicitor/conveyancer.…

Essem replied to
onetwothreefour on ubank Swindled Me out of around $2k, Didnt Meet Bonus Interest Criteria Due Them Disabling BPay

Ditto, as a fairly new UBank customer I look on 1st month just for the sheer happiness so see how much I’ve earned in interest. For every…

Essem commented on iPad Air 5th Gen VS Samsung Galaxy Tab S9
I started off with iPhone but switched to Samsung due to ability to buy lowest memory and insert sd card for extra memory (and keep a spare…

Essem replied to
xyzabc123 on How Much Savings Do You Keep in Your ubank / BoQ / Similar Smaller Bank ?

Yes, UBank and Citibank owned by NAB (maybe others) so combined balances over all accounts up to $250k covered.

Just don’t! Will kits are cheap for a reason. It won’t be your problem after you die but your executor will suffer and your estate will…

Essem replied to
b18b on Best Travel Backpack (20-25L and Preferably Clamshell Style with Laptop Compartment) No Budget!

See my below post on Laval https://nordace.com/en/product/laval-smart-travel-backpack/

Essem commented on Best Travel Backpack (20-25L and Preferably Clamshell Style with Laptop Compartment) No Budget!
I bought the Nordace Laval for my upcoming trip. https://nordace.com/en/product/laval-smart-travel-backpack/ Was looking for 90* opening…

Closed cc accounts will remain in your credit file for 2 years after closed. Credit application enquiries remain for 5 years. So every…

Essem replied to
goodfella on Is ubank Safe to Keep Your Savings? (Recent Article with Someone Getting Hacked)

Msg back from Ubank At present it is not possible to change the limits on the 2.0 UBank app limits. Your feedback has been noted and it is…

Essem replied to
goodfella on Is ubank Safe to Keep Your Savings? (Recent Article with Someone Getting Hacked)

Thank you, exactly

Still concerning. I’ve only recently opened account. Strong Bitwarden password, fingerprint login, 2FA BUT their daily limits are TOO…

Essem commented on What Mobile Apps Have Saved You $$$ This Year?
Cash Rewards Petrol Spy

Essem commented on Should/Can I Force Landlord/Agent to Give Me a Carspace Accidentally Promised in Our Lease?
A “mistake” in a contract can make the whole contract voidable OR just the clause containing the clause void. As the OP knew there was…
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