leigh8904 » user profile

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…

For info: https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports

Hmmm, not from my reading of the T&Cs. See…

> 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.

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…

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/

> 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

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.…

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.

> 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…

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).

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…

Bank of Melbourne maybe worth a look? https://www.bankofmelbourne.com.au/personal/credit-cards/frequent-flyer

Bankwest Zero Platinum Mastercard https://www.bankwest.com.au/personal/credit-cards/no-annual-fee. I have never used it, so can't comment…

Welcome aboard!