leigh8904 » user profile

> My employer has given me shares this week (share matching scheme) roughly $3000 worth, because of this when I do my tax I will get a bill…

PayPal pay-in-4 can do the job. 😎 Probably a waste of time, but hey, might as well play the game.

I mainly use Paypal pay-in-4 to make manual 5x small payments at start of the month. Can work the same for any BNPL service like Afterpay,…

Re: Bendigo Bank Platinum Ready Credit card Actually there is no such card. There are: - Bendigo Bank Ready Credit card - Bendigo Bank…

> Anyhow, on the assumption I've missed something and my opinion is wrong, I'd like to open a discussion on whether CommSec has introduced…

> Any cons i should know regarding Macquarie Card is single network (Mastercard) only, does not support EFTPOS. Depends on your spending…

> You'll probably find the higher ATAR / HSC results in private schools also correlates well with additional spending on private tutors.…

https://www.commbank.com.au/international/foreign-exchange-rates.html Hmm, >8% spread on load vs unload (USD). I just did a spot check vs…

Yes same has happened to me. I did not bother trying to get the fee refunded, just counted it as a $4 learning experience. Also copped a…

Take at least 2 of the fee-free cards, preferably a Mastercard and Visa.…

Which is kind of just what @DingoBilly said. Income $45k => tax $4288. Income $45,001 => tax $4288.30. > up to $135,000 where things get…

> The only reason you would want multiple loan splits is if you want the bank to spoon feed the interest calculations to you. No, this is…

Okay, fair enough. Noted that the actual law is only vapourware at the moment.

> They aren't; politicians, judges and some public servants are explicitly exempted from Div296. What is your source for this? I heard Jim…

True. And most likely the seller is the weakest link, because seller is contracted to the REA, but the buyer can easily walk away and go…

> The tax rate for the $18,201-$45,000 income bracket will be reduced from 16% to 15% in 2026-27, and further to 14% in 2027-28. This…

> I know you can pay via Sniip, but the Sniip fee of 1.5% is higher than paying directly to DEFT using a Mastercard which is 1.2%. So what…

https://www.ozbargain.com.au/wiki/cards_with_no_overseas_transaction_fees

I think you need to be careful here; just because you bought the shares using a minor trust account for the child, does not necessarily…

> I have a revenue office (changed PPOR to IP) bill of 7k and a ATO bill of 3k I need to pay soon which if possible may help get over the…

Here is a suggestion, assuming the extra repayments are available to redraw. Just let the loan balance pay down to $100 (or whatever small…

> another one people need to be careful of these days, some card providers have pushed out there reset time for bonus to 18months…..from…

Refer to https://www.hsbc.com.au/content/dam/hsbc/au/docs/accounts/transaction-savings-terms-and-conditions.pdf, pg 11. The HSBC foreign…

Rewards only cards for me, I have not used Qantas FF cards.

The Ts&Cs at https://www.suncorpbank.com.au/bank-and-save/credit-cards.html certainly do not mention any 12 month backoff from having held…

Yes, there are a number of super funds (including a few industry funds) which support direct share (including ETF) investments. The…

No, this is inside the Hostplus super fund, Hostplus takes care of all of that.

I have been with HostPlus about 5 years, mid 50s, so decent sized balance. Purely use passive indexing investments in HostPlus (20% Index…

Yes. If you subscribe to DRP within ChoicePlus, it works how you would expect, except for one factor. If you hold ETFs in your own name, if…

I am with HostPlus, have been for about 5 years. I think I have only called them twice, once before joining, and once to understand better…