SHOW YOURSELF.

I just lost $94.50?

Terrible. I've used them for years but surely that is their end?

How is this stuff not encrypted? This is what has been accessed:

Name and/or username

Contact information(address, email address and phone number)

Date of Birth

Occupation

Answer to secret question

Information about select transfer(s) with OFX Information about select recipient(s) paid through OFX

Information relating to some of your communications or interactions with OFX IP address and/or device information

Hi folks,

In light of the recent immigration boom, i'd be curious to know what what people think or have experienced in Australia.

I'm a kiwi myself and travel often to australia for work + family. My interactions are low outside of a small bubble but in NZ everyone paints Australia as the go-to place for wealth, life and career.

Is it really the case? do all migrants that come to Australia ( from whatever country) have a good time/are more successful relative to being in there own home country.

EDIT: Bankwest worked. Thank you!

My Bank Australia and Zip Pay were both rejected. I have a feeling the answer is "You're screwed, sorry" but I still wanna get a zero fee credit card purely that I can use to buy R18+ games on Steam.

No intention of using it. Just want the cheapest, easiest credit card I can get that will let me prove to Steam I'm over 18.

Cheers.

I’m not sure if this is the correct subreddit to post in. But I’ve seen a see through debit/credit card that was partially see through. I just want to know if it’s anz. It looks really cool and would like to know which bank it is ca

I spoke at an event and the biller is asking for my public liability insurance. It seems like the insurance is more than I am being paid.

Are there any cheap public liability insurances for one off, individuals giving a presentation at an event...

Searching has been a nightmare, any help would be appreciated.

I have two asx etfs in commsec and plan to keep adding roughly a$1,000 a month. I'm looking at moomoo for future buys, but i'm not convinced changing brokers means I need to move the existing holdings too.

Keeping the old etfs where they are and sending new money elsewhere would let me try another platform without making the whole portfolio a transfer project. Moving everything would be tidier but transfer fees and records matter as well as brokerage.

If you've changed brokers with an existing etf portfolio, did you transfer the holdings or just start making new buys in the new account?

O Captain! My Captain!

Weekly Property Mega Thread

-=-=-=-=-

Welcome to the /r/AusFinance weekly Property Mega Thread.

This post will be republished at 02:00AEST every Friday morning.

Click here to see all previous weekly threads:
https://www.reddit.com/r/AusFinance/search/?q=%22weekly%20property%20mega%20thread%22&restrict_sr=1&sort=new

What happens here?

Please use this thread for general property-related discussions, such as:

• First Homeowner concerns
• Getting started
• Will house pricing keep going up?
• Thought about [this property]?
• That half burned-down inner city unit that sold for $2.4m. Don't forget your shocked Pikachu face.

The goal is to have a safe space for some of the most common posts, while supporting more original and interesting content in their own posts.Single posts about property may be removed and directed to this thread.

-=-=-=-=-

I recently got accepted into my apprenticeship and full time work for this trade post apprenticeship pays around 100-120k annually in Sydney. I wanted to know if anyone had suggested banks or credit card plans for this income range and for further context I want to put a down payment on a ~700k-1mil property once I finish my apprenticeship. Any suggestions would help greatly thanks.

We currently have enough money in the offset account that we don’t pay interest anymore (so interest rate rise doesn’t really affect us). I feel like we’re not really maximizing earning capabilities? Debt recycling seems to have little return so we’re not sure if it’s worth the risk. I’ve heard of ETFs but had not really researched more into it. Early 50s and I’m not sure how we can build wealth and hopefully retire early. Any insights?

Put this together before the Health Dept's specialist fees consultation closes (12pm Monday 19 Oct). The survey questions focus on what doctors charge and barely ask about insurers.

Have your say here:

https://consultations.health.gov.au/medicare-benefits-and-digital-health-division/options-to-address-excessive-fees/

Sample answer (please put it in your own words, identical submissions tend to get counted as one):

These questions focus on what doctors charge. They barely ask who gains. Your own paper (section 6.4) says withholding the Medicare rebate would leave patients out of pocket while the doctor keeps the full fee. Rule it out. Taxpayers give insurers $7.56 billion a year, and insurers made $1.12 billion profit in the nine months to March 2026. None of this is in the questions. Before penalising patients, make insurers publish where every premium dollar goes, and require them to pay back at least 90 cents in every dollar.

Not affiliated with any party, insurer or lobby group. Sources are on the last image, with links in the comments. Happy to be corrected.

How much do you reckon Coles and Woolworths make from paper bags alone? They’re now 30 cents each, and if the average shopper buys 2–5 bags a week, that adds up pretty quickly across millions of transactions. Even after taking out the cost of making the bags, I wonder how much they’re actually pocketing from this. Has anyone got any figures or estimates?

I bring my own bags but the major supermarkets have released publicly available data that shows that the sales of these bags are equivalent to 2-5 sold per customer per week my guess would be this is something to do with home delivery that you cannot opt out

Ok Tightwads I need some strategies, with the rise in costs of everything (I don't need to break it down because we are all feeling it). I need help.

What is everyone cutting and more importantly what are some hacks for saving ? The tighter the better.

Spare a thought for all these poor REA that now have to actually work to sell a house.

hey guys,

im 21 F, and i’ve consistently had about 1.5k in zip debt since the age of 18.

i got basically kicked out of home at 17, and have barely made ends meet since then so have just constantly been in the cycle of paying some off, then being short on money because of payments, so then having to use it again.

does any one have similar experiences? do you have advice? i feel like such a failure because im so young and already have debt.

thank you

My partner (35m) and I (36f) have been in a relationship for 10 months. I have been renting for 3 years prior to meeting him. He and I are in different financial situations. I finally see a chance to make a move on a small unit or townhouse in the outer suburbs using the government help to buy scheme (this scheme does have genuine downsides but after careful consideration I have found it is right for me based on my feelings, personality and values). He on the other hand is in credit card debt with little savings and he told me that his credit rating isn't the best. When I met him, he was living at home with his parents. He has been living with me over the last 6 months and not contributing to rent or bills. He buys groceries here and there and is loving in other ways and really spoils me on special occassions. He has made offers to help me when he can. I've been feeling a lot of resentment towards him lately. I told him of my interest to get out of the rental market and secure my own place. I worry about my financial future and security. I feel vulnerable as a 36 year old female continuously paying rent. He says he doesn't want me to buy my own place and that and if I proceed with that decision then he will not stay in my own home with me. He has the firm belief that couples should buy together, but, beliefs and financial facts are different. I am feeling really torn and don't know what to do. He says that he will be ready in 12 months to buy with me and that we should buy together but I am not optimistic given his income, work ethic, and his spending and saving habits. Especially when I look at his pattern living with me over the last several months. At times early in our relationship, he has asked me for money before for his bills until I drew up some form boundaries and now he doesn't ask. He often worries about his bills. I don't know where his money goes. He has resentment towards his parents for not helping him enough. I do love him and care about him deeply, but I feel like I shouldn't have to delay my goals just because he is not ready and for a relationship this soon. I worked really hard and made a lot of sacrifices to have the base I do now. He wants us to move and rent an apartment somewhere else as we both heavily dislike where I am living now. He wouldn't be able to afford to rent an apartment on his own. However, with his finances I am worried about signing up for a lease with him and risk paying 2.3k+ per month for us if he fails to pay his share, and losing away a portion of my income that I will never get back and delaying my goals in the process. What do you think I should do?

I currently hold a low income healthcare card as I'm a full-time student and am unemployed. I recently got a job at my uni's student life office, which is casual (most likely would be 3-4 hours a week on a regular basis) but pays around $43/h. I am intellectually and physically disabled so I rely heavily on this card to buy several types of medication regularly, and I am worried that I will not be able to apply again when it expires in February. I know there is information available on the Services NSW website but I am struggling to understand and hoping someone could put it in simple terms for me.

Thank you in advance!

I am currently with Up for personal banking and I love it, recently set up a Westpac Business One account for my Sole Trader business and I'm not a fan so far.

I don't like that when I take transactions on Saturday's and Sunday's, the transaction shows as the settlement date on the following Monday (but I can get over this), what I am mainly looking for is a bank account that will show the transaction timestamp (for incoming PayIDs), in my nature of business at market stalls it's very handy for me to be able to cross check my transactions using their timestamps on the day.

This seems like such a simple thing and I have no idea why this would be left out of a banking app.

Can anyone who uses a NAB business account or any other business accounts confirm if they have this feature?

Hi guys, my wife and I just bought our first apartment in July with an $880k loan. With the size of the loan the recent rate rise has stretched up and another forecasted is worrying. Would it be worth talking to lenders and see if anyone can do better than what we have at the moment?
I saw someone comment this recently so thought I’d ask. Thanks in advance for any advice