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Australian Members - Page 2853

post #42781 of 55950
Quote:
Originally Posted by fxh View Post

edit: I see others have mentioned rewards programs - in my not so humble - not worth a pinch of the proverbial. After years of using CCs for everything - I once even brought a second hand car on a CC, I think I have enough points to get a tea towel or can opener. I just got a statement from bank pointing out I'll start to LOOSE 1,000 every 3 months or something. And I'm with the really nice bank.

 

Disagree. 

 

Once you're cracking 100,000 amex MR points that's a 1 way first class ticket from Mel-London. 

 

Now if you were #ballin' and buying fancy cars on such a CC, you'd be easily able to rack up a few hundred thousand MR points. Free first class trips ain't such a bad perk, yaknow. 

 

Plenty of small business owners use company CC's to generate miles/points and then its free travel time. 

post #42782 of 55950
Over the years I've picked up really nice wooden suit hangers with various degrees of wide thick shoulder and nice neck curves from odd sources. At one stage K mart had good ones for a few $$, second hand from opshops etc, Mei Picchi - is good for reasonable priced new ones on occasion, http://www.meipicchi.com/. Nothing wrong with good big wide plastic ones if you can get them - sometimes asking a menswear shop will get you a few free ones. I have a whole bunch of collar stays - also a few nice bendy metal type ones.
post #42783 of 55950
yeah well I don't have amex
post #42784 of 55950
Quote:
Originally Posted by fxh View Post

Warning: Spoiler! (Click to show)
I have aways done this - even groceries and utility bills etc until many stopped accepting CC for bills. You can set up the electronic accounts to sweep the CCs accounts clean the day before they do the interest/payments thingo.
BUT. And its a big but as you can see - you have to be disciplined and not overspend your cash ability to pay on time - otherwise - interest "penalties" for not paying exceed any benefits of free loans for 30 days..

edit: I see others have mentioned rewards programs - in my not so humble - not worth a pinch of the proverbial. After years of using CCs for everything - I once even brought a second hand car on a CC, I think I have enough points to get a tea towel or can opener. I just got a statement from bank pointing out I'll start to LOOSE 1,000 every 3 months or something. And I'm with the really nice bank.
Too true - the prices they put on the "rewards" make DJs look like Big W. Spend $30k on your credit card and get a blender that they say is worth $150, but is actually $20 from Kmart. Or a golf ball marker or some other piece of tat for 8,000 points... You're better off getting cash back as a reward if your program offers it, at least that's worth the face value.
post #42785 of 55950
Quote:
Originally Posted by deingesicht View Post
 

However, having a credit "history" is meaningless in Australia because the credit rating agencies can only collect data on negative aspects (i.e when you applied for a loan, late payments, default, etc). In the US, along with many other countries, they have positive reporting, where they track your repayment history, current outstanding account (with credit limits), etc. In Mar-14, Australia will move to positive credit reporting, but it will take a couple of years until the data will be useful.

 

Hopefully that makes sense.

 

Partly incorrect goodsir, at the start of 2013 Australia took the first steps towards positive credit reporting with reforms to the privacy act:

 

Quote:
As part of the reforms to the Privacy Act 1988 (Cth), new kinds of credit-related personal information can be collected about you. This includes whether you have made or missed a consumer credit payment. This new type of information is called ‘repayment history information’.

http://www.oaic.gov.au/privacy/privacy-resources/privacy-fact-sheets/credit-and-finance/privacy-fact-sheet-16-credit-reporting-repayment-history-information

post #42786 of 55950
Quote:
Originally Posted by fxh View Post

yeah well I don't have amex
...because about 3 shops in Australia accept it - and those that do charge you a price premium for using it, which probably adds up to... the cost of a 1st class ticket to LHR...
post #42787 of 55950

whats the issue with collar stays?

post #42788 of 55950
Osiris. I was commenting on the fact that within 1 month of my joining here, there Internet had me convinced that every any man worth his sartorial salt owned:

1. A collection of brass/horn/silver collar stays and would never be caught dead with plastic or shirts with built in stays;
2. A steam iron and trouser press;
3. A collection of properly sized wooden hangers for suits and jackets.

I've since realized that I do not know anyone irl who has any of these thing, though I am still a bit concerned that the hangers are actually quit important if I'm investing in pj and ss suits that I need to last for a few years at least.
post #42789 of 55950
post #42790 of 55950
Quote:
Originally Posted by ovlov View Post

Osiris. I was commenting on the fact that within 1 month of my joining here, there Internet had me convinced that every any man worth his sartorial salt owned:

1. A collection of brass/horn/silver collar stays and would never be caught dead with plastic or shirts with built in stays;
2. A steam iron and trouser press;
3. A collection of properly sized wooden hangers for suits and jackets.

I've since realized that I do not know anyone irl who has any of these thing, though I am still a bit concerned that the hangers are actually quit important if I'm investing in pj and ss suits that I need to last for a few years at least.

I dunno bro .. I don't have any of those collar stays. I may have one pair that would've been gfted to me, but I don't know if I still have them/have never used them. I don't have a trouser press, and I use suit hangers but mostly plastic ones, and have a few wooden ones. All of the above might help in maintaining the integrity of your clothes, but I don't think they'll impact on how well dressed a person is, but maybe I'm in the minority with this view.
post #42791 of 55950
Quote:
Originally Posted by ovlov View Post

Osiris. I was commenting on the fact that within 1 month of my joining here, there Internet had me convinced that every any man worth his sartorial salt owned:

1. A collection of brass/horn/silver collar stays and would never be caught dead with plastic or shirts with built in stays;
2. A steam iron and trouser press;
3. A collection of properly sized wooden hangers for suits and jackets.

I've since realized that I do not know anyone irl who has any of these thing, though I am still a bit concerned that the hangers are actually quit important if I'm investing in pj and ss suits that I need to last for a few years at least.

 

ah okay im with ya now

post #42792 of 55950
Quote:
Originally Posted by deingesicht View Post
 


The above is correct. Credit card 1) delay the actual payment of items until the balance is due 2) offers reward points and 3) provide other bells and whistles (free insurance, airport passes, VIP events, etc). For everything on credit cards head over to: http://www.australianfrequentflyer.com.au/community/

 

That forum needs a flow chart of what to do if you're a noob who wants to get discounted flights.

 

There are, what, 50 subforums? It'd take a day just to work out where to start. Jesus christ that's intimidating!

post #42793 of 55950
Quote:
Originally Posted by fxh View Post

yeah well I don't have amex

 

 

Quote:
Originally Posted by Prince of Paisley View Post


Too true - the prices they put on the "rewards" make DJs look like Big W. Spend $30k on your credit card and get a blender that they say is worth $150, but is actually $20 from Kmart. Or a golf ball marker or some other piece of tat for 8,000 points... You're better off getting cash back as a reward if your program offers it, at least that's worth the face value.

 


The miles junkie in me has to respond to this. 

 

Flybuys/non-airline loyalty programs are shithouse. Absolutely, agreed 100%. 

 

So the 1% instant cash-back schemes are pretty good. I mean its money instantly, for nothing, so can't complain there  given that you were going to have to spend it anyway. 

 

PoP - Amex is accepted at loads of places, and most places eat the surcharge, I've found. 

 

Assuming you don't pay extra for the use of the amex - and you get the value of the annual fee back - you're generating miles for nothing, and can spend them quite easily. I don't see the issue. 

 

That MEL-LHR F ticket is 100,000 miles and maybe ~$300 in taxes. RRP of ~$5k. In that case, it's a 5% return for doing nothing different. 

post #42794 of 55950

I don't own a credit card yet, trying to put it off as long as possible. 

post #42795 of 55950
Quote:
Originally Posted by Pink Socks View Post


From an old Hackett campaign - so might be pinned etc. This chap is in the upcoming Henry Bucks campaign.

I spose they call it 'homage'.

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