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  1. SydneySwan

    Coles gift card offers

    That is not correct. My catalogue is 25 Dec to 31 Dec.
  2. SydneySwan

    Coles gift card offers

    I have the NSW Metro catalogue - it is only 16 pages!
  3. SydneySwan

    Coles gift card offers

    Is this offer on? I didn’t see it in the catalogue. I am in NSW.
  4. SydneySwan

    Made any travel mistakes lately?

    Uber prices never seem to be fixed. That is why I use Didi instead.
  5. SydneySwan

    Your 2024 year of travel in review

    Here are my stats for 2024: Number of flights: 26 (14 Y, 12 J) Kilometres flown: 108057 (88070 J, 19987 Y) Countries visited: 14 (including 5 new ones - Portugal, South Korea, Slovakia, Czechia, Cambodia) New airlines flown: Asiana, Vietnam Airlines Only problematic flight was Cebgo from Cebu...
  6. SydneySwan

    Have you topped up a UK pension to cover gaps?

    My bolding. I don't want to be too pedantic but your pension is frozen from when you first become entitled to it. If you apply for it after you are entitled to it you don't get the benefit of increases that have happened in the meantime. I posted the above in July 2024. The movement to unfreeze...
  7. SydneySwan

    Have you topped up a UK pension to cover gaps?

    A primary benefit of using a UK bank account is when paying for future years. You can setup a direct debit so that DWP can debit your contributions for future years as they are due.
  8. SydneySwan

    New aviation industry ombudsman & customer rights charter in Australia

    Another weak announcement from Ms King which promises nothing new. If anything it just makes life easier for airlines to cancel your flight and refund you and leave you paying multiples of your original flight to find an alternative. It should be mandatory for airlines to rebook you on a...
  9. SydneySwan

    AFF Member Stock Discussion

    I am going out on a limb here but I am tipping a down day today.
  10. SydneySwan

    New Amex statement credits

    What GCs are you buying @Dr Ralph?
  11. SydneySwan

    Have Velocity's reward charts become overly complicated?

    That's confidence for you but I am have my doubts that Virgin still be around then.
  12. SydneySwan

    Article: How to Get a Refund to a Cancelled Credit Card

    'The bank that issued your card should have a process in place to deal with refunds to closed cards.' So should airlines yet they tend to treat it as something completely unforeseeable and not their problem. They should have a documented, easily-accessible process in place..
  13. SydneySwan

    New Amex statement credits

    Many of these sell GCs which presents a bit of a dilemma. Are the Porters, Cellarbrations, etc part of big corporations or are they really little independents? Who is funding the Amex credits?
  14. SydneySwan

    The Stocard App

    When I posted this I was in Spain. Now that I am back, no message and Stocard working normally.
  15. SydneySwan

    Overseas Medical Reciprocity

    If your son has been living in the UK since 2020 he should be treated under the NHS scheme just like any other UK resident.
  16. SydneySwan

    Overseas Medical Reciprocity

    These reciprocal agreements are a bit of a minefield. I have a UK NI number and a UK passport as well as a Medicare card and Australian passport. I remember being told by admin clerk at a UK public hospital that I was only covered for their definition of 'emergency' care under the reciprocal...
  17. SydneySwan

    Superannuation Discussion + market volatility

    Yes if you have unused concessional contributions cap amounts available from the previous 5 years to accommodate this and your total super balance is less than $500,000 as at 30 June 2029...
  18. SydneySwan

    Fraud on Velocity Frequent Flyer accounts

    I imagine one of the Virgin directors must have got hacked so it suddenly became a priority.
  19. SydneySwan

    Cash or Card? Countries where you still need cash.

    Just spent a month in Portugal and Spain. No fee at Portugal bank ATMs - just be sure to avoid the Euronet ATMs. In Spain fees are high but there are occasional ING branches with ATMs that were fee-free using my ING card. Generally cards accepted in most places except some museums...
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