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  1. R

    Unsuccessful application!!

    Further to that, if the super was a problem I would use a letter of employment stating incoming rather than payslips for future applications where possible
  2. R

    Unsuccessful application!!

    Maybe they treat the salary sacrifice to super as lost income ie treat your income as 30% of what it really is. I also get at tax free component working for a charity and I haven't found a way to easily explain that. Another possibility is the closed credit card still appears on your credit...
  3. R

    Qantas Health Insurance - what are the thoughts of those that have it?

    I switched from Bupa to Qantas a couple of years ago. Another reduction in coverage on orthodontics and I cracked it. So I shopped around. Qantas worked out better. Maybe it is time to do another shop around!
  4. R

    Qantas Health Insurance - what are the thoughts of those that have it?

    I would be wary of comparing what you see on line which might be the old price with your soon to be increased premium.
  5. R

    Qantas ruined our rewards booking 2 weeks before flying

    No wonder when "management" (I assume her immediate supervisor) says no after her efforts. How disheartening for a team member. For what reason would you deny this? What is wrong with the supervisor? Is it a power trip or are they more fearful of going above some guideline than copping flack...
  6. R

    "... we'll shortly announce a major investment to improve our Frequent Flyer program"

    Yes,I am sitting on some WW dollars. They are really there to get across the line for PC/PCP I needed, otherwise I might just use them at WW. That is beside the point. The opportunity cost is the $10 off at WW on your next shop instead of 1000 FF points.
  7. R

    "... we'll shortly announce a major investment to improve our Frequent Flyer program"

    It could appeal to people not aspiring to fly J. Case in point. I recently booked MEL to OOL return. There was nothing available on Qantas. Virgin had fares of 11800 points, 14900, 29000 and more. I settled on 11800 one way but had to go above the award rate with 14900 the other. Still better...
  8. R

    Qantas Points Club Discussion

    'Other' would surely apply. Unfortunately.
  9. R

    Coles gift card offers

    So anyway, what's the incentive for giftcards (or Heritage Bank) to sell a $250 card at $231.30? Interest earnt, cards go unused, advertising? All of the above? I can't see them making a profit out of it.
  10. R

    Coles gift card offers

    Looks like the offer has ended early.
  11. R

    Coles gift card offers

    Finally! Rates due today and turns out I didn't pay the previous instalment, conveniently. But I also had Amex and CBA problems. Success with low points Coles Mastercard and desperately resorted to an ANZ debit card.
  12. R

    Shares for Dummies [One off Selling of Parcel]

    You are right about CGT, you will have to pay at tax time, if there has been a CG that is. Provided they were purchased over 12 months ago the tax rate is halved. You said you've never traded before. Does that mean you received them through work? Or perhaps you inherited them. If you inherited...
  13. R

    "... we'll shortly announce a major investment to improve our Frequent Flyer program"

    Same but different. Offers are marketed around flying. Not a lottery. I would go so far as to say that if asked you anyone who is not a member of QFF (about half of Australia) what the program is about, most would say free flights and would not be aware you could use points for toasters and the...
  14. R

    "... we'll shortly announce a major investment to improve our Frequent Flyer program"

    Yeah, but whenever a sign up bonus or similar is marketed, its always something like "..you could take off to New York..." it's never, "you could buy a brand new toaster".
  15. R

    Is Citi Plus still the best option for overseas cash?

    Not worth their effort. Cheaper to (leave customers to) deal with a handful of unwanted $0.00 balance account than build a bunch of rules and processes around some zero value customers. I would have closed the Citi account before D-Day in your position.
  16. R

    "... we'll shortly announce a major investment to improve our Frequent Flyer program"

    We meet that stereotype! My wife and I have flown 3 times to the USA on QF with 3 kids. 2 on points (the other was going to be on points but we gave up our booking when a sale come up within 24 hours). All in economy. To me, just getting 5 reward tickets is a bonus. $13k less to spend for our...
  17. R

    Article: Most of today's flights to Sydney are sold out due to Taylor Swift

    How do you know that if you don’t know the music? Ok you are probably right, but perhaps your listening habits have changed. I listened a lot to the radio when I was younger, but now less so and when I do it is less likely to be a station playing TS. My kids don't listen to the radio at all, so...
  18. R

    Qantas Points Club Discussion

    SYD to East Coast says 52 status credits for a Qantas marketed reward. It doesn't refer to segments. At least that's how I interpret it for the 52 to make sense.
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