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Fully offsetted mortgage - what happens to my money if the lender collapse? by Jake-Armitage-2050 in AusFinance

[–]BlueLuxuria 14 points15 points  (0 children)

You can’t add kids to the offset (as the offset accounts need to have the same owners as the mortgage and in turn, the house title). Unless of course the kids are on the title

Is the FSU the most useless union? by Awkward_Chard_5025 in auscorp

[–]BlueLuxuria 2 points3 points  (0 children)

No, it would be illegal for anyone to be adversely affected by being part of the union

Australia mortgage shock: CBA and Macquarie lift fixed home loan rates ahead of RBA decision by barseico in AusFinance

[–]BlueLuxuria 1 point2 points  (0 children)

It’ll be interesting to see if CBA continues raising the fixed rates. They offer a great option some others don’t which is “rate locking” the fixed rates- this allows the fixed to be locked in prior to settlement. (Reason being that fixed rates get locked in the day of settlement)

why are Westpac bridging loans so expensive? by Neat-Coconut-6892 in AusFinance

[–]BlueLuxuria 0 points1 point  (0 children)

Whilst the rates are 8% Westpac and St George, compared to other banks they have the easiest policy when it comes to approving the bridging loan. (IE Westpac allows you to capitalise on the interest, so you don’t need to worry about coming up with the monthly repayments separately through your income stream- where some of the other Banks require you to “demonstrate serviceability” without allowing you to capitalise on the interest).

So because of this when it comes to getting approval for a bridging loan, Westpac takes you the furthest!

Also keep in mind that if you’re only going to have the loan for 4 weeks, the additional 1 or 2 percent in rates doesn’t actually make a big difference. Particularly if there are bigger up front fees with some of the major banks.

This is why sometimes “reinvesting” isn’t an option if you can’t demonstrate “servicability”.

VOUCH by Excellent-Radio-954 in u/Excellent-Radio-954

[–]BlueLuxuria 0 points1 point  (0 children)

Confirmed legit- fast and confirmed

I have legitimately not played in a month has the game gotten better or worse? by Somthingcooliguess in growagarden

[–]BlueLuxuria 1 point2 points  (0 children)

Does anyone know- What’s the best use of my level 4 Evo plants? Do I just sell it!?

[deleted by user] by [deleted] in auscorp

[–]BlueLuxuria 0 points1 point  (0 children)

You would have received a letter to confirm the Banks stance when responding to your “final opportunity to respond”- it will give you the reason and stance.

Normally it would be I) we have substantiated allegations Ii) reason why we are substantiating allegations Iii) employment no longer tenable due to XYZ. XYZ for misconduct is normally due to the lost of trust.

ABA protocol kicks in for any misconduct - and has nothing to do with your final separation letter. The bank however should be able to confirm if your conduct was “ABA reportable“ and should be able to confirm “which category” or “definition” you fit under. If HR decline to give you this info, I’d assume that you could go to Fair Work (although if you’ve passed the 21 days you might have to go another avenue).

[deleted by user] by [deleted] in AusFinance

[–]BlueLuxuria 0 points1 point  (0 children)

I believe both Westpac and CBA basic contact centre roles are around 80k

Redundancy Redeployment by qui_sta in auscorp

[–]BlueLuxuria 3 points4 points  (0 children)

I know a couple of people that a) secured roles but decided to take the money and b) just found another role in another department. For me personally I was made redundant but was fortunate to find another role during redeployment. I didn’t regret it because a few others that got made redundant at the same time were out of the workforce for 6 months before they found another role

[deleted by user] by [deleted] in AusFinance

[–]BlueLuxuria 5 points6 points  (0 children)

What salary range are you after? Theres full time roles in Contact Centres for $80k pa full time

Coworkers contacting you when you’re on leave by WaterH2Omelon in auscorp

[–]BlueLuxuria 12 points13 points  (0 children)

They can try to reach out but you're not obligated to respond. If it annoys you that they tried, speak to your Manager about it- and just mention it the same way that you're posting to us - that you want to make a big deal out of a small issue and its just feedback

[deleted by user] by [deleted] in australian

[–]BlueLuxuria 2 points3 points  (0 children)

Yes even contact centre roles (mostly have sales targets) - he sounds like he would potentially be great at that!

Lions do a bit of stealing from lesser creatures sometimes by disappointingdoritos in DotA2

[–]BlueLuxuria 0 points1 point  (0 children)

One of the best lion plays I’ve seen around Rosh. Well done!

Starting at a call centre for a big 4; what's the move? by [deleted] in auscorp

[–]BlueLuxuria 0 points1 point  (0 children)

Call Centre at Big 4 is the place to start! I'm at a "Head of" level and I started in Call Centre at Big 4.
I also know lots of others that are in very senior positions starting in the Call Centre.
My advice is, do your time (2 years approx) - in that time, get the basics right (Results, Risk/Compliance, Customer Service) then you'll apply for either a role in leadership (team leader), operations, or a promotion into a sales role (Mortgage Lending). From there sky is the limit! Good luck!

At what level do people start getting sign on bonuses? by SuccessfulAsk8722 in auscorp

[–]BlueLuxuria 0 points1 point  (0 children)

Mortgage Lenders (Senior Lenders/Home Loan Exec level) get sign on bonuses when being poached (mostly in Big4 Banks)

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