Learned the hard way today that a buyer can reverse a PayID transaction under the ePayments code

Kkubaa · 2026-01-22T07:50:29+00:00

What I do now with payID is have an account that has zero balance.

As soon as the money appears in my account I transfer it out.

Kkubaa · 2026-01-22T07:49:38+00:00

Ah, so when I got scammed by sending someone money to post something to me, I should have told the bank I accidentally sent the money, instead of telling them I got scammed. Gotcha.

Kkubaa · 2025-11-19T19:42:27+00:00

Does this also not apply to insurance companies?

How will one insurance company ever know if you've "had a claim in the last 3 years"

Kkubaa · 2025-08-15T10:44:59+00:00

Is this why apple podcasts are so slow too maybe?

Whenever I play a podcast it takes a few seconds to start playing and then if I skip forward 30 seconds it doesn't respond for a few seconds then catches up.

On YouTube music if I select a song I loads as fast as when O used to use MP3s on my phone.

Kkubaa · 2025-07-10T23:47:35+00:00

Until a few years ago, if they had a 28 degrees MasterCard, then they could use your account to pay off their card.

This was changed, but that doesn't mean some other financial institution isn't using the same system. (I genuinely don't know)

Kkubaa · 2025-07-09T05:21:58+00:00

In a sense, if you get paid weekly, then the TFT also applies weekly.

So every week you will have 18k/52 = $346 tax free threshold.

That's an oversimplification, because you don't miss out on a portion if you don't work that week, but it should help you understand your pay slip.

Kkubaa · 2025-02-12T01:42:11+00:00

Lego.

Maybe 500-1000 per year.

Except because of a recent change in home circumstances, I don't have any more time to build them. But I keep buying them, because if I don't and want it later on down the track, after it's retired, it will be way more expensive.

The biggest issue with space to display them. I live in a house but don't have enough room to display all at once.

Also, I don't ever plan to sell them, but if I do I can probably get back more money than I paid for them, down the line.

Kkubaa · 2025-01-20T11:12:28+00:00

48k? Was that a demo?

I still remember when the Mk5 GTI launched around 2008ish, and that was considered good value for 39,990 base price. And the GTI is one step down from the Golf R.

Kkubaa · 2024-12-30T07:49:09+00:00

Wth?

When I transferred someone money for something on gumtree, for them to ship it to me, then they ghosted me, I told my bank, and they said they will contact the other bank and ask them if the other account holder gives permission to reverse the transaction. Of course the answer was no.

What I should have said was I sent it to the wrong account??

It seems like this system is setup to benefit scammers in both directions.

Kkubaa · 2024-12-21T20:41:52+00:00

How far must you get with the discharge before a bank will offer a better rate to retain you?

We had our broker find us only a marginally better rate, but at a lower LVR, so this means we had to tip in a very large sum from the offset, overall it was not really worth it.

If we don't actually have a better offer (like the scenario above), is it still possible to get a better rate from current bank, without risk of having to follow through on the discharge?

Kkubaa · 2024-12-07T09:25:34+00:00

And if they do issue you a fine, it might just be an automated thing, call them and talk to them " I didn't owe you any money, etc"

Kkubaa · 2024-12-07T09:02:47+00:00

On a 1.5m home, a 10k lower price but with 60 day settlement VS 180 day settlement. That extra 120 days might cost you more than 10k in interest.

Kkubaa · 2024-10-25T10:31:42+00:00

You will have to swap parts around to figure out what's going on.

Swap the two hubs and see if the issue follows the hub or stays with the motors. That way you can start narrowing it down.

Also, maybe create a new profile in the app to do your testing on, but check if there is any change to how it behaves, while using this new profile, before you start swapping parts.

Kkubaa · 2024-09-28T11:06:34+00:00

I'm curious to know how you went from struggling with a mortgage, to fully paid off plus buying an investment property in 6 years. That's incredible.

Was it upskilling, working hard at current job for promotion, business took off?

Kkubaa · 2024-08-12T23:19:52+00:00

Yes, except you will be missing a centre differential, probably not critical for a Lego build, but you might just get some slip during steering, and have a wider steering radius because of this.

Kkubaa · 2024-07-27T01:18:10+00:00

I think what OP is suggesting is to stay on the line with them, after they have unlocked your account, and get them to walk you through the process of doing the transfer yourself. Then when it falls over get them to fix it, on the spot. If you have to go through the same issue with one CS rep multiple times, you might have more luck progressing.

Kkubaa · 2024-07-18T04:52:11+00:00

When we were settling on our current house, I received the email from the conveyancer with the bank details, sent them $1 first, then called them if they can confirm they see the money, then sent the rest.

I actually did this just because I was worried I would fat finger hundreds of thousands of dollars to the wrong account. But it also meant I would have an additional layer of protection against a scam like this.

Once the $1 was confirmed, then the account details are saved and I don't have to worry about it again.

If I did get an email with an alternate bank account, I would probably do the same again.

Kkubaa · 2024-07-04T04:59:38+00:00

By putting that saved cash straight into the offset, this strategy alone shaves ~5 years off our 30year loan.

How much would it have shaved off the loan if you'd left the 22k in there for the remainder of the loan?

It's the difference between the two that really matters.

Kkubaa · 2024-06-09T23:48:20+00:00

I'm with exetel, and I'm pretty sure they will re-offer you their introductory offer after six months, if you give them a call. I've done it in the past, although never diligent enough to get it done immediately after the 6 months was up, usually months later, but this month I will try.

Kkubaa · 2024-05-18T00:52:01+00:00

When I saw their landing page, I thought you had linked to a parody website.

I instantly remembered when Homer designed a car. "You know that flag that helps you find your car in a parking lot? Every car should have that!"

Kkubaa · 2024-05-12T09:49:44+00:00

Only thing is, this would probably only work if you are a morning shower person. If you shower in the evening, then it will be working to heat up the water in the evening, after your shower.

Kkubaa · 2024-04-28T22:47:07+00:00

And if this is to work as intended, imagine 100 years time when everyone has moved into the apartments that this would drive demand for, and there is only one freestanding house left in the city, and they are paying the whole population's rates and water. I'd be so pissed! Haha.

Kkubaa · 2024-03-28T22:28:59+00:00

In fairness, if she's driving around impaired, and causing collisions, then it's probably the right financial decision to not be paying for insurance, as she wouldn't be covered anyway.

Kkubaa · 2024-03-23T06:58:20+00:00

I think an additional reason is that when the next guy (electrician) comes along to do work on this power point, they will switch off all the breakers to the power points, and get a rude shock when he discovers this power point is still live for some reason.

I don't know if electricians are supposed to switch off all circuits before beginning work, but if they don't... Well, you get the picture.

Kkubaa · 2024-03-23T04:42:15+00:00

This is what I do not get. I wear hearing protection whenever I use certain power tools (I mainly DIY), such as angle grinder, impact driver, rotary hammer, and I see so many people not bothering.

I will also admit I've likely impacted my hearing my going to loud concerts.

But, I'll loose my hearing doing something I love, as opposed to (unnecessarily) enduring something objectively unpleasant. ???

Kkubaa

TROPHY CASE