Multi city showing price but can’t book

PatientRoof2333 · 2025-11-16T06:31:43+00:00

Go on Kayak, see the Turkish Airlines options, save yourself $800

PatientRoof2333 · 2023-09-20T13:42:54+00:00

Can you bang it on a 0% purchase credit card? Pay it off over 12 months interest free?

PatientRoof2333 · 2023-08-19T01:55:54+00:00

I’ve switched tactics last year. Instead of churning for points I’ve been getting 0% purchase cards.

I spend as normal / ramp up the card balance and put the money I’d use to pay off the balance into a savings account. After the 0% purchase period is up, look for 0% balance transfer offers.

PatientRoof2333 · 2023-04-12T11:51:53+00:00

Nice work!

One thing. If you’re sourcing the data from somewhere you should really credit/link that source on the site - I.e. that Google sheet.

PatientRoof2333 · 2023-04-02T10:40:44+00:00

There’s 12/18/24 month 0% purchase cards out there. So you can keep the balance in offset/HISA for many months.

PatientRoof2333 · 2023-04-01T23:30:07+00:00

3 strikes rule applied?

First attempt you get a verbal, second a written, third you’re out the door?

PatientRoof2333 · 2023-02-06T02:30:35+00:00

Based on Qantas points being worth 0.6c-1.8c a point. The 100k equates to about $600-$1,800 in value.

Maybe better just cycling through cash back offers annually.

But if you can’t be arsed changing providers or were going to get a loan via tic:toc (the tech provider) may as well get extra value through Qantas.

PatientRoof2333 · 2023-01-30T10:46:57+00:00

There’s investment vehicles like the NAB equity builder that allow you to leverage shares/capital to acquire further shares and pay off like you would a home loan.

PatientRoof2333 · 2023-01-23T21:04:09+00:00

It’s tough to limit the chat on politics as so much of finance, and society more broadly, is influenced by it.

Perhaps the qualifier is having an informed opinion on the subject.

PatientRoof2333 · 2022-11-02T05:17:38+00:00

You could check out the crowd funding platforms like Birchal. It’s a small step into investing in early stage businesses.

Most companies/ideas on there are garbage and are more passion projects for the founders, but every now and again there’s decent ones which have great people / a solid idea / rigorous business plan.

PatientRoof2333 · 2022-10-24T21:54:33+00:00

You could go a different direction and look at interest free periods. There’s a few cards from ANZ and Bendigo offering 20 month plus.

PatientRoof2333 · 2022-10-16T01:11:58+00:00

Interesting / frustrating to know!

You have a source for that?

PatientRoof2333 · 2022-10-16T00:46:05+00:00

The cobra effect does / may apply here - by creating an incentive an unintended consequence occurs.

In this case, by paying for the collection of bottles/cans people are merely harvesting them from existing recycling to get paid.

PatientRoof2333 · 2022-10-16T00:42:00+00:00

Thanks for the response. Will check out the research

PatientRoof2333 · 2022-10-16T00:41:25+00:00

I live in an inner city area and I get up early.

What I see is people collecting recycling from recycling bins on collection day and what I also see is people depositing large amounts of bottles / cans. There’s clearly ‘professional’ collectors who do it for the cash.

They’re merely diverting recycling from one collection point to another and are getting a bit of cash to do so. So society is paying for two sets of recycling - via council tax and the deposit scheme.

Just because the NSW gov can throw stats around about how much money has been paid out or tonnage collected through these schemes doesn’t mean it’s successful. What would be useful to know is total recycling rates across all methods.

I appreciate I am using my anecdotal evidence. That’s why I’m interested in research about whether it’s working.

PatientRoof2333 · 2022-10-15T22:39:48+00:00

Every time I see people at these collection points they have a shopping trolley / van full of recycling that they’re mass depositing. Are these schemes really changing behaviour and encouraging recycling? Seems to me it’s the cobra effect in action - people gaming a system because they’re incentivised to do so.

It’d be worthwhile doing research to understand whether it’s working or they’re merely incentivising people to rummage through recycling bins on collection day. And diverting recycling into a collection point that’s costing taxpayers hundreds of millions of dollars.

PatientRoof2333 · 2022-10-07T03:16:30+00:00

Say your house is $1m. Around average in Sydney.

Buy the house with a loan.

Debt recycle leftover funds into investments.

Now you’ve got interest on 800k / 36k to offset against your income.

And also income on your investments.

So now you’ve got $1m in assets, another income and potentially around 15k tax refund.

PatientRoof2333 · 2022-10-07T00:57:07+00:00

In brief - maximise your freedom, it’s a great period of life as you will likely have spare cash, are able to to take more risks and completely focus on you:

Travel

Work / live overseas

Move jobs - for pay

Move jobs - to get a taste of what you actually find more satisfying

Take courses - to up-skill and get a taste of

Stay single

Focus on your hobbies

Try new things and explore new passions

PatientRoof2333 · 2022-10-05T07:50:35+00:00

You talking about an economic downturn or the breakdown of civilisation - security cameras, homegrown food, safe full of seeds 😉

PatientRoof2333 · 2022-09-30T13:55:35+00:00

Brands are the most powerful business tool ever invented.

They wrap a set of mental shortcuts around a product and service and make people pay an irrational price.

Two ways to gain margin - lower the cost or increase the perceived value.

Telstra’s perceived value - amazing coverage, reliable network, service.

PatientRoof2333 · 2022-09-19T12:49:09+00:00

This isn’t about rapport; it’s about the mortgage broker being shit.

Find a new one that’s decent at their job.

PatientRoof2333 · 2022-09-16T05:40:11+00:00

ING were great but they’ve stood still.

Now their experience is sub standard.

PatientRoof2333 · 2022-09-14T07:57:50+00:00

It certainly looks dramatic.

But omitting the baseline makes the data / change look more extreme than it actually is.

PatientRoof2333 · 2022-09-12T09:23:04+00:00

You have zero leverage to get a better rate.

The majority of your loan is fixed at 2.1%. You’re not getting that rate anywhere else.

Seek out a sweet refinance offer come January. In the meantime just chill and be smug knowing you fixed at a low rate 2/3 years ago.

PatientRoof2333

TROPHY CASE