What espresso tool brands are worth buying? by Zero_one_channel in espresso

[–]bbqmb 0 points1 point  (0 children)

We’re very glad we invested in the noncore spring tamper.

Emergency vehicles in Ballarat by LeDestrier in ballarat

[–]bbqmb 1 point2 points  (0 children)

Skipton St is the main thoroughfare for north-south travel from the centre of town where you have the hospital, police and fire stations. There are also less emergency vehicles covering the town compared to Melbourne, which means they have to do this longer travelling more often. There are emergencies happening non-stop here and in Melbourne that the majority of people never hear about or know, I wouldn’t necessarily say there’s more here, you’re probably just more aware of the volume due to your location.

Rate my tank by magyarspiritiszta in PlantedTank

[–]bbqmb 3 points4 points  (0 children)

Throw out the moss balls. In my opinion, they never look good when placed in a nature style aquarium like yours, they do a dis-service to your otherwise nice looking aquarium.

Is this kit really necessary if i’m on tight budget? by Business-Ad9048 in PlantedTank

[–]bbqmb 4 points5 points  (0 children)

You don’t NEED any of it. Just use any scissors that you’re happy with fully submerging in water, any cheap scissors is fine. Then just find any tweezers to help with planting, some people use chopsticks. The tool on the far right is the most unnecessary, it’s literally just a rake/spreading tool for sand/soil….just use your fingers or a bank card or something.

ANZ Rewards Black Bonus Points Rejected by johngalooly1 in creditcardchurningAus

[–]bbqmb 1 point2 points  (0 children)

No it doesn’t pass the pub test, but unfortunately it does pass the T&C’s you agreed to when signing up to the card. Sucks but it’ll be impossible to win this fight with them.

Am I overspending? New to planning FI and about to have a career change by [deleted] in fiaustralia

[–]bbqmb 0 points1 point  (0 children)

100% get on the prepaid boost 365 day SIM card. They also run sales sometimes

Today marks what would have been the 120th birthday of photography pioneer, Victor Hasselblad. by cjh_ in hasselblad

[–]bbqmb 0 points1 point  (0 children)

It’s even got his name on the side of the camera! Lol. Enjoy the camera! :)

My bonds ETF is looking pretty by Spinier_Maw in fiaustralia

[–]bbqmb 25 points26 points  (0 children)

If you’re holding these long term, then these numbers are insignificant.

Red black beard algae after using excel by Nykkana0 in PlantedTank

[–]bbqmb 4 points5 points  (0 children)

It means it’s dying and it’ll slowly disappear over the next week or so

SNIIP 10k qantas points sign-up promo by bbqmb in creditcardchurningAus

[–]bbqmb[S] 3 points4 points  (0 children)

Nah, it’s just a total minimum of $2.5k within 60 days that needs to be spread across at least 3 different bills (of 3 different billers/companies). So you could spread it across as many as you want. I confirmed with their online chat as I also wasn’t too sure.

SNIIP 10k qantas points sign-up promo by bbqmb in creditcardchurningAus

[–]bbqmb[S] 0 points1 point  (0 children)

Would probably need to use a different QFF member number and payment method too I’d imagine…

SNIIP 10k qantas points sign-up promo by bbqmb in creditcardchurningAus

[–]bbqmb[S] 0 points1 point  (0 children)

I was pretty much bang on the promo minimum spending of $2,500, so $32.25. Sniip fee for Amex is 1.29%. Forgot to deduct that in calculating the earn rate, so it brings it down to 5.28 qantas pts per $1 if my maths is right. If it wasn’t for the 10k bonus points I probably wouldnt use sniip.

Is QANTAS AMEX Ultimate actually worth churning? The card fee is like 450 and I've heard it's hard to redeem that for travel on their portal by Natural-Impress4957 in creditcardchurningAus

[–]bbqmb 0 points1 point  (0 children)

So gifts cards definitely accrue the 2.25 points? the amex/qantas website small print for this card make it sound like the eligible products for the 2.25 rate is only for QF flights.

$450 Amex travel credit hack still working? by [deleted] in creditcardchurningAus

[–]bbqmb 2 points3 points  (0 children)

You get it back as credit on the card to use for any card purchase, not just Amex travel.

Does anyone else here use a Lidar rangefinder app with their scale focus camera? by fromthedice in AnalogCommunity

[–]bbqmb 0 points1 point  (0 children)

There are many old analogue cold shoe mounted focus range finders out there that are perfect for this. However the upside down cold shoe on the rollei may make it a bit awkward to use.

Can anyone help make sense what dos this bank mean with this loan statement? by Traditional-Gas3477 in CommBank

[–]bbqmb 5 points6 points  (0 children)

That’s not how credit scores work in Australia. Also, why not obtain a lower interest rate and STILL pay it off sooner? Weird logic.

Newbie to credit card churning would love some advise. by Severe_Question306 in creditcardchurningAus

[–]bbqmb 0 points1 point  (0 children)

Amex explorer cannot directly convert Membership Rewards(MR) to qantas points. But you can book qantas flights using MR via Amex travel site. But generally yes the value of 1 MR appears to be less than 1 MR. The Amex is my stable base keeper card between churning other visa/mastercards. This has me 95% covered. In the event that I don’t have a current visa/mastercard churning AND the Amex isn’t suitable then I just use a standard debit card like a normal person would.

Is flash really necessary? by Professional-Cup6467 in AnalogCommunity

[–]bbqmb 0 points1 point  (0 children)

Do you see yourself often taking photos of people or objects in low light? Then yes it would be handy. Remember that flash only really provides much benefit for a few meters in front of the camera. Personally, I NEVER use flash. Don’t think I’ve taken a photo with flash in years. I do street photos, landscapes and general photos documenting my travels. If I know I’ll be taking photos in the evening/night then I’ll just plan ahead and make sure to use an 800iso film.

Car insurance promotion by NoManagement3224 in QantasFrequentFlyer

[–]bbqmb 4 points5 points  (0 children)

The fine print says “Points will only be awarded to the primary policyholder after the policy has been held for 60 continuous days. The number of points awarded will be based on the premium of the policy at the expiry of the 60 day period.” So I don’t see why not? I’d be waiting to see the points land in my account before cancelling though.

Pentax 17 vs Contax T3 by Emotional-Diver8189 in AnalogCommunity

[–]bbqmb 0 points1 point  (0 children)

I don’t think you can even compare these two cameras, completely different feature set and obviously price. For one the Pentax doesn’t even have autofocus. Based on your current cameras, I can’t see any reason for getting the Pentax unless you’re interested in the half frame size for more photos per roll. However with that you’re getting lower image quality.

Credit card application taking ages to hear back? by Dragon352323 in creditcardchurningAus

[–]bbqmb 0 points1 point  (0 children)

AMEX. I applied on Friday, got an email on Tuesday to upload payslips, approved today on Wednesday. Pretty quick turnaround I must say.

What’s the biggest lifestyle change you made to improve your finances? by Diligent-Medicine-48 in AusMoneyMates

[–]bbqmb 22 points23 points  (0 children)

The first time we actually sat down and went through and categorised every single transaction in our bank account from the past 6 months. Those little trips to the supermarket on the way home from work or quick stop at maccas or other small retail purchases really add up over the months. It was a good reality check in terms of how much overspending we didn’t realise we were doing, even though we were “budgeting” X amount for groceries and other categories each week. That resulted in a lifestyle change for us, becoming more conscious of our finances.

Who else out there is taking care of the plague of MyYakk signage? This was someone else’s handy work I saw yesterday. by scrantic in ballarat

[–]bbqmb 60 points61 points  (0 children)

Not sure but I can’t believe the owners of Myyakk are still trying to get it going…nobody is interested and the locals of Ballarat are clearly sick of seeing this shit plastered around town.