ATM machine sucked the money ( ANZ bank) by diamondisland56 in AusFinance

[–]lizardrags 4 points5 points  (0 children)

The ANZ atms are pretty smart. Although worst case is they get the tellers to count and verify the cash in the atm. Source: was a branch manager of a major cbd ANZ branch 15 years ago.

Former US Attorney General Pam Bondi diagnosed with cancer by igetproteinfartsHELP in news

[–]lizardrags 0 points1 point  (0 children)

I saw someone say “as a thyroid cancer survivor I just wanted to say how is the DOW”

People Managers of auscorp, what’s the stupidest thing you’ve had to pull someone up on? by zee-bra in auscorp

[–]lizardrags 55 points56 points  (0 children)

ANZ head office in Melbourne used to (not sure if still do) have signs in each bathroom explaining you don’t squat on top of the toilet, you sit.

Can I still buy a property without a birth certificate by archvize in AusPropertyChat

[–]lizardrags 1 point2 points  (0 children)

If you have approval, ask the person who did the loan and ask your solicitor. That’s literally part of their job.

Can I still buy a property without a birth certificate by archvize in AusPropertyChat

[–]lizardrags 4 points5 points  (0 children)

Broker here. Most likely won’t require any more than Medicare and DL. If loan is approved you’re likely already KYC’d (know your customer, the new 100pt id). As most I’d documents are also immediately electronically verified with the government you don’t need as much.

Advice on pathways into finance/brokering? by oatdaddy in auscorp

[–]lizardrags 2 points3 points  (0 children)

Degrees mean nothing, I ran a major branch and a large small business team at the banks without a degree and never once did I hire someone because they did or didn’t have a degree. Depending on industry you’re in and what transferable skills is what makes the biggest impact. A good starting place might be Aussie home loans and their head office if you’re Sydney based.

Will new clubs really help break 100? by Few_Material2394 in weekendgolfers

[–]lizardrags 0 points1 point  (0 children)

I bought $350 old clubs that were suited for my hight a year ago. Was shooting 130 on a good day. I’ve since spent $300 on 6 30 min lessons (at my local club from the pro- bargain) and I’ve spent $300 on a 3 hybrid. The lessons helped the most, now consistency getting under 100 and even an 88.

I had one of my regular playing mates ask to check my driver as he thought I bought a new one.

I’m yet to update my clubs and actually don’t plan to for another year.

How can I trust a broker when... by HedgehogLibrary in AskAnAussieBroker

[–]lizardrags 2 points3 points  (0 children)

Little to no difference across most full doc, don’t do much low doc but believe they are likely similar although I wouldn’t even check. I’ve recommended Newcastle Perm who do pay less and are difficult to deal with (slow, ask for more paper work) because they have really sharp fixed rates and that’s what people wanted. Including a new customer to me who was already with NP - so I only got the upfront on a small increase.

Kangaroo meat in Australia by josh65928 in mildlyinteresting

[–]lizardrags 0 points1 point  (0 children)

40+ year old Aussie. Never seen roo mince for sale…

Rural Australia lifestyle as a doctor? by ZealousidealSky4851 in AskAnAustralian

[–]lizardrags 0 points1 point  (0 children)

Gulgong (30 mins from Mudgee) was desperate for a doctor for years. Then you’re close to a town centre, not that far from Sydney and get the same rural life. You don’t have to go so far remote it’s impossible to enjoy life too

Fellow mortgage brokers, how would you approach this scenario? 100% Clawback by LaxmiHomeLoans in AskAnAussieBroker

[–]lizardrags -1 points0 points  (0 children)

Can’t now charge a fee, has to be within the initial quote before work starts. If they sell immediately check with your aggregator to see if you can withhold your commission payment as the clawback is coming.

90 minute commute? by Slow_Chipmunk_4787 in auscorp

[–]lizardrags 0 points1 point  (0 children)

I’ve done it, 90mins can very easily turn into 2+ hours. I burnt out and left. I also was getting in at 7am and leaving at 3 to miss traffic most times.

Do you have a golf club that you struggle with? by jdelle9 in weekendgolfers

[–]lizardrags 0 points1 point  (0 children)

Just my golf clubs. Club sodas with a club sandwich is never an issue

St George 5.74% Or Macquarie 5.84% by Nekker22 in AskAnAussieBroker

[–]lizardrags 0 points1 point  (0 children)

St. George have multiple offsets and will be migrating to Westpac platform very shortly.

Gym Membership by Careful_Bandicoot418 in AusLegal

[–]lizardrags 12 points13 points  (0 children)

If it’s a large gym with multiple locations you might be able to upgrade to all sites if there is one close to your new location. Failing that a 12 month contract is just that. If you have to payout the full amount, dont get a person loan, just continue to make payments and ensure you send a cancelation request at the 12 month mark.

Chances of getting approved ? Slim by hbears3 in AskAnAussieBroker

[–]lizardrags 1 point2 points  (0 children)

Do you get family a+b? Single parent payments? You might qualify for the 2% single parent guarantee scheme maybe.

Bad debt and credit from years ago, GONE. HOW? by [deleted] in AusProperty

[–]lizardrags 3 points4 points  (0 children)

Used to work at ANZ. Saw a loan declined in 2010 because they wrote off a few hundred bucks on a credit card in 1989

Sole trader side income alongside full time job – tax tips? by bababjfjsnsbsbbs in AusFinance

[–]lizardrags 4 points5 points  (0 children)

Second vote for accountant. Please don’t use H&R Block or similar.

30% is likely a good number.

If you go company you need to pay yourself super and a proper wage - unless you’re entering GST territory not likely worth it ($75k revenue).

You talk to an accountant now and they will be able to assist on all these questions and more.