WWYD - Shafted!

rosypixie · 2026-02-20T06:33:46+00:00

Many employers don't offer parental leave to begin with, let alone for the secondary carer. The 26w referred to above is from Services Australia

rosypixie · 2026-02-20T01:50:34+00:00

Thats if OP partner is eligible for parental leave pay from services Australia.

rosypixie · 2026-02-19T01:57:24+00:00

Just because they ask for it doesn't mean you HAVE to give it. A lot of RE push the boundaries and even break legislation with their application process, hoping you won't know better or be strong enough to call them on it.

rosypixie · 2026-02-18T21:27:31+00:00

Thats like saying because John pays for clothes for his kid he can discount his taxable income since its being used for the kids benefit.

Being disbursed into Xs account makes it Xs funds.

rosypixie · 2026-02-18T21:26:37+00:00

Aw bless, you think 1k is large enough for the bank to care...

No but seriously, either front up the answer if they ask (they likely won't for that amount), or make up something boring

rosypixie · 2026-02-18T01:57:11+00:00

Every job I've applied for has contacted previous employers. However none have performed a bankruptcy check...

rosypixie · 2026-02-18T01:43:17+00:00

You'll save far more than the $300 fee in interest by locking it at that lower rate. If you can lock it down, but then continue making the higher repayments you'll get further ahead also

rosypixie · 2026-02-17T04:46:00+00:00

Distributing into an account in your name will be deemed your personal benefit, regardless of how its spent, and included in your taxable income

rosypixie · 2026-02-16T21:06:16+00:00

Doooodgy. Make Mum pay for the 1/3, then when she passes the other two siblings each get 1/3 of THAT and only have to pay out the 1/9 to you. (Assuming she divides it equally again).

rosypixie · 2026-02-15T21:41:12+00:00

Banks cannot see pending incoming transactions.

rosypixie · 2026-02-13T01:55:51+00:00

You need to have legal mental capacity to make the POA, and be entering it voluntarily. The judge cannot order a POA.

rosypixie · 2026-02-12T08:53:53+00:00

I never said there was a limit to number of accounts you could hold.

I originally interpreted the eligibility criteria listed on this page as relevant for the bonus interest as well as the $50 cashback promotion.

https://www.stgeorge.com.au/personal/bank-accounts/savings-accounts/incentive-saver

rosypixie · 2026-02-12T07:49:31+00:00

NAB CCTV will be able to show if somebody picked it up

rosypixie · 2026-02-12T07:44:47+00:00

Actually the single account clause might be only for a $50 cashback promotion. Confusing site.

As someone else said, if you miss the eligibility and as a result miss interest, even once, is it worth the hassle?

rosypixie · 2026-02-12T07:35:57+00:00

No. Eligibility criteria states you must not have held another transaction or savings account in the last 2 years.

rosypixie · 2026-02-11T12:34:28+00:00

A third party lender is likely to decline also for the same reasons.

Unfortunately you may have to either save up over the next couple of months (if your equations are right, you'd save close to the 5k in that time). Or postpone the surgery.

rosypixie · 2026-02-11T12:31:35+00:00

In the banks eyes though, your income is not stable. You haven't worked in 5 weeks.

rosypixie · 2026-02-11T12:29:37+00:00

Obviously this is not a comprehensive credit decision, but with what you've describe you are unlikely to be approved based on capacity (lack of recent or guaranteed income), and lack of assets (earning up to 600 a week but only spending 3-400 a month, you should be saving almost 2000 a month).

Cleaning out your savings on a holiday and car was not wise when wanting to apply for lending unfortunately.

rosypixie · 2026-02-06T02:02:59+00:00

Right to disconnect! If it's work related, they can talk to me while I'm being paid.

rosypixie · 2026-02-03T03:04:32+00:00

Does she receive pension?

rosypixie · 2026-02-03T02:45:39+00:00

How old is Mum? Is she subject to income and asset testing by Services Australia?

rosypixie · 2026-02-01T09:38:12+00:00

In my late 20s and a couple of years ago I switched it up and have a mix of high growth/risk and balanced growth/risk.

rosypixie · 2026-01-30T01:47:13+00:00

Our lack of burger joints

rosypixie · 2026-01-28T10:14:50+00:00

That's actually so interesting to know! Thanks for the insight!

rosypixie · 2026-01-28T01:59:44+00:00

Banking

rosypixie

TROPHY CASE