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How are/were you at asking for pay rises? Tone of voice may play a part in your outcomes. If you're expecting to be turned down then that can be reflected in your tone. One of the oldest 'body language' tips is to talk with a smile on the phone (yes long before video calling). For most...

Unfortunately rules like that work until they don't. A bit like property prices only ever go up... So far, in Australia, the 'environment' (aided by both sides of politics) has been extremely conducive for the large banks (Too big to fail). Fingers crossed it remains that way. If you look at...

Long delayed reply... I looked into the claims by ING about the 'no fees' Super and pondered lodging a complaint with ACCC and then Covid came along. ING do charge fees just not in the same way as nearly all other funds show them. Instead they charge a higher asset management fee per asset...

Sounds like it is time to contact the Qantas Company Secretary (chief legal officer) directly (see ASX website for name etc) via the Qantas Corporate switchboard. If asked why you want to speak to them or their area simply say, "As per ASX listing requirements I am legally entitled to be put...

Locations were in Germany for a couple of days and then Austria with multiple transactions on the same day in different locations within each country. No two transactions had the same exchange rate.

Had been our experience 2 weekends back as well across Aldi, Coles & Woolworths but this weekend one Aldi was back to normal (hundreds of cartons across every size and type (Free range & Cage). Another Aldi only had less than 2 dozen cartons of 12 though. Both the local C & W each had about...

The London to Austria flight (from Gatwick IIRC) was for economy seats that as reward seats were being offered at something like a 30 to 35% discount to the normal reward price and included a checked bag. At the time the cash fare less the unavoidable F&Cs divided by the points per seat worked...

The wonders of modern marketing. This offer targets the 'desire for instant gratification' aka 'impulse buy'. If you do not work the points schemes then growing a points balance is a bit like contributing to superannuation through your working life WITHOUT any compounding benefit. Pointless...

Never cough/um/e here - so you were one of the three I hope?

3 x $50 and 2 x $60. Decisions, decisions. If you happened to have 3 or more people in your household then for a spend of $150 pw (suitably managed) over the 5 weekends total spend of $600 you'd get 30,000 points. Each would need to have their own separate (not sub) account so they receive...

Unfortunately for most phone systems - the number shown may NOT be the real number. Even worse, if you use callback it often calls the hidden number NOT the shown number, just like with email addresses showing up. If the scammers are not so sophisticated then you will get a 'This number is not...

Had a look at the offer (for NSW) and found a couple of little stings (quite well hidden) in the tail of this (and many other AGL) offer(s). You MUST take a minimum of 20% Green Energy as part of the deal which the offer estimates will add $1 per day, also the per kWh price seems to factor in...

Pay your partner/trusted friend/etc?

Nearly spot on but ever so slightly missing the intent. The pre-eGC spend > the spend hurdle required for the credit. If there's a catch on losing the credit if you go for a refund of the exact same amount as the purchase transaction (when the purchase meets the qualifying spend) then adding a...

So is the moral of the story - add a low value gift card to the transaction?

Just dug out that card and it is called the "Gourmet Restaurant" gift card - very limited list of who (still) accepts it. Rang a couple shown on the website to double check (opening hours etc) and they said they no longer take it.

Worthwhile checking exactly which restaurants still accept the card. Given one as a gift last Xmas and found most locations were at the top of the scale for menu price, predominantly in the CBD and only 2 (ex-CBD) that would see us out for under $150 without alcohol. If its for a restaurant...

Solar panels should stack up nicely with the instant write-off but a battery is very unlikely to. It all comes down to your exact requirements, especially how your power demand is made up. Time to do some detailed figuring before you approach any installers. Your cost per kWh would have to be...

Not just oversizing the filter but also oversizing the variable speed pool pump. The lower, on the range of possible rpm, it runs then the lower power draw. Running for 8 hours will use less total energy than running the same total throughput for 6 hours (for example). In one my earlier posts...

Well worth doing some investigation into variable speed pumps in advance of needing to replace your single speed pumps. The issue with single speed efficiency is that they're running at 100% the entire time they're on, so energy efficiency is very poor. For my friend's pump/filter spend, he...