The totally off-topic thread

[Pushka]

Unfortunately the cash is deposited with the thieves. Everyday I check and the balance is less than the day before.

Hate those holes in the wall that debit your account when it gives you money.

 

[Pushka]

My poor niece. 29 years old. PhD. She has 2 little kids. A high demand job involving a lot of travel. (She is my AFF protege) but a lot of health issues. Lupus for a start. Currently in RAH for stroke review but turns out it is Bells Palsy with her left side of face affected. Her mum (my SIL) is in Europe until Sunday so am off to take her a skinny latte and a phone charger. Think I will need to have the chat with her about so many demands in her life. Too hard for her mum to do it (mum's cant say such stuff) but an Aunty can.

 

[Pushka]

50 people ill with food poisoning after the breakfast buffet in the Intercontinental Adelaide last Sunday. 15 people in Hospital and think I heard a person needing kidney transplant. HUS maybe?

 

[RooFlyer]

CBA as with any bank are thieves.

Unfortunately the cash is deposited with the thieves. Everyday I check and the balance is less than the day before.

As a CBA shareholder, I thank you for your kind support of my retirement. $2.22/share final half year divvie sounds good to me.

 

[drron]

Anyone having privacy problems with our census shouldn't consider living in Thailand-
Thai Immigration Asks Foreigners for Bank Accounts, Social Media, Hangouts

Foreign nationals residing in Thailand are being asked to disclose personal information to the government, including their bank details and where they hang out online and offline.

But even as a tourist they want to know about you-
Plan to Track All Foreigners - Not Just Tourists - By SIM Cards Moves Forward

A plan to require all foreigners in Thailand to use a special SIM card that can track their location will be reviewed by authorities Tuesday afternoon.Announced last week by the national telecom regulator, the plan would require anyone – not just tourists but everyone who doesn’t hold a Thai passport – to use the new SIM card which would enable the authorities to track its owner’s location at any time, said the Secretary General of the Office of the National Broadcasting and Telecommunications Commission.

 

[love_the_life]

My poor niece. 29 years old. PhD. She has 2 little kids. A high demand job involving a lot of travel. (She is my AFF protege) but a lot of health issues. Lupus for a start. Currently in RAH for stroke review but turns out it is Bells Palsy with her left side of face affected. Her mum (my SIL) is in Europe until Sunday so am off to take her a skinny latte and a phone charger. Think I will need to have the chat with her about so many demands in her life. Too hard for her mum to do it (mum's cant say such stuff) but an Aunty can.

At least Bells Palsy usually resolves. Yes, aunty should have a chat about work-life balance and what is important. Then again, would you have taken notice of a chat like that at her age?

 

[RooFlyer]

drron, Thailand is just taking a leaf out of Tasmania's book. Over the past year, the tourism bods here have been giving mobile phones to selected visitors, where it tracks their position while they are in the state. Visitors/recipients know this of course and don't have to take the phone.

Used to inform tourism people (and ultimately people who operate tourist facilities such as restaurants, accomm owners etc) of what tourists actually do - where they stop, for how long they stay in a particular place etc . Its brilliant.

But somehow I don't think that's the use the Thai authorities have in mind ...

 

[mannej]

Had fun having this wake all apart from our 3 year old last night...

http://mobile.abc.net.au/news/2016-...uspected-arson-attack-in-perths-north/7719108

 

[JohnK]

As a CBA shareholder, I thank you for your kind support of my retirement. $2.22/share final half year divvie sounds good to me.

Not looking good I'm afraid. Never thought I'd say this but I am looking around.

The only thing that stops me taking everything away from CBA is mum loves to help me out with banking but every other bank deserted my suburb a long time ago.

The $350 was never communicated to me. I have email from end July after telephone contact from CBA that no fees will be charged and the documents will be sent to the conveyancers. The conveyancers were told the bank will send them the documents. I left message on Monday for the branch to contact me. Nothing. Zip. Nada.

Then some clown thought it would be a good idea to try and steal $350 from me and decided they will attend settlement. No. CBA refuses to waive the fee even though they misled me. Now they have put me in a bind and I have this added stress I do not need. Settlement is supposed to be Monday. I am hoping documents are in Brisbane today so I can send to conveyancers.

Really disappointing customer service.

P.S. I can see first hand how the thieves make obscene profits and fees continue to rise and rise. Remember when banks first came into existence? Boy has that changed. Corporate greed knows no bounds.

 

[penegal]

Settlement fees are part and parcel of the vast majority of mortgage products. Establishment fees are another annoying one which sneak in to a number or mortgages. I doubt the bank mislead you JohnK, most financial institutions articulate these fees pretty clearly in the fine print.


FWIW - the much bigger rip-off is state stamp duties. They are pure tax, and provide very little value at all, apart from lining the state's pockets. They reduce liquidity in the market, and are generally useless.

Don't even get me started on Real Estate agent's fees.

 

[straitman]

Settlement fees are part and parcel of the vast majority of mortgage products. Establishment fees are another annoying one which sneak in to a number or mortgages. I doubt the bank mislead you JohnK, most financial institutions articulate these fees pretty clearly in the fine print.


FWIW - the much bigger rip-off is state stamp duties. They are pure tax, and provide very little value at all, apart from lining the state's pockets. They reduce liquidity in the market, and are generally useless.

Don't even get me started on Real Estate agent's fees.

Agreed. Settlement fees are normally hidden in the original contract so they tend to be forgotten and then provide a shock at settlement.

No need to even comment on gov't and agent fees.

 

[Pushka]

As a CBA shareholder, I thank you for your kind support of my retirement. $2.22/share final half year divvie sounds good to me.

I topped up a couple of weeks ago. But I dont bank with them.

Dont get me started on real estate agents. On the other hand the conveyancers who do all the work dont charge enough!

 

[JohnK]

Settlement fees are part and parcel of the vast majority of mortgage products. Establishment fees are another annoying one which sneak in to a number or mortgages. I doubt the bank mislead you JohnK, most financial institutions articulate these fees pretty clearly in the fine print.

Sorry penegal but informing the client and the conveyancers that documents will be sent and then turning around and asking for $350 to attend settlement is misleading. That is quite clear. And I have it in official communication from bank.

 

[straitman]

Sorry penegal but informing the client and the conveyancers that documents will be sent and then turning around and asking for $350 to attend settlement is misleading. That is quite clear. And I have it in official communication from bank.

Was the fee written into your original contract JohnK :?:

If so they will simply say that the person who informed you recently was wrong. ---I'm actually agreeing with you so just highlighting the other side of the argument.

 

[JohnK]

Was the fee written into your original contract JohnK :?:

If so they will simply say that the person who informed you recently was wrong. ---I'm actually agreeing with you so just highlighting the other side of the argument.

My original contract is irrelevant?

They said they will send the documents and at the last minute thought they could scam me. If one of their representatives has given me the wrong advice then the bank should wear this cost.

By the way if I was in Sydney I could go and collect documents from branch without cost.

 

[Hvr]

Sadly the world wide infestation of Pokemon has reached Bangkok. In a very crowded city lots of people walking about with their heads down looking at their phone screen.

Really stuffs up the walking about.

 

[straitman]

My original contract is irrelevant?

No it's not. It is what you agreed at the time of taking the mortgage. Could actually be to your benefit.

 

[straitman]

Sadly the world wide infestation of Pokemon has reached Bangkok. In a very crowded city lots of people walking about with their heads down looking at their phone screen.

Really stuffs up the walking about.

It got to Malaysia (KL) last week.

 

[JohnK]

No it's not. It is what you agreed at the time of taking the mortgage. Could actually be to your benefit.

Too late now. Certificate of title and discharge of mortgage in the post already. Only cost $8.95 too. A bit cheaper than $350 you'll agree?

 

[straitman]

Too late now. Certificate of title and discharge of mortgage in the post already. Only cost $8.95 too. A bit cheaper than $350 you'll agree?

John. Could you read what i said?

That was never part of anything I said. I merely commented on what was the actual legal position. Well done for getting past them.