I’ve seen quite a few discussions about remote clinical coding and it sounds appealing, especially because I’m already comfortable working independently. But I’m wondering whether people who work remotely find the job easier or do they just notice the isolation more?
I got injured at work, but because there’s a dispute over whether the injury occurred during employment or was a pre-existing condition, my WorkCover claim is currently under investigation/disputed.
In the meantime, can I lodge a claim through my superannuation fund’s Income Protection (IP) insurance to keep money coming in for mortgage and bills? If WorkCover eventually accepts liability later on, do I just have to repay the Income Protection benefit back to the super fund?
We currently have $60k sitting in a high-interest savings account earning ~5.2% p.a., while our home loan variable rate is sitting at 6.10%. My partner thinks we’re better off keeping the HISA for liquidity, but my understanding is that saving 6.10% tax-free interest via an offset account beats earning 5.2% taxable interest every time. Is there any scenario where holding HISA cash over offset makes financial sense for a primary residence?
Putting together an mATX build and trying to pick a budget B650 board that won't throttle if I throw a higher TPD processor in down the track. Looking at the ASRock B650M HDV/M.2. Is it worth paying extra for the built-in Wi-Fi and extra M.2 slot, or is the ASRock board still the undisputed budget king for VRM thermals in Aus?
I’ve been comparing a few banks and lenders for a $15k personal loan. If I apply to more than one to compare rates, does that actually hurt my credit score or approval chances?
Swapping over to night shifts midway through a 14-day swing always wrecks me for the first two nights. I usually try to stay up late the night before and sleep in as long as possible, but camp noise and the afternoon heat make day sleeping pretty brutal. What’s your routine for the transition day?
Coming up to renewal and trying to work out whether the conversation with CommBank's retention team is worth having before I start comparing elsewhere. Every time I've heard about someone going through this it seems to end with either a modest improvement that still doesn't match what a new customer would get or a decision to switch entirely. Would love to know from people here who've actually had that conversation recently whether the outcome was worth the effort or whether starting the comparison process immediately is just the more efficient use of time.
Everyone seems to chase FIFO because of the money, but living in a mining town and going home every night sounds pretty appealing too. If you've done both residential and FIFO work, which lifestyle would you choose if the salary difference wasn't massive?
Trying to sleep during the day while cleaners are vacuuming the hallway and neighbours are slamming doors down the donga block is an absolute nightmare. Earplugs and heavy blackout curtains only block out so much when the heat is blasting. How do you protect your sleep schedule on site?
The fraud detection that blocks a legitimate purchase at an inconvenient moment is one of the more consistent complaints about the major banks and CommBank seems to generate enough of these conversations that the question of whether the system is calibrated appropriately is worth asking. Would love to know from people here how often it actually happens, whether it's improved recently, and whether there's anything about how you use the account that seems to make legitimate transactions more or less likely to get flagged in a way that creates the problem at the worst possible time.
Golden handcuffs are real. The cash is hard to walk away from, but the strain on relationships, missing milestones back home, and the physical grind start catching up after a few years
I am looking to buy my first home later this year and want to use a broker to help navigate the different bank policies. One thing I cannot seem to find a straight answer on is whether I have to pay the broker a direct fee for their time and advice. Some people tell me the service is completely free because the banks pay them a commission upon settlement while others say certain brokers charge an upfront engagement fee on top of what they make from the lender. What is the standard practice in the Australian market and how do I know if a broker is going to hit me with hidden out of pocket costs?
Decent fishing gear that I actually use regularly is the most cost effective hobby I've found
Spent good money on equipment that doesn't break and actually works properly, plus a good quality esky and setup. I go out regularly and catch food instead of buying takeaway. The cost per meal is way lower than anything else we do and I'm getting exercise and mental health benefits on top
Nothing I've landed has really been a standout yet. Hopefully that day comes sooner rather than later.
I've been in the online self-service stream for the past six months and have just received a letter saying I'll be moving to a face-to-face employment services provider next week.
I'm mainly wondering whether this changes my mutual obligations straight away. Does the points target or reporting process usually change once you're assigned to a provider, or does it stay much the same unless they update your job plan?