u/Dangerous-Piccolo755

I’ve got a small ABN contract (about 16 hours a week) and only make a few thousand a month including GST. I run a website for the firm, and I want to add some new features — but I honestly don’t have the time or energy because of other work.

I’m considering outsourcing the development to a freelancer overseas because of the affordability. Basically just paying someone to handle the updates and improvements while I focus on my main job.

Has anyone here done this?
Is it overly complicated to outsource work like this from Australia?
Do I need to set up anything special legally (like a branch or entity in the freelancer’s country), or can I just hire them as a contractor and pay them normally?

Would love to hear how others handle this.

I don’t have many cards and I only use DCBM for everything. Axis offered me a select card LTF along with my Burgundy account but I declined it as I’m comfortable with my current cards.

I wasn’t in India for a while and arrived just before yesterday for a two-week holiday. As I mentioned, I’m an NRI.

I hadn’t applied for any cards or even spoken to Axis staff for over three months. I did notice an email stating a card had been approved and dispatched shortly afterwards but I never received it.

The email was from a valid domain and all the details seemed genuine. I didn’t click on the link or visit the URL inside it.

Do you have any idea what happened behind the scenes? Some people suggested that the TPA submitted my application just to meet their target but how did they do this without an OTP?

I recently registered a proprietary limited (Pty Ltd) company as a solo founder and need to set up business email. I would like to maintain separate addresses for privacy (ask@, admin@, and <my_name>@).

Looking at Google Workspace and Microsoft 365, pricing runs around $10 AUD per user/month, which would total ~$30 AUD/month if set up as three distinct accounts.

Is there any cost effective vendors?

There are many promoted reviews about the AMEX Explorer Credit Card and its offer of 125000 bonus points plus uncapped 2 points per dollar everywhere.

How can I calculate the value of these points? Will redeeming for flights or a hotel offer the best value? Do we have options to redeem against gift cards?

Half of the SYD to BLR economy flight can be booked with this much points?

I’m an NRI and I’ve recently opened an NRE savings account in India with my global Premier status.

I’d like to surrender my resident HDFC cards and apply for a HSBC Premier Credit Card India variant.

Could you please guide me through the process? I currently hold an HDFC DCBM and a potential replacement would be the Premier Card.

Thanks in advance.

I’m a programmer working on a six-month contract with two months left. My primary task is already completed because I have done extra works and commited myself to the task assigned.

Since my work is a passion, I don’t want to spend time and overbill the customer. However, I’m currently without any tasks in my area so the customer is assigning me different tasks across various technologies. They’ll give me enough time to learn new skills but this won’t add much value to my career. The role is short-term and a few months in a specific technology won’t significantly enhance my resume.

I’m getting multiple calls with 10-15% increments. Is it ethically right to resign and accept the next offer?

I would have think about 2 months back. But, 1 more
Month left in AirBnb. Guide the optimisation using delas or gift cards.

Thanks.

Many posts which seeking comparison between the fees and features of brokers already in this sub. But, as a beginner, I want to start a systematic investment of 200 per week if possible, or 800 per month if there are limits.

Taking aggressive risk tolerance and planning to invest 60% in international ETFs like NDQ and VGS and 40 in domestic ETFs.

Please comment the CHESS-sponsored platform can be beginner-friendly.

I am looking to buy first home in Schofield area. I was more interested in buying an established townhouse, but one agent contacted on my request explained the home and land package will also can be fixed in the similar budget.

I heard many reviews about Bathla. The agent was proposing Sollara and Eagle Homes as a builder.

any good or bad experience with these packages and any builder names for my further review analyses would be apreciated

Please comment your favourite builder to purchase a established home in North West Sydney areas including Schofield, Riverstone, Marsden Park, Tallawong etc

What I observe in this sub is that nobody really gives advice for your financial queries.

If you mention you are earning thousands a day, you will likely get more dislikes.

If you disclose a plan to buy a car worth 50K, you'll get a lot of demotivation.

If you ask for an opinion about buying an investment property with a 30% down payment, you will get more dislikes and advice to wait for it to grow to 100%.

I am working in fixed term contract like 6 month term and contract will be renewed for another 6 months while nearing to the end date.

I work 5 days a week and no pays on public holidays and leaves.

Anyone in the same boat availed a novated lease?

Apple has raised its prices in Australia. The base iPad model is now listed at 719AUD, up from around 585AUD without any offers.

Major retailers like JB Hi-Fi and Officeworks are still offering end-of-year deals on the old price.

For example, you can get a new basic iPad for 485AUD, which is about 32% of the current market value. Consider any tax implications and available offers when planning your purchase.

I currently hold HSBC Premier status in a foreign country and am moving my HDFC accounts to NRO to stay fully FEMA-compliant. I also have a HDFC DCBM, but I understand I need to surrender it since it’s a resident card.

As an NRI, I’m trying to set up a stable premium banking + credit card setup in India with decent lounge access for frequent travel. HDFC options like Infinia may be possible, but I don’t spend ~₹18L/year, so it may not be sustainable.

This made me look at HSBC Premier in India, since I already hold Premier status overseas.

My question: does HSBC India issue the Premier credit card to NRIs based on global Premier status, or is India-specific Premier eligibility required regardless of overseas status?

Would appreciate any real-world experiences.

I'm based in NSW and looking to apply for a home loan with first home buyer benefits. My Illion credit score is currently 542, and I'm wondering what my chances of approval are and whether there are any lenders accepts this score?

The main reason my score dropped was due to a Latitude Pay account. I was overseas for more than a year and the account had a $0 balance, so I assumed there was nothing to worry about. Apparently, a monthly account fee was still being charged, interest was added to the outstanding fees, and I wasn't notified until a few months later.

As a result, 5 missed payments were recorded on my credit file, which has had a significant impact on my score.

For context, the debt has since been paid and the account is closed.

https://preview.redd.it/y65elbewfr8h1.png?width=529&format=png&auto=webp&s=44d86173db7ab7cc78e541d901fdddc4c3eef106

Access - Around 20% of the crowd looked desperate after finding out their cards weren’t accepted. The remaining 80%? Happy faces, unlimited food, and a comfortable wait before boarding. 😍✈️

🍳 Live Counters

The Eggs to Order and Dosa counters were packed throughout my visit. Even with people placing bulk orders for entire groups, the staff managed the rush really well and the waiting time was surprisingly short.

🥗 Veg Food
Not a huge spread, but the options available were good and tasted fresh. Quality over quantity.

🍖 Non-Veg Food
Breakfast non-veg choices were quite limited. I could only spot sausages and boiled eggs in this section. Maybe they offer a better selection during lunch or dinner.

🍹 Drinks
They had two standard alcoholic options along with the usual beverages. I tried one of the cocktails and actually liked it. It’s not on par with a proper bar, but definitely better than what I expected from an airport lounge.

👥 Crowd
The lounge was extremely crowded, and finding a free seat was a challenge. As a solo traveler, I got lucky and found one lonely table. Groups might have a harder time getting seats together.
Overall: Good food, efficient staff, and decent drinks. The biggest downside today was the crowd and the card acceptance confusion.
Photo attached.

I landed from overseas to Bangalore airport today, and surprisingly a new lounge 080 Arrival Lounge caught on my eyes just before exit from the airport. The scheduled flybus was after 1 and half hours and my phone battery almost reaches 10% below. So, I thought to visit the arival lounge.

I saw 6-7 people just standing infront of the counter and keep swiping 3-4 cards. The staff in the concienerge keep telling them the cards werr imelgible. As i just waiting the queue I had look in to the cards tbose folks are swiping. Which are basic rupay cards, axis myzone etc.

Knowlgly or unknownly they are not met the spending criteria, and few of them arguing like they are frequent flyers and the same card got accepted in other lounge etc.

I was on the end of the queue. And I waived my DCBM to the concierge staff. He just asked me to come to the front and asked the boding pass. He not even asked boarding pass to many on the queue . Its surpirised me. He just hrabbed my card. Validated the name with boRdimg pass, and swiped.

Instantly i got a slip to enter. Liquor wasnt free bit thats okay in the late time of 1:30am. I greeted with friendly staffs of 080, and they prepared food for me with cup of black tea, which was wonderful than the bigget food option over the world.

Big Thanks to a 10k Annual Fee card DCBM. Its worth if you are frequent air traveler.

Even you are not, if you travel 1 time in year, yoi shoild be clear for the spending limit or have a premeium card for this. Its so worth .