Only up for interest rates it seems.

Hi,

My wife passed away in November, after she'd been diagnosed with terminal cancer. She'd recently returned to work after our 6 year old started in school.

She had income protection and death cover through AustralianSuper super. However I've been notified the insurance won't pay her death cover.

Obviously it won't bring my wife back and I would sacrifice anything for that.

But I was going to use the money as start up for my son to use to buy a house when he's older and hopefully to help cover some costs that have racked up.

A grief support charity recommended a legal firm, but they just ignored. Asked cancer Council and they said they couldn't help or recommend anyone. I dont get any replies from any lawyers ive tried to contact.

If you've ever been in this situation of losing a partner, people always say "anything I can do to help, let me know" but when the push comes to shove, you just don't get any help.

I submitted a letter to appeal made with AI but they countered. I've made a further appeal letter but feel this is my last chance.

I just dont know what to do, as if this doesn't get any traction then I'll feel completely rejected. But ive reached out so much for help and not received anything back.

What would you do? Just press send and hope for the best?

I posted a similar thing a few months ago, again didnt get much further.

****update 1: Reason for rejection:

Symptoms prior to cover and not being in active employment when cover started.

My arguments are:

She wasnt diagnosed till after the cover started, oncologist report states a reasonable person or doctor wouldn't have known she had cancer as she had flu symptoms.

She was employed when cover started but had time off between her rostered shifts, as she worked a casual contract. Insurance are saying she wasnt working employer confirms this in their documentation. Su001 separation certificate also confirms this.

Thanks

This is just one of many NDIS fraud cases, with numerous offenders already prosecuted and jailed. Recovering these funds and preventing further fraud could save taxpayers millions of dollars.

TL;DR: A 36-year-old Sydney man has been charged over alleged $1.89m NDIS fraud involving services never delivered. Authorities previously sought to restrain 38 properties and 16 vehicles worth over $40m combined. If convicted, he faces up to 10 years for fraud and 25 years for dealing with major crime proceeds.

I read this in a comment on a youtube video (the best place on the internet, right?) and it's blown my mind. So splitting the middle and saying $20ph, that's only around half of what a similar job might pay today but surely house prices have gone up far more than that? So were workers back then able to afford a house just from a year or two of work?

Thoughts?

First of all, thank you to those who recommended Bank Australia after asking on here which banks were anti-outsourcing & domestically based.

Second, not asking for a 'grats' or pat on the back, but simply would like to urge those of you on here who have expressed displeasure at our Big 4 banks outsourcing more & more jobs overseas to not just complain about it online and then do nothing about it by staying with the same bank. IMO it removes the point of complaining if you don't act.

I went with Bank Australia just because that got the most recommendations, but other ones people recommended for the same purpose include:

• Australian Mutual Bank
• Great Southern Bank
• P&N Bank
• Teachers Mutual
• Greater Bank

and I'm sure there are others I'm forgetting.

Seriously, screw these companies, calling themselves "National AUSTRALIA Bank" or "Commonwealth Bank of AUSTRALIA" is a joke.

Is this a scam?

“Direct Credit 404389 Marketplace Pty Fdecfecb-9d54-4141”

“+$398.00”

At first I thought it might’ve been a double up on my insurance payment from my novate lease but it definitely isn’t because the amounts are incorrect and it doesn’t have the correct description.

Is this one of those “hey I accidentally transferred you can you pay me back?” Cases and then they also lodge a claim?

I’m possibly thinking about moving out when I turn 18 for reasons, however I’m unsure about the sort of required amounts, especially as I know there’s numerous expenses associated

Currently I have abt 25k in a savings account, and I put around 1-1.5k a month into the account as I’m on junior rates and don’t earn as much but will hopefully be earning more soon once im 18, however, I’m looking to go to university as well which I know will contribute even more expenses

I’m still unsure if I will move out though, so it sort of just needs to be a rough estimate so I know if I need to save up more, and if I don’t end up moving out, should I just leave it in savings or invest it into something

Has anyone else noticed the crazy prices for older Commodore and Falcon models lately? It seems like they've become genuine collector's items overnight. I've seen some really tidy examples fetching more than a new entry-level car which is wild. Wondering if this is a sustainable trend or just a temporary nostalgia boom.

The bond market has officially spat the dummy!

For those who own a practice, how much did it cost to start, and how much do you realistically take home after expenses?
Did you start solo or hire staff?
Most importantly, is the extra income and flexibility worth the stress, admin and NDIS headaches? How’s your work-life balance?
Would love to hear from OTs, speechies, physios and other allied health owners. Would you do it again?
Thanks!

Hi everyone,

We are a business looking to start putting suppliers that accept card payment through a qantas point earning credit card.

The points earned would total a significant amount if most suppliers accept card.

I’d ideally like to transfer the points to the directors personal qantas frequent flyer account for them to redeem personally on flights etc

Can anyone advise if there are any tax/FBT obligations regarding this or issues that need to be considered ?

Thank you!

Hi all. I’ve been a night shift traffic controller for 4 years and even though it’s good money, the nights are getting to me.

Im 23 and looking for something with more earning potential, mostly due to feeling like traffic control is a dead end job (but that’s just my opinion). Can get along with anyone and have a good chat but wouldn’t say very social or would go out of my way to be.

Was also looking into being an air traffic controller but wouldn’t say that’s entry friendly, rather very selective. Also considered learning data analytics but after reading some of these other reddit posts, can definitely say that competition is high (most rejected applicants have graduated from uni, whereas I didn’t even go).

Please help me, I don’t know what to do with my life. Thank you

In Sydney, the median house price was around $287,000 in 2000. By early 2026, it was around $1.6 million.

Meanwhile, average weekly earnings rose from roughly $680 to $1,550.

That's a massive disconnect between wages and property prices. A house that cost around 8 times annual earnings now costs around 20 times.

My theory is that over the next 5–10 years, Australia needs a serious correction in house prices relative to incomes. A 20–30% fall from today's prices, combined with wage growth and more housing supply, would make deposits and mortgages more achievable.

Yes, recent buyers could lose equity, and a correction would hurt some households. But continuing to prioritise rising property values has a cost too: younger generations spending their lives paying rent or servicing enormous mortgages, often relying on inheritance or family help to buy.

Should we accept some short-term pain to restore long-term housing affordability, or is there a better way to fix this?

Hi, I have a bunch of shares on different trading platforms, I am especially keen to move some of my shares on CMC over to Commsec. It looks pretty straightforward as far as doing so but I am wondering as far as tracking profit and loss if it will have the purchase price as the price when the transfer is completed or the original purchase price whilst on CMC?

Thanks

I recently acquired income protection through my super (Aware Super) and I am a little confused as to why the premium is so low.. $98 a year?? 60 day waiting period, benefits paid for up to 2 years, matches my current monthly wage.

When I went for quotes through external providers, it was much much more. Is this accurate?

TLDR - Diversified high risk / low risk portfolio or standard ETF with $10,000 and no real living expenses.

Hi all,

Title explains my situation. I recently turned 18 and just receievd a lump sum payment of money my parents had been progressively putting into an account for me over the past few years. It's a little over $10,000 but after some things that I want to buy and insurance / rego on my car it leaves me with about $10,000. I know the standard thing to do is stick it in the S&P and hope for it to double over 10 years at an average of 10% return PA, but it seems counterproductive when I could make some smart and more beneficial moves in sin and cyclical stocks (i.e semiconductors).

I was thinking a diversified portfolio made up of high risk / low risk stocks in the area of Ai, Defense, and Sin Stocks (casinos, tobacco, sportsbetting, etc). One portfolio I came up with last night is as follows:

AI/Semiconductors – $3,000

• Atomera (ATOM) – $1,200
• Valens Semiconductor (VLN) – $1,000
• Ceva (CEVA) – $800

Gambling/Tobacco – $3,500

• British American Tobacco (BTI) – $2,500
• Genius Sports (GENI) – $1,000

Defence/Intelligence – $3,500

• Lockheed Martin (LMT) – $2,500
• Cognyte Software (CGNT) – $1,000

The idea was to put $5k into higher risk stocks with potential for significant growth, ideally before they're widely recognised and/or pre revenue (such as Atomera), and the other $5k into established companies.

Do I do the 'responsible' thing and stick it in the S&P or build a more diversified portfolio like the one above with the chance of making higher returns.

All insights appreciated.

I 22(F) have a non-spending problem, I can never bring myself to buy things I want ever. I think it’s just been instilled in me since I was young cause I’ve only ever saved my money and rarely buy stuff for myself unless it’s festival tickets or experiences even if I’ve wanted an item for ages.

So I’m genuinely curious, how much do you girls and guys who are in their early 20’s spend weekly / monthly on clothes. I just want to put into perspective what a reasonable / not reasonable amount is! Not to shame anyone I just think it’ll help calm my financial anxiety for myself :)

Hi all,

Hope this question is allowed here.

I'm thinking about resigning my job. I'm owed a lot of Annual and Long Service leave that had accrued over many years.

In short, if I resign and take a payout, does it make much difference if I do it this year, or at the beginning of a new financial year? If it matters, the new job I would be going to is significantly less salary than my current role.

Thanks all