A Community for Brides Planning their Wedding in Australia

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by gdemon
Fri Jan 11, 2013 10:38 am
Forum: Health, Beauty and Fitness
Topic: Arguments for/against private health insurance?
Replies: 27
Views: 2415

Re: Arguments for/against private health insurance?

Thanks to this thread, we went and got a few quotes yesterday. It looks like we are going to go with Bupa. The policy will probably be top cover hospital and silver extras as there is no excess with top hospital and the extra premium is less than the excess for standard so we get all the cover and ...
by gdemon
Wed Jan 09, 2013 1:33 pm
Forum: Health, Beauty and Fitness
Topic: Arguments for/against private health insurance?
Replies: 27
Views: 2415

Re: Arguments for/against private health insurance?

Definitely worth it for you to weigh in, MP! It's good to hear about people's experiences with different funds/level of cover. And it's very reassuring that so far everyone here has PHI or is keen on it. I'd thought PHI would be sensible until the ILs discussed it - none of the 4 of them have PHI an...
by gdemon
Wed Jan 09, 2013 10:44 am
Forum: Health, Beauty and Fitness
Topic: Arguments for/against private health insurance?
Replies: 27
Views: 2415

Re: Arguments for/against private health insurance?

Thanks, Kate and Anjelik, that's very helpful. I think I've got the gist of it. I guess I need to figure out how to present my logic to DH and convince him that PHI is worth the money, even if not absolutely necessary for us in the strictest sense. KG'sGirl, I've been reading Choice's review of PHI:...
by gdemon
Tue Jan 08, 2013 7:59 pm
Forum: Health, Beauty and Fitness
Topic: Arguments for/against private health insurance?
Replies: 27
Views: 2415

Re: Arguments for/against private health insurance?

Good question Lawwa, I hadn't quite thought about which fund yet, but I found this handy comparison tool that filters policies by state and level of cover/excess. It's pretty useful: http://www.privatehealth.gov.au/dynamic/compare.aspx Yeah, it really isn't the IL's business, but they might ask agai...
by gdemon
Tue Jan 08, 2013 7:58 pm
Forum: Health, Beauty and Fitness
Topic: Arguments for/against private health insurance?
Replies: 27
Views: 2415

Re: Arguments for/against private health insurance?

Thanks Anjelik, that's super helpful as I was wondering about basic cover. I have a question about private hospital treatment I hope you might be answer - so PHI pays the hospital costs (bed / nurse), and Medicare will pay 75% of the MBS fee for the doctor's charges while PHI pays the other 25% of t...
by gdemon
Tue Jan 08, 2013 2:43 pm
Forum: Health, Beauty and Fitness
Topic: Arguments for/against private health insurance?
Replies: 27
Views: 2415

Re: Arguments for/against private health insurance?

And while Medicare is incrediable, don't kid yourself that all public healthcare is free - it isn't. Actually this is what I'm confused by. I know Medicare reimburses approx 60% of fee when I see my regular GP, but I can't figure out what is 'free' and 'not free' in public hospitals. Can someone cl...
by gdemon
Tue Jan 08, 2013 1:16 pm
Forum: Health, Beauty and Fitness
Topic: Arguments for/against private health insurance?
Replies: 27
Views: 2415

Re: Arguments for/against private health insurance?

I'm always for it! Sometimes things like a knee replacement will be classed as elective surgery and Medicare wont cover it but it will greatly improve quality of life and is covered by PHI. It's this sort of thing that I'm most concerned about but it's hard to find information on, as the things tha...
by gdemon
Tue Jan 08, 2013 9:39 am
Forum: Health, Beauty and Fitness
Topic: Arguments for/against private health insurance?
Replies: 27
Views: 2415

Arguments for/against private health insurance?

Hi ladies, I'm hoping to get some thoughts/suggestions or whether or not to take out private health insurance. As I'm not Australian, I'm unfamiliar with the health system / Medicare. But DH turns 31 soon, after which insurance premiums will increase for him, and we're planning to have kids in the n...
by gdemon
Mon Dec 17, 2012 10:43 am
Forum: Budgeting, DIY and Tips
Topic: Feeling bad turning this supplier down
Replies: 9
Views: 1775

Re: Feeling bad turning this supplier down

My advice is not so sensible - given the effort she has gone through I would place an order of a few hundred dollars at least and then source a selection of cheaper candles to fluff it out. Its just me. If someone helps me out I like to help them too :) I think that this is a great idea if you are ...
by gdemon
Fri Dec 14, 2012 4:21 pm
Forum: General Wedding Discussion
Topic: Not happy with wedding photos
Replies: 8
Views: 756

Re: Not happy with wedding photos

sorry to hear your pics are not what you wanted. Wombatta has some great ideas - I think you should follow up some of these. Hope it works out :) :tick: :tick: :tick: It is incredible what someone who is skilled in Photoshop can do. Definitely contact all your guests and ask them to give you the ph...
by gdemon
Fri Dec 14, 2012 1:44 pm
Forum: House, Garden and Pets
Topic: Saving on home loan with offset account?
Replies: 18
Views: 2000

Re: Saving on home loan with offset account?

Sigh, well, we've had a setback with some old problems on DH's credit history so it'll probably be late Jan at the earliest before we can pull things together for a pre-approval with whichever bank we ultimately decide on. What a bummer, as I'd thought we'd everything lined up neatly - decent double...
by gdemon
Wed Dec 12, 2012 8:58 am
Forum: House, Garden and Pets
Topic: Saving on home loan with offset account?
Replies: 18
Views: 2000

Re: Saving on home loan with offset account?

Have a look at Victoria Teachers Mutual Bank. They no longer cater to just teachers, though this is our niche market. We're fairly competitive, have basic transaction accounts which you can link offset accounts to (you can have up to 99 offsets on the one account if need be!); we are a lender; we a...
by gdemon
Tue Dec 11, 2012 10:29 pm
Forum: House, Garden and Pets
Topic: Saving on home loan with offset account?
Replies: 18
Views: 2000

Re: Saving on home loan with offset account?

Miss_alice, I assumed we wouldn't use the insurance discounts as we're already getting discounts from NRMA (multi-policy and no claim), but I checked up Choice.com.au and ran some numbers in the CBA insurance quote calculator and it looks like it may be worth considering after all. So thanks for mak...
by gdemon
Tue Dec 11, 2012 1:49 pm
Forum: House, Garden and Pets
Topic: Saving on home loan with offset account?
Replies: 18
Views: 2000

Re: Saving on home loan with offset account?

Also, if you're wanting to go with a credit union, MECU offers a good offset account for their loans Sidonie, I've been looking at MECU and will get in touch with them early next year for a pre-approval. But if you're with or have been with MECU d'you mind telling me how you find them? They have ve...
by gdemon
Mon Dec 10, 2012 9:47 pm
Forum: House, Garden and Pets
Topic: Saving on home loan with offset account?
Replies: 18
Views: 2000

Re: Saving on home loan with offset account?

Thanks for your replies! That's very useful. I'll look up Bank of Melbourne and Suncorp for loan options. You're right Steph, I've worked out that we would still save money with a $10 monthly offset account fee as our plan is to pay the loan minimums but throw all our spare cash at the offset. I'd a...
by gdemon
Mon Dec 10, 2012 2:57 pm
Forum: House, Garden and Pets
Topic: Saving on home loan with offset account?
Replies: 18
Views: 2000

Saving on home loan with offset account?

Hi ladies, Many of you have mentioned in the budgeting threads that you save money by using one or more offset accounts with your home loan. DH and I are looking to buy next year but can't seem to find many lenders that offer full-featured offset accounts, much less a loan that allows more than one ...
by gdemon
Thu Dec 06, 2012 9:55 pm
Forum: General Wedding Discussion
Topic: Is it tacky to have one wedding car for everyone?
Replies: 15
Views: 1297

Re: Is it tacky to have one wedding car for everyone?

DH drove us to the ceremony in our own car. When SIL got married DH also drove her to the ceremony in the same car. Can tell you our car was secondhand and far cheaper than $35k, and in both weddings the bridal party made their own way to the venue in whatever form of transport was most handy up to ...
by gdemon
Fri Nov 30, 2012 12:56 pm
Forum: Reception
Topic: To ask or not to ask (for a donation towards the mains)
Replies: 11
Views: 1526

Re: To ask or not to ask (for a donation towards the mains)

Hooray!!! I'm so happy for you!!
by gdemon
Tue Nov 27, 2012 8:29 am
Forum: House, Garden and Pets
Topic: Living with the parents/in-laws
Replies: 4
Views: 997

Re: Living with the parents/in-laws

I'll be interested in people's comments to this thread too, as there is a high likelihood that we'll ask my ILs to live with us in the distant future when they can no longer comfortably manage living out in the rural countryside by themselves. To be honest I hadn't thought about asking live-in ILs f...
by gdemon
Mon Nov 26, 2012 3:41 pm
Forum: Budgeting, DIY and Tips
Topic: Gathering photos after the wedding - ideas??
Replies: 4
Views: 1178

Re: Gathering photos after the wedding - ideas??

I vote Dropbox for sharing photos. There was one cousin whose photos I was really keen to get so I just gave her the password to my Dropbox to upload the photos to. I reckon just set up a dropbox account with generic login/password, then give everyone the account details so they can log in and uploa...
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