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# Financial Free-Talk

Welcome to the /r/AusFinance weekly “Financial Free-Talk” Mega Thread!

This is the thread where members should bring their general Aus Finance questions.

Click here to see previous weekly threads: [Weekly Financial Free Talk](https://www.reddit.com/r/AusFinance/search/?q=%22weekly%20financial%20free%20talk%22&restrict_sr=1&sort=new)

## What happens here?

The goal is to have a safe space for some of the most common posts, while supporting more original and interesting content in their own posts. Single posts with commonly asked questions may be removed and directed to this thread. AusFinance is designed to help people of all abilities, at all stages in your financial journey. We want to democratise personal financial knowledge.

The collective experience of the AusFinance community is one of the most powerful ways to help Aussies improve their financial abilities. Whether you are just starting out, or already have advanced knowledge, there’s always something new to learn. Let us know what you need help with!

– What to look for in an apartment/house/land
– How to get a mortgage/offset/savings account
– Saving/Investing for kids
– Stock Broker questions
– Interest rates: Fixed/Variable
– or whatever!

## Reminder: The Sub rules are still in effect

Please note rules 5 & 6 especially:

– Rule 5: No personal or legal advice.
– Rule 6: No politicising.

Thank you for being part of the AusFinance community!

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Heading: AI Legalese Decoder: Simplifying Legal Jargon

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3 Comments

  • FarkenBlarken

    First home super saver question.

    If I’ve contributed 10k to super during a financial year, could I put a post-tax contribution in of 17.5k (to hit concessional cap), get the tax refund, then later withdraw that money for a home purchase?

  • AussieScouse

    Good morning Hivemind

    I have a relatively small outstanding CC balance. Am wanting to do a balance transfer to stop accruing interest charges. First application came back advising that they can cover half out the outstanding amount.

    Any harm in applying for a second balance transfer before accepting the first one? Or would the second bank be able to tell that I already have a balance transfer offer pending?

  • Kirbieb

    I am looking for everyone’s currently preferred US broker.

    Would prefer it to have an app for Android/ iOS.
    I currently invest only in Aus stocks with commsec but would like to branch out.

    I am currently going through the search function as well.