Finding Cheap Credit Cards in Australian Market

If you have been searching for cheap credit cards in Australia, you can compare low rate and no-annual fee credit cards from Australia’s banks, credit [...]

POSTED ON November 8, 2019
Trending Financial News 9 August

Accept payments on your phone with NAB National Australia Bank (NAB) and Melbourne based payments company Quest are trialling a new payment system that will [...]

POSTED ON August 9, 2019
How to buy and sell shares in Australia

By far the most common way to buy and sell shares in Australia is on its share market, using either a broker or a stockbroking [...]

POSTED ON July 26, 2019
Trending Financial News 17 July

Macquarie Bank cuts home loan serviceability test Macquarie Bank has cut its minimum home loan serviceability assessment rate from 7.25 per cent to 5.3 per [...]

POSTED ON July 17, 2019
Shares higher on blog rumours

Bargain hunters helped to push the sharemarket slightly higher yesterday with the All Ordinaries gaining 13.2 points to 6434.2. However chief equities economist at CommSec, [...]

POSTED ON January 17, 2008
Greening your house pays off

A survey has found that many home owners will invest in measures to make their houses more environmentally friendly in 2008. In the poll, conducted [...]

POSTED ON January 17, 2008
Cash flow – the engine driving your business

- ADVERTORIAL - Effective cash flow management is an essential part of business success. Essentially, it is about ensuring there is enough cash to meet [...]

POSTED ON January 16, 2008
Gearing Calculator

Enter the details below to view a comparison between geared and ungeared portfolios. Please note: do not enter commas or any other symbols. Numbers only! [...]

POSTED ON January 7, 2008
How Much Can I Borrow

How much can I borrow to invest in shares and managed funds?Margin lenders will only lend money up to certain proportion of your overall investment [...]

POSTED ON January 7, 2008
Adelaide is boom town for property

Adelaide has emerged as the star performer in the nation's property market over 2007 with an increase in the average house price of 23.6 per [...]

POSTED ON January 2, 2008
Tougher year ahead for investors

While the Australian share market has posted double-digit returns for each of the past four years, the outlook for 2008 is uncertain. Valuations currently forecast [...]

POSTED ON January 2, 2008
Consumers need to watch their rates

Borrowers should be wary of banks seeking to recover the higher cost of credit due to the global credit crunch over coming months. Total personal [...]

POSTED ON January 2, 2008
Gift cards boost sales period

The increased use of gift cards has retailers hoping that the good pre-Christmas sales figures will continue through-out the sales period. Myer has reported a [...]

POSTED ON January 2, 2008
RBA stands ready to lift rates in February

Despite growing concern about international economic conditions going into 2008 in the wake of the global credit crunch, the Reserve Bank is still of a [...]

POSTED ON December 21, 2007
A lot of explaining to do at Centro

Centro may face legal action from the corporate regulator after it was found that the company had failed to properly disclose debt worth $1.097 billion. [...]

POSTED ON December 21, 2007
Super fund returns halved

Sharemarket problems over the past few months could see superannuation funds deliver their lowest returns for the last five years. Research from SuperRatings shows that [...]

POSTED ON December 21, 2007
New rules for debenture ads

The Australian Securities and Investments Commission has issued tough new guidelines for companies offering debenture products. They will no longer be able to use terms [...]

POSTED ON December 20, 2007
Credit markets receive $580 billion vaccination

In an attempt to ease global credit shortages central banks globally injected more than $580 billion into the banking system. Led by the European Central [...]

POSTED ON December 20, 2007
Downbeat expectations for share market

Some of the gloss has come off the Australian share market with 43 per cent of fund managers expecting zero or negative returns in 2008. [...]

POSTED ON December 20, 2007
Year end intensifies credit crunch

Pressure on banks to lift their mortgages rates is building as global credit markets tighten. Global banks with end-of-year balance dates are working to ensure [...]

POSTED ON December 19, 2007
RBA allowed for higher cost of funding

The reason that the cash rate was not lifted again at the last Reserve Bank board meeting was the fact that the higher cost of [...]

POSTED ON December 19, 2007
Rents to rise for at least 3 years

Pressure on rents is not likely to ease any time soon as the latest figures show that the pace of housing construction is not keeping [...]

POSTED ON December 18, 2007
Fraud up but can’t touch Britain

Credit card fraud has risen slightly, from 14.8 cases per 100,000 transactions in the 12 months to June 2006 to 16.7 this year, but is [...]

POSTED ON December 18, 2007
Property group exodus slashes shares

Fears that other companies could face similar problems to Centro saw other property groups lose a total of $5 billion yesterday and the stockmarket fall. [...]

POSTED ON December 18, 2007
Austcorp quits debenture market

Austcorp Group has said that it will exit the debenture business and redeem the $30 million it has on issue and its 700 investors have [...]

POSTED ON December 18, 2007
Spending cuts required to rein in inflation

Forecaster Access Economics has warned that the federal Labor government will have to cut spending by as much as $10 billion per year to reign [...]

POSTED ON December 17, 2007
Rent growth slows for now

In the last quarter of the year there are some signs that the pressure on rents is easing. The latest data form Australian Property Monitors [...]

POSTED ON December 17, 2007
Australia should be concerned about US economy

The US economy is heading for recession and countries like Australia should be worried according to the chairman of investment bank Morgan Stanleys' Asian arm, [...]

POSTED ON December 17, 2007
Currency may fall due to depleted RBA reserves

Analysis by HSBC's chief economist, John Edwards, has found that if the turmoil in global credit markets continues and local banks cannot continue to fund [...]

POSTED ON December 17, 2007
Business growth doubles

The rate of growth in the number of new businesses almost doubled this year compared with 2006. Over 2007 335,000 new businesses were started while [...]

POSTED ON December 17, 2007
More people looking for work

The labour force has grown by 306,000 people over the last 12 months, boosted by a massive increase of 72,000 people in November alone. It [...]

POSTED ON December 14, 2007
Central bank plan confuses markets

In attempt to put a stop to the escalating cost of lending central banks across Europe and North America are co-operating to pump $100 billion [...]

POSTED ON December 14, 2007
Shareholders make their point

Shareholders are finding their voice with more than 90 resolutions put forward by the top 350 listed companies being met with protest votes this year. [...]

POSTED ON December 14, 2007
Australia tops image survey

For the second year in a row Australia has been ranked first in a survey that looks at global tourism trends and the attractiveness of [...]

POSTED ON December 14, 2007
Fund managers hit back at RBA

The Investments and Financial Securities Association has said that it is disappointed that the Reserve Bank of Australia had become involved in the funds management [...]

POSTED ON December 14, 2007
RBA deputy gives households a tick

The deputy governor of the Reserve Bank of Australia, Ric Battellino, has said he believes that households are in very good shape, with assets and [...]

POSTED ON December 13, 2007
Concern about investment commissions

The funds management industry in Australia is expanding at a rapid rate, growing from 50 per cent of GDP in 1990 to $1.7 trillion or [...]

POSTED ON December 13, 2007
Support for national consumer protection

Consumer and industry groups have come out in favour of a proposal by the Productivity Commission to implement national consumer laws. A report released on [...]

POSTED ON December 13, 2007
Brokers expelled from MFAA

Three brokers have been expelled from the mortgage industry's peak body, the Mortgage Finance Association of Australia, in the last two weeks. While the organisation [...]

POSTED ON December 12, 2007
Two kids for half a million dollars

A study has found that it costs a typical middle-income family $537,000 to raise two children to the age of 21, while high income families [...]

POSTED ON December 12, 2007
BankWest adds financial planners

The latest play in BankWest's strategy to take on the big banks is to have financial planners available in its retail branch network. The bank [...]

POSTED ON December 12, 2007
Business confidence takes a fall

Business confidence has fallen, with almost 22 per cent of firms saying that the change of government would have an adverse impact on their business [...]

POSTED ON December 12, 2007
Credit costs keep pressure on rates

The global credit crunch is showing no signs of easing with the bank bill swap rate at an 11 year high of 7.27 per cent [...]

POSTED ON December 12, 2007
Super to hit $5 trillion in 2022

Analysis conducted by actuaries Rice Warner has estimated that funds in superannuation could go from $1.2 trillion now to as much as $5 trillion in [...]

POSTED ON December 12, 2007
US rates to fall to 3 per cent

The chief investment officer of the world's largest bond fund has tipped that the official cash rate in the US will drop as low as [...]

POSTED ON December 12, 2007
Where can I Buy?

This two-stage calculator allows you to determine where you can afford to buy a home. First, find out how much you can borrow based on [...]

POSTED ON December 11, 2007
Stamp Duty Calculator

Stamp duty adds significantly to the cost of buying a property. Find out just how much it will cost in your state or territory. Note: [...]

POSTED ON December 11, 2007
Lump Sum Calculator

How much time and interest can I save by paying a lump sum off my loan? Note: The results from this calculator should be used [...]

POSTED ON December 11, 2007
Loan Repayment Calculator

Work out what your minimum weekly, fortnightly or monthly loan repayments would be for any borrowed amount. Note: The results from this calculator should be [...]

POSTED ON December 11, 2007
Loan Comparison Calculator

Note: The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. Individual [...]

POSTED ON December 11, 2007
Extra Repayments Calculator

How much time and interest can I save by paying more than my minimum repayment? Note: The results from this calculator should be used as [...]

POSTED ON December 11, 2007
Borrowing Power

Find out how much you can expect to borrow for a home based on your current salary and existing financial commitments. Note: The results from [...]

POSTED ON December 11, 2007
Amortising Calculator

Use this calculator to work out how much of your monthly payment is interest and how much is principal. Then see how much interest you [...]

POSTED ON December 11, 2007
Income Tax Calculator

Work out your income tax according to the ATO's personal income tax scales. Note: The results from this calculator should be used as an indication [...]

POSTED ON December 11, 2007
Budget Planner Calculator

Enter your annual income and expenses to help assess your financial position. Note: The results from this calculator should be used as an indication only. [...]

POSTED ON December 11, 2007
Term Deposit Calculator

Project your interest earnings from term deposits. The result will differ depending on the frequency that interest is calculated and credited to your account. Note: [...]

POSTED ON December 11, 2007
Savings Calculator

Project how much you can accumulate over time from an initial contribution and regular ongoing deposits. Note: The results from this calculator should be used [...]

POSTED ON December 11, 2007
Credit Card Calculator

Find our how much time and interest you can save by paying more than your minimum monthly repayment. Note: The results from this calculator should [...]

POSTED ON December 11, 2007
Self-managed super under-performing

A study of self-managed super funds (SMSFs) has found that most are not doing enough to maximise the return on their savings. Analysis published in [...]

POSTED ON December 11, 2007
Basel 2 reduces capital requirements

ANZ, Commonwealth, Westpac and the banking arm of Macquarie were the first banks to gain approval to operate under Basel 2 rules yesterday. The changes [...]

POSTED ON December 11, 2007
Dealing with Australian spam laws

In an electronic age where more and more marketing is done via email, instant messaging and SMS, it’s essential that business operators know the legislation [...]

POSTED ON December 10, 2007
A guide to privacy laws for small business

The handling of personal information is an important issue for both large and small businesses in Australia. In December 2002, the Commonwealth Government introduced privacy [...]

POSTED ON December 10, 2007
Trade Practices Act and Fair Trading Laws

Please note: As of 1 January 2011, the ‘Trade Practices Act 1974’ was renamed the ‘Competition and Consumer Act 2010’. This Act is a federal [...]

POSTED ON December 10, 2007
Tenders and contracts

With plenty of businesses competing for a share of the spoils, it’s worth knowing how to put together a successful tender.  A large number of [...]

POSTED ON December 10, 2007
Managing complaints

  Research suggests that if someone gets poor service or buys a product that doesn’t deliver on its promise, they’ll tell up to ten people [...]

POSTED ON December 10, 2007
Marketing and advertising

  Sales growth is a key goal for any small business, and a well thought-out marketing strategy can be the engine that drives sales.   [...]

POSTED ON December 10, 2007
Occupational Health and Safety

As an employer you are responsible for health and safety in your workplace. Latest statistics show that in 2004-05 there were 140,655 workers compensation claims [...]

POSTED ON December 10, 2007
Paying staff

The tax declaration form gives you information on the tax you should withhold. If your employee does not provide a tax file number within 28 [...]

POSTED ON December 10, 2007
Recruiting staff

  So you need to take on staff…just where do you start?  Firstly determine why you actually need extra staff so you can identify your [...]

POSTED ON December 10, 2007
Tax tips

  Tax, as they say, just like death is inevitable.  And when it comes to running a small business, tax is there from the very [...]

POSTED ON December 10, 2007
Insuring your business

Risk management is an important part of running and building a business. Getting the right insurance to protect your business against the unforseen and unthinkable [...]

POSTED ON December 10, 2007
What is receivables finance?

Factoring and discounting, also known as receivables finance, has seen a 21 per cent increase in the year to March 2007, and will have turnover [...]

POSTED ON December 10, 2007
What kind of financing would suit me best?

  If you’re starting or expanding your business, you have four main choices of funding: debt (funds borrowed from a lending institution), equity (your money [...]

POSTED ON December 10, 2007
Keeping good accounts

One of the key components of any successful small business is a proper accounting and record keeping system. It’s true that ‘cash is king’ and [...]

POSTED ON December 10, 2007
Break even analysis

  One of the key challenges facing any new business lies in determining the point at which you will break even, namely, where you will [...]

POSTED ON December 10, 2007
Profit and loss forecast

Determining whether your business will be profitable - and how long it will take to turn a profit - is a must to ensure your [...]

POSTED ON December 10, 2007
Cash flow projection

Cash is the lifeblood of any business, and a cash flow projection will show how cash is likely to flow in and out of your [...]

POSTED ON December 10, 2007
Small Business Start-up Costs

Boy scouts know the value of being prepared, and business operators should do the same - planning ahead for the costs involved in starting a [...]

POSTED ON December 10, 2007
The business plan

  Planning to succeed   Setting yourself up in business can call for a significant injection of time and money, so it makes sense to [...]

POSTED ON December 10, 2007
Council permits for a home-based business

How to start a small business from home Clearly there’s ‘no business like home business’, with close to one million small businesses operating out of [...]

POSTED ON December 10, 2007
Tips for working from home

As a self-employed person you'll have plenty of important decisions to make before you set up shop, not the least of which is deciding where [...]

POSTED ON December 10, 2007
Managing Intellectual Property

IPAustralia makes the point that what might seem unimportant today might be worth millions of dollars to you in the future so that’s why it’s [...]

POSTED ON December 10, 2007
Acquiring technology

Technology plays a key role in most enterprises, however it doesn’t always make sense to tie up valuable working capital on equipment that can be [...]

POSTED ON December 10, 2007
Setting up a website

If you’re in the process of setting up your own small business, you’ll probably need to set up your own website soon. An online presence [...]

POSTED ON December 10, 2007
Pro’s and Cons of Franchising

Becoming a successful small business operator, and being your own boss, is an aspiration that holds great appeal - which for many Australians is realised [...]

POSTED ON December 10, 2007
Setting up a company

Starting a business can be an exciting but daunting experience. But before you can hang your open sign you’ll need to make sure everything is [...]

POSTED ON December 10, 2007
Registering for an Australian Business Number

What is an ABN? The Australian Business Number (ABN) is an eleven-digit number that identifies you with the Australian Tax Office (ATO) and other government [...]

POSTED ON December 10, 2007
Choosing a business structure

If you are thinking about starting a business you need to decide on a number of different things, including what business structure you choose to [...]

POSTED ON December 10, 2007
Busy year for the stock exchange

Action on the local stockmarket has been intense this year with the 62.1 million trades recorded to November this year almost double the 37.5 million [...]

POSTED ON December 10, 2007
US housing recession can’t be stopped

A plan by the US Treasury Secretary may stop up to 1.2 million people losing their homes but experts say that it is too late [...]

POSTED ON December 10, 2007
Aussie banks hard to swallow

Westpac's chief executive, David Morgan, has said that Asian banks will find it hard to justify the take-over of one Australia's big four banks. "As [...]

POSTED ON December 10, 2007
Multiple rate rises in 2008 not so likely

Despite the fevered predictions of one, two or even three more interest rate rises looming next year, the chances of multiple rate hikes in 2008 [...]

POSTED ON December 7, 2007