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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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 about [...]

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.   Realise [...]

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 exact [...]

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 or [...]

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 earn [...]

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 put [...]

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
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
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
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
OECD urges more rate hikes

The Organisation for Economic Co-operation and Development has said that more needs to be done to rein in the Australian economy, suggesting that the Reserve [...]

POSTED ON December 7, 2007
RBA blames tax-cuts for November rate rise

Minutes of the November Reserve Bank meeting, when rates were increased, have revealed that tax cuts and government spending were the subject of lengthy discussions [...]

POSTED ON December 6, 2007
Rabobank easier to access

Rabobank has moved to improve service options for its customers by partnering with Australia Post. The deal will allow the bank's business customers to use [...]

POSTED ON December 6, 2007
New help line for unclaimed money

The Australian Securities and Investments Commission has embarked on a campaign to find owners for the $458 million in unclaimed money that it holds. ASIC [...]

POSTED ON December 4, 2007
Business spending eases

Business investment is easing with a fall of 6.5 per cent in private sector investment in the September quarter. Senior strategist at TD Securities, Joshua [...]

POSTED ON November 30, 2007
NAB nabs US agri-bank

National Australia Bank yesterday expanded its business in the North American farm sector by securing a deal worth close to $US800 million, challenging Rabobank as [...]

POSTED ON November 30, 2007
Financial services sector keen for reforms

The incoming Labor government is expected to launch a Wallis-style inquiry into the financial sector. Senator Nick Sherry has been Labor's spokesman on financial services [...]

POSTED ON November 26, 2007
CBA warns that its rates will rise

The Commonwealth Bank has warned that higher mortgage rates are on the way as it will not be able to continue to absorb the higher [...]

POSTED ON November 23, 2007
Building costs to push even higher

There seems to be no end in sight for rising construction costs as demand continues to surge despite ongoing shortages of labour and equipment. A [...]

POSTED ON November 23, 2007
Outlook gets tougher for RAMS

More troubled times ahead for non-bank lender RAMS as it struggles to obtain refinancing for $6 billion of the loan book it has been left [...]

POSTED ON November 22, 2007
Borrowers unsure about reverse mortgages

An inquiry conducted by the Australian Securities and Investments Commission has found that many people who take out a reverse mortgage do not really understand [...]

POSTED ON November 22, 2007
OECD warns of US recession

The Organisation for Economic Co-operation and Development has warned that the problems seen in global financial markets over the last few months may have been [...]

POSTED ON November 22, 2007
IBM expects major bank IT upgrades

Australian banks may soon replace their ageing core computer systems according to the head of IBM's consulting division, Ian Ball. So far they have been [...]

POSTED ON November 21, 2007
Warrants

A warrant is a 'derivative' security which gives the holder the opportunity to buy or sell shares (or other securities) at a future date for [...]

POSTED ON July 5, 2002
Trading credits

Most brokers will allow trades to be made on the top 150 stocks up without cleared funds in the trading account. But these 'trading credits' [...]

POSTED ON July 4, 2002
Portfolio valuation

Calcualtion of the value of a trader's combined share holdings, performed either 'live' or end of day. [...]

POSTED ON July 4, 2002
Price alert

Service offered by online brokers, either by email or phone, to notify investors when a share reaches a pre-specified price level. [...]

POSTED ON July 4, 2002
Subscription fees

Periodical fee for access to an online broker's service. The subscription typically provides the investor/trader with greater access to the broker's 'live' information, research or [...]

POSTED ON July 4, 2002
Research reports

Market news, commentary, information services and perhaps stock or managed fund research to help traders with their investment decisions. [...]

POSTED ON July 4, 2002
Price of housing ‘to stay stable’

Macquarie Bank's latest Property Market Outlook predicts that interest rates will rise by up to 0.75 per cent over the next year, but its authors [...]

POSTED ON July 3, 2002
Baby bonus could be mum’s super

If young mothers invested the new Government baby bonus into super it could provide a handsome retirement plan, according to Norwich Union. If the annual [...]

POSTED ON July 3, 2002