One way or return?

Is the quoted fare for a one-way or return flight? Many of the low fares on offer are one-way tickets only. Be sure you are [...]

POSTED ON March 18, 2008
Small business customers on the move

Twelve per cent of micro business customers said they would definitely change banks during the next six months, while 20 per cent said it was [...]

POSTED ON February 23, 2005
Take tax into account for investment planning

When judging performance, investors often look at the wrong number, since many published comparisons of investment performance do not take into account tax. For example, [...]

POSTED ON October 19, 2004
Know what interest rate applies

When offered car finance, either lease or loan, always be sure you know what interest rate applies. Lenders often ‘sell’ you their finance packages by [...]

POSTED ON June 21, 2002
Prepay interest for tax benefits

Most borrowers are able to claim margin loan interest and other costs of investment as tax deductions - depending on personal circumstances. Prepaying twelve months [...]

POSTED ON June 13, 2002
Beat rising interest rates

Prepaying interest on a margin loan may produce interest savings in a rising interest rate environment. By locking at a competitive fixed interest rate for [...]

POSTED ON June 13, 2002
Understand how excesses and co-payments work

Most funds offer hospital products with either excesses or co-payments (excesses are the most common). A hospital policy with an excess or co-payment will have [...]

POSTED ON January 29, 2002
Rebuild your creditworthiness

You may baulk at having to pay higher interest rates or comply with stricter terms on the non-standard loan alternatives. However, paying off such a [...]

POSTED ON April 17, 2001
Save with a line-of-credit loan

Disciplined borrowers can make use of the increasing range of line-of-credit loans, also called salary account or all-in-one loans, which offer the chance to make [...]

POSTED ON March 12, 2001
Have you considered a credit card?

Consider also a credit card as your source of credit. Interest rates are generally higher but credit cards are easier to secure and offer greater [...]

POSTED ON February 14, 2001
Use your credit card to save bank fees

Instead of withdrawing cash to make purchases, use a credit card with interest-free days to make as many purchases as possible. At the end of [...]

POSTED ON February 12, 2001
Know what interest rate is being charged

Make sure that you determine the actual interest rate being charged in any leasing deal you consider. Those offering you lease finance will invariably avoid [...]

POSTED ON February 12, 2001
Have the right information when applying

What you will be required to supply in any application for lease finance will depend on whether the lease is for personal or business use. [...]

POSTED ON February 12, 2001
Understand how interest is earned

Banks and other institutions offering deposit accounts pay savers higher interest the more you deposit with them the longer you leave your savings deposited [...]

POSTED ON February 12, 2001
Consider the interest rate cycle

Interest rates rise and fall according to regular cycles. This is especially important for longer-term savers to recognise. Those willing to commit to a fixed [...]

POSTED ON February 12, 2001
Don’t just look at term deposits

When looking for higher interest returns than on a normal passbook account, consider online savings accounts, cash management account (CMAs) and cash management trusts (CMTs), [...]

POSTED ON February 12, 2001
Use two cards to beat the banks

Disciplined users can use two cards to maximise the benefits of both interest-free periods and lower interest rates. Typically cards offer one and not the [...]

POSTED ON February 12, 2001
Do you need a redraw facility?

A redraw facility allows you to make additional repayments on your mortgage, and then have access to the additional repayments if you need to. However, [...]

POSTED ON February 9, 2001
Check if there are ongoing fees

Many banks now charge monthly or annual administration fees on home loans. When comparing the cost of different loans, don't just look at the interest [...]

POSTED ON February 8, 2001
Save interest with offset accounts

Offset accounts not only save you home loan interest, they help beat the taxman as well. Savings in offset accounts are subtracted from the outstanding [...]

POSTED ON February 8, 2001
Additional repayments

Making additional repayments beyond what's required in your minimum monthly repayment is one of the best ways to reduce the total interest paid and term [...]

POSTED ON February 7, 2001
Complaints, disputes and enquiries

If you are in dispute with a health fund there is an independent complaints resolution process at hand - the Private Health Insurance Ombudsman. You [...]

POSTED ON October 10, 2000
Check overseas coverage

Many health insurers will not pay for any overseas medical treatment. Other health funds will only make payments at Australian fee levels - which are [...]

POSTED ON October 9, 2000
Keep up to date with your payments

Your health insurance policy will usually be cancelled if you fail to make payments for two consecutive months. People rejoining after such a cancellation may [...]

POSTED ON October 9, 2000
Lodge claims promptly

Most private health funds won't pay benefits if you make a claim two years after the treatment was provided. If legal action or other unforeseen [...]

POSTED ON October 8, 2000
Beware of waiting periods

Usually only treatment for accidents is covered when you first join a health fund. Waiting periods usually apply to all other types of treatment. Below [...]

POSTED ON October 6, 2000
Beware of benefit limitation periods

Some funds impose benefit limitation periods (sometimes known as restricted services) on new members, people transferring from other funds and existing members upgrading their policies. [...]

POSTED ON October 6, 2000
Look beyond the banks

Get a feel for what's on offer across the wide range of financial providers around these days. Credit unions, building societies, mortgage originators, community banks [...]

POSTED ON September 20, 2000
10 Guidelines to selling your property

1. Choose your agent Telephone the Real Estate Institute of your state’s Membership section for a list of REI Members in your area. Ask REI [...]

POSTED ON September 19, 2000
Make your surplus cash work harder

Use cash savings to help pay off your loan quicker. Remember the old saying 'a dollar saved is a dollar earned'? If you have a [...]

POSTED ON September 19, 2000
Choosing a real estate agent

Deciding which agent will handle the sale of your home is likely to be one of the most important decisions you will make in the [...]

POSTED ON September 18, 2000
Housing as an investment: build or buy?

With Australians having one of the highest per capita love affairs with property of any industrial country, it is no surprise that many want to [...]

POSTED ON September 15, 2000
Which home loan will suit you?

While lenders are actively competing for the hearts, minds and purse strings of home buyers, the question you as a buyer should ask is: "Which [...]

POSTED ON September 15, 2000
Taking advantage of interest rates

Record low interest rates are offering those with a stable income the chance to make a great investment in the housing market and in their [...]

POSTED ON September 15, 2000
Sole agency agreements a two-way street

Sole agency agreements sometimes cause confusion among sellers about the requirements of the salesperson. This confusion often leads to a question being asked about how [...]

POSTED ON September 15, 2000
Sellers and the improving property market

Recent leading property reports confirm improving buyer demand and sales generally throughout the property market, which should lead to better prices. For a seller to [...]

POSTED ON September 15, 2000
Renovation gives new opportunities

Buying and renovating an older home can be a great opportunity to own the house of your dreams and add great value to your investment. [...]

POSTED ON September 15, 2000
How to present your home to best advantage

Having decided on the preliminaries of selling your home - such as which agent and the method of sale - the next most important step [...]

POSTED ON September 15, 2000
Planning when buying pays dividends

Using a systematic approach to buying a home can save you hours of work and considerable heartache. If you approach buying systematically, you can also [...]

POSTED ON September 15, 2000
Consider the size of your trades

When comparing fees among brokers, consider the likely size (dollar value) of your trades. Fee scales can vary considerably so that a broker who is [...]

POSTED ON September 12, 2000
Don’t just look at price

Do your research on airfare offers and aim not just to save money but get better value for money. Take into account imortant issues like [...]

POSTED ON August 29, 2000
Consider float offers carefully

If allocated shares in a float by your broker, consider first whether they suit your investment strategy before accepting. Don’t just buy in because you [...]

POSTED ON August 22, 2000
Beware monthly fees

Look out for monthly subscription fees which will apply wheter you trade or not during the period. Check what you get for your money. Such [...]

POSTED ON August 18, 2000
Stay vigilant

The ability to monitor news and ASX announcements for changes in price-sensitive information is an important part of an online broking service. Check that the [...]

POSTED ON August 18, 2000
How deep is your research?

Check what the broker offers in company profile and recommendation report information - just how detailed is it? [...]

POSTED ON August 18, 2000