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  • Resources | Which4U Australia - Money Blog
    you with relevant information on different finance related topics Get Insurance Help Whether you are planning to buy a life insurance or travel insurance pet insurance or car insurance you should do a lot of research before opting for one Visit getinsurancehelp net to get adequate information on any type of insurance Share the Which4U Australia Money Blog Tweet Pages Home About Us Resources Categories Bank Accounts Credit Cards Home

    Original URL path: http://blog.which4u.com.au/resources (2016-02-17)
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  • Bank Accounts | Which4U Australia - Money Blog
    removed Read more at Which4U Tags ANZ bank accounts home loans St George Bank Posted in Bank Accounts Home Loans Comments Off on Comment Ents and Entrapment Concerns Mount for Australian Banks Friday December 2nd 2011 Consumers might have been forgiven for thinking that a timely boost was set to come their way in time for Christmas It is widely predicted that central interest rates which had remained untouched since April 2009 will fall for the second consecutive month when the Federal Bank s committee convenes next week for the final time in 2011 But the untimely downgrading of Australian banks by credit ratings agencies this week has put a new complexion on the immediate forecast for bank funding irrespective of whether a central rate cut is announced or not Consumers are set to lose out when they may have expected to benefit Downgrading Standard Poor s have downgraded a number of major banks worldwide including Barclays HSBC Goldman Sachs UBS in Switzerland and the Bank of America In Australia the Commonwealth Bank ANZ National Australia Bank and Westpac all fell by one grade to AA the agency s fourth highest rating Macquarie Group was cut by two levels to BBB a grade which anticipates a level of risk from adverse economic conditions What these reductions do is heighten insecurity for banks to lend to one another This in turn raises the cost of lending as banks insure themselves from that elevated level of risk Such costs will no doubt be absorbed by consumers through less competitive savings and loan rates A central interest rate cut may prove welcome only insofar as it prevents loan rates from rising more Tags home loans interest rates mortgages National Australia Bank Reserve Bank of Australia savings accounts Posted in Bank Accounts 1 Comment

    Original URL path: http://blog.which4u.com.au/bank-accounts-2 (2016-02-17)
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  • Home Loans | Which4U Australia - Money Blog
    equally ensure that the wool that has constantly been pulled over consumers eyes is at last fully removed Read more at Which4U Tags ANZ bank accounts home loans St George Bank Posted in Bank Accounts Home Loans Comments Off on Comment Ents and Entrapment First test for mortgage exit fee legislation Friday November 4th 2011 The ban on mortgage exit fees introduced in July have been making their first impact this week following the 0 25 interest rate cut made by the Reserve Bank All major lenders have been compelled to respond in the knowledge that home loan holders are now able to walk away from any home loan deal without incurring financial penalties November s interest rate cut from 4 75 to 4 5 the first cut in 2 ½ years has provided the first real pretext for banks to respond amid concerns that under the new legislation loan holders could easily defect to banks offering better deals Were the full 0 25 cut to be passed on to consumers the average standard variable mortgage rate would be falling from 7 79 to 7 54 saving roughly 50 per month on an average mortgage more Tags home loans interest rates mortgages National Australia Bank Reserve Bank of Australia Posted in Home Loans Saving Money Comments Off on First test for mortgage exit fee legislation Home loan competition heating up Wednesday May 25th 2011 Banks and credit unions will be battling the competition to win over potential home loan customers in the coming months Australian banks are preparing to woo home buyers with discount home loans in an effort to stimulate the housing market despite talk of more interest rate hikes With the ban on home loan exit fees coming into effect on 1 July industry competition is expected to

    Original URL path: http://blog.which4u.com.au/home-loans (2016-02-17)
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  • Savings Accounts | Which4U Australia - Money Blog
    vulnerable consumers Pensioners of 83 years on average were pressured into investing six figure sums of their inheritence into long term risk heavy products often when they were not even expected to survive the investment term Collectively banks have faced compensation payments approaching 150 million 233 million more Tags Commonwealth Bank credit cards credit rating interest rates mobile apps Reserve Bank of Australia Posted in Credit Cards Savings Accounts Comments Off on Bank rupture Investment Opportunities for the Coming Decade Tuesday October 11th 2011 According to projections from industry analysts three of the best investment opportunities for the next ten years may include gold silver and food These projections reflect the growing economic uncertainty becoming commonplace in many areas of the world Food as an Investment All three of these investment opportunities are commodities with food being the least specific as many different kinds of food are traded in the commodity markets This makes buying food futures as an investment strategy somewhat hard to implement Overall food price levels may rise but if for example sugar happens to decline due to local factors such as a particularly favourable growing season producing a bumper crop those who invested in sugar will be left out of the general increase in food values Food is also a challenging investment option because its nature makes it difficult to hold directly for long term investing Foodstuffs after all are organic products that are subject to decay Food investors must usually purchase investment vehicles rather than the product itself Precious Metals as an Investment The situation is different with precious metals such as silver or gold The worldwide gold price is not subject to regional variations as food prices can be and since precious metals do not decay investors can purchase gold bullion and store it in a safe in their homes if they wish This investment strategy also has drawbacks of course the chief one being the possibility of theft One solution to the theft problem is to buy gold online Using this strategy investors work with an online firm that helps them access various bullion markets around the world Such firms provide their clients with information about the current gold price assist them with buying and selling as needed and even help them store their precious metals investments in secure vaults in cities such as London New York and Zurich Clients who decide they would prefer to hold their gold directly usually have the option of withdrawing their bars at any time Buying gold online can also have other advantages Trading in coins for example may require investors to purchase gold in very limited quantities such as the quarter ounce Investors who wish to purchase large quantities of gold may need to complete dozens of transactions but working with an online firm enables clients to purchase any quantity of gold bullion they wish any time they want With economic uncertainty increasing investors should begin to consider which types of financial vehicles will best protect

    Original URL path: http://blog.which4u.com.au/savings-accounts-2 (2016-02-17)
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  • Term Deposits | Which4U Australia - Money Blog
    Northern Rock in the UK and the considerable bailout afforded to the Royal Bank of Scotland large Australian banks have kept revenues and profits high There will be few who argue against the merits of strong banks particularly given the fate of European and American counterparts Many of these are now under investigation for alleged manipulation of the inter bank lending rate during the inception of the global financial crisis But for many it s hard to accept the banks ability to pull in record profits during a global financial crisis when many are living on the breadline and trying to negotiate their way through a stuttering economy more Tags australia comparison credit cards great britain home loans savings accounts term deposits Posted in Credit Cards Savings Accounts Term Deposits Comments Off on Banking in Australia and Great Britain A Comparison Term Deposits Choosing the right savings option Thursday May 14th 2009 Weighing up your savings choices When it comes to investing your money it is generally true that higher the returns carry the most risk Most investment options come with some element of risk but if you don t mind reducing your possible returns in exchange for a safe investment consider term deposits Term deposits can be found in most bank and credit unions and are designed to provide savers with a guaranteed fixed rate for a fixed length of time Because your money is locked away for the agreed term with no access provided to your money these accounts tend to offer higher rates of interest than regular savings accounts Another main difference between these accounts and your average savings account is that they normally require a high opening balance so to you will need an initial investment if you wish to consider this option more Posted in

    Original URL path: http://blog.which4u.com.au/term-deposits-2 (2016-02-17)
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  • Living the High Life | Which4U Australia - Money Blog
    project the engineer decrees The 727 jet now sits modestly tucked away in the woodlands of Oregon and is becoming quite the tourist attraction The High Life Mark II We re living the high life where everything s swell The High Life BBC It s hard not to smile at the expression living the high life The first episode of the BBC s 1995 comedy series The High Life sees two hapless Scottish stewards vying for promotion to Air Scotia s long haul crew They have special toilet people that come on at Bangkok a pensive Sebastian claims Meanwhile on his 30th birthday Steve is pointing to the influence of the new Scottish positive thinking bible Dinnae be Feart Grab Life By the Nuts Mr Campbell has no doubt taken a leaf or several from this tome and he s not contemplating stopping at one jet refurbishment Rather he s now looking further afield for assistance in creating a bigger and better second model Airplane Home v 2 0 as he terms it So any Australians with an eye for the unusual or with an indestructible credit card are welcomed to heed the call Only don t expect him to

    Original URL path: http://blog.which4u.com.au/credit-cards/living-the-high-life (2016-02-17)
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  • Banking in Australia and Great Britain: A Comparison | Which4U Australia - Money Blog
    have used to sustain their margins are rather furtive With a credit card rate after all most consumers know what to expect and a recent suite of new regulations should help to promote a more responsible climate for consumer credit Savings accounts and term deposits are often a different matter With the interest rate cuts over the past year now beginning to impact upon term deposits consumers are having to be all the more careful that they are not automatically rolled over onto a lower rate than before One further trend that has become endemic in the UK and is now widely adopted by Australian banks is that of temporary bonus rates which artificially inflate the headline rate on savings accounts These tend to last for 3 or 4 months after which rates fall overnight to a much lower standard rate In the UK the situation for savers is rather chronic The bonus rates on savings accounts can be as high as 96 A saver might open an account paying 3 and find that after 12 months the rate drops overnight to just 0 25 In this way banks have been able to exploit savers who don t operate with the cut throat efficiency and opportunism that is now required to make the most of their savings It s not quite that extreme in Australia just yet but as the samples below demonstrate bonus rates are becoming an increasingly substantial fixture Certainly through this system it is evident that the big banks are not the best destination for the best rates on savings accounts Samples RAMS USaver Bonus 5 75 Standard w o conditions 4 95 Citibank Online Saver Bonus 5 70 Standard 4 00 RaboDirect High Interest Bonus 5 60 Standard 4 60 Major Banks St George Maxi Saver

    Original URL path: http://blog.which4u.com.au/savings-accounts-2/banking-inaustralia-and-great-britain (2016-02-17)
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  • australia | Which4U Australia - Money Blog
    2012 with the report into MP Craig Thomson and the revelations about credit card misuse by a number of government departments There s also the case of Australian banks Having witnessed the collapse of Northern Rock in the UK and the considerable bailout afforded to the Royal Bank of Scotland large Australian banks have kept revenues and profits high There will be few who argue against the merits of strong banks particularly given the fate of European and American counterparts Many of these are now under investigation for alleged manipulation of the inter bank lending rate during the inception of the global financial crisis But for many it s hard to accept the banks ability to pull in record profits during a global financial crisis when many are living on the breadline and trying to negotiate their way through a stuttering economy more Tags australia comparison credit cards great britain home loans savings accounts term deposits Posted in Credit Cards Savings Accounts Term Deposits Comments Off on Banking in Australia and Great Britain A Comparison Share the Which4U Australia Money Blog Tweet Pages Home About Us Resources Categories Bank Accounts Credit Cards Home Loans News Saving Money Savings Accounts Term

    Original URL path: http://blog.which4u.com.au/tag/australia (2016-02-17)
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