Credit Cards

No Deposit, No Interest, No Repayment Offer. Very Interested ! No Deposit, No Interest, No Repayment Offer. Very Interested !

From time to time, this familiar phrase “No Deposit, No Interest, No Repayment”... Read more

No Christmas Debt Next Year ! No Christmas Debt Next Year !

Christmas is about giving, and that’s exactly why we got another “Christmas... Read more

Manage Your Only Credit Card: Don’t Fall Into Debt, Get Out If You There ! Manage Your Only Credit Card: Don’t Fall Into Debt, Get Out If You There !

I can think 2 main categories why one doesn’t want to have or use credit card.... Read more

Credit Card For Overseas Travel: What Is The Cost? Credit Card For Overseas Travel: What Is The Cost?

More and more people are traveling overseas compare to 10 years ago – thanks... Read more

Credit Card For Online Transaction, Is it Safe? Credit Card For Online Transaction, Is it Safe?

With tremendous popularity of the internet, more and more people now make their first... Read more

Increase Your Credit Limit on Your Credit Card, or not? Increase Your Credit Limit on Your Credit Card, or not?

From time to time, I always got a letter from my credit card issuer offering to increase... Read more

Credit Card: Income Revenue For Issuer Credit Card: Income Revenue For Issuer

I still remember when I first got my credit card. There is a feel of proud, importance... Read more

Benefit of having 2 (two) Credit Cards of Similar Value Benefit of having 2 (two) Credit Cards of Similar Value

Two credit card are considered of similar value if both of these credit cards have... Read more

Credit Card Best Practices Credit Card Best Practices

If you have a credit card or considering have one, these are the summary of the best... Read more

7 Ways to Maximize The Benefit of Credit Card 7 Ways to Maximize The Benefit of Credit Card

Credit card is a great product and extremely useful for day-to-day life activity.... Read more

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Home Loans / Mortgages

Pay Off Your Mortgage or Not ? Pay Off Your Mortgage or Not ?

This is probably the most popular question related to mortgage. If you have extra... Read more

Offset Account, Tax and High Rate Term Deposit/Saving Interest Offset Account, Tax and High Rate Term Deposit/Saving Interest

Still in the cloud of Global Financial Crisis, some banks often offer very generous... Read more

Fixed Rate or Variable Rate ? See This Simulation, Get Clear Answer! Fixed Rate or Variable Rate ? See This Simulation, Get Clear Answer!

When interest rate is expected to be going up, the classic question of most mortgage... Read more

Your Homeloan Also Depends On Your Credit Card! Your Homeloan Also Depends On Your Credit Card!

If you have (too) many credit card and you are thinking about getting a homeloan/mortgage,... Read more

Taking a mortgage ? Do Not Change Your Lifestyle Dramatically Taking a mortgage ? Do Not Change Your Lifestyle Dramatically

My observation could be too narrow, but from what I saw, when someone want to take... Read more

A Sweet Revenge: Let The Banks Pay Your Debt A Sweet Revenge: Let The Banks Pay Your Debt

Here is the thing. Most of you in one way or another, sooner or later, will probably... Read more

Offset Account: A Must Have For Your Mortgage Offset Account: A Must Have For Your Mortgage

If you have a homeloan / mortgage account, and especially if you are on variable... Read more

Be Careful With “Interest Only” Homeloan/ Mortgage: a Potential Problem You Should Know Be Careful With “Interest Only” Homeloan/ Mortgage: a Potential Problem You Should Know

One of the selection when you  take a homeloan/mortgage is that you can choose... Read more

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All Other Finance Articles

Why (almost) Everything In Australia is More Expensive than Overseas ? Why (almost) Everything In Australia is More Expensive than Overseas ?

Recently, where AU$1 can buy more than US$1, here people in Australia start to get more and more notice about how much more expensive is everything in Australia. Some big retailer blame the tax policy and online / internet retailer. The problem with that is sometime the difference is not proportional to the tax being discussed. If it is not the tax,... Read more

Purchase Cheap Online ? Maybe Not: 2 Most Important Tips – No, Not About Security Purchase Cheap Online ? Maybe Not: 2 Most Important Tips – No, Not About Security

So you heard that buying online is a cheaper alternative… But hold on, are you sure about that ? Below is the 2 most important tips, that one should never ever forget to do before doing any purchase online…It’s not about the security yada yada, it more fundamental than that…. Read more  Read More →

Funeral Plan Insurance ? Probably….. Funeral Plan Insurance ? Probably…..

I hope this was not some kind of signs or anything, but one of the insurance company that I ask for car insurance quote sometimes ago, sent me a package of Funeral Insurance plan with the quotation. Although, sometimes I often hear the ads on the radio, I did not really think it through that much… Until now…. Read more  Read More →

Insurance? 2 Kinds of Premium Pricing You Need to Know Insurance? 2 Kinds of Premium Pricing You Need to Know

No matter what kind of insurance you want to get, if you are expected to pay the premium continuosuly, it usually falls into 2 different kinds of pricing that we will discuss today: the stepped premium or the level premium. Although each has positive and negative factor, there is not much consideration as one type is much better than the other. Which... Read more

Rule of Ten: The Least You Can Do Rule of Ten: The Least You Can Do

Let’s face it: saving is not that easy with all of those bill and additional expenses that we need to cover. But fortunately, it’s not that hard either. As long as you are willing to commit to it, a little tip and rule of ten, will help you go trough this small hurdle of making a saving. Read more  Read More →

How to Get Rich: 4 Simple Plans To Do How to Get Rich: 4 Simple Plans To Do

I would think (almost) everybody will want to get rich, I mean financially wealthy. Some will denied that intention publicly, some will embrace it cheerfully. But most of those people, probably won’t have a real clue how to get rich. Because getting rich is not merely a result of getting more income. It has to follow the 4 simple plans outline... Read more

For the Savvy, There is No Junk Mail ? For the Savvy, There is No Junk Mail ?

I think it’s everywhere. The junk mail that is. In our place they come weekly without fail. From local restaurant, supermarket, department store even from local politician and many other sources, they just somehow stuck them in in your mailbox. But put your frustration aside, can this “junk mail” or more politely marketing material... Read more

Kiyosaki: “Savers are Losers” – A Sad Truth with a Catch Kiyosaki: “Savers are Losers” – A Sad Truth with a Catch

One of principle that has been emphasized by Robert “Rich Dad” Kiyosaki is that “Savers are Losers“. Yes, you read it right: the one who saves money are the losers. This is actually a sad truth that nobody can denied. But why he even say that? Is that mean we don’t have to save money at all ? What’s the catch ? Since... Read more

Behind Cash Back Offer: Why Company Give Away Cash? Behind Cash Back Offer: Why Company Give Away Cash?

Ever see promotional brochure that mention you will get a cash back if you buy certain product? Have you ever think about it why they make it so complicated ? Why just discount the price – end of story…?  In this article you will know why it is and so you understand if this marketing strategy will be more and more often be used by more... Read more

Everybody Can Be Rich Financially, Do You Know How? Everybody Can Be Rich Financially, Do You Know How?

If I make a statement that everybody – no exception – can be rich – financially – , people usually laugh at me and tell me that I am dreaming. That’s understandable as we can see not too many people around us that can be categorized as rich. When I say rich, I means rich financially – have more money that they need... Read more

Wanna be Rich? Change Attitude First ! Wanna be Rich? Change Attitude First !

If you want to be rich, I mean financially wealthy, you have to have the attitude before anything else. According to Meriam-Webster, attitude is “a mental position with regard to a fact or state” or simply put how we perceive about anything that happening around us. So, it’s actually about your  mindset ! But what the relation... Read more

Credit History: An Important Document You Can’t Deny Credit History: An Important Document You Can’t Deny

Credit history is simply a record to all your activities in the past in relation with loan and debt. It’s not only all your personal loan, homeloan/mortgage, car loan or credit card account that you apply are there, it’s may also contain all the subscription that you have such your post-paid mobile account and even electricity/gas account. ... Read more

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