![[finance,what?]](http://fbmc.b4g.info/fwlogo.png)
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, then what is the factors that make (almost) everything in Australia more expensive ?
Read MorePurchase 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 MoreFuneral 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 [...]
Read MoreInsurance? 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 one? Let’s get started…
Read MorePay Off Your Mortgage or Not ?
This is probably the most popular question related to mortgage. If you have extra money, will you better off use it to pay off the mortgage (reduce your homeloan) or not ? What you will read here need open mind and a little bit knowledge about economy but if you never though about it before, it probably will blow your mind !
Read MoreOffset Account, Tax and High Rate Term Deposit/Saving Interest
Still in the cloud of Global Financial Crisis, some banks often offer very generous high interest rate for saving account or term deposit, even much higher than their mortgage interest rate. So, if you have mortgage as well, is it better put any extra money in this high interest saving or put it in the offset account of your home loan ?
Read MoreNo Deposit, No Interest, No Repayment Offer. Very Interested !
From time to time, this familiar phrase “No Deposit, No Interest, No Repayment” comes on the commercial break on your TV. The offer varies the period. Sometimes only for 12 months, but if the time is right it can be up to 40 months. (Yes, only about 3.5 years later you need to worry about the payment). Sounds to be good to be true? Actually, it’s not. It’s real and simple and everybody happy. You just need a discipline !
Read MoreRule 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 MoreNo Christmas Debt Next Year !
Christmas is about giving, and that’s exactly why we got another “Christmas Debt” this year: buying too much gift or too expensive gift for all the one we care. The problem is we know each time that we will a bit overspend during Christmas, yes, we can blame it to the holiday spirit, but we need to do something to make sure next year we will be without xmas debt!
Read MoreFixed 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 holder is “should I fixed my rate or keep it variableâ€. And most answer they got will be the usual vague notion: “It dependsâ€. Well, do not settle with that answer, because with simple simulation below you will have your answer yourself with your own number! (The good news is, don’t worry about the calculation as the software will take care it for you)
Read More