ozbiyahero.blogspot.com

Apply for a UnionBank Credit Card!

noreply@blogger.com (Unknown) — Tue, 25 Jun 2024 02:04:00 +0000

Know someone who owns a credit card from another bank? This is the best time to refer them to apply for a UnionBank Credit Card!

Each approval earns you a P5,000 eGift. Complete four (4) referrals to earn P20,000 eGift and redeem an Apple Watch SE from Power Mac Center.

Apply Now!

What I like about Wise : GDPR compiant, Zero foreign or international transaction fee debit Mastercard and Link it to PayPal

noreply@blogger.com (Unknown) — Fri, 12 Jun 2020 05:57:00 +0000

What I like about Wise

✅ The real GDPR compliant

✅ and now the Wise debit Mastercard® has landed, wow international people can spend around the world with ZERO foreign transaction fees.

✅ Wise provides services from ISO27001 and PCI DSS compliant AWS datacenters.

✅ Constantly audited. SOC 1 type 2, SOC 2 type 2, PCI DSS certified, GDPR compliant and follow ISO27001.

How Wise Uses Twilio 2FA to Move Money Securely

Get your Wise debit Mastercard®

Zero foreign or international transaction fees

Plus no annual fees and low currency conversion fees.

Free ATM withdrawals worldwide

Free cash withdrawals up to $350 every 30 days.

Auto-convert any currency

Spend in any currency and our smart tech will auto-convert it with the lowest possible fee.

Easy-to-use app

Add and convert money, get instant notifications, and freeze or unfreeze your card anytime.

After getting your debit card, you can link it to your PayPal account

1. Go to PayPal Wallet > Link a credit or debit card

2. Fill up the card details

3. Click on "Link Card" a credit or debit card

4. Next is to confirm your debit card in PayPal website.

How do I confirm my debit or credit card in PayPal

What I like about using OrbitRemit. It's about privacy (GDPR Compliance)

noreply@blogger.com (Unknown) — Fri, 01 May 2020 05:33:00 +0000

What I like about using OrbitRemit

- If you make your remittance in the morning you can expect it to be in your recipient’s bank account on the same day.
- Aside from speed, exchange rate, usability, it's privacy! It's GDPR compliant according to their support!

Although it is nowhere to be found on their website, I did due diligence and contacted their support to confirm.

According to OrbitRemit support, as a company registered in NZ, Australia and the UK, they comply with the privacy regulations of these countries and as per their terms and conditions, they value the privacy of our customers.

In the UK or EU, when it’s about privacy you talk about (GDPR Compliance)

Please refer to their terms and conditions for further information. https://www.orbitremit.com/legal/privacy-policy

After reading their privacy policy, in reference to GDPR compliance, these are your information rights on your personal data.

You have certain rights relating to:

1. Right to access: the right to request copies of your personal information from us;
2. Right to correct: the right to have your personal information rectified if it is inaccurate or incomplete;
3. Right to erase: the right to request that we delete or remove your personal information from our systems;
4. Right to restrict our use of your information: the right to 'block' us from using your personal information or limit the way in which we can use it;
5. Right to data portability: the right to request that we move, copy or transfer your personal information;
6. Right to object: the right to object to our use of your personal information including where we use it for our legitimate interests, or where we use your personal information to carry out profiling to inform our market research and user demographics. If you raise an objection we will stop processing your personal information unless very exceptional circumstances apply, in which case we will let you know why we're continuing to process your personal information.

That's 6/8 boxes ticked. (see -- https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/)

Weighing up the competition

There are plenty of companies that process international remittances

But what makes them different? How do you know which is the best one? Let’s compare a number of the most well known remittance services and see which ones stand out in terms of fees, rates, security, transfer times, and satisfaction. That way, you can make sure you’re getting the best deal when you send money abroad.

My first investments in CommSec Pocket

noreply@blogger.com (Unknown) — Mon, 30 Mar 2020 04:30:00 +0000

My first investments in CommSec Pocket

Well, the markets are down but so is the AUD. It is time to invest in the sharemarket.

I have chosen IOZ and NQD and soon SYI

about CommSec Pocket App (source CBA)

An app so simple, it turns a non-investor into an investor
You can start investing with as little as $50, and gradually build a portfolio over time. Choose from 7 themed investment options and invest in something that appeals to you, like tech, sustainability leaders, or the biggest 200 companies on the Aussie market. We’ll help you along the way with bite-sized tips, videos, and articles to teach you all about the share market.

How it works
When you invest via CommSec Pocket, you’ll be buying units in an Exchange Traded Fund (ETF). ETFs are funds that trade on a stock exchange, just like shares – the difference is that an ETF represents an investment in a selection of companies and assets, while a share represents an investment in just one company. One ETF can give you exposure to a whole diverse portfolio.
Every ETF in CommSec Pocket has a theme. See below for all the options you can choose from, covering different industries, markets or countries.

Investment options
Invest in something that matters to you, with 7 options to choose from:

Benefits
Simplified investing, anytime, anywhere.

Brokerage
When you trade through the app, you’ll pay $2 each time you invest or sell up to $1,000.
Trades over $1,000 are charged at 0.20% of the trade value. For example, a $1,100 trade will cost you $2.20 ($1,100 x 0.20%)

Zero account keeping fees
It costs nothing to have an account. Ever.

Late settlement fee
Cash is debited from your account 2 business days after your trade is done. This is when your trade settles. If there are insufficient funds when we debit, you’ll be charged a $10 Late Settlement Fee.

ETF management fee
Each ETF provider charges a management fee for providing the ETF to investors. The fee ranges from 0.09% to 0.67% of your investment per year depending on the ETF. It’s not an out-of-pocket fee. Rather, it’s deducted from the ETF’s unit price. The fee is shown when you browse the investments. The fee is charged by the ETF provider, not by CommSec.

Supplementary services
Fees apply for supplementary services. For more info, see our Financial Services Guide.

Per discussion in Whirlpool forums, here are the expense ratios

Aussie Top 200 – iShares Core S&P/ASX 200 ETF – IOZ 0.09%
Aussie Dividends – SPDR MSCI Australia High Dividend Yield Fund – SYI 0.35%
Global 100 – iShares Global 100 ETF – IOO 0.40%
Emerging Markets – iShares MSCI Emerging Markets ETF – IEM 0.67%
Health Wise iShares Global Healthcare ETF = IXJ 0.47%
Sustainability Leaders – BetaShares Global Sustainability Leaders – ETHI 0.57%
Tech Savvy – BetaShares NASDAQ 100 – NDQ 0.48%

How do take advantage of this app and how to do investing?

To borrow the words of 'blueka' member of Whirlpool:

If you choose to invest lets say $1000pw then you're going to be paying $104 in brokerage in 1 year.  You'll have $52,000 invested.

What are your alternatives to invest $52,000? 

You could do $26,000 semi-annually and pay a total of $62.40 in brokerage. 

However, you will miss out on returns having $0 invested for 6 months, and similarly missing out of $0-$25000 for the other 6 months, which in all probability will be higher than the $41.60 you save in brokerage costs.

The CommSec App is a tool that is handy and mobile; making you able to react and invest immediately. Remember that in investing, time is valuable. Make it Count!

Going physically to Filipino Stores to do remittance to loved ones to Philippines is dead. It is for oldies! :)

noreply@blogger.com (Unknown) — Mon, 30 Mar 2020 04:03:00 +0000

Going physically to Filipino Stores to do remittance to loved ones overseas is dead. It is very primitive and

It is for oldies! :)

... and now, specially during times like this CORONA virus period, you can transfer money online.

and I use OrbitRemit for that purpose!

I’ve been using OrbitRemit to send money abroad. It’s really easy, you can do everything online and it’s up to 80% cheaper than using the bank! Sign up now and make it count with a free payment:

Working from home this time of the virus period? You can save electricity by simply changing your tariff rate. But which type of tariff is right for you?

noreply@blogger.com (Unknown) — Sun, 29 Mar 2020 02:15:00 +0000

Working from home this time of the virus period?
You can save electricity by simply changing your tariff rate.

But which type of tariff is right for you?

A tariff is the way you get charged for your energy.

Choosing the right tariff for you can help reduce what you pay for your energy.

To help you work out what’s best for you, we’ll explain:

what the different tariffs are, and
how they work.

Electricity tariffs

There are three types of electricity tariffs:

- single rate, time of use, controlled load, and demand

With single rate tariff plan there are no peak or off-peak periods. This means that you pay the same rate whatever time of day you use energy.

The rate is usually lower than the peak rates of a time of use tariff. This means a single rate plan could be a good choice if:

You are at home a lot in the evening Monday to Friday.
You need to use your appliances more Monday to Friday, like your washing machine or dishwasher.

Single rate tariffs are sometimes called:

flat rate
standard rate
anytime rate, or
peak rate.

READ MORE in

The Australian Government has released an official app with the information you need to know about #Coronavirus #COVID19

noreply@blogger.com (Unknown) — Sun, 29 Mar 2020 01:44:00 +0000

The Australian Government has released an official app with the information you need to know about #Coronavirus #COVID19.

Search “Coronavirus Australia” in the Apple App Store and on Google Play.

FREE Apps. Resilio Sync and Sync.com -- rsync alternative and cloud storage (google drive, DropBox) alternative

noreply@blogger.com (Unknown) — Fri, 02 Aug 2019 10:24:00 +0000

The Best File Sync Software. Resilio Sync (free, with paid options)

I just started using this application, Resilio Sync. This app provides peer-to-peer file synchronization which can be used for private file storage, backup, and file sharing. This also means your files are never stored on a single server in the cloud! https://www.resilio.com/sync-reviews/

Sync is like DropBox, but 100% private.

Sync makes it easy to store, share and access your files from just about anywhere. Best of all, Sync protects your privacy with end-to-end encryption — ensuring that your data in the cloud is safe, secure and 100% private.

Share your own files absolutely free with Sync.com

Why Sync?

✅ GDPR compliant

✅ HIPAA compliant

✅ Zero Knowledge privacy

✅ end-to-end encryption

Money Management Articles - by Mark So

noreply@blogger.com (Unknown) — Mon, 03 Sep 2018 05:42:00 +0000

I and my peers been a student of Mark So and have learned a few money management skills or discipline by:

1. Attending one of his courses
2. Reading his FREE articles in his website.

Who is Mark So?

Mark So hails from the Philippines. He started Investing in Currencies in 1998 when the USD was still at 32 to the Peso (It has gone as high as 56.50 since then) . In 2000 he started building businesses while buying and selling the USD offline. Today Mark is the Founder and Chief Forex Trainer of Forex Club Asia, the trading club of traders across Asia with more than 3,000 members. He is also the Chairman and CEO of Businessmaker Academy, Inc. A Business, Investment, and HR Training Institution that has trained more than 20,000 Alumni since 2003.

Mr. So is also a frequent guest on ANC and GNN where he is regularly invited to talk and share his insights on Forex Trading. He is also a regular columnist at Manila Bulletin and Money Sense Magazine where his Business and Currency articles are read by thousands of Entrepreneurs and Investors Nationwide.

Forex for Beginners - Learn Forex Trading Online from the Guru, Mark So

noreply@blogger.com (Unknown) — Wed, 20 Jun 2018 12:00:00 +0000

Forex for Beginners || ozbiyahero.com

Learn Forex Trading Online from the Guru, Mark So for $10 only

Forex for Beginners

“I want to learn, but I don’t have the time to take the class”
Not a problem, Learn Online! Learn Anytime, Anywhere, Any Device!

When you purchase this for 10 measly US Dollars or roughly 500 Philippine Pesos, you will be instantly given a special login and password to the membership area to watch 12 super informative videos to get you started right away.
Immediate viewing after purchase.

Ask questions online. Learn from Mark So Personally for 1 whole year!

The Top 3 Things You will Learn:
1. How to Open and Navigate Demo Accounts and Charts (FXCM Trading Station)

2. What are and how to place “Long” and “Short” Market Orders

3. Understanding Jargon: Currency Pairs, Pips, Spreads, Lots, Leverage, Margin Accounts

How Much?
Access to the live class plus 12 Awesome Videos, Anytime, Anywhere, Any Device, Access to Mark So Personally For Clarification and Questions on the Content for 1 Whole Year!
You get all of these for a super duper price of only $10.00 (Approximately P500.00)

Claim a CTP Green Slip refund

noreply@blogger.com (Unknown) — Tue, 20 Mar 2018 10:30:00 +0000

The NSW Government has reformed the compulsory third party (CTP) insurance scheme to reduce the costs of CTP Green Slips for vehicle owners and better support people injured on our roads.

If you were the registered owner of a private vehicle as at midnight 30 November 2017, you may be able to claim a CTP Green Slip refund for insurance policies bought or renewed before 1 December 2017.

https://www.service.nsw.gov.au/…/claim-ctp-green-slip-refund

Fast Cover Travel Insurance Friend Referral Program

noreply@blogger.com (Unknown) — Sun, 26 Nov 2017 00:39:00 +0000

Fast Cover Travel Insurance is so far the cheapest, and most affordable travel insurance I found online.

Help out your family & friends

Once you've purchased and saved $5, you'll also have the opportunity to help out your family and friends by sharing a unique $5 discount for them. On the confirmation page underneath your policy details, you'll find details of how you can share the $5 discount on social media such as Facebook or Twitter and an option to email the discount as well.


Fast Cover Friend Referral Program

Reduce the cost of your travel insurance

For each traveller who purchases from the link you shared, we'll refund $5 onto your credit card that you used to purchase your policy. The link can be used multiple times, so you can get up to the price of your policy or $100 (whichever is the lesser amount) refunded onto your credit card! Now that will seriously reduce the cost of your travel insurance.

Share $5 travel insurance discount Now!

If you aren't quite ready to buy, you can still share this $5 discount link with your family and friends. Simply share via social media, enter friends or families email addresses or copy and paste the link wherever you wish such as your blog, on a coupon site, your social media accounts or into an email. That way your friends and family can get $5 OFF their travel insurance for their upcoming trips.

https://fastcover.com.au/travel-insurance-friend-referral-program?voucher=FriendRef5Off&frtkn=r8nZ3CqIjIh60rnWzvt9aw%3d%3d

PSE’s FREE webinar on PERSONAL FINANCE and STOCK MARKET 101

noreply@blogger.com (Unknown) — Sun, 20 Aug 2017 09:48:00 +0000

Join PSE’s FREE webinar on PERSONAL FINANCE (August 25) and STOCK MARKET 101 (September 01). Both webinars will be conducted from 4:00-5:30PM (PHL time).

Webinars are online seminars that feature a live presentation while allowing attendees to send questions to the speaker and the panelists via chat.

How To Register?

August 25 (Personal Finance) - http://bit.ly/2uBAjt3

September 01 (Stock Market 101) - http://bit.ly/2veCpCt

Share to your friends now!

NEW Guidelines in Applying for NBI Clearance for Applicants Abroad

noreply@blogger.com (Unknown) — Thu, 25 May 2017 12:09:00 +0000

Note:

This is generally applicable to any state in Australia

This is applicable to any country and any Philippine Consulate

NBI Clearance Certificate 2017

The NBI Clearance is the Philippine police clearance issued by the National Bureau of Investigation.

STEP # 1.
Secure and fill-up the Fingerprint Card (application form) and pay the corresponding fee.
The Consulate provides the Fingerprint Card which serves as the application for NBI Clearance. The Consulate is authorized by the NBI to take fingerprint impressions.

If applied in person, the requirements for NBI Clearance are:
1. Original Valid passport and one (1) certified copy of the data page of the passport (or bring the actual passport itself)
2. One (1) size 2"x2" photograph with plain white background
3. Application fee. Refer to Schedule of Fees.

If there current name used by the applicant has changed from the name on the passport, the applicant must provide additional official document(s) supporting or effecting the change, for example:
•   Marriage Certificate
 •   Court Order on change of name
 •   Writ of Divorce 
•   In cases where the applicant had a previous marriage, divorced, and re-married, then both writ of divorce and new marriage certificate must be provided

NOTE: The Consulate does not process the clearance.

STEP #2.
2.1 - The applicant can send the application to a representative in the Philippines, who can then submit the application to an office of the National Bureau of Investigation. In addition, you must attach an Authorization Letter and a photocopy or scan-copy of your passport.
2.2 - Alternatively, the applicant can send the application directly to the NBI Main office.

Ms. SANDRA P. SOBIDA
Mailed Clearance Section
3rd Floor. NBI Clearance Bldg.,
UN Avenue, Ermita, Manila

She can also be reached at telephone number +61(2) 5238231 loc 5465

The outcome of the application is the NBI Clearance Certificate.

IMPORTANT Note:
The Australian agencies requesting the NBI Clearance usually require the NBI Clearance Certificate to bear the seal of the Philippine Consulate and the thumbprint of the applicant.
The applicant should bring the NBI Clearance Certificate to the Consulate for the affixation of the seal and thumbprint. The Consulate will not charge any fee for this service.

For the newly released NBI Clearance Certificate nowadays, it has already the dry seal. For the affixation of thumbprint, you can go to the nearest police station. The police can either assist you onsite or give you a film-like, plastic material that you can peel over and has ink on it. This you will use yourself to affix your thumbprint.

See the official procedures from the Embassy of the Philippines

noreply@blogger.com (Unknown) — Tue, 11 Apr 2017 03:56:00 +0000

Novated Car Leasing Myths

What is Novated Leasing?

A novated lease (colloquially know as ‘salary sacrificing’) is basically a three-way agreement between an employer, an employee and a finance company. The employee gives consent to “sacrifice” some pre-tax salary to pay for their vehicle. The employer agrees to make the payroll deduction on the employee’s behalf. The finance company sets up the deal and handles administration. If the package is structured intelligently, at the end of the term all the employee needs to do is hand the keys back and decide what car to buy next. Novated leases are a popular form of cost- and tax-advantaged car financing and the government estimated that there are approximately 320,000 drivers in Australia who are currently salary sacrificing a car.

“Even if you use your car exclusively for private purposes, the government gives you an 80% concession on the FBT. It’s a significant benefit,” explains Bill Baker from novatedleasing.com.au.

“When you purchase a car using a novated lease, you buy it essentially GST-free. The repayments come out of your pre-tax salary, which means that some of the funds you’d otherwise pay in tax help you pay for the car. It reduces your taxable income. The entire ownership cost – inclusive of insurance, registration, fuel and servicing, can even be wrapped up into the one consistent monthly payment.”

Novated leases are also an opportunity for employers to reward key employees – at next to no additional cost on the bottom line. Key employees have a huge impact on profitability, and novated leases represent a significant benefit to those employees – and at the same time all that’s really required to make them happen is appropriate paperwork and a monthly payroll deduction.

Myths About Novated Leasing

Nevertheless there are a few myths associated with novated leasing, as follows:

Myth: Novated leasing is an administrative nightmare

While some employers might perceive that novated leasing constitutes an administrative burden, this is not actually the case. In practice, financiers manage the admin. There is initial paperwork, but once a novated lease is in operation, there is just one monthly invoice to pay, which can be automated.

Myth: Novated leases are for business-use only

There is a lingering perception that novated leases can be arranged only for cars actually used in business, as a tool of the trade. In fact, using the vehicle 100% for personal use is absolutely within the scope of novated leasing acceptability. The government merely gives you a concession – effectively an 80% free kick on the FBT.

Myth: Novated leasing is for brand new vehicles only

It’s also commonly believed that novated leasing is available only on new vehicles. The truth of the matter is that some late-model used vehicles can be purchased with a novated lease, subject to acceptability criteria.

Myth: Employers are guarantors of novated leases

Who picks up the tab if the employee leaves the business? Simple: in this situation the employee remains responsible for making the payments. In other words, a novated lease is portable so it would belong to the employee. Novated lease cars are not “company” cars.

Original document published here.

My own review and journey with ACORNS

noreply@blogger.com (Unknown) — Mon, 24 Oct 2016 12:04:00 +0000

My own review and journey with ACORNS

Mindset:

to be able to save and invest into a diversified portfolios of ETFs with less requirements, with as little as $5 and less clicks from your mobile devices.

Requirements in account opening:

funding account (BSB and account number or user login)
spending account (optional only if you want to have the Roundups function for 'spare change' feature)
setting of a profile

Personal profile

full name
address
mobile number
email
PIN
Password
TFN (Can be supplied at a later date)

Financial profile (this will enable the app to choose the portfolio that is suitable for you)

employer
type of work (full-time or whatever)
approximate net wealth
investment time horizon
yearly income

I was able to open an account in less than 10min without providing documents. I made an initial contribution of at least $5.00 and have chosen 'moderately aggressive' portfolio (I can change this anytime as there are no switching fee)

They confirmed my account creation later on via email.

What I made as my initial funding account was my CBA account and using my user credentials such as login name and password.

I also setup initially as my spending account the same CBA account but this time, since I have several accounts, I chose my credit card.

Later on, out of curiosity, I tried to change my funding account to my Ubank Debit account (not the savers account) and have used the BSB and account number and not the Debit Card number. I decided to use this account since it has the 'sweep' mechanism where it will pull funds from the linked Usaver account. Also, for those that are familiar with UBank, even if overnight sweep is disabled (objective is to not maintain any amount in the Debit Account to maximise the interest on the Usaver account), the amount should be automatically debited from the linked Usaver account.

For the first 2 weeks, I tried and have successfully done the 3 different methods to fund my account:

Made credit card transactions and set up automatic roundups
Lumpsum deposits
Recurring deposits (Acorns have daily, weekly and monthly)

In addition, reading further about the PDS, below are the features and benefits.

The significant features of the Acorns Grow Australia Fund are:

Micro investing

Acorns is a micro-investing product designed to make investing and saving simple. Acorns is offered through a mobile or web-based App and you can apply for an Acorns Investment Account with just $5.00.

Investment Portfolios

You can choose a Portfolio into which your Acorns Investment Account will be invested. The Portfolios have been constructed by a team of financial industry experts, and a Nobel prize-winning economist. Each Portfolio is comprised of ETFs that are quoted on the ASX.

Interests in a Managed Investment Scheme

Your Acorns Investment Account is an interest in a registered managed investment scheme, being the Acorns Grow Australia Fund

Fractional investing

One of the key features of Acorns is the ability to allocate fractional interests in ETF Units to individual Investors. The Acorns system will facilitate the purchase of the relevant number of ETF Units required across the Fund, and allocate fractional interests in these ETF Units to individual Investors, corresponding to the amount of funds they have invested in their Selected Portfolios. The whole ETF Units themselves will be held in a pooled account with the Custodian on behalf of all Investors who have been allocated a fractional interest in that ETF Unit. Excess fractions will be held in a "house account" for and on behalf of Acorns Australia as principal. Fractional interests allow you to consistently invest funds (including your virtual spare change) as it becomes available, rather than having to wait until you have enough money to buy a complete ETF Unit.

Withdraw at any time

You can request a withdrawal of all or part of your investment from your Acorns Investment Account at any time. We will dispose of sufficient Investments in your Acorns Investment Account to pay the withdrawal proceeds in cash within 5 Business Days. There are no fees or penalties for cash withdrawals. Some withdrawal requests may be subject to rounding.

The significant benefits of the Acorns Grow Australia Fund are:

No switching fee

Acorns does not charge switching fees if you change your Selected Portfolio. So you can change Selected Portfolios without paying extra fees or brokerage (see Transaction Costs on page [xx] for an explanation of applicable buy/sell spreads).

No trading fees

Acorns does not charge fees for making contributions into or withdrawals from your Acorns Investment Account. Acorns also does not charge any brokerage, trading or transaction fees for purchasing the ETF Units that are allocated to individual investors.

Regular savings

Acorns is based on the principle that regular investment, even if in small amounts, can lead to large savings over time. You can contribute to your Acorns Investment Account frequently (at no additional cost) by enabling RoundUps, or by setting automatic recurring deposits. Small change can add up over time.

The Fund and the Portfolios

The Acorns portfolio is purposely simple: Your money gets spread among six basic index funds. The weighting in each fund depends on your risk profile, which you can dial up or down on your iPhone. More aggressive settings put more money in stocks. But you always have some money in each fund, remaining diversified among large and small company stocks, emerging markets, real estate, government and corporate bonds.

Acorns simplified the often tedious and complex process of investing. But that doesn’t mean the investment strategy is any less sophisticated. The portfolios were designed with help from Dr. Harry Markowitz, a Nobel Prize winning economist, who is commonly referred to as the father of modern portfolio theory

“Investing in a broadly diversified portfolio for the long term is the right choice for most people,” Dr. Markowitz said in a statement. “Acorns enables this to happen automatically in tiny increments with minimal cost. This has the potential to help people across all demographics.”

Start investing with Acorns today! Get $5 when you use my invite code:
app.acornsau.com.au/invite/XD8VBS

REFERENCES:

https://acornsau.com.au/product-disclosure-statement/

https://www.wired.com/2014/08/acorn-app/

Performance as of 22/April/2017

Novated Leasing: End Of Lease Options

noreply@blogger.com (Unknown) — Thu, 18 Aug 2016 13:15:00 +0000

END OF LEASE OPTIONS FOR YOUR VEHICLE

The options available to you at the end of the contracted term of your novated lease are:

1. Offer to purchase the vehicle for the residual value inclusive of GST

2. Trade-in the vehicle with a dealer who will pay out the residual value inclusive of GST any surplus funds in excess of this amount are retained by you

3. Arrange to lease the vehicle for a further period of time

Here is an example document from a know company

TRC Stocks Update - August 24, 2018

noreply@blogger.com (Unknown) — Mon, 15 Aug 2016 11:35:00 +0000

TRC Stocks Update - August 24, 2018

TRC Stock Updates Main Page

Scam Warning by Australian Department of Immigration and Border Protection

noreply@blogger.com (Unknown) — Sun, 14 Aug 2016 08:06:00 +0000

We are aware that some ETA (Electronic Travel Authority) applicants have used a scam site claiming to be the Department of Immigration and Border Protection. Please ensure you always use our official site when applying for your ETA: www.eta.immi.gov.au

- Australian Department of Immigration and Border Protection

WORLDREMIT Promo Code - Save some Money and do not pay for the Transfer Fee

noreply@blogger.com (Unknown) — Mon, 08 Aug 2016 02:08:00 +0000

Did you know that you can save some money and end up not paying the transfer fee?

Here's how (2 Ways):

I will not send money via iRemit Direct Online (iDOL) anymore

1. Zero Fees on Your 1st Money Transfer.

Select your destination on the left to get started and use promotion code FREE on the payment page for your LIMITED time first free transfer

2. But how about in your succeeding transactions?

If Worldremit has ongoing promotions, you can take advantage of the chat support by clicking "click for live chat".

From there, you can request the chat support agent for the ongoing promotions and he/she will provie you with the promo code. From my experience, the promo code I used that time allowed me to save from paying the fees.

Earn $50 by Sending Money through OrbitRemit

OrbitRemit Cuts Fees to $4

A Pinay nabs silver, first PH Olympic medal in 20 years

noreply@blogger.com (Unknown) — Sun, 07 Aug 2016 23:46:00 +0000

Photograb from Rappler

MANILA, Philippines – On Sunday, August 7, a rainy Monday morning in Manila, August 8, while most of the Philippines was fast asleep, Hidilyn Diaz proudly climbed up the podium to receive her shining silver medal.

On her third – and possibly her last - run at the Olympics, the 25-year-old Diaz was ready, focused, determined, but also calm. She was learned and more mature. So much so that even before reaching Rio, Diaz was already at peace with whatever fate awaited her Rio de Janeiro, Brazil.

Her wisdom and composure shined when she climbed out of 6th place in the snatch lift, and performed smoothly during the clean and jerk.

A bronze was expected after her second lift, but after China failed to record a lift in the clean and jerk, the door became wide open for Diaz to climb a spot higher at the podium.

After her first clean and jerk lift, Diaz was smiling ear to ear. After her second lift, Diaz went straight over to hug her coach, Alfonsito Aldanete. And when all was said and done, Diaz, a child of Zamboanga City, was in tears.

She changed her life after a rough year in 2014 as she grew wiser and more disciplined, giving up fast food, and finally taking up the habit of stretching after training.

This was Diaz's third Olympic participation, but it was one of many historic firsts.

Diaz is the first Filipino to win an Olympic medal since 1996, the first Filipino to medal in Olympic weightlifting, the first Filipina to earn an Olympic medal, the first non-boxer to medal for the country since 1936, and the first Olympic medalist from Mindanao.

On Sunday, August 7, a rainy Monday morning in Manila, August 8, when most of her compatriots were fast asleep, Hidilyn Diaz's name was called in Rio de Janeiro, Brazil.

She won the silver medal. She won an Olympic medal, finally. With that, she took one proud step up the podium, and raised both arms high up in the air. She looked like she could have been standing on a cloud.

Source Rappler

OrbitRemit has Cut Australian Fees to $4

noreply@blogger.com (Unknown) — Sun, 17 Jul 2016 09:26:00 +0000

OrbitRemit has Cut Australian Fees to $4

Open an account with OrbitRemit

I will not send money via iRemit Direct Online (iDOL) anymore

Earn $50 by Sending Money through OrbitRemit

Novated Lease Early Termination / Payout Schedule Calculator

noreply@blogger.com (Unknown) — Wed, 13 Jul 2016 04:36:00 +0000

The following excel sheet may also be useful to get a glimpse of your payout schedule each month as well as the amount should you wish to early terminate your lease. Please note though that this is only for comparison. The formula's used in this file may be different from that of your novated leasing company.

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CALCULATOR - Early Termination / Payout Schedule

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Novated Lease Calculator - UPDATED!

noreply@blogger.com (Unknown) — Wed, 13 Jul 2016 04:35:00 +0000

DOWNLOAD -> CALCULATOR: Novated Lease vs Car Loan vs Cash Purchase

You can download and share this article and please don't forget to hit the like button as well.

Enjoy shopping for your new car!

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DISCLAIMER:

The information in this website and the links provided are for general information only and should not be taken as constituting professional advice from the website owner

The calculators and tools on this website are provided for your information and to illustrate scenarios. The results should not be taken as a substitute for professional advice.

All reasonable care has been taken in preparing and designing the calculators and tools; however, ASIC provides no warranties and makes no representation that the information provided by the calculators and tools is appropriate for your particular circumstances or indicates you should follow a particular course of action.

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Early Termination / Payout Schedule

Allianz 600 Visa Health Insurance Premium Decrease

noreply@blogger.com (Unknown) — Thu, 21 May 2015 12:19:00 +0000

I got an email from Allianz Global Assistance saying that they have decreased their premium on the 600 Visa Health Insurance (Couple - OVHC Budget Visitors) .

Prior to 1 May, the premium of my parents-in-law is $96.12 per fortnight. But beginning 1 May, the premium will be reduced to $86.50 per fortnight, giving us a saving of $9.62. Not bad!