August 12, 2014

10 Tips to Make the Most of Your Credit Card

tips for using your credit card

Credit cards are a very useful financial tool by giving you the flexibility to conveniently pay for things without having the cash on you. Of course, a debit card can do that too but a credit card enables you to spread the cost of big-ticket purchases over a longer span of time and even out your cash flow from month to month.
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May 22, 2014

11 Questions with Chris Guillebeau

Chris Guillebeau

Chris Guillebeau. Travel hacker, credit card churner, writer, entrepreneur & all-round good guy.

If you are into travel hacking, then you’ve probably heard of Chris Guillebeau before. If you haven’t, you’re in for a treat. Chris is seriously talented at earning frequent flyer points and knows how to get the most value out of them. If you follow him on Twitter (you should), you’ll see that he walks the walk too: he has visited every country in the world and barely spends more than a month in one place. We caught up with him just before he set off on another round-the-world trip, booked with frequent flyer points. Enjoy!
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May 19, 2014

Who Really Owns the Big Four Banks?

Who owns the Big 4 banks?

In response to concerns over how our financial institutions operate, we recently launched a piece of research on the issue of bank ownership in Australia. Often consumers who choose to bank with smaller, more independent banks may, in fact, be banking with one of the ‘Big Four’. The following examination of who owns the big four (ANZ, Commonwealth Bank, NAB and Westpac) is the logical follow-on from that initial investigation.

Australia’s big four are not merely big, they’re massive. Humongous. Their combined assets in 2013 stood at $2.86 trillion—or roughly twice the size of Australia’s national income.
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October 17, 2013

Interview with Steve Hui from iFlyflat

Interview with Steve-Hui of iFlyflat.com.au

Steve Hui runs iFlyFlat.com.au. What he doesn’t know about frequent flyer points probably isn’t worth knowing.

Ever wondered how to fly first class? To find out, I sat down for a coffee to interview frequent flyer points expert, Steve Hui of iFLYflat. In this interview I ask Steve about his unique perspective on travelling in style using frequent flyer points.

Q: Tell us a bit about yourself and why you decided to start iFlyflat

iFLYflat was started from my frustration of hearing stories about people redeeming their hard earned points for normal everyday products.
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August 12, 2013

What Does a Financial Plan Include?

Financial Planning

A financial plan is used to analyse your financial situation, as well as your goals, and from that information, address areas that could be improved. It can help in many situations, especially for those looking to take the next step in their life, such as getting married, purchasing a home, having children or retiring.
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August 5, 2013

Deciding Your Financial Goals

Financial Planning

People often turn to a financial planner to help simplify their finances and set achievable financial goals, providing greater confidence to plan for their future. These include such things as budgeting, cash flow management, savings plan, superannuation, tax planning, home loan repayments, debt management and reduction, children’s education, insurance, investments and retirement.
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August 1, 2013

Community CPS Reinvents Itself

As of this morning, Community CPS Australia, one of the nation’s thee largest credit unions with over $4 billion in assets, has become a mutual bank and changed its name to Beyond Bank Australia. We spoke with Chief Executive Officer Robert Keogh to find out what prompted the change for the institution, what it means for its 200,000 existing credit customers, and what it hopes to accomplish in this reincarnation.

Beyond Bank's new website.

Beyond Bank’s new website.


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July 30, 2013

Why Use a Financial Planner?

Financial Planning

Planning for your future is important, especially with regard to your finances. Each stage of your life will require different money management. Whether you’re looking to buy your first home or planning for retirement, a financial planner acts as your ‘finance coach’, helping you reach your goals & ensure that you and your family have financial protection. Importantly, financial planners exist to help change clients lives for the better and they undergo rigorous training and education to ensure they can deliver this.
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