For those in Perth always looking for a better, faster, cheaper way

Thursday, August 4, 2016

Where to get the cheapest REVScheck on a car? Not CarHistory

Thanks to the TV show The Checkout on ABC Thursday nights, they had this big tip last week which we believe needs to be embedded on the internet and shared to everyone you know. It is regarding the REVS check which is now not even called that. There are companies such as Car History that repackage the PPSR government report and sell them at ten times the price to you! Sure they add to the report a few interesting things you can find out online for free about the model of your car (eg average odometer reading etc). One thing that CarHistory supposedly offered was a report on insurance claims. Interestingly, when we bought a report, it did not show the insurance claims we made on the car.. not sure why?

But if you are just wanting to find out if your car has been written off, stolen, encumbered with any finance company, you don't need to pay $36. But why wouldn't you trust a website like CarHistory? After all, RAC, the "consumer advocate", and your friendly insurance company, sells Car History reports on their online shop. They even give you $10 off. Unfortunately, as we also learnt, you can actually get the PPSR report for only $3.40 by buying the report directly from the Government website https://www.ppsr.gov.au (not ppsr.com.au, another company reselling these at a premium!). Yeah, $3.40 - less than the coffee you got this morning in Perth. This is worth letting your friends know, we reckon.

Here's the segment from The Checkout - skip to 1:15.

Tuesday, July 12, 2016

Cheapest University and School Text Books in Perth

Book stores have been closing down around Perth so there is no surprise that the cheapest place to get your text books is online. If you want to compare the price of your text books from Perth book stores to that of an online store which offers free delivery, click here and let us know what the price difference was for you or just head directly to Book Depository.

How Long Do Bank Transfers Take?

Many people don't know how long it takes to send money from one account to another. Technologically, it is possible for bank transfers to be completed instantly, however, many banks would rather hold your money "in transit" for a little longer to earn daily interest.

The answer to how long it takes really depends on the bank. ING Direct has become our preferred bank account for everyday transactions because it offers instant transfers between your own accounts as well as transfers to other ING Direct customers. Commonwealth Bank also offers this. The mystery about how long each bank takes for the money to reach the recipient has sometimes been revealed. For example, on the Bankwest website, they have provided a table below showing the delays.

Payment scenario Payment types Cut-off time  Funds available in recipient's account
 (AWST)*
Transfer money between your Bankwest accounts Internal Transfer, Linked Account transfer 8:00pm Immediately
Make a credit card or loan repayment between your Bankwest accounts Internal Transfer, Linked Account transfer 8:00pm Immediately
Send money to another Bankwest account Pay AnyBody 8:00pm Same business day
Transfer money between your linked account at another bank Linked Account Transfer 3:00pm Within 3 business days
Send money to an account at another Australian bank Pay AnyBody 3:00pm Within 3 business days
Pay your bills via BPAY® BPAY 4:00pm^ Within 3 business days
Send money overseas International Transfer 5:00pm 3 – 5 business days

How good is your bank with unnecessary delays when it comes to bank transfers? If you want to sign up to the free ING Direct Orange account, get $75 cash by using this link.