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.
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 $100 cash by using this link.
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 $100 cash by using this link.
Thursday, May 26, 2016
ING Orange Everyday and get $75
Transperth was the first company to introduce Perth people to the concept of tap-and-go with the SmartRiders. Now, that technology is available in most debit and credit cards.
Some places that are getting or have already installed PayWave include
By now you will also know that paypass is used everywhere, some of which are called paypass, others called paywave. Paypass locations can be found here. If you got the ING Orange card, let us know your favourite stores that have Paywave/Paypass in the comments below, especially those little Perth favourites.
Also, once you open an Orange Everyday account, you can also activate a Savings Maximiser account with little fuss. This gives you 3.0% interest which, if you are saving for a home loan, can give you much more than you're probably getting with other banks. If you are saving $150,000, 3% is equal to $4,500 every year!
OFFER: Follow this link and send this link to friends to get $75 cashback
- The account costs nothing to run or open
- Withdrawals from this account from any ATM over $200, ING will credit you $0.50.
- Free ATM withdrawals - When you get charged an ATM fee (around $2.50) you will get it credited back to your account if you deposited $1000 or more to your account last month.
Some places that are getting or have already installed PayWave include
- IGA, Coles, Woolworths, BWS
- McDonald's, Red Rooster, Sumo Salad, Grilld, Pastacup,
- Bunnings Warehouse.
- Caltex/Woolworths
- Typo, The Body Shop, Cotton On
- JB Hi-Fi
- Dan Murphy's
- Cabcharge
- Event Cinemas
Also, once you open an Orange Everyday account, you can also activate a Savings Maximiser account with little fuss. This gives you 3.0% interest which, if you are saving for a home loan, can give you much more than you're probably getting with other banks. If you are saving $150,000, 3% is equal to $4,500 every year!
OFFER: Follow this link and send this link to friends to get $75 cashback
Monday, April 18, 2016
Why you should compare SGIO v RAC
I received a letter in the mail today which suggested that SGIO offers the cheaper insurance compared to their competitors. They offered a $50 gift card if they are not cheaper. Many people will take this as a suggestion that they can't be beaten but a quick comparison with RAC of car insurance for my car resulted in proof that should get me a $50 gift card. Check out www.sgio.com.au/cheaper for details. The only condition is that you have a renewal notice from a competitor showing a cheaper renewal than with SGIO - take a photo and send it in to SGIOthankyou@iag.com.au.
One thing we've come to realise over the years is that it doesn't pay to be loyal to an insurance company but SGIO is very good at suggesting to their loyal customers that they are being rewarded for their 15 years of loyalty. Our suggestion would be that you should always check with a competitor even if you have been a "loyal" customer for years. Recently, someone we know switched from SGIO and saved hundreds by switching their home and contents as well as comprehensive car insurance to RAC. Let us know how your comparisons go and perhaps you can get yourself a $50 gift card.
Edit: The offer is no longer available
One thing we've come to realise over the years is that it doesn't pay to be loyal to an insurance company but SGIO is very good at suggesting to their loyal customers that they are being rewarded for their 15 years of loyalty. Our suggestion would be that you should always check with a competitor even if you have been a "loyal" customer for years. Recently, someone we know switched from SGIO and saved hundreds by switching their home and contents as well as comprehensive car insurance to RAC. Let us know how your comparisons go and perhaps you can get yourself a $50 gift card.
Edit: The offer is no longer available
Monday, April 11, 2016
ANZ Black Qantas Card free first year
Normally $425, you can get the ANZ AMEX Black card now for free. This card has two passes to the Qantas club when you are flying with Qantas. It also comes with a sign up bonus of 75,000 points if you spend $2,500 in the first three months. As many would know, Qantas points are getting hard to earn with many cards offering poor returns. This card gets 1.5 Qantas points per dollar spent on the AMEX card, and 0.75 points when using the Visa option.
Friday, April 8, 2016
$195 AMEX Edge gets 15,000 points + free flight
As far as we know, the AMEX Platinum Edge card is the most generous card when it comes to perks particularly for us who live in Perth. Now, they are waiving their annual fee for the first year and you still get to redeem a free flight from day 1.
The free return flight is to practically any city in Australia and includes 23 kg of baggage, flying Singapore Airlines' partner Virgin Australia which includes a hot meal as well. And the best thing? Booking a flight each year is easy, even during peak periods where your return flight to Sydney could cost upwards of $750 - it will be free. Also if you can't use the free flight, you can call up and book for someone else. Some even sell the free flight online to strangers to make a quick couple of hundred dollars.
The free return flight is to practically any city in Australia and includes 23 kg of baggage, flying Singapore Airlines' partner Virgin Australia which includes a hot meal as well. And the best thing? Booking a flight each year is easy, even during peak periods where your return flight to Sydney could cost upwards of $750 - it will be free. Also if you can't use the free flight, you can call up and book for someone else. Some even sell the free flight online to strangers to make a quick couple of hundred dollars.
They are also offering 15,000 bonus points (worth $100 in gift cards) to go with your free flight from Perth to practically anywhere in Australia.
I've had this card and even paying $195 per year, it is a very worthwhile card to have even just for the free flight. While the offer is still available, you can sign up here.
I've had this card and even paying $195 per year, it is a very worthwhile card to have even just for the free flight. While the offer is still available, you can sign up here.
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