If you are looking into bank loans you probably wonder which parts of your income will be considered. For the lender, assessing the amount of money that each borrower earns can be tricky. They want to be able to give you a mortgage, but they also do not want to take too much of a risk. Borrowers who have a significant part of their income coming from bonuses face a unique situation because that added amount could greatly impact the amount of money they can get as well as the terms of their… Continue
Added by William Eve on January 25, 2011 at 10:30 —
well if you have lost super funds, you can locate them for free on the ATO websitewww.ato.gov.au
- locate the super seeker site and have you details ready
Added by rob joseph on August 3, 2010 at 23:00 —
Have been putting this blog together over the past 12 Months. I hope it can assist fellow Members
Added by paul on August 2, 2010 at 17:32 —
There’s been a lot of talk in the media, in both news reports and opinion pieces, about people in the western world changing their consumption habits in response to the huge upheaval
in the global economy.
Added by rosamond on July 6, 2009 at 11:01 —
"It’s tougher than ever to plan your finances. But it’s also easier than ever to find help on the cheap.
There are a host of Web sites that help you lay out a budget and track your spending and investments. Some let you set up a plan for a long-term goal, like college or retirement, and others offer advice about where to put your money. And many of these services are free of charge.
Billeo is one of the best sites and offers a Bill Pay Assistant, A Shopping Assistant and a… Continue
Added by steve on June 17, 2009 at 5:30 —
Before the financial crisis hit, I had no idea of the depth of global debt. I had a nagging feeling there was a major disconnect between the extent of production and development and how this was to be paid for. The best example of this was Dubai. I could never get my head around its economy - until now. I was traveling in Eastern Europe when the first rumblings occurred - the housing finance crisis in the USA. Unfortunately, because of where I was I didn't get much news and didn't pay it much… Continue
Added by Christopher Chambers on June 3, 2009 at 13:02 —
Hi all :)
I was recently made redundant at work, as I know many people have been lately and I am sure many are yet to be. Being motivated, I'm not sitting around doing nothing and have been to many interviews, had a few trial days and am about ot start some casual work as well. I want to send some encouraging words to others out there who are in the same boat to not lose hope!
My question is in regard to a vehicle I have leased in my name that I had only as a requirement… Continue
Added by Brad Kendrick on May 2, 2009 at 22:31 —
I am always hearing how expensive kids are. Folk often proclaim that they would love to have kids but they ‘can’t afford to’. Personally, I think bigger issues to consider are ‘I’d rather not give birth/change nappies/become a sleep-deprived zombie who can’t go out at night for fear of being referred to as a ‘bad parent’. However, from my meagre experience with kids (a few brief encounters with cousins’ babies and the like) I understand that these issues fade into the background because of… Continue
Added by rosamond on March 23, 2009 at 15:46 —
You can also read this on my blog at moneysaver.com.au
After many years of over-spending – while suffering from conditions I like to call ‘obsessive fashion coveting’ and ‘a penchant for vodka & dry’ – I think I’ve got an idea about what makes my fortnightly pay packet disappear in less than three days. In fact, I think I have identified ten emotions - so far - that make me (and others, I’m sure) fling my cash around as… Continue
Added by rosamond on March 4, 2009 at 15:30 —
I have begun paper trading, training myself to win the stock market game before I invest real cash, with a goal of earning my primary income from daily trading.
I am wondering how many other paper traders we have here?
Also, I have some questions about trading, for example:
How do I know the stock price has changed without waiting for finance.yahoo.com? Can I know right away so I can sell right away if need be?
How do I pay the… Continue
Added by Mrs. C. Jarvie on December 3, 2008 at 22:02 —
This comment from MoneyMagnet;
'The sun will rise and the earth will turn regardless of the state of any economy.' is a worry in itself......
Unfortunately I don't
think so if the whole world doesn't make an effort
in some small or large part whatever any individual or group can do will help as long as we all make an effort. You know I watched a doco on TV a while back about the ocean's east west conveyor as I remember it was called. It said that it had… Continue
Added by Honour on November 18, 2008 at 18:07 —
I've been reading alot of American websites posted on the internet about their economic position and I believe the world is coming to ruin - I have read a book and researched pages. And frankly I am scared! This is the website for the U.S NATIONAL DEBT.
Some people believe that the U.S. is in such a financial mess that their dollar will shortly collapse. See
The media tells us not to… Continue
Added by Georgina on September 24, 2008 at 23:36 —
If a novice investor with a spreadsheet can see that a company has screwed shareholders, why can't institutions.
Why can't management see the same issues when they have all the financial data right before their eyes?
Looking at the old Oxiana and Zinifex as the new OZ Minerals, I plugged in some numbers to see what the financials would turn out like.
What was supposed to be a stellar year for Oxiana with copper trading at $3.50 or above for most of it has seen it's share… Continue
Added by bvbfan on September 6, 2008 at 3:13 —
Some may have noticed I have been missing in action, due to cervical spine surgery. I came home on Sunday, thanks to my 2 eldest daughters who are here for a week from Thursday Island.
It is times like this you realise what living on your own is like, tonight I wanted to cook a roast for the girls. I am not allowed to lift anything over 1kg for next 6 weeks nor am I allowed to drive and lots of other things.
Needless to say the roast was over 1 kg but I… Continue
Added by colleen curran on August 12, 2008 at 19:36 —
There is a lot of talk about the price of fuel recently and that with the price of oil dropping, fuel will come down in tandem.
The bad news is that oil is priced in $US so the best way to get a reasonable ideaof the "REAL" price of oil I divide the price of oil by the exchange rate. Example is oil $135 per barrel exchange rate .96 gives gives 140.6. Now oil is 115.2 and the exchange is .886 giving 130. So in percentage we have had a 7.5% drop not the 14.7% that… Continue
Added by Bandwidth on August 11, 2008 at 10:15 —
I'm sure this should feel better than it does - but I got my tax return yesterday. My usual M.O. at this time is to take my partner somewhere expensive for dinner and blow the rest on something amazing to wear with new shoes, handbag and make up to match (like I don't already have too many clothes shoes and handbags to know what to do with and more makeup than a drag queen).
But I took a deep breath, screwed up my face tight and put all but $100 on my credit card debt. I figured if I… Continue
Added by Spoiltgirl on August 8, 2008 at 10:26 —
A number of people seem to be having the same problem I am having where the browser windows crashes after submitting a post and coming back to the same post.
I find if I close all FatCat windows then delete the interent history it fixes the problem, at least until I post again.
Added by Bandwidth on August 8, 2008 at 10:09 —
I see a number of people have been burnt in the share market.
As a person who has been trading the share market for a number of years I thought I would pass on some of my lessons
Up until 4 years I was, at best, breaking even in the share market, I would get highly emotional in the ups and downs. I would hold on to position and hope they would go back up so I could at least break even and then sell when the emotional pressure got to much. When a share… Continue
Added by Bandwidth on August 4, 2008 at 21:38 —
I have come across a podcast of a weekly radio show in th US - Sound Investing
. It is published by FundAdvice.com
, and involves three commentators - Paul Merriman, Tom Cock and Don McDonald sharing their insights into all things relating to investing.
In the latest edition the hosts look at why bear markets don't matter, the myth that bear markets are rare and how a 2nd grader… Continue
Added by Scott Keefer on August 2, 2008 at 12:15 —
I will preface this with two disclaimers – One: I adore my parents and they have given me so many tangible and intangible things in life that I could not possibly be the happy, successful (well, apart from in the money management department!) person that I am today without them. Two: I believe once you’re a great big grown up, unless there is terrible trauma or abuse in your childhood, you can’t go around blaming it for who you are.
But gee they were rubbish at teaching me anything… Continue
Added by Spoiltgirl on July 29, 2008 at 16:33 —