个人理财今日: 21|主题: 12419

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有人用国内的余额宝，微信理财通之类的产品吗？最后跟贴： hhhttt 发表于 2014-2-21 09:41 有木有转出转入手续费? mei you 最后发表：arlernss	hhhttt 2014-2-20 18:43	111313	arlernss 2014-2-21 09:46
海外网购支付Currency是AUD，哪些卡可不付手续费还可积分。最后跟贴：本帖最后由 Flagship 于 2014-2-20 16:04 编辑神卡如下但无积分： Bankwest zero，无论何种Currency都无手续费，但也无积分。 28度卡，无论何种Currency都无手续费，无积分是否有信用卡无海外手续费还有积分。付款币种是AUD. 最后发表：Flagship	Flagship 2014-2-20 12:26	0922	Flagship 2014-2-20 12:26
nab信用卡第一次让还钱是什么时候？是44天还是14天以后？最后跟贴：interent banking, > statement 要注意statement 上的还款日期。statement可以发信到家，或在internet banking 上直接看。最后发表：lucyliu8472	xiaowu11812 2013-9-2 14:55	203095	lucyliu8472 2014-2-20 10:01
什么时候申请信用卡合适？最后跟贴：最好settle后，好比你贷款400K，又突然搞个20K的信用卡，等于你的负债突然增了，万一银行重新看你service ability就很讨厌了最后发表：肉黄鸡	Chioz 2014-2-17 21:49	51036	肉黄鸡 2014-2-19 21:03
个人支票最后跟贴：支票如果是开现金的需要再多个签名的最后发表：肉黄鸡	quxinyan 2014-2-18 12:51	51144	肉黄鸡 2014-2-19 20:56
ST GEORGE 白金VISA卡收取3%海外支付手续费最后跟贴：今天受到信, 说从三月一号起, 凡是支付到澳大利亚以外的商家的交易,要收取3%手续费,(OVERSEAS　ＴＲＡＮＳＡＴＩＯＮFEE). 各位有此信用卡的有受到这样的通知吗? 着意味着网购国外或是到国外旅行使用将要支付这个费用. 是不是政府要收取来压制海外消费? 最后发表：Jovani	Jovani 2014-2-19 19:31	01189	Jovani 2014-2-19 19:31
请申请了CitiBank的黑卡的兄弟进来看看最后跟贴： huazhb 发表于 2014-2-19 15:02 兄弟，谢谢你的忠告，能不能再说的详细一点呢？ http://www.oursteps.com.au/bbs/forum.php?mod=viewthread&tid=806093&page=2#pid16541558 45楼正解。最后发表：encoding	huazhb 2014-2-18 16:19	141608	encoding 2014-2-19 15:19
问一个CBA转账到新账户的问题，急啊！最后跟贴：Telephone banking，或者联系CBA，(China 00 800 3368 8866 or +61 2 9999 3283) 最后发表：四不象	奔跑在澳洲 2014-2-18 21:51	11164	四不象 2014-2-19 08:14
null null null 最后跟贴：唯一美中不足的一个小瑕疵是每月需存2000块才能免月费最后发表：bio	M27 2014-2-17 22:05	231993	bio 2014-2-18 23:46
请问用amp 的super 换老板最后跟贴： rohin1111 发表于 2014-1-29 14:17 网上注册10分钟搞定，不过我用的是REST, AMP应该也差不多把没多钱直接开了commonbank super rollover 过来了呵呵谢谢最后发表：ll1987	ll1987 2014-1-27 08:52	31253	ll1987 2014-2-18 20:35
请问CE MONEY 的ＧＯＭＡＳＴＥＲ　信用卡如何最后跟贴：小声提醒LZ，麻烦把标题更正一下，GE Money不是CE Money。CE Money真没有。最后发表：四不象	yangwulong1978 2014-2-15 20:05	41098	四不象 2014-2-18 10:17
请教有关David Jones American Express Credit Card 最后跟贴：谢谢给我加分，WWS, Coles，加油站的地方刷是3倍积分。还有可以还换很多地方的消费卡，Coles Group and Myer之类的都是13500分换100元。最后发表：小北极熊	KEVINQ 2014-2-17 14:51	31198	小北极熊 2014-2-17 15:59
有没必要退掉28°卡，去办一张花旗plus卡？？最后跟贴：谢谢分享最后发表：lengtianyx ...2	ewanka 2014-2-4 23:42	404142	lengtianyx 2014-2-16 18:18
唉，网络银行转账之后发现帐号错了，咋么办呢？最后跟贴： qlxy 发表于 2014-2-16 13:26 这边银行真懒，既然户名不需要核对，为啥要客户写呢？国内银行是账号和户名必须一致才能入账。这点看来国内 ... 国内银行的手续与澳洲相比实在太太太繁琐了，但的确保护了储户利益。最后发表：ItsThere	ItsThere 2014-2-16 10:44	219756	ItsThere 2014-2-16 12:57
关于银行卡，夫妻联名和分开账户哪个更好？最后跟贴：最后发表：danny01	danny01 2013-6-29 22:27	263673	danny01 2014-2-16 00:13
这个东西值钱不？大明陈化年制的瓷器。最后跟贴：挺好看最后发表：sche7172 ...2	pink_maomao 2014-2-14 23:07	584079	sche7172 2014-2-15 23:24
ING Orange Everyday 海外消费需要额外付款吗？最后跟贴： agrinmote 发表于 2014-2-15 11:45 恩，我是这么理解，就是不知道海外刷卡买东西要不要另外收费。就是汇率转换手续费啊，好像2%还是2.5%，总之量很小的如果不介意的话最后发表：NEOTITA	agrinmote 2014-2-15 10:37	31383	NEOTITA 2014-2-15 21:31
准备去美国旅行，在联通换了一些现金，想问澳洲有没有银行可以把这笔现金存进去，然后可以用来在美国消费最后跟贴：试试ANZ的Travel Card https://www.anztravelcard.com/ 最后发表：qldsparky	superbeibei 2014-2-7 09:40	151573	qldsparky 2014-2-15 12:23
SMSF买房会划算吗？谢谢大家。最后跟贴：爱米的妈发表于 2014-2-14 22:11 smsf可以贷到75％－80%吧？NAB可以贷到至少75%好像这个真不清楚，我自己没有做过贷款研究，最近帮一客户弄smsf的时候他跟我说的，他刚在smsf里买了个房子，他自己本身是房产中介。有些银行或基金愿意多贷但有其它的restrictions. 另外，要衡量smsf的还贷努力，它还不上的你贴进去的都有可能算作super contribution，使用了caps. 也不一定是贷越多越好。最后发表：emptie	爱米的妈 2014-2-8 08:39	212893	emptie 2014-2-14 21:39
国内带来的汇票存哪家银行不收手续费啊？最后跟贴：都不收最后发表：霸气不足	ATO 2014-2-13 15:34	31148	霸气不足 2014-2-14 20:36
Citi BT要付最低repayment吗？最后跟贴：要的。一直在付呢。最后发表：jiaxipan ...2	mightyview 2013-12-4 17:26	363607	jiaxipan 2014-2-14 16:58
貌似神卡以后取现要收手续费了最后跟贴：28早就不神了，现在第一神卡是ING 最后发表：harleyz	xiaoyuanshan 2013-10-7 21:20	161662	harleyz 2014-2-14 10:35
有人用微信的理财通吗？最后跟贴：怎样在澳洲使用中国的手机号呢？最后发表：爱疯	ewanka 2014-2-9 17:37	21090	爱疯 2014-2-14 06:16
算算你退休时SUPER够用吗？最后跟贴：findyourfuturecalculator.com.au 算算你退休时SUPER够用吗？简单计算的网站，还可以加上career breaks和additional contributions的设置。最后发表：SesameSeed	SesameSeed 2014-2-13 14:47	01116	SesameSeed 2014-2-13 14:47
westpac黑卡如何快速积分啊？最后跟贴：黑了westpac的网站, 把积分修改了!!! 最后发表：panadol89	ozsuccess 2014-2-13 08:07	91694	panadol89 2014-2-13 10:45
接到Nab的奇怪电话，说美国有人刷我的卡。最后跟贴：怎么都是nab被盗刷？最后发表：rh11	野心男人 2013-7-15 20:46	171994	rh11 2014-2-12 22:16
四大银行到底谁最大啊？最后跟贴：对retail bank来说，CBA一直都遥遥领先其他几个。主要是因为它出身好，CBA的前生是国有银行，后来才股份制的。而其他3个都是从小信用社，小银行，慢慢成长起来的。如果比较核心业务的话，CBA大多都是第一，而且数据超第二位很多。我觉得CBA比较稳，几个重大转型前几年都完成了，感觉挺放心的。NAB去年在英国亏的太多，而且由于home loan的rate太低，不赚钱，估计今年会挺紧张的。ANZ亚洲的业务做的很好，澳洲市场相对不是很好。Westpac有潜力，但是得看它能不能完全把St George 给消化了。最后发表：大大海	Farmerchris 2014-2-5 14:31	121606	大大海 2014-2-12 22:12
SMSF可以和手里的现金一起用来买房吗？最后跟贴： jeff_lawsons 发表于 2014-2-12 21:21 给你出个主意，没有nominee 应该也没有关系。 set up一个bare trust，你自己作为bare trust的trustee， ... 个人做TRUSTEE.贷款和其他很多问题会出来将来下面转帖一下。大家一起讨论 3. Who can/should be the bare trustee? 3.1 A Bare Trustee can be anyone except the Super Fund trustee. This is because a trust relationship does not come into existence where the trustee is holding the trust property for itself. 3.2 Although there is nothing legally wrong with having individuals as the Bare Trustee our view is that it is strongly preferable to have a corporate Bare Trustee in place so that any deaths or movements in underlying membership of the fund will not affect the Bare Trustee’s property holdings. 3.3 For example, a death of an individual Bare Trustee will require at least the following action to be taken: · attend to grant of probate of deceased trustee; · appointment of new trustee · arrange for transfer of title to new trustee; · stamping Transfer (including proving to the Office of State Revenue why the transfer shouldn’t attract full duty); · registration of transfer 3.4 Furthermore if the individual appointed as a Bare Trustee happens to be a member of the Super Fund who wishes to exit from the fund as a member, due to, say, a divorce in the family, then again the trustees will face similar administrative difficulties. 3.5 Some lenders require a corporate Bare Trustee (such as Westpac). In most cases banks will want to have a look at the Bare Trust deed for the purpose of granting the loan approval. 3.6 The use of individual Bare Trustees is similarly unwise because those same individuals will in most cases be the members of the Super Fund and it is very easy to get the records mixed up ensuing a higher likelihood of a merger of the interest of the trustee and the interest of the beneficiary. 3.7 For example, Mary and John are the trustees of M J Superannuation Fund. John runs a small bakery in an arcade. They wish to purchase a commercial property through their Super Fund by borrowing funds from a bank. John and Mary decide that setting up a company is too much hassle and fear that they may lose the property unless they act quickly. They decide to have John to act as the Bare Trustee. The loan gets approved and the contract exchanged and settled. Thereafter, John’s bakery doesn’t do so well and John faces bankruptcy charges. John hasn’t been very prudent in record keeping and the creditors soon find out that he owns a commercial property under his name. John is unable to prove that his ownership in the commercial property is as the Bare Trustee of the Super Fund. Consequently, the ATO treats the property as John’s and the Super Fund misses out on the Super Fund altogether. The ATO then levies tax on the property at individual rates and the loan could be characterised as unauthorised loan, rendering the Super Fund non-complying. 3.8 If, however, the Bare Trustee is a company then if one of the individuals associated with the Super Fund dies, becomes bankrupt or leaves the Super Fund then all that the Super Fund has to do is simply transfer or buy back the shares from the departing individual to someone else, requiring no need to attend to any of the aforementioned steps. 3.9 Our recommendation is to make the Bare Trustee a company and have its sole role as being security trustee for the property, then there is no question of anything outside being attacked. 最后发表：LENNY_DONG	lingyang 2014-2-4 22:09	141705	LENNY_DONG 2014-2-12 21:34
westpac信用卡积分还没消费赶紧了，2月开始换gift card所需的积分要增加10%（推荐换westfield gc) 最后跟贴：我今天把收到的westfield gift card 给花了在任意的wws 都能消费的最后发表：mangoibaby ...2 3 4 5 6	linxinkai 2014-1-11 21:18	15613243	mangoibaby 2014-2-12 21:06
俺是收款方，但拿到的支票上收款人多了一个字母，咋办？最后跟贴：先去银行试试。每家银行都不一样的。如果你是经常收支票的生意账户，字母多一字，或少一字，关系不大的。最后发表：中农	half-understand 2013-7-18 07:27	121816	中农 2014-2-12 15:20
请问国内换汇的5万美元的额度是只限制“换”，还是“换”和“汇”都限制最后跟贴：我家打算去中行汇，说汇款的限额根据汇款理由的不同也是不同的留学的限额5万美元，旅游的限额3万美元不知道这些理由是不是可以随便选一个限额高的？有什么需要注意的地方吗？最后发表：yaya86	jason806150 2014-2-2 10:14	212375	yaya86 2014-2-12 14:16
国内换汇每年额度的分割是一月份还是农历新年还是澳洲财政年度？最后跟贴： yaya86 发表于 2014-2-12 12:55 请问你汇过来是填写什么理由呢？我妈妈说填买房是不行的，填留学才能5万，旅游是3万 ... no matter how much Aus dollar you already have, per transaction you can only transfer 50k, but you can do multi-transfer on the same day... I think the bank just want to charge more for transaction fee... 最后发表：kicoandy	Grace1127 2014-2-11 16:12	61026	kicoandy 2014-2-12 12:10
大家有买人寿和重大疾病保险吗？一年多少保费？最后跟贴：一年约1000澳币，50万人寿和5万重大疾病，30年，值得买吗？最后发表：cocokwok	cocokwok 2014-2-12 09:28	0908	cocokwok 2014-2-12 09:28
最近想弄张信用卡凑点积分，想听听大家的推荐最后跟贴： jiajialing 发表于 2014-2-11 10:09 您每年花多少银子？没有算过。反正能用黑卡的Amex刷时就刷Amex，积分3倍。最后发表：挑灯亮剑 ...2	bboy 2014-2-4 23:29	302697	挑灯亮剑 2014-2-11 11:25
请教下关于汇款写备注问题，谢谢最后跟贴：听烧鸭的。。。最后发表：Booker	小老虎的娘 2014-2-10 15:55	71283	Booker 2014-2-10 17:17
有TX用过eSuperfund 做SMSF和贷款买房吗? 最后跟贴： xiwu 发表于 2014-2-9 20:04 Many thanks! Now, I will buy the property outside Supper. The SMSF will be used to purchase anot ... good luck, should be very fun 最后发表：LENNY_DONG	xiwu 2014-1-22 15:02	121755	LENNY_DONG 2014-2-10 15:55
关信用卡问题最后跟贴：不会最后发表：cn2wxf040	oz2009 2014-2-10 13:54	1934	cn2wxf040 2014-2-10 14:21
窝窝死的信用卡取消不掉？最后跟贴：这办事。。最后发表：七七八八	41202 2014-1-20 09:36	181632	七七八八 2014-2-10 01:43
AMEX信用卡问题最后跟贴：本帖最后由 NEOTITA 于 2014-2-9 19:01 编辑自己找到原因了删帖最后发表：NEOTITA	NEOTITA 2014-2-9 09:45	11321	NEOTITA 2014-2-9 10:13
请问各位学生如果申请credit card limit能有多少啊最后跟贴： l8steps 发表于 2013-11-23 19:16 请问“后来去银行换成了没有annual fee的award，还能返钱那种。”这是什么卡啊？如何申请？我问了awards ... 现在没有了。当年有~ 最后发表：zhouziyun1836	aswxm 2013-10-10 13:51	152053	zhouziyun1836 2014-2-8 11:38

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个人理财今日: 21|主题: 12419