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TeleNet促销利息降为6.35% 最后跟贴：check out http://www.infochoice.com.au All mine are locked into term deposit. More drops on the way. 最后发表：kingsford	gandalf 2008-11-8 12:59	41533	kingsford 2008-11-8 15:39
GMAC,GE推出澳洲市场，汽车大处理降价？最后跟贴：暂且只是car finance，不过 GE也快不行了最后发表：kingsford	kingsford 2008-11-5 08:05	81761	kingsford 2008-11-7 21:40
membersequity怎么样？最后跟贴：yes. It is a bank owned by Industry Super and governed by APRA. Their banking service is eligible for the current deposit guarantee. not sure about its custom service. 最后发表：kingsford	kentwang 2008-11-6 15:00	21309	kingsford 2008-11-7 20:48
BankWest 9% p.a. Regular Saver 最后跟贴：这东西一年最多6000好像，而且第二年要把第一年存的钱全部提出来重新存，所以帐户上的钱好像不会超过6000 最后发表：heroxk	aussi 2008-11-4 16:01	92055	heroxk 2008-11-7 11:29
急问：需要使用银联卡提现或消费最后跟贴：银联卡可以在所有的NAB ATM机上面使用，也可以在大部分 HSBC ATM上使用。最后发表：hnsc789	nala 2008-5-4 22:57	82202	hnsc789 2008-11-7 09:51
woolworths的everyday money 信用卡，并且第一年免年费？最后跟贴：感觉还是年费太贵而且有flybuy了就不需要申请这个了最后发表：branch	serina_ge 2008-8-29 17:56	122507	branch 2008-11-7 01:20
NAB mini信用卡年费涨了？最后跟贴：应该是申请开卡的时候开始算一年最后发表：Bigman	wil 2008-11-5 15:37	71863	Bigman 2008-11-6 09:13
奇怪，利息double counting。有这样的好事最后跟贴：原帖由 heifetz 于 2008-11-5 21:23 发表 ubank 3月定期似乎只有7.05%了？没错，两星期前促销，而且在降息之前。可能找一找还是有7.5以上的。。。比如marqurie 或 membersequity 最后发表：kingsford	kingsford 2008-11-5 12:37	51641	kingsford 2008-11-5 22:28
真正的通胀率？最后跟贴：这个不是澳洲特有的问题，在发达国家普遍存在，因为CPI是跟失业救济金，养老金等挂钩的，政府有意压低通胀数字以减低支出。 ----以上援引自某财经类杂志的一篇文章最后发表：BOC	kingsford 2008-11-5 08:39	71724	BOC 2008-11-5 11:02
TeleNet促销利息降为7.1% 最后跟贴：哈哈，已经是旧闻了最后发表：aussi	gandalf 2008-11-4 14:54	21469	aussi 2008-11-4 15:26
RBA 降息 75 points 最后跟贴：http://www.rba.gov.au/MediaReleases/2008/mr_08_25.html 最后发表：kingsford	kingsford 2008-11-4 14:33	01302	kingsford 2008-11-4 14:33
使用dragon direct的注意了，取款当天是不计利息的最后跟贴：原帖由 kingsford 于 2008-11-3 22:35 发表余额也不计？这个很严重。。。上面那句话我觉得怎么理解都可以。不见得意味着余额不计。。。LZ确定么？谁英文好，给解释一下最后发表：newsfree	newsfree 2008-11-3 20:15	81598	newsfree 2008-11-3 23:17
抱歉，您尚未输入标题或内容你就别八卦了 - [阅读权限 255]	gkgkgk 2008-11-1 01:09	6548	coolioo 2008-11-3 00:04
大家说说什么银行的卡好用最后跟贴：楼主是问什么账户比较好的意思吧？一张卡可能有好多账户，一个账户也可能有好多卡或是没有卡。建议用bankwest的 BankWest Zero Transaction Account。在全澳大利亚的所有提款机上可以提款，不要手续费。还可以透支100刀，无月费条件是每月最少有2000刀入账。最后发表：y12345678	小蟒蛇 2008-11-1 20:30	31696	y12345678 2008-11-2 00:36
excel的记账本最后跟贴：收藏了最后发表：小蟒蛇 ...2	wellye 2008-6-2 12:50	307663	小蟒蛇 2008-11-1 20:44
存款有关－－－请求加分贴 :) 最后跟贴：很好啊改天也去看看最后发表：小蟒蛇 ...2	letsgo 2008-6-25 21:21	314886	小蟒蛇 2008-11-1 20:25
我怎么找不到comm bank信用卡积分兑换的页面了最后跟贴：(paopaobing(24)) 怎么没找到换年费的那项啊，我记得以前有来着。最后发表：susan	susan 2008-10-31 15:42	101801	susan 2008-10-31 16:38
北美汽车金融：下一场“次贷危机”？- 来源：上海证券报作者：⊙本报记者宦璐最后跟贴：汽車市場的貸款應該問題不大吧，好歹有個抵押品，而且抵押品本來就預好了每年折舊的。我看信用卡貸款的問題更大點，因為無抵押，而且很多信用卡額度都很大，高達幾萬刀（一張卡的壞賬能抵上一臺汽車了），這些出來問題更嚴重。不過如果沒有什麽杠桿衍生品在後面興風作浪，問題嚴重程度不會太高的，至少比目前面對的問題來說是小巫見大巫。最后发表：不会游泳的鱼	jialiren 2008-10-31 10:04	41413	不会游泳的鱼 2008-10-31 11:45
个人报税有个小问题，请教一下。最后跟贴：打电话问了ATO，确实不行。最后发表：coolioo	coolioo 2008-10-27 17:14	101800	coolioo 2008-10-30 12:19
五类“人”逆势赚到钱 --BY 中国证券网最后跟贴：股市蒸发24万亿五类“人”赚到钱--来源：中国证券网 2008-10-29 08:12 　　上证指数从去年10月16日的6124点一泻千里，直到昨日上证指数最低点1664.93点，最大跌幅近73％；而伴随着股指节节下滑，两市市值亦如洪水决堤，一发不可收拾。据统计，从去年高点至今市值已经蒸发了近24万亿。哀叹不已的股民不禁疑问，我们的真金白银究竟都去了哪？　　蒸发数额惊人：24万亿！　　24万亿意味着什么？24万亿比我国2006年全年的GDP还多；相当于建18条京沪高速铁路；相当于近344个巴菲特资产的总和，这么一笔巨大的财富却在无形中灰飞烟灭。不仅是股市市值，受股市暴跌影响，多家上市公司老总身家也急速"蒸发"。国美老总黄光裕个人的持股市值因股价的暴跌从100亿港元降至50亿港元左右；万科老总王石所获得股票市值已经损失了近1亿元，其余200余名激励对象账户内的股票，市值损失合计超过15.9亿元。　　仅几万亿的实际资金投入　　有一个颠扑不破的科学真理：能量守恒，物质不灭。也就是说，没有什么东西会平白无故的消失不见，物质是永存的。股票也是如此，分析人士表示，中国股市虽说号称蒸发了24万亿人民币，但实质上只有几万亿的实际投入资金而已。就是这几万亿资金炒高了整体的A股市值。　　长城证券首席分析师张勇认为，股市是一个虚拟经济，股价只是一个货币符号，在不同点位下代表着不同的数字。整个股市有2/3处于非流通状态，加上流通价的下跌产生了一定杠杆效应。"事实上，股市是流通者的4万亿撬动着13万亿的资本流动。当时计算的市值也并非代表真正有那么多货币在股市。" 　　举一个简单的例子来说，你有三亩地，以1万元的价格卖了一亩给别人，于是市场价就是1万元，你还有2亩，身价就是2万元。后来那个人把地转给另一个人，2万元成交，于是每亩市场价升到了2万元。于是你的资产就要重新计算了，变成4万元。最后那亩地被辗转交易多次了，最后接手的人用了100万元，于是最新的市场价达到了100万元，你资产又要重新计算了，你有200万元了。后来碰到经济萧条，最后接盘的人被迫以1万元卖掉土地，市场价格又回到了1万元。你的资产打回原形，从200万元到起点2万元，中间蒸发了198万元。其实就是一场纸上富贵，并没有真实金钱的损失。　　可见，市值蒸发并不等同于真实的财富缩水，这种蒸发的奇观源于"边际撬动"的现象，即某个交易日里仅仅有10％的股票交易，就能把股票价格带到一个不可思议的高度，那么其他90％的没参与交易的股票也自动分享了这一"疯狂的荣耀"，于是乎，市值是一个怪物，它有属于自己夸张的"数字杠杆"。　　五类"人"赚走了钱　　那又有投资者要问了，既然没有蒸发掉那么多钱，那实际蒸发掉的钱呢，有人赚到钱了吗？答案是有的。不过赚钱的当然不是我们散户。　　那股市里的钱呢，那钱去哪了呢？分析人士表示，有五类"人"把钱赚走了，一是税收和券商收益；二是上市公司以及公司的"大小非"们；三是掌握市场信息者；四是游资；五是极个别的散户。　　第一类　　国家税收、券商收益　　国家和券商这块不用说，不论股民赚和赔，只要股市还在运转，他们就有钱赚，只是多一点和少一点的问题，每年从几亿到几百亿不等，无疑都是股民作的贡献。今年上半年证券印花税就达836亿。前三季度证券公司实现佣金收入也达799.2亿元。当然，这天经地义，全世界都一样，只能祈求管理层能把税率再调低一点。　　第二类　　上市公司及"大小非" 　　上市公司以及公司的"大小非"们也是赚走钱的一大主力。前者依靠IPO、增发、配股等种种方式从股市圈钱，上半年上市公司通过各种方法融资达2244亿。后者依靠投资者用真金白银炒高的价格在高位套现离场。今年以来的前8个月，大小非减持股票套现达334.43亿元。　　第三类　　内幕消息掌握者　　在这个信息时代，信息就是财富。在股市这个信息不对称的市场里，谁掌握了信息，谁就能赚钱。　　有一类人就是得到可靠的内幕消息后，凭借关系从银行贷出数千万甚至上亿资金，在几个星期或几个月快速运作，大赚一把，然后还给银行，退出股市。难怪有人说，中国最富的人群，并不是那些抛头露面的企业家，而是暗地里调动几十亿甚至几百亿的幕后"资本家"。还有人说，中国私人原始资本积累已经完成的主要有两类人：一是国有资产私人化的人；二是证券市场交易内幕化的人。这或许有点夸张，但却实在令人深思。　　第四类　　快进快出的游资　　游资，也就是热钱。是指为追逐高额利润而在各金融市场之间流动的短期资产，它具有投机性强、流动性快，倾向性明显的特征。　　游资在股市的特点是快进快出，一般只阻击有7％涨幅左右的股票，迅速拉上涨停板后，挂巨单封死涨停板，如果其在涨停前已经吸够筹码，那么封停只不过是为了明天高开出货而已。第二天，他们会利用资金使股价高开，然后快速拉高诱多，然后迅速卖出。一般追涨的散户还没反应过来，他们已经全身而退了。　　第五类　　极个别散户　　当然，从我国有证券市场以来，也确实出现过从几万元到上亿资产的投资幸运高手。然而，这只能以数百万分之一来计。比如著名的股神"杨百万"，其实大部分赚钱的散户都是运气好。然而，更多的股民是"下地狱"，最近有媒体报道的那个湖南娄底小股民义武从去年3月13日初涉股海，一年间，24万元的积蓄和借款缩水不足7000元，其月工资仅有千余元。账单显示，这位"股神"在短短一年时间里，交易次数高达500次、支付了超过3万元的手续费和超过3万元的印花税，他的两个同伴的遭遇和他一样。　　散户的资金，在世界证券史中有一个典型的名称叫"笨钱"。英国《经济学人》的主编沃尔特·白芝浩曾对"笨钱"做过经典的描述说，"这些我们称之为’笨钱’的财富，特别庞大和热切，它们若投怀送抱，便会造就暴发户；它们若碰撞到谁，便有了投机者；它们如果迅速逃离，便留下恐惧和萧条。" 　　■记者观察　　为何多数散户资金"蒸发"快？　　据统计，目前的A股市场中，持股市值100万元以下的中小投资者占到总数的99.4％，占总市值的50％，业界把这些人统称为"散户"。作为普通投资者，不可能像财政和券商那样旱涝保收，不可能拥有"大小非"的低成本优势，更没有本事从股市里"融资"，因此，要想在股市里成功，低位买入，高位逃顶是散户赚钱的不二法门。　　但自我国股市创立以来，媒体报道过从几万元炒到上亿资产的幸运投资高手，然而，这只能以数百万分一来计，出现的概率不比买彩票高多少。更多的情况是，大量股民炒股初期赚了点小钱，最后又全部赔了进去，而且，还亏掉了老本。散户为什么老是成为最后的买单者，而不能成为永远的赢家？答案是，散户终究只是散户，这是"宿命"。　　一方面，散户恐惧下跌，而且本金有限。因而在市场真正跌至谷底的时候，要么被吓傻了，不敢进场，要么是因为手里已经没钱，想"抄底"也是心有余而力不足。因此，散户很难买在低位。　　再者，散户喜欢跟风、追高。当股市经过了一段时间的上涨，已经积累了不小的升幅之后，多数普通投资者才开始关心股市，这时进场的话，已没有太大的成本优势可言。随着股市进入主升段，"赚快钱"的独特魅力开始吸引越来越多的股民投身股市，疯狂炒作那些具有标志性意义的热门股，出于"再赚一点就走"的贪欲考虑，高位进场的多数人不再愿意离场。由于舍不得离场，散户最终的下场只能是在随后的熊市中越陷越深，逢低"补仓"，直至打光最后一颗子弹。（新快报）最后发表：jialiren	jialiren 2008-10-29 16:18	01172	jialiren 2008-10-29 16:18
是还房贷还是继续投资??? 最后跟贴：还贷款。如果碰到非常便宜的房子，就买着留住。（LZ说的这笔钱得大才行，太少的话偶就只是还款） [ 本帖最后由明天晴天于 2008-10-28 23:32 编辑 ] 最后发表：明天晴天	beibei2006 2008-10-28 11:41	51827	明天晴天 2008-10-28 23:25
跨行转钱，怎么操作最划算？最后跟贴：多谢大家的建议:) 最后发表：zhouzhou	zhouzhou 2008-10-25 21:16	153302	zhouzhou 2008-10-28 18:33
从非银行的金融公司做房贷有风险吗？最后跟贴：很希望啊最后发表：小李飞刀	小李飞刀 2008-10-28 16:37	51392	小李飞刀 2008-10-28 16:59
NAB现在有点来不及了最后跟贴：好像everyday banking的帐户是一定要保留的最后发表：RichC	letbe 2008-10-24 12:18	21698	RichC 2008-10-25 22:26
房贷经纪人靠银行赚钱？最后跟贴：房贷经纪人提供的利息如果和银行的一样，银行还提供房贷经纪人佣金，银行为什么这么麻烦呢？最后发表：紫水晶	紫水晶 2008-10-25 09:07	01333	紫水晶 2008-10-25 09:07
现在降息大家得钱存在哪个银行呢？最后跟贴：原帖由 yangtown 于 2008-10-24 14:31 发表没有啊，网上还是5.75 确实是5.75，branch的大哥太不靠谱了另外：有没有tx存macquarie的term deposit？ ms也是存到一个trust里面的。最后发表：zsygirl	acekevin 2008-10-16 22:14	292859	zsygirl 2008-10-25 01:39
Guarantee rules change！跟穷人没关系哈！看乐！最后跟贴：http://www.theage.com.au/nationa ... -20081024-58ab.html Guarantee rules change Premium set on guarantee Michelle Grattan and Marc Moncrief October 25, 2008 Page 1 of 3 \| Single Page View PEOPLE with more than $1 million in the bank will have to pay a premium to get the benefit of a government guarantee, under changes Treasurer Wayne Swan has unveiled to stabilise the financial system. The Government is imposing an optional fee for big depositors in banks, building societies and credit unions in order for them to obtain a guarantee. This will reduce the incentive for money to flow from bodies without the guarantee into those protected by it. Regulators are also looking at further action to help institutions not covered by the government's bank deposits guarantee, such as mortgage funds. The Government is reluctant to extend the guarantee, but regulators have been asked to report on ways to keep this sector viable and stable. Regulators are also examining ways to ensure people in genuine hardship can be looked after when funds freeze redemptions. Thirteen of the 20 biggest mortgage funds have frozen their assets due to pressures on their liquidity. Mr Swan said yesterday's measures had been recommended by the Reserve Bank, the Australian Prudential Regulation Authority, the Australian Securities and Investments Commission and the Treasury. They "further refine and strengthen the guarantees the Government has provided Australians in these uncertain times", he said. The move follows a week of furious argument between the Government and the Opposition over the guarantee. Yesterday's change effectively puts a limit, albeit a small one, on the guarantee that Prime Minister Kevin Rudd stressed was comprehensive when he announced it. The move came as the global credit crisis claimed another victim, with GE Money's retreat from key market segments. GE Money will no longer offer home loans, motor finance or small business loans, although it will continue to provide other services such as retail store finance and credit cards. The company will axe 335 jobs as it deals with the increased costs of lending. In the next month 100 jobs would go, with the remaining 235 spread over the coming year, it said in a statement. In other developments: â- European sharemarkets were sinking last night, down between 5% and 7%, following the Australian market's 2.6% fall. â- A drop in confidence sent the dollar from US67.52¢ to a low of 61.87¢ - a fall of almost 6¢ in less than 24 hours. â- The Government moved to reassure small businesses facing hard times as growth contracts. â- In good news for home buyers, non-bank lender RAMS Home Loans has lowered its variable home loan interest rate by a further 20 basis points to 8.19%. This makes it one of the lowest. National Australia Bank chief executive John Stewart last night welcomed the action on bank deposits over $1 million, and took a swipe at the Opposition. "The design of this guarantee is sensitive and complex and it has been important to get it right," he said, adding it was "unfortunate that this process has been so highly politicised". ANZ spokesman Paul Edwards said the announcement was welcome in providing certainty. "The arrangements are sensible and are another positive step in supporting a strong banking system in Australia." Duncan Fairweather, executive director of the Australian Financial Markets Association, said: "The Treasurer has managed to strike an astute balance that restores competitive equilibrium in the banking industry." But shadow treasurer Julie Bishop said Mr Swan had failed to resolve the crisis in the investment fund market, "caused by the Rudd Government's bungled implementation of an unlimited guarantee for bank deposits". The announcement "does nothing to solve the problem of a flight of funds from institutions excluded from the guarantee", she said. A tiny 0.5% of account holders are affected by the fee, which would only cut in for the portion of a deposit above $1 million. The premium that big depositors will pay will vary according to the credit rating of the institution.The fee will apply from November 28. Institutions are expected to offer big depositors separate products - one with the guarantee plus fee and one that does not carry the guarantee. The Government is also extending the guarantee to Australian branches of foreign banks for funds raised from Australian residents. The Government's earlier October 12 guarantee covers 15 million deposit accounts with $800 billion, and fund-raising facilities of $1.2 trillion used by financial institutions to finance small business investments and home loans. At a summit in Brisbane attended yesterday by more than 500 people from the small business sector, the Prime Minister announced $4 million for financial advice, promised that the Government would pay its bills on time or small business could charge penalty interest, and pledged new procedures to make it easier for these businesses to sell to the Government. Meanwhile state and federal ministers who oversee unemployment benefits have met to fine-tune operations in anticipation of higher unemployment and tougher economic times. "We expect the unemployment figures to rise," said the federal Minister for Employment Participation, Brendan O'Connor. With DAN HARRISON, VANESSA O'SHAUGHNESSY 最后发表：afentti	afentti 2008-10-25 01:05	01267	afentti 2008-10-25 01:05
Bankwest有没有在墨尔本的房贷经纪人？最后跟贴：我们是6月来澳洲考察时买的房，当时接触的CBA说：作为海外人士买房也可以贷款，文件可以通过快递来签，当时账户也开好了。可等回来正式想操办了，和他们联系却没了音讯，连流程也不和我们交代如何办理？听说BANKWEST服务不错，贷款利息也低，所以想来问问？最后发表：tony31fan	tony31fan 2008-10-24 00:51	21708	tony31fan 2008-10-25 00:40
请问什么是super 里面government contribution tax? 最后跟贴：15% of contribution tax applies to everybody. 最后发表：astina	rickysmum 2008-10-24 17:00	11790	astina 2008-10-24 17:08
关于TAX的一些问题请教大家最后跟贴：you need to be aware that you are Australian resident for tax purpose. if you choose non-resident,you will be taxed at high tax rate.If it is not the case, do not worry about it.you will claim part of tax back via tax return. 最后发表：sunnyfred	chickensoup 2008-10-6 23:16	61407	sunnyfred 2008-10-24 16:53
st george bank把direct saver的利息提高到６。１％最后跟贴：Power saver 呢？？？最后发表：揸fit人	kyu 2008-10-22 08:27	31525	揸fit人 2008-10-23 15:50
大家怎么看AIA的教育保险？最后跟贴：LS能不能具体说说为什么不建议呢？澳洲AIA和美国AIG是不同的两个legal entity。前者在澳有保证金存在澳洲政府处。应该不用害怕倒闭吧？最后发表：MaxJay	MaxJay 2008-10-21 20:56	61759	MaxJay 2008-10-22 20:38
请问Western Union汇款问题最后跟贴：谢啦！最后发表：figogl	figogl 2008-10-21 20:43	22056	figogl 2008-10-22 19:52
信用卡没有同一银行的saveing帐号如何还钱？最后跟贴：due day前一天换就行了最后发表：kyu	wellhome 2008-10-22 15:22	51583	kyu 2008-10-22 18:30
支票寄丢了怎么办？最后跟贴：去银行让取消，好像要手续费。钱是丢不了最后发表：masakiwangjun	coolioo 2008-10-21 13:44	93082	masakiwangjun 2008-10-22 15:09
汇率波动，现在用国内的信用卡合算吗？最后跟贴：我也在用国内的信用卡。原来还款账户里还有些人民币咯。最后发表：yesido	mel新人 2008-10-22 12:47	41842	yesido 2008-10-22 15:07
virgin的信用卡能不能cash advance？最后跟贴：这个应该是用的。。。要去ATM，除非你里面是正的credit，不建议最后发表：Bigman	wwwdot 2008-10-20 10:02	11518	Bigman 2008-10-22 14:44
HSBC的存款利息才6。5%，想转存到ANZ 最后跟贴：不用开户,拿着支票去ANZ TERM DEPOSIT就好了, 最后发表：terry11	tanshen 2008-10-20 19:58	61683	terry11 2008-10-21 20:24
最近大家收到新的BP信用卡了吗？最后跟贴：信用卡激活后，请问应该怎样去更改自动支付账单的信息？卡号一样，expired date不一样。谢谢。最后发表：jwashing	jwashing 2008-10-21 17:38	01182	jwashing 2008-10-21 17:38
请问在Safeway和BIg W消费有什么类似Flybuy的积分卡最后跟贴：原帖由 ewelamb 于 2008-10-18 15:42 发表 https://www.everydaymoney.com.au/wps/portal/money/aboutthecard/rewards It’s often the simple things in life that are most rewarding. At Woolworths Everyday Money, the simple and accessible benefit ... 请问所集的points有没有过期的期限啊最后发表：zxkiwi	sinohwc 2008-10-18 07:09	82366	zxkiwi 2008-10-21 14:23

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