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利息税最后跟贴：就连ATO，有的时候电话也要转几个人才能得到权威的答复。2年前打个电话去ATO问CONTRACT FOR DIFFERENCE的TAX RULING, 转了第四次才出来一个能说出个道理的人。前两个完全不知道我在说什么，第三个当我问他关于澳洲CFD和英国SPREAD BETTING的税务比较时，他就立即把我转给第四个人，第四个人终于能顺利找到相关TAX RULING NUMBER来给我明确的答复。最后发表：Devil_Star	terry11 2008-8-15 22:59	102541	Devil_Star 2008-8-20 01:42
commwealth bank 普通卡取钱的问题？？？最后跟贴：最后发表：alan96	wqpk 2008-8-6 02:04	82056	alan96 2008-8-19 01:22
westpac 学生帐户柜台取钱要钱么? 最后跟贴：那行,我明天去问问,谢谢最后发表：不明白	不明白 2008-8-18 16:05	42057	不明白 2008-8-18 20:14
sydney credit union是个财务公司吗最后跟贴：Credit Union Advantage • CUs are not for profit, not for charity but for service. Without the traditional profit motive, CUs make decisions based on what's best for you, our valued member. • When you join a CU, you become a member-owner. And, every member has the same voting rights to make sound decisions for the institution as a whole. • Volunteers make up the Board of Directors while their salaries go back into the credit union in the form or lower loan rates, higher deposit rates and great new products. Paid staff takes care of day to day operations. • You must be able to join a credit union. This membership criteria is defined by the credit union's charter while credit unions exist soley to serve their member-owners. • Voting rights exist for each member. Therefore, members elect other members to head up their credit union. • CUs do not have to pay federal income tax. These funds are returned to the credit union to increase deposit rates, decrease loan rates and for the betterment of the institution. • Income that CUs generate throughout the year is returned to the credit union in the form of improved products and services, higher deposit rates and lower loan rates. • CUs are financial cooperatives. Members pool their savings to provide low-cost loans and low-fee services to each other. • Deposits are insured up to $100,000 by the National Credit Union Administration, which is the government's strongest insurance fund. Banks • Banks worry about their shareholders first. Decisions are based on what will give shareholders the most profit. • Only those who purchases share of the bank own the business. A Board of Directors make all the decisions for the bank. • The Board of Directors are paid a salary. Day to day operations are also performed by a paid staff. • Anyone can join a bank. Banks server anyone from the general public. • Only people who own stock can vote for the Board of Directors. Normal customers don't have a say in just about everyhting. • Banks, like other for-profit businesses, must bank taxes to the federal government. • Income generated at a bank is only returned to the stockholders in the form of higher dividends on their shares of stock. • Banks are commercial businesses. They offer services for one reason - to make a profit. • Deposits are federally insured up to $100,000 by the FDIC, a government agency. 4 months ago 最后发表：dreamknight2	OneLeaf 2008-8-13 16:53	51983	dreamknight2 2008-8-18 13:55
关于国内往澳洲汇钱最后跟贴：原帖由 liveinaustralia 于 15/8/2008 14:25 发表我也觉得是找别人，可刚才看到有人说要有汇给直系亲属的证明，国内有这个要求吗？上海和北京都没有这个要求。最后发表：黑山老妖	东区胖哥 2008-8-15 14:15	53004	黑山老妖 2008-8-16 21:45
问个HSBC信用卡和个人财务软件的问题最后跟贴：我都用一般的spreadsheet做管理。就直接copy网页的交易，然后复制进入Spreadsheet，搞一下格式就可以了。然后可以自己按自己的喜好，分析一下那些费用多花，少花。我同事嘲笑我说：你是公司帐没有看够，回去继续折磨自己。最后发表：loushenghong	sweeet 2008-8-15 18:17	21484	loushenghong 2008-8-15 19:01
有人存钱到MACQUARIE BANK 过吗？最后跟贴：就是，利息多少？存期多少？只比8。5高一点点的话，还不如活期了。。最后发表：SOSHELPPLZ	sabrinasyd 2008-8-13 00:10	31952	SOSHELPPLZ 2008-8-15 17:59
请教菜鸟问题最后跟贴：1. 票汇的话 --是将那张票快递给你！随便哪家银行都可以解汇！ Commonwealth解汇大概$15--最好你再Confirm with CBA， 2. 电汇的话 --除了国内收手续费之外到帐后澳洲这边应该无手续费-如有的话$10 3. (1)收款银行之代理行名称及地址--- CBA +澳洲地址！ (2)收款人开户银行名称及地址[收款人开户银行在其代理行账号] --CBA BRANCH + 澳洲地址！ (3)收款人名称及地址[收款人账号] --你的名字和地址+你的银行帐号你写全就是你的BSB + ACCOUNT No (4)国内外费用承担； 1 汇款人我不明白(1)和(2)有什么区别为什么要填两次--- (因为有的银行在澳洲有自己的代理行那就需要填，向你的情况是1和2是相同的，就填一样) 5. SWIFT CODE （全名the society for woldwide interbank financial telecommunication）你一定要问CBA -- 6. MELBOURNE CBA 的SWIFT CODE IS---- CTBAAU2S 你在同CBA Confirm 一下嘻嘻--觉得有用就加分分！最后发表：jialiren	￡猪猪￡ 2008-8-14 20:45	11621	jialiren 2008-8-15 00:59
关于在澳大利亚暂存人民币的问题最后跟贴：现在汇率5.9现在换澳元很合适最后发表：zhuangxi	zhuangxi 2008-8-3 17:28	113136	zhuangxi 2008-8-14 20:24
降息应该不远了！最后跟贴：看这个新闻，说是即便RBA降息，商业银行也很可能不降 http://business.smh.com.au/busin ... -20080811-3tkj.html 最后发表：lyrixyang	gogogol 2008-8-13 22:28	122041	lyrixyang 2008-8-14 19:33
钱存在国内划算还是存澳洲划算? 最后跟贴：AU$ is droping these days 最后发表：fangfang1	￡猪猪￡ 2008-8-13 22:18	112141	fangfang1 2008-8-14 13:44
在中国换汇之后，汇票可以寄过来吗？最后跟贴：SWIFF Code : Commonwealth Bank CTBAAU 2S --MELBOURNE d HSBC BANK -----HKBAAU2S ANZ BANK--------ANZBAU 3M 最后发表：jialiren	Perth-newcomer 2008-8-9 01:46	62679	jialiren 2008-8-13 00:07
海外取现金最后跟贴：汇率是当天的实时汇率应该是有两个上限的，一个是中国ATM最多一次能够取RMB3000（一般），一个澳洲的卡一天最多是$1000（各个银行应该是不一样的）最后发表：Bigman	wangjing7614 2008-8-8 16:05	112668	Bigman 2008-8-12 09:03
发现自己银行帐户里面多了4百多,是一个不认识帐户给我的最后跟贴：换了新公司，税后年薪2w多，低啊。最后发表：alex2008	xzlzxzlz 2007-3-31 15:03	294416	alex2008 2008-8-11 14:35
收到 Macquarie Bank 来信，利息真的要降了哦最后跟贴：最后发表：hohoho	wangjing7614 2008-8-7 16:04	51979	hohoho 2008-8-8 22:50
ANZ降息了最后跟贴：ANZ cuts fixed mortgage rates Relief is in sight for some borrowers, with the ANZ Bank cutting its fixed mortgage interest rates by as much as half a percentage point. The bank said today that rates for fixed rate home loans and residential investment loans will fall across all terms by between 11 basis points and 50 basis points. ''These changes will enable ANZ to offer our customers some very competitive fixed rates,'' it said. For example, its one-year fixed rate will fall by 11 basis points to 8.99%, per annum. Its seven year fixed rate will fall by 50 basis points, also to 8.99%. The decision by ANZ to cut its fixed rates - but not its variable rates - comes as financial markets factor in a likely cut in official interest rates next month. Earlier today, ANZ managing director for mortgages Michael Rowland today a federal parliamentary committee hearing in Melbourne that there was no certainty the bank would pass on in full any cut by the Reserve Bank of Australia. ''We would like to cut those interest rates but we will have to assess what is happening to our funding costs at that time,'' Mr Rowland told the committee. The House of Representatives Economics Committee is examining whether competition in the financial sector has been reduced following the global credit crunch. The ANZ's move was prompted by a sharp reduction in the cost of funds that it borrowed on the short-term money market. Mr Rowland told the hearing the cost of short-term funds had fallen dramatically in recent days. ''Those sort-term funding costs have moved from an average of 10 basis points over the official cash rate, to earlier this year to 100 points, (to) last week 60, (to) yesterday 20,'' Mr Rowland said. Mr Rowland said the bank's funding mix comprised roughly one third deposits, one third from the short-term money market and the rest from long-term borrowings. The bank's move on fixed-term mortgages followed data showing the popularity of fixed-rate home loans had halved since the start of the year, a sign that borrowers may be expecting an interest rate cut. Australian Bureau of Statistics (ABS) data this week showed 11.7% of new mortgages approved in June were at a fixed rate, the lowest market share since October 2005. That was a big fall from March when fixed-rate loans commanded 23.9% of all new housing finance commitments. Fixed-rate loan numbers have fallen for three successive months, the ABS data showed even though the major banks had lifted their standard variable lending rates independently of the Reserve Bank of Australia. Economists now expect the Reserve Bank of Australia will consider cutting the official cash rate, which has been at 7.25% since March, before the end of the year. ANZ said its one-year fixed rate would be cut 11 basis points from 9.10% to 8.99%, its two-year fixed rate would be cut 35 basis points from 9.34% to 8.99% and its five-year fixed rate would fall 50 basis points from 9.49% to 8.99%. AAP with Chris Zappone, BusinessDay 最后发表：旅途	旅途 2008-8-8 20:52	02028	旅途 2008-8-8 20:52
请问一下大家：大额的人民币换澳币大家怎么操作的？最后跟贴：用别人身份证换外汇直接汇出是无需直系亲属的，但是换汇后暂存在你自己的国内银行卡上则必须要是直系亲属而且要有相关证明。最后发表：kurtmomo2007	casussing 2008-7-30 15:57	123803	kurtmomo2007 2008-8-8 08:29
CitiBank 免年费金卡链接无效了？？最后跟贴：不能PROCESS 最后发表：mouse006	jayhor 2008-8-5 11:44	61953	mouse006 2008-8-6 22:31
请教一下在Bank West开户过的TX 最后跟贴：原帖由 adige 于 2008-8-6 10:41 发表 RT，昨天我在Bank West开了一个Term Deposit的户头。以往我在其他银行新开户头，银行工作人员都会要求我出示证件如驾照、护照，同时他们还会将相关的证件复印下来留存，并要我提供税号。奇怪的是Bank West工作人员并 ... 最新的法律规定。开户不在需要100 分的身份证明。用驾照，或者护照，其一就可。而且不用复印，只要在系统里面输入相关信息就可以了。最好也不要让别人复印你的证件。除非有特殊的情况。不过税号没有输入倒是不太正常。唯一的可能性就是你在Bankwest已经有了其他的账户，已经提供了TFN。如果不是这种情况。可以自己到Bankwest的网络银行上面更新你的税号。或者打电话13 17 18。最后发表：zhengtao	adige 2008-8-6 11:41	51675	zhengtao 2008-8-6 20:58
Australian Super Sucks!! 最后跟贴：我也是这家公司的，想转到AMP,但不知如何下手，在它网址上找了好久，不没有form可下，还有给他们的service发email，没有任何答复最后发表：seanshou	llite 2008-6-30 20:42	264484	seanshou 2008-8-5 17:09
紧急求助信用卡取现问题在线等最后跟贴：Balance transfer是指把其他信用卡上的欠账转到这个新的卡上，不是online transfer的意思。 positive credit以后取钱通常不收手续费，但是最好打电话问一下。最后发表：黑山老妖	atmb 2008-8-5 09:31	21614	黑山老妖 2008-8-5 10:17
用wizard信用卡在海外消费，也只认签名？能设密码吗？最后跟贴：在ＶＩＰ介绍的网站上也看到了下面的问答， # Does PIN change my liability for any fraud committed on my card? Possibly. If the fraud involved your card and PIN and you didn’t report the loss of your PIN to your financial institution, there may well be a case for liability adjustments. If the PIN was not used as verification and the signature used at the time of the purchase has no similarity to yours, your financial institution may discuss alternatives with you. Your financial institution can provide further details. 最后发表：SOSHELPPLZ	ilovefamily 2008-7-31 15:36	122741	SOSHELPPLZ 2008-8-3 14:01
NAB GOLD BANKING很不错的银行daily-use transaction account 最后跟贴：原帖由 gkgkgk 于 2008-7-18 20:03 发表不知道你用的是westpac的哪个产品？我以前westpac那个Max-i Direct Account利息是很低的，要存到2万以上才有7.05%的活期利率，低于5000的只有5.几%..烂死了（NAB的iSaver是不论多少都7.05%，CBA的Netbank是 ... 用这个吧，　ＯＦＦＥＲ　ＣＯＤＥ　：ＳＡＶＥ　８　可以在ＷＥＳＴＰＡＣ拿到８％活期利率．最后发表：SOSHELPPLZ	qqyang 2008-7-18 17:26	284361	SOSHELPPLZ 2008-8-3 13:28
请问银行转账最后跟贴：Paypal,instant 最后发表：yuhongda	aishangjia 2008-8-2 17:36	21871	yuhongda 2008-8-3 00:55
CBA 信用卡的几个问题最后跟贴：low fee是可以和netbank关联的，激活之后马上出现在netbank里面。附属卡没有额外的费用，两个卡共用一个额度，所以消费1k就可以了。免息期也是55天啊？怎么不好了？我觉得唯一不好的是太难看了，丑死了！Shit!!! 最后发表：terryandtaotao	heixiu 2008-6-6 09:46	72492	terryandtaotao 2008-7-31 13:12
bankwest的telenet saver可以和credit card关联吗？最后跟贴：sorry, no. 最后发表：VIP	heifetz 2008-7-29 21:30	11431	VIP 2008-7-30 21:24
如何知道信用卡是否有年费最后跟贴：这个链接都是要年费的，如果免年费，会特别注明的最后发表：excite	findcaiyzh 2008-7-29 21:20	31808	excite 2008-7-30 00:37
2008/09年度如何理财? 最后跟贴：Nice...LZ also asked for some suggestions on buying a house....Any one could give some points on this as well? keen co interest here.. :) 最后发表：axin	OZ新人 2008-7-28 09:35	81931	axin 2008-7-29 22:56
请问如果用的是英文名有没有关系啊？最后跟贴：CERTIFIED COPY OF YOUR PHOTO ID. AND "LEASE CHANGE MY NAME ON MEMBERSHIP INTO XXXX" 最后发表：chris605	bre_zhou 2008-7-22 22:05	71762	chris605 2008-7-29 20:15
CBA啊CBA 最后跟贴：原帖由 abc07 于 2008-7-29 15:48 发表同样不爽中，今天准备去cancel CBA，打算换成NAB,不要月费的。结果那个staff说他们也有不要月费的，现在的一个offer, 可以waive for 1 year.想到有CBA的信用卡，然后就cancel了以前的account, 申请了个新的。我也有信用卡，所以... 那个offer只有一年，一年后就不知道了。最后发表：terryandtaotao	原来 2008-4-29 21:14	61945	terryandtaotao 2008-7-29 18:34
Home Loan 最后跟贴：有没有tz用st.geroge的advantage package的？最后发表：ddww	ddww 2008-7-29 17:36	01425	ddww 2008-7-29 17:36
CBA的Unlimited Streamline Account Offer 最后跟贴：hsbc saving and credit card. 最后发表：jfding	terryandtaotao 2008-7-24 14:08	102081	jfding 2008-7-29 17:26
需要一次转帐2万多到别人账户，怎么操作啊最后跟贴：谢谢大家事情已经办了。在HSBC柜台取现要收5刀手续费，开银行支票是8刀，BANKEWEST银行支票收10刀。为了简单，还是在HSBC开的银行支票。最后发表：flyingcat	flyingcat 2008-7-24 21:47	152362	flyingcat 2008-7-29 12:17
车贷最后跟贴：私人的不可以。最后发表：黑山老妖	puppy 2008-7-29 04:05	11790	黑山老妖 2008-7-29 09:38
请问CREDIT UNION和银行有什么不同吗? 最后跟贴：原帖由 sweeet 于 2008-6-28 17:46 发表好多CU是要成为他们的成员才能办业务的，比如教师的，警察的，矿工的CU，必须要该行业的人才能参加的。但是也有一些CU，比如Austrilia Credit Union就是人人都可以加入的。成为他们会员的好处呢，就是服务好，收费几 ... 是不是以后Medibank私有化后，保险客户也能得到类似MBF的补偿？最后发表：gandalf	zaban 2008-6-27 20:56	83993	gandalf 2008-7-28 21:56
知道为什么bankwest 支付的利息比我计算的少了最后跟贴：为什么网上银行里我的利息还是老样子，哪里有显示8.25％啊？最后发表：colaice ...2	文青 2008-7-19 23:43	324965	colaice 2008-7-28 21:08
如果手中有人民币该怎么办？最后跟贴：紧盯美元对人民币的汇率.一旦美国经济好转换成美元等美元升值. 最后发表：江上往来人	Poweregg 2008-3-20 21:15	112307	江上往来人 2008-7-28 19:57
有没有人投资农业的？最后跟贴：原帖由黑山老妖于 2008-7-28 14:56 发表这个帖子里面有讨论到农业。 http://www.oursteps.com.au/bbs/viewthread.php?tid=60853 谢谢老妖。最后发表：maleela	maleela 2008-7-28 15:52	41656	maleela 2008-7-28 16:23
nulll 你就别八卦了 - [阅读权限 120]	doubleseven 2008-7-24 15:10	4753	xingbu 2008-7-28 15:15
SUPER扣款的问题(intertest applied) 最后跟贴：那个是半年做帐时给的数字, 其实就是你的EARNING, 但不了解是实际的还是计算的最后发表：eagleowl	xztang 2008-7-25 18:31	11832	eagleowl 2008-7-27 09:36

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