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关于bankwest问题最后跟贴：我今天去把昨天刚开的户给"CLOSE"了 CLOSE就是消户的意思吧应该不会有什么费用了吧最后发表：xxn617	shaonainai 2007-12-20 18:16	62409	xxn617 2008-1-7 20:40
NAB自主升息0。12% 最后跟贴：真的，ANZ昨晚也跟着涨了，然后下两个月就很可能是看到RESEVE BANK涨利息了。 NAB这小崽子，之前还预测利息快涨到头了，然后会下降，想不到这家伙居然第一个升息。最后发表：对酒当歌	baolqun 2008-1-4 08:48	52157	对酒当歌 2008-1-6 15:18
关于银行利息最后跟贴：多谢最后发表：wangjing_ku	wangjing_ku 2008-1-4 18:41	31379	wangjing_ku 2008-1-5 20:35
到底定期存款划算还是活期存款划算最后跟贴：请看这个帖子 http://www.oursteps.com.au/bbs/v ... p;page=1#pid1318279 里面还有一个网络计算器最后发表：蛇蝎	sayhi80 2007-12-20 22:14	132474	蛇蝎 2008-1-5 10:51
请问小额美元换澳币去哪里换合适? (墨尔本) 最后跟贴：既然是小额,就找个离家最近的地方换最后发表：windy801226	sisisang 2008-1-1 16:53	11690	windy801226 2008-1-3 16:38
RABOPLUS 存款利率7.25% 最后跟贴：如果以前没有开过bankwest telenet saver,可以考虑开一个,第一年7.2%pa. 最后发表：VIP	玉米 2008-1-2 21:34	31543	VIP 2008-1-3 11:43
注意, 大家申请信用卡可能会被默认要求买credit insurance 最后跟贴：办信用卡的时候会注意的. 最后发表：我是老人 ...2	zn7726 2007-12-18 23:13	383567	我是老人 2008-1-2 15:23
大家帮忙推荐个短登可以开的账号最后跟贴：多谢老妖了！下班了，可以回家了最后发表：fm_yy	fm_yy 2007-12-29 23:10	141764	fm_yy 2007-12-31 19:02
比ROBOPLUS利率更高----7.5%利率的高收益储蓄帐号最后跟贴：醍醐灌顶啊。蛇蝎你那个关于NOMINAL和EFFECTIVE的解析。感谢万分。我不是科班出身的，连个FINANCIAL CALCULATOR都没有一个。但是我找到了一个ONLINE的计算机，和大家分享一下，对得起大家对我的指导 http://www.pine-grove.com/Web%20Calculators/equivalent%20rate.htm [ 本帖最后由对酒当歌于 2008-1-5 21:03 编辑 ] 最后发表：对酒当歌	SOSHELPPLZ 2007-12-19 00:09	263602	对酒当歌 2007-12-28 22:26
信息的准确性，RATE CITY VS INFOCHOICE VS YAHOO 7 最后跟贴：同样是提供投资信息的网站，根据我查询TERM DEPOSIT的结果， INFOCHOICE 和YAHOO 7 结果如出一辙。我怀疑他们用同一个引擎，但是好歹INFOCHOICE还是个TOP 10 HIT 网站。但是但是RATE CITY 结果明显表示银行的利率是不同的。这样影响了我的判断。我到底该相信那一个？而且RATE CITY没有了选择住在那个州，反而多了NOMINAL RATE 和EFFECTIVE RATE，这个看不懂，有财务强的朋友解析一下吗？假如能够教教我这里银行如何计算利息的公式就更好。最后发表：对酒当歌	对酒当歌 2007-12-27 20:51	01164	对酒当歌 2007-12-27 20:51
请问澳洲的养老金是怎么个领法？是不是要工作十年才行？最后跟贴：原帖由 holdenmcgorin 于 2007-12-2 22:00 发表那麼請問一下如果來澳洲3年後才取得PR, 接下來是要等7還是10年才算合格啊十年永居。具体看这里：http://www.centrelink.gov.au/int ... ual_how_agepens.htm http://www.centrelink.gov.au/int ... ual_res_agepens.htm 最后发表：黑山老妖	yemay 2007-8-16 17:22	102720	黑山老妖 2007-12-27 10:29
这样的情况能拿到第一次买房的补助吗? 最后跟贴：是类似这个地方吧 VIC的 http://www.sro.vic.gov.au/sro/SROWebSite.nsf/index1.htm 我转告给朋友,让他们自己确认一下,如果有结果,我就回来报告一下. 再次谢谢最后发表：vivian2006	vivian2006 2007-12-24 22:15	81507	vivian2006 2007-12-24 22:50
BT卡申请时候就要填BT金额,那以后还能再转吗? 最后跟贴：呵呵,前期工作做得蛮细致啊.连artog都想到了,不错不错. 1.想知道新卡的credit limit,打电话到132152.其实最多可以转100%而不是95%. 2.HSBC Low Rate和比较特殊,0%的BT只能转1次,如果再转的话6个月内5.99%,之后按正常利率. 3.如果你要求多个BT,数目不同,他们会先做高的,后做低的,直到credit limit用完为止. 最后发表：VIP	rosalie 2007-12-22 15:13	12334	VIP 2007-12-24 09:54
请问Bankwest的TeleNet Saver在哪里注明是活期存款而且按日计息的？最后跟贴：确实是calculated daily and paid monthly。可以看看他们的PDS还有更多的小字解释最后发表：sick	12 2007-12-22 01:47	11497	sick 2007-12-22 02:07
大家说说汇丰(HSBC)和花旗(CITIBANK)的信用卡，哪个好些？最后跟贴：我用CITIBANK的金卡的原因： 1。终身免年费，付卡也免。 2.。长得漂亮。 3。有免费的国际旅行保险。最后发表：zhengtao	wwwgjhxx 2007-12-18 13:34	253560	zhengtao 2007-12-21 22:25
请教关于在银行留签名的问题最后跟贴：记帐员本身prepare相关凭证吗？如果这样，不太符合内控中的职责分离吧。起码搞个finance manager 签啊最后发表：angelatu	yliu135 2007-12-19 15:34	41745	angelatu 2007-12-21 19:57
定期存款的利息~~~ 最后跟贴：http://www.infochoice.com.au/banking/termdeposits/selector.asp 最后发表：黑山老妖	stellaxing 2007-12-18 23:38	31724	黑山老妖 2007-12-20 10:30
Raboplus 最后跟贴：加分去了最后发表：南方雪	南方雪 2007-12-18 21:45	31575	南方雪 2007-12-19 22:57
有谁能推荐个好的Car Loan啊？最后跟贴：还有，贷款时，我查了查其它汽车贷款，有的小贷款机构的利息才8.24，比我们的略低些，但是他们是浮动的，不是固定的，考虑到利息现在经常涨，而且老公还得花时间再去谈，办手续，有那个时间不如多赚点钱，估计都出来了，最后就用车行这个贷款了，我们太懒啊。建议楼主找车行好好谈，使劲压，应该没问题。反正车行有的是，这个不行就那个，着急卖车的是他们。最后发表：ilovefamily	Pluggedboy 2007-12-18 12:06	111951	ilovefamily 2007-12-19 13:01
为什么有正式的工作,申请NAB信用卡还被拒绝? 最后跟贴：明白了, 谢谢 newaussie的分享最后发表：SOSHELPPLZ	ausdream 2007-12-14 16:43	162860	SOSHELPPLZ 2007-12-18 23:59
请帮忙看看我的个人理财案例最后跟贴：一朋友的语言同学，人家一来就买了近200WAU的房子。。。。。不久后又买了个近100W的，那叫一基础好的啊。。。。。。羡慕死了最后发表：o_12	dlcat 2007-12-5 20:58	51589	o_12 2007-12-17 23:36
[ZT] 华人社区涌动信用卡恶意套现的浊流最后跟贴：感觉这篇文章更像是在给这个余先生打广告最后发表：Allul	raya 2007-12-7 18:19	52067	Allul 2007-12-17 13:47
学生能申请两张信用卡都免年费麽？最后跟贴：原帖由 sick 于 2007-12-13 15:42 发表回楼上的，我觉得我的limit暂时没法升，没有任何短期内增加收入的可能啊。所以才有此下策。这里没有谁能给个确定的答案麽？重新申请一张卡和升级Limit没有本质上的区别。因为银行一样会去查你的信用度。最简单的方法就是去银行填表升级，只要理由充分的话，一般都不是问题。最后发表：zhengtao	sick 2007-12-12 15:46	91665	zhengtao 2007-12-15 22:16
申请NAB Mini card 被拒，能再次申请吗？最后跟贴：信用卡被拒的话会在你自己的信用记录上留下一笔的，这回严重影响到你之后申请更重要的房屋贷款的。最后发表：liujiajian	coolioo 2007-12-13 21:53	152082	liujiajian 2007-12-15 10:14
--- 最后跟贴：Old! 最后发表：icebear	fangxiang 2007-12-12 22:02	262863	icebear 2007-12-15 03:50
问关于superannuation的personal contribution 的问题最后跟贴：原帖由 holly 于 2007-12-13 18:29 发表 lg上个财年交了contribution，结果管super的公司收了好大一笔手续费，气死了。选择super公司也很重要。最后发表：poloand	trust2004 2007-6-4 10:56	252698	poloand 2007-12-13 19:58
呵呵,看来raboplus没骗人,还真有中$1000的. 最后跟贴：我也收到$50元，不过还是太少了，不值的费功夫换，太麻烦。不过还是很谢谢你。最后发表：糊涂仙子	VIP 2007-12-6 15:40	152344	糊涂仙子 2007-12-13 13:29
CITIBANK免年费GOLD/SILVER CARD申请最后跟贴：Transfer for life at 4.9% 这句话什么意思啊? 最后发表：lydxm	robert 2007-11-21 23:31	223222	lydxm 2007-12-13 09:23
super里面的15％contributions TAX是虾米玩意儿啊？最后跟贴：Can I claim the tax offset for contributions split from my superannuation account to my spouse's superannuation account? No. You cannot claim the superannuation spouse contributions tax offset for contributions split to your spouse’s superannuation account, as the amount split to your spouse’s superannuation account is a contributions-splitting ETP – that is, an ETP roll over – not a contribution. Spouse contributions are non-concessional contributions and as such are subject to the $1,000,000 transitional non-concessional cap that applies from 10 May 2006 to 30 June 2007. If you intend to claim a tax offset for contributions to your spouse’s superannuation account (eligible spouse contributions): you must make contributions directly to your spouse’s superannuation account your spouse’s assessable income plus reportable fringe benefits amount must be less than $13,800 in a year of income, and you must both be residents (for Australian tax purposes) at the time you make those contributions. How do I claim the tax offset? You can claim the tax offset through your tax return. The tax offset is calculated in one of three ways. Where you have made $3,000 or less in eligible spouse contributions and your spouse's total assessable income and reportable fringe benefits is $10,800 or less, the tax offset is calculated as 18% of the eligible spouse contributions. Where you have made more than $3,000 in eligible spouse contributions and your spouse's total assessable income and reportable fringe benefits is $10,800 or less, the tax offset is calculated as 18% of $3,000 – that is, $540. Where your spouse's total assessable income and reportable fringe benefits exceeds $10,800, the eligible spouse contributions limit of $3,000 is reduced by $1 for each $1 of assessable income and reportable fringe benefit in excess of $10,800. The tax offset is calculated as 18% of the lesser of the amount of the spouse contributions for the year or the reduced amount of the spouse contribution limit. Therefore, the tax offset is zero when your spouse's total assessable income and reportable fringe benefit is $13,800. Examples A taxpayer contributes $3,500 to a superannuation fund on behalf of a spouse. The spouse's assessable income is $10,800 and reportable fringe benefits is $0. $10,800 (the actual assessable income) - $10,800 (the base assessable income) = $0 The reduced amount is: $3,000 (the maximum contribution entitled to the tax offset) - $0 (the excess assessable income) = $3,000 or The actual contribution made is: $3,500. As the reduced amount is less than the actual contribution it is used to calculate the tax offset. The tax offset is therefore 18% x $3,000 = $540. A taxpayer contributes $2,500 to a superannuation fund on behalf of a spouse. The spouse's total assessable income and reportable fringe benefits is $12,000. $12,000 (the actual assessable income and reportable fringe benefits) - $10,800 (the base assessable income and reportable fringe benefits) = $1,200 (the excess assessable income and reportable fringe benefits) The reduced amount is: $3,000 (the maximum contribution entitled to the tax offset) - $1,200 (the excess assessable income and reportable fringe benefits) = $1,800 or The contribution actually made is: $2,500 As the reduced amount is less than the actual contributions it is used to calculate the tax offset. The tax offset is therefore 18% x $1,800 = $324. Can my spouse withdraw the money at any time? No. There are limits on when your spouse can withdraw their superannuation. Low income earning spouses cannot withdraw from the fund or RSA until they reach preservation age (55 to 60) or retirement (whichever comes later). You should contact the Australian Prudential Regulation Authority (APRA) for advice on the limits for withdrawing superannuation for non-working spouses. Superannuation can be withdrawn from the fund or RSA early on death, permanent disability or severe financial hardship. Can my non-working spouse roll over all or part of the undeducted contributions on subsequent withdrawal from the fund or RSA? Yes, when rolled over, the undeducted contributions component retains its identity and gives rise to an undeducted contributions component in a payment by the roll-over fund. 最后发表：小茉莉	小茉莉 2007-12-12 11:04	175821	小茉莉 2007-12-12 12:43
online的帐户怎么关闭？最后跟贴：在bank mail里面发一封申请关闭的email 最后发表：pal	fatty 2007-12-9 11:39	41588	pal 2007-12-10 21:19
银行一次最多可以取多少现金? 最后跟贴：大额的提前一天和他们说就可了，如果很紧急，没来得及说，你非要取，他们也会给。最后发表：豆宝宝	兔八哥 2007-11-12 20:41	126713	豆宝宝 2007-12-8 22:35
收到国外汇款也要交税??? 最后跟贴：原帖由 LAMP 于 2007-11-13 22:44 发表我在这里没工作和收入,如果老公从中国把钱汇到我帐上,我收到银行款也要去交税??也算入我的收入里吗???? 你如果没申请税号的话, 他们自动给你扣, 但是你到了财政年度末, 是可以要回来的. 利息要上税, 其他不要的吧. 最后发表：行文流水	LAMP 2007-11-13 21:44	216093	行文流水 2007-12-7 11:55
请教：super需要计算在总收入里吗？最后跟贴：原帖由青天白日于 2007-12-7 02:46 发表如果super不算income，那里面缴的税不就1分也退不出来了？不能退。跟退税不搭界。最后发表：eleven_baby	青天白日 2007-12-4 01:08	102978	eleven_baby 2007-12-7 07:34
Raboplus银行新开户送现金啦最后跟贴：呵呵这位JingYi Wang也忍不住了. 最后发表：VIP	guigua 2007-12-5 14:40	101833	VIP 2007-12-6 10:31
age pension 最后跟贴：是够震撼的！！！最后发表：美讶	holdenmcgorin 2007-12-2 22:05	92155	美讶 2007-12-3 19:35
hsbc的SERIOUS SAVING 最后跟贴：HSBC的利息都是28号起算的最后发表：linjun70	go2 2007-11-29 21:13	21518	linjun70 2007-12-2 22:21
在HSBC 能开户抄港股???? 最后跟贴：原帖由 tilburg 于 2007-12-1 21:00 发表有没有介绍详细流程呢？周末也可以么？地点随便？手续非常简单，最好你到他们中环的总部开户，周末他们好像没开。最后发表：fordiy	LAMP 2007-11-23 09:33	102269	fordiy 2007-12-2 21:50
请问老妖: SMART ACCESS怎么在NAB网络上找不到?只有SMART DIRECT. 最后跟贴：原帖由 OZfish 于 2007-12-1 11:31 发表多谢老妖不好意思最近比较忙没有一个个仔细看帖所以怎么久才回你。最后发表：黑山老妖	OZfish 2007-11-29 21:46	31389	黑山老妖 2007-12-1 10:33
如何选择银行?关于HSBC的问题最后跟贴：多谢多谢. 最后发表：OZfish	OZfish 2007-11-29 20:20	31497	OZfish 2007-11-30 14:01
Microsoft Money 有免费下载的吗? 最后跟贴：哈哈我也要下载点microsoft的money 最后发表：小小强	luckycoin 2007-11-18 17:55	31634	小小强 2007-11-29 22:11

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