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$50 was a very nice offer BUT for one week Buckscoop is offering $60 cashback for each APPROVED St George Direct saver account application
And at the moment all new customers to the St George Direct Saver snagged 5.75% interest (please read the fine print)
This off the site: " Open a Direct Saver online saving account today and enjoy a fixed bonus rate of 1.55%p.a. above the standard Direct Saver variable rate (4.20%p.a. on 5 March 2010), for 4 months when you open a Direct Saver account before 30 June 2010.
* A great variable rate of 5.75%p.a.*** * No minimum balance * No monthly account service fee * No transaction fees deposit and withdraw funds as frequently as you need without incurring fees * Get easy access to your money 24 hours a day, 7 days a week# * Money Magazines's 'Best of the Best 2010' DIY Super Savings Account - making it perfect to manage your own super"
***Fine print: "Terms and Conditions *Variable promotional rate is current as at 5 March 2010. If you open a new Direct Saver account between 1 Mar 2010 and 30 Jun 2010, and you have not held a Direct Saver account before 1 Mar 2010, you'll receive a fixed bonus rate of 1.55%p.a. on top of standard variable Direct Saver rate for the first 4 months after your account is opened (Promotional Rate Period). The standard variable Direct Saver rates may be changed at any time, including during the Promotional Rate Period, but the fixed bonus rate will not change during the Promotional Rate Period. After the end of the Promotional Rate Period, the standard variable Direct Saver interest rate (currently 4.20%p.a.) will apply.# Electronic access is subject to systems availability. .^St.George everyday banking accounts include Complete Freedom Account, Express Freedom Account, St.George SENSE, Complete Freedom Student Account, Retirement Access Plus Account, Society Cheque Account, Concession Account. Fees and charges apply. This information does not take into account your circumstances. Before acquiring a deposit account, you should consider the Terms and Conditions available at any branch or stgeorge.com.au and consider if the product is right for you. Deposit products issued by St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714."
Not bad at all Our offer expires MIDNIGHT EST FRIDAY 19TH MARCH
&*&*&*&*&* ONE ST GEORGE DIRECT SAVER APPLICATION PER ACCOUNT ONLY. ANY MEMBER FOUND WITH MULTIPLE TRANSACTIONS WILL HAVE THEIR BUCKSCOOP ACCOUNT TERMINATED AND THEIR CASHBACK WITHHELD. NO EXCEPTIONS &*&*&*&*&*
Includes pretty much everything, but there may be some extra costs depending on your house. In my case I have a double storey (+$200) plus flat steel roof (+$415) so it cost me a little more. Depending on supplier, you may also have to pay for a "smart meter". Even so I calculate that with the Solar feedback rebates (I will be credited back about three times the market rate for any energy I generate and feed back into the grid) in Melbourne I'll pay for this installation within four years. So that's a 25% tax free return on investment. If you combine this with the interest free loan noted at http://www.buckscoop.com.au/forums/freebies/17923-free-sustainability-assessment-interest-free-loan.html then you effectively will get the solar system for free (in fact you could possibly install a larger system), and after it has paid itself off, you will continue to get credit for years to come - these systems have a lifespan of +20 years....
I ordered my system in mid Dec, and it was installed mid Jan.
Basically - after four years, cost neutral. From then on I should be saving around $800 per year - and that's at current (pun intended) power prices.
Sign up or enter your current login to Lasoo and earn 100 flybuys points. Takes 10 seconds to fill out info (skip the send to friends step).
You'll get an email to confirm your subscription, and you can unsubscribe after.
For those that don't already know Flybuys points can be collected/redeemed at Coles, Kmart, Officeworks etc (if you don't already have a card you can use the link in the next post to sign up, and then sign up to lasoo and your points will show in approx 4 weeks.)
100 points may not be worth much, but it does take a while to collect so it's better than nothing!
St George have upped the cashback amount to $50 on the following accounts:
* Direct Saver * Express Freedom Account * Complete Freedom Account * St George Term Deposits
Please read the warnings listed under each account:
"Please be advised that cashback is only payable on validated online applications
**** ONE ST GEORGE APPLICATION PER ACCOUNT ONLY. ANY MEMBER FOUND WITH MULTIPLE TRANSACTIONS WILL HAVE THEIR BUCKSCOOP ACCOUNT TERMINATED AND THEIR CASHBACK WITHHELD. NO EXCEPTIONS ****"
St George have increased their cashback to $100 for each approved Vertigo or Platinum Credit Card.
Some differences between the 2 cards depending on your needs.
Both offer up to 55 days interest free on purchases and Platinum has some insurance offers while Vertigo has lower annual fees. Platinum has 14.99% p.a rate on purchases and Vertigo has 11.74% p.a. rate on purchases and both have 20.49% p.a rate for cash advance.
Factor in the $55 annual fee for Vertigo or $89 for the Platinum Card and you still end up in front with the Buckscoop cashback :)
$0 annual fee for the life of the card $50 cashback when you spend $500 or more for each of the first 3 months on your HSBC Credit Card (cash back is via HSBC not buckscoop) 0% on balance transfers until 1 April 2010 Privilege Program Privilege Program - instant discounts on shopping, travel, accomodation and more. See Website for full terms and conditions
would be nice if they would offer cashback...admins, can you please look into that? :)
* High interest rates - calculated daily, paid monthly * No fees * Savings Buckets, create different accounts for each of your savings goals in just a few clicks * An Automatic Savings Plan option that makes regular contributions from any Australian bank account. Set up a monthly Automatic Savings Plan for $100(or more) and receive a Savings Bonus of 0.10%p.a. for balances up to $150,000 * Our useful Goal Tracker online savings tool * The flexibility to transfer funds to any Australian account with our 'Pay Anyone' feature * Your choice of alerts sent to you via email, SMS or secure mail * No mininmum amount and a maximum balance of $1 million dollars per customer * Access to a real person, simply by calling us on 13 30 80 24/7 anytime.
Just in case you didn't check the New Merchant listings last night, St George have some sweet cashback offers.
I've linked to the 3 new offers so take your pick and use those cashback links.
------------------------------------------------ I like this offer, no fees and you only need to open your account with $1.00
Open a Direct Saver online savings account today and you can look forward to great service with these extras:
# great variable rate of 4.50%p.a (for new Direct Saver customers) # Enjoy a fixed 1.30% p.a. above the standard Direct Saver variable rate (3.20%p.a. on 14th April 2009), for 4 months when you open a Direct Saver account before 30 June 2009. # Get easy access to your money 24 hours a day, 7 days a week # Use it to manage your DIY Super # No minimum balance.
*** Until these transactions are validated your cashback will track at $1 ONE account per member please - these will be checked and multiple account transactions WILL be cancelled *** Nod
Apply for a David Jones American Express Card, and on approval you will receive $100 worth of Gift Cards when you spend outside of David Jones within 7 days of receiving your card.
"Terms & Conditions 1. Your first 6 months begins from the time your application is approved.
2. Available to approved applicants only. On receipt of your Card, you have 7 days to spend on your Card outside of David Jones to be eligible to receive $100 worth of David Jones Gift Cards. If you spend outside of David Jones after this 7 day period has passed, you will still be eligible to receive a $50 David Jones Gift Card. Gift cards are not exchangeable, refundable, replaceable or transferable for cash or a credit to your Card. David Jones Gift Cards expire within 24 months after purchase or issue. Any balance that remains on the David Jones Gift Card after expiry will not be available for use.
Applicants must be 18 years of age or over and earn a minimum household income of $40,000 p.a. to apply for a David Jones American Express Card. Approval is subject to American Express® credit lending criteria. Subject to Terms and Conditions. Fees and charges apply. All Interest Rates are quoted as an Annual Percentage Rate. All information is correct as at 2nd March 2009 and is subject to change. Credit provided by American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.
Offer is not available to David Jones American Express Staff Cardmembers or customers applying for the David Jones American Express Staff Card."
Vague memory of someone chasing a bank account for thier kid. Saw this on the Bankwest site.
"The Bankwest Kids' Bonus Saver account offers Australia's highest rate on kids' savings and plenty more: * Huge 7% p.a. bonus interest rate. * Bonus interest paid each month when $25-$250 is deposited and no withdrawals are made. * No account fees."
Announcing an exclusive offer for Money readers. Open a CommSec account before 15 May 2009 and youll receive $600 free brokerage plus a complimentary copy of Money.*
The bottom line is, the more you trade, the more youll save.
Why Choose CommSec?
* No monthly account fees * Earn 4.25%pa^ on your cash * Enjoy discounted brokerage from $19.95* * Fee free access to CBA ATM's with the Debit MasterCard®
I don't use Amex as they are so often not accepted. Their rewards programs are supposed to be very good though. A standard gold card has an annual fee of $130
As a valued VIP Seduce Black member, we appreciate all of your feedback about Seduce and our rewards program.
Over the next couple of months we will be undertaking some maintenance on the Seduce Black program and as an immediate reward for the interruption to your membership, starting from today, we are offering all Seduce Black members 15% off* all full priced purchases.
Just in time for the party season, this discount is a great excuse to get to your closest Seduce store and buy yourself a fabulous holiday outfit! Hurry though, as this is for a limited VIP time only!
Bring your friends along to sign up for Seduce Black and they will also enjoy 15% off their full priced purchases!
I have been looking at credit cards, and I noticed this one would make my GST Business Activity Statements alot easier.
2 Membership Rewards points¹ for every $1 spent
You'll earn 2 Membership Rewards points for every $1 spent up to $150,000 - reverting to 1 point for $1 thereafter (reset annually)¹. These points are not capped and will not expire as long as your account remains current.
90-DAY MONEY-BACK SATISFACTION GUARANTEE²
If you're not completely satisfied with the Card within the first 90 days after the Annual Card fee is first applied to your Card, we will refund the $160 Annual Card fee².
12 STATEMENTS PER YEAR THAT MEET ATO REQUIREMENTS FOR GST REPORTING
A card that does your numbers. Every month, you'll receive a statement that includes a GST breakdown that meets ATO requirements7 for GST reporting. And, by enrolling to view your account online, you can check your account and manage your expenses when you need to, 24 hours a day. You can also download your statements straight into Quicken®, MYOB® or your Microsoft® Excel budget spreadsheet - saving you time preparing your BAS. INCREASE YOUR CASH FLOW, WITH UP TO 55 INTEREST FREE DAYS Numbers that give flexibility. The Business Accelerator Credit Card really stretches your cash flow, with up to 55 days interest free5. Guaranteed to Impress:
* The American Express Business Accelerator gives you automatic enrolment in our Membership Rewards program Choices option, giving you access to top class shopping and gifts. * You can redeem your points for flights³ with no blackout dates or restrictions, giving you added flexibility and convenience. Click here to find out more * Your Membership Rewards points can also be used to pay off the balance of the Card4. * You'll earn points whether you're using the Basic Card or one of the Supplementary Cards (with no annual Card fee). * The Business Savings Program gives you access to great business discounts. Click here to find out more * The Annual $160 Card Fee is tax deductible if the Card is used solely for business7. * Because it's a Credit Card, you can pay for larger purchases by attending to the minimum payment due every month. The Card's interest rate is 18.99%6 p.a.
* Automatic enrolment in Membership Rewards Ascent * No points limit or expiry as long as your account remains current * Interest rate of 20.49% p.a.4 * Up to 55 Interest Free Days5 * Credit limit of up to $25,000 (subject to credit approval criteria) * Balance Transfer - 6.99% p.a. for life of balance6 - subject to our Interest Rate Policy7 * Global Customer Service * Online Fraud Protection Guarantee8
Unfortunately I have been unable to ascertain if there is a annual fee. It is not listed here like it is normally and the Amex personnel over the phone say whatever is on the website / offer goes but for this card it is normally $192 I believe.
*When you first spend on your Card outside of David Jones including for any of your everyday needs, we will send you a $50 David Jones Gift Card. Its our welcome gift to you!
Apply Today..
Terms & Conditions 1. Your first 6 months begins from the time your application is approved.
2. Subject to availability and your account being kept in good standing and not overdue. Gift cards are not exchangeable, refundable, replaceable or transferable for cash or a credit to your Card. David Jones Gift Cards expire within 24 months after purchase or issue. Any balance that remains on the David Jones Gift Card after expiry will not be available for use.
Applicants must be 18 years of age or over and earn a minimum household income of $40,000 p.a. to apply for a David Jones American Express Card. American Express credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All Interest Rates are quoted as an Annual Percentage Rate. All information is correct as at 15 September 2008 and is subject to change. Credit provided by American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.
This an interesting offer at a time when the cost of home loans has certainly had an impact on a lot of families ... I have certainly seen my mortgage repayments jump over the last few months ... though we now have talk of a few rate cuts in the pipeline .. anyway.. Aussie Mortgage are offering customers a $500 fuel voucher if they can't get you a better home loan than your current one. There are of course a few criteria you need to meet to qualify but should not be too hard. Thought I would post this up more out of interest than it being a hot deal. But worth considering if you were in the market for refinancing
I came across this today, and thought I would post it here. Basically you have to sign up to Commsec and you get a free Commonwealth Bank Debit Mastercard. There's more to it, so you might want to have a read through...but it sounds good for those who are looking for a FREE everyday account with no fees and no balance minimum.
NO MONTHLY FEES ON YOUR EVERYDAY TRANSACTION ACCOUNT Your Commsec Cash Account is an everyday transaction account with NO MONTHLY account fees that also pays 3% pa interest on balances of $5,000 and over. Credit your salary and dividens into your Cash Account and use fee-free online transacting to pay bills, transfer money and BPAY.
MAXIMISE YOUR INTEREST Your Investment Account pays a very competitive 7.5% pa interest on every dollar. Instantly transfer excess balances from your Cash Account to make the most of your spare money or you can set the AUTOSWEEP to let us automatically transfer your excess balances weekly or monthly.
INSTANT ACCESS TO YOUR MONEY Accessing your cash is easy with your Commsec Debit Mastercard and unlike an EFTPOS card you can use it online and over the phone. You also dont pay any annual card fees. It also allows you to withdraw cash at over 900,000 ATMS globally and fee-free at any Commonwealth Bank ATM in Australia. Your CommSec Debit Mastercard is welcome at over 25mil locations worldwide and Mastercard Zero Liability indemnifies you against unauthorised transactions.
Trade for less with Australias leading online broker Click through to read more..
Seize investment opportunities Click through to read more..
Do it all in one place Click through to read more..
If you are one who reads each and every word of every Terms and Conditions 'book' you come along, you will probably know this, but for those who just have a quick look over it...
IF YOU BREAK YOUR RABOPLUS TERM DEPOSIT ANYTIME BEFORE IT's MATURITY DATE, YOU WILL BE CHARGED AT LEAST A $25 FEE.
They charge a $25 base fee, plus whatever other fee they determine, most likely based on the initial deposit amount. I had a term deposit for $1500, among many, and had to break it because I urgently needed the money. So I thought that as with any other bank or other financial institution, they would just take away a small portion of the interest credited. NO, you end up losing money. For breaking a term deposit that was 2/3 completed, I was charged $25.49. They do credit you the interest you have earned, which in my case was close to $19, so I actually ended up $7 out of pocket, after they had $1500 of mine for several months.
Absolutely shocking. I've never seen anything like it.