How do cash advances work? (These products are also known as payday cash advance, instant cash advance, and cash advance loans)?
Instant cash advance, payday cash advance or cash advance loans, are three of the most lucrative types of loans that financial institutions can make. The reason for this is that often people are desperate for the cash. They need it to pay for food and other day-to-day expenses that simply cannot wait until the next payday. The people who opt for these loans are often of lower income and those who do not have many alternatives for accessing quick cash, so they will gladly pay whatever interest rates these lenders are asking.
The way these payday cash advances or instant cash advances work, is that you show the lender proof that you have a bank account into which your pay cheque is automatically deposited each week. You also present proof that you are gainfully employed, so that the lender knows you are good for the repayment amount of the loan. Finally, you present proof of the amount of your take-home pay cheque, after all taxes and other charges. This proof can be in the form of bank statements showing the amounts deposited by your employer each week. You then sign the appropriate paperwork giving the lender your permission to withdraw monies from your checking account. They will need this permission in order to collect the balance, plus interest, on the loan.
The lender then makes you a loan, equal to the amount of your next pay cheque, less the interest to be charged. The interest rate can be very high, sometimes running upwards of 50%, or even more, but the loans are normally for a very short time period, generally no more than two weeks. When the borrower receives his next regularly scheduled pay cheque, the lender puts through a request to the borrower’s bank to be paid the balance due on the loan.
In summary, payday cash advances are also called instant cash advances, fast cash advances or cash advance loans. Some enterprising lenders take the whole process online and call them “online cash advances,” where the amount of the cash advance loan is deposited directly into your bank account. Regardless of what they are called, these payday advances are generally a very poor deal from the buyer’s standpoint and should be avoided if at all possible.
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Deals direct have slashed the prices of 100’s of products in their latest newsletter. Don’t miss out on deals direct month end markdown madness as sale ends 30 September 2008.
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Are you an Australian Blogger and interested in winning some great prizes from deals direct? If so simply pick any Deals Direct product and blog about it in an interesting way.
Blog posts will be judged on the following criteria:
* Creative
* Inventive
* Entertaining
* Informative
* Unique
Once you have followed the necessary criteria, simply fill in the Deals Direct entry form. Don’t forget to include the URL of your blog post and you will be entered into our draw. Entries close on the 30th september 2008.
The winner will receive a brand new laptop courtesy of DealsDirect.com.au. The second prize winner will receive a 22″ LCD Widescreen Monitor, and the 10 runners up will receive an Anyview Hawkeye 10 megapixel web cam.
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You have so many things you want to do with your money. How do you keep it all under control? With different savings accounts, that’s how. This is a very simple way to keep things organised and save for those unexpected expenses or that month-long holiday.
Savings Accounts: These are the most basic type of account for saving money. They used to be offered as in-bank accounts only and you typically had to show up or post a letter to request a withdrawal. Today, savings accounts come in money market form, online, high-interest, limited withdrawal and more.
High Interest Savings Accounts: These accounts pay above-normal interest rates on your money. High interest savings accounts often have minimum opening balance requirements, but can also offer enticements, like HSBC’s interest premium for any month with no withdrawal. However, because they pay a higher interest rate, they can sometimes have restrictions on them, like limits to the number of withdrawals per month. If you’re considering high interest savings accounts, be sure to read the Product Disclosure Statement carefully.
Online savings accounts: The Internet has revolutionised banking. With online savings accounts you don’t need a local bank branch, in fact, you don’t need a bank branch at all. You have electronic access to your money and can make transfers in or out, day or night. It doesn’t matter whether your bank is located just down the street or in Antarctica. Just be careful to read the disclosures carefully to be sure your online savings accounts don’t have any hidden fees or penalties that might get you in trouble in future months.
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Buy a selected Dell laptop and receive $100 worth of free upgrades. Minimum purchase amount apply to be eligible for $100 free upgrade for selected Dell Inspiron, XPS and Studio Laptops. Offer expires 2nd of October 2008.
Redeem your Dell coupon code in 3 easy steps
1. Copy the dell coupon code.
2. Select advertised XPS, Studio or Inspiron laptop above the specified minimum threshold to get $100 upgrade bonus and apply your $100 upgrade bonus to the purchase of available upgrade
3. Paste or enter your coupon code in the box labeled “Enter Coupon Number” towards the bottom of the screen at My Cart window and click Apply Coupon.
Inspiron 13 (E-Value Code: R511009AU)
- To be eligible for $100 free upgrade, the minimum purchase price of selected Inspiron 13 must be above $1399. Please use the dell coupon code 22ZGJV2RKZ29SX to redeem this offer.
Studio 15 (E-Value Code: R511004AU)
- To be eligible for $100 free upgrade, the minimum purchase price of selected Studio 15 must be above $1499. Please use the coupon code H89BRSTN6N981N to redeem this offer.
Studio 17 (E-Value Code: R511006AU) and XPS m1330 (E-Value Code: R541010AU)
- To be eligible for $100 free upgrade, the minimum purchase price of selected Studio 15 & XPS m1330 must be above $1599. Please use the dell coupon code 4?X?4W0N2MZ79V to redeem this offer.
Studio 15 (E-Value Code: R511005AU) and XPS m1530 (E-Value Code: R540924AU)
- To be eligible for $100 free upgrade, the minimum purchase price of selected Studio 15 & XPS m1530 must be above $1699. Please use the dell coupon code G2818T4X7?PDMX to redeem this offer.
Studio 15 (E-Value Code: R511007AU) and XPS m1330 (E-Value Code: R541011AU) and XPS m1530 (E-Value Code: R541013AU)
- To be eligible for $100 free upgrade, the minimum purchase price of selected Dell XPS m1330, Dell Studio 17 & XPS m1530 must be above $1899. Please use the dell coupon code RXCDW8SP0XC20V to redeem this offer.
XPS m1530 (E-Value Code: R541014AU)
- To be eligible for $100 free upgrade, the minimum purchase price of selected XPS m1530 must be above $2099. Please use the dell coupon code Z66FHH8XJLZH0Q to redeem this offer.
XPS m1330 (E-Value Code: R541012AU)
- To be eligible for $100 free upgrade, the minimum purchase price of selected XPS m1330 must be above $2199. Please use the dell coupon code 38?QS43P529F1D to redeem this offer.
Studio 17 (E-Value Code: R511008AU) and XPS m1530 (E-Value Code: R541015AU)
- To be eligible for $100 free upgrade, the minimum purchase price of selected Studio 17 & XPS m1530 must be above $2299. Please use the dell coupon code QRBJLDX92QCXDJ to redeem this offer.
XPS m1730 (E-Value Code: R541016AU)
- To be eligible for $100 free upgrade, the minimum purchase price of selected XPS m1730 must be above $2899. Please use the dell coupon code 19DSQX6NSWK$LJ to redeem this offer.
XPS m1730 (E-Value Code: R541017AU)
- To be eligible for $100 free upgrade, the minimum purchase price of selected XPS m1730 must be above $4099. Please use the dell coupon code BX1TZ$9544?9VS to redeem this offer.
Minimum purchase amount apply to be eligible for $100 free upgrade for selected Dell Inspiron, XPS and Studio Laptops.
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When you purchase any new subscription or extend any existing subscription iSUBSCRiBE will give you a voucher entitling you at 20% off everything at the skincarestore.com.au.
What do you get from SkincareStore apart from amazingly priced skincare? No Fuss Returns, Lowest Prices Guaranteed & FREE DELIVERY.
SkincareStore offers convenient online access to cutting edge anti-ageing treatments and scientific innovation in skin and body products.
Simply purchase a subscription from iSUBSCRiBE before Oct 31, 2008 and you’ll get this great offer. There will be a discount link in your iSUBSCRiBE confirmation email, sent to you once you’ve ordered.
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Be in the running to win 2 tickets to Rome. It’s easy, simply follow these 3 easy steps.
1. Search, create or book an itinerary flying Singapore Airlines at Webjet.
2. On the itinerary summary page, click ’save your research to planitonearth’
3. Login, and name your trip, click start and you’re in!
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There was a time when we just depended on our travel agents to procure the insurance for our trip. Many times the cover was bundled in with the tour or the cruise and usually the insurance was provided directly through the tour or cruise vendor.
Today, we are far more savvy consumers and understand that we are not necessarily getting the best deal for our money when we buy travel insurance in this manner. We are looking for the cheapest cover that will meet our specific needs, whether that is an Australia travel policy or worldwide travel insurance.
There are sites on the Internet, such as http://www.travelinsuranceguide.org.uk/, which will compare the cover offered and prices on up to 1,500 different types of travel insurance. Sites such as these can be used to obtain the cheapest travel insurance policy possible at a price you can afford. You can simply plug in the type of insurance you need, the various riders you may wish to have on that policy, such as a “extreme sports” cover or a larger than normal lost baggage allowance and let the website do its thing. It will return results that highlight those companies offering specifically what you need at the lowest possible price. There is no reason why a worldwide travel insurance policy can’t be obtained to suit just about anyone’s needs in this manner.
You can search for world travel insurance for a trip you are taking outside of your home country and receive details of only those companies that offer products for worldwide travel. One travel insurance policy is not the same as another and to get the cheapest, you need to shop around for a world travel insurance policy that meets your specific requirements.
The site also includes several handy guides for the traveller who may not know what specific cover they and why it may be a good idea to have one particular product and not another. For example, some travel insurance policies cover liability and collision occurrence while travelling overseas in a rental car. If you don’t plan on renting a vehicle or perhaps don’t even drive, such cover is unnecessary and you shouldn’t be paying for it.
This site also includes a guide to handy travel insurance terms, such as what is world travel insurance and how does it differ from a policy designed to cover you in your own home country? What does it mean when a policy says it excludes “pre-existing” conditions? It would be helpful to know if you were not going to be covered for medical expenses relating to a long-term heart condition while you are travelling. If that was the case and you were concerned, you could always make arrangements to take out a special policy rider that would include this pre-existing condition.
There are many tools available on the Internet today to help travellers secure the cheapest travel insurance that will meet their needs, while getting the best travel insurance for their money. Travel insuranceguide.org.uk is just one of them. Make use of all available resources to ensure you get value for your hard-earned money.
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You just have a standard credit card, but you’re now considering a rewards credit card. Is it worth switching? Well, a lot depends on your spending and payment habits, but credit card rewards can be very nice perks if you use the card wisely. What’s the best rewards credit card for you? Let’s look at your spending habits.
- Loyal to certain brands: A branded rewards credit card, like HSBC or Citibank, can offer rewards tied into their brand. If you bank or do other business with them, their rewards credit card could pay off handsomely for you.
- You shop around: Something with less specific rewards might be best for you. Credit card rewards that are more generic, like cash back, might help you best. No matter where you shop, the credit card rewards (often “points”) add up, and you receive periodic cheques when you reach various rewards levels.
- You want a certain type of reward: In this case the best rewards credit card will give you what you want, air miles, petrol, pet food, whatever. With a more specific type of reward, your credit card will give you whatever makes you happy. It doesn’t matter where you shop or what brand you choose, everything works towards that one type of reward.
Whichever you choose, please remember that the best rewards credit card may have higher interest rates and fees than a basic card. If you have a good credit rating, the banks will want your business and you can often open a new credit card account with very attractive terms. Use credit card comparison websites to narrow down your choices and then open an account that will reward you for your spending.
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Thefreebiesblog.com is a popular Australian website that provides information about Internet freebies for all to enjoy. They tout themselves as being different from similar sites, because they do not focus solely on American freebies. While they do have a section on offers geared toward the USA, they also have deals aimed specifically towards Australians, as well as worldwide freebies.
Site Useability
The site is very easy to navigate and is user friendly. They offer the ability to subscribe to their periodic ‘thefreebiesblog’ newsletter and also to browse freebie information on the site. There is a list of “Hot Freebies”, which is broken out by geographic regions, along with a list of “Free Categories”, such as Free Baby Products, Free Jewellery, Free Magazines, etc. There is also a section available to view user comments on posted freebies, as well as a section containing archived offers.
Customer Support
Customer support is minimal. If you have a question or comment, it can be emailed by completing a form on the “contact” page.
Good Points/Bad Points
The good point to the freebies blog is fairly obvious; it offers a way for people worldwide and Australians in particular, to take advantage of some great free offers. A bad point is that some of the offers are only available on a very limited basis.
Jimmy’s Comments
Overall, thefreebiesblog.com definitely looks to be worth a try. Who doesn’t like to receive freebies?
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Be quick, Webjet’s Europe sale ends midnight this Sunday 14th of September 2008. Book with Webjet today for departures anytime from now until 30 June 09 and find all the best deals to the most popular destinations. Use the Deal Finder to help you find the best deals and save!
Destinations on sale: Amsterdam, Athens, Barcelona, Berlin, Birmingham, Brussels, Copenhagen, Dusseldorf, Edinburgh, Frankfurt, Glasgow, Hamburg, Helsinki, Istanbul, Larnaca, Lisbon, London, Lyon, Madrid, Manchester, Malta, Milan, Munich, Newcastle, Nice, Oslo, Paris, Prague, Rome, Stockholm, Stuttgart, Toulouse, Venice, Vienna, Warsaw and Zurich
Get in quickly and save on flights to Europe at Webjet today!
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For 4 days only dell is having a super spring sale where you can save up to 15% on selected home computers. The dell coupon code is automatically calculated in the shopping cart.
- Get 5% off when you spend above $1000
- Get 8% off when you spend above $1500
- Get 12% off when you spend above $2000
- Get 15% off when you spend above $3000
Be quick and the dell sale ends on the 15th of September.
How to Qualify for the Dell Coupon Code
1. Check “Discount Details” to find out the minimum total purchase price.
2. Purchase Dell Inspiron Dekstops and Laptops (excluding any Inspiron 13) and any XPS or Studio Dekstops and Laptops above the specified threshold and qualify for corresponding discount amount.
3. If you don’t meet the minimum total threshold of discount click on “Adjust System” to upgrade any component to get the total purchase price above minimum threshold of discount.
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Two sisters created gogogear.com after their first product, a mending repair kit, became popular. The company, which has its offices and warehouses in Sydney, sell their own brand of travel gear along with other products on gogogear.com.
Site Usability
The navigation bar for www.gogogear.com is on the left with additional links at the top. Some information buttons include dropdown menus with additional contents listed. All the gogogear site links are live and pages open easily, without delay.
Accepted Payment Forms
Customers purchasing from the www.gogogear.com site can pay with credit cards, direct deposit, money order or PayPal.
Shipping Costs
All gogogear deliveries are by mail, with a standard shipping charge of $7.00. Express/Courier orders are $15.95 in Australia. Airmail is $20.00 and takes up to 4 weeks to arrive. Orders over $100 are delivered free.
Customer Support
A telephone number and email address are available as contact sources. There is a ‘Help Zone’ link at the top of the page, which proves various types of assistance. Once a gogogear order is complete, the customer receives an acceptance form, which includes all the relevant purchase information and a confirmation number.
Good Points/Bad Points
The gogogear.com website is easy to negotiate. It is packed with images of all kinds of travel gear and prices, in Australian dollars. If there is a bad point, it is that it is so easy to order online, there is always the temptation to overspend.
Jimmy’s Comments
A good website like gogogear.com allows many people to enjoy the convenience of online purchasing day or night. The www.gogogear.com site is secure and all customer information is kept safe and secure.
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Avis.com is one of Australia’s and the world’s top choices when it comes to car rentals. Avis car rentals in Australia have several vehicle choices for you if you need a car rental. They also have specials listed on avis.com if you are looking to hire a car in Australia.
Site Useability
If you go to avis.com, you will find that the site is very easy to navigate. If you’re looking to rent a car in Australia or other areas, the steps are short, and the time you take to make a reservation is less than ten minutes. Avis car rental’s site will make any visitor feel proficient with computers.
Accepted Payment Forms
Avis.com accepts credit card payments for you to hire a car in Australia. Some US sites do offer the ability to use a bank debit card. When using Avis car rental’s website you will be processing your payment securely.
Customer Support
Avis.com offers great customer support. They have listed on the site customer service numbers you can reach if you’ve had any problems with hiring a car in Australia. You can also use the website for several steps of the customer service process. Renting a car in Australia should be no problem with the customer service experts at Avis there to help you.
Good Points/Bad Points
A good point of www.avis.com is that you can reserve a car far in advance, or two days prior to having to hire a car in Australia. Avis car rental is a huge company and it’s always good to deal with a large company when renting a car in Australia or anyplace. You can also choose what size and kind of vehicle you want. The bad point is that the vehicle you want is not going to be available all the time, as other people have also made their car rental reservations already.
Jimmy’s Comments
Overall www.avis.com is a great site. It’s easy to navigate and simple to make a car reservation. If you need to hire a car in Australia you would be making a good choice to use Avis car rentals. You don’t have to worry about a lack of service with a major player in the world of car rentals in Australia. Avis will be sure to give you excellent customer service when you rent a car in Australia. A visit to www.avis.com will save you time and money, so it’s a good idea to try an Avis car rental in Australia.
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www.retailmenot.com is a popular website that offers coupon codes, for discounts to online retailers. They have an extensive section devoted to discounts available at a wide range of Australian websites.
Site Useability
www.retailmenot.com is easy to navigate and very user friendly. For those unfamiliar with websites that provide coupon codes, they go so far as to offer a detailed explanation on how to use the codes and even provide a video tutorial. Additionally, there is a search function, where you can look for a code for something specific or can enter the word “Australia” for a list of codes applicable to Australian websites.
Customer Support
On the retailmenot “contact us” page, retailmenot.com offers an extensive list of answers to frequently asked questions. There is also a form that can be completed to email them with any queries not covered in the FAQ section.
Good Points / Bad Points
There are several good points to www.retailmenot.com. They offer a terrific service by providing a forum for users to share discount codes they have found, for various products and services available for purchase on the Internet. The fact that you can specifically search for Australian discounts on retailmenot is a major plus. One bad point, however, is that there is no filtering of the offers no longer available, so the fact that an offer is listed doesn’t mean it is going to work. Also the codes do not list expiry details.
Jimmy’s Comments
Overall, this is a very nice looking website and it is definitely worthy of a try the next time you are thinking of making an online purchase.
Top 7 Australian coupon code and bargain websites
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