Bank Accounts

If you’ve ever opened more than one bank account in the past, could you have forgotten about some money that you’ve left behind, which is still waiting to be claimed? And if you think you might have, or if you’re not quite sure, how can you go about finding these outstanding accounts and claiming this unclaimed money?

Mark Bristow -

29 Jun, 2023 -

4 min read

Bank Accounts

Misplacing the odd $10-note here or there may not be unusual for most of us, but what about forgetting hundreds of thousands of dollars?

Laine Gordon -

13 Nov, 2011 -

3 min read

Bank Accounts

Forget a new gym membership: here's a list of New Year' Resolutions that will trim the fat from your finances and boost your savings for the new year.

Alex Ritchie -

02 Jan, 2018 -

4 min read

Superannuation

In the event that your employer collapses, a trustee, administrator or liquidator will be appointed to manage the company. That trustee/administrator/liquidator will be required to pay your superannuation out of company funds. However, there may be some circumstances where you cannot recover unpaid super.

Peter Terlato -

29 Nov, 2022 -

4 min read

Superannuation

The Australian Securities and Investment Commission (ASIC) reviewed fee disclosure practices in the superannuation industry last year, and the results weren't pretty.

Laine Gordon -

27 Feb, 2015 -

3 min read

Superannuation

The trustees of a super fund must ensure that they comply with the SIS Act of 1993. Members can also be helped by understanding how the Act protects their interests.

Vidhu Bajaj -

09 Jan, 2023 -

4 min read

Savings Accounts

Is your high-interest savings account looking a little empty? Supercharge your savings with these tips from successful savers.

Savings Accounts

Last calendar year, Australians spent $642 billion on general living expenses, according to ASIC's MoneySmart.

Laine Gordon -

18 Apr, 2013 -

3 min read

Savings Accounts

If you or your partner have champagne tastes on a beer budget there are many ways you can cut down costs on the big day and still have a dream wedding.

Alex Ritchie -

13 Dec, 2017 -

4 min read

Credit Score

If you’re applying for credit products you may be wondering how much your credit score comes into play. But did you know your credit score may impact the amount of money you’re approved for?

Alex Ritchie -

19 Jan, 2024 -

4 min read

Credit Score

If you’re a diligent borrower and you consistently prioritise your credit score, you’ll likely have it front of mind when applying for new credit.

Georgia Brown -

22 Jul, 2023 -

4 min read

Credit Score

You may be surprised by the information in your credit history that goes towards calculating your credit score. You may be even more surprised by what personal information about you does not affect your credit rating whatsoever.

Mark Bristow -

24 May, 2023 -

4 min read

Home Loans

Dodgy deals, misleading ads, and fake companies are just some of the landmines in the home loans market. To keep yourself safe from stress and scandals, here are some common symptoms of bad lending for the savvy borrower.

Laine Gordon -

07 Sep, 2011 -

3 min read

Home Loans

RateCity looks into the Australian Securities and Investment Commission's planned crackdown on early exit fees for mortgages and what this new proposal means for you.

Laine Gordon -

05 Jul, 2010 -

3 min read

Home Loans

While you can borrow at least $10,000 through a reverse mortgage, consider using a reverse mortgage calculator to estimate how much more you could borrow.

Jodie Humphries -

15 Apr, 2021 -

4 min read

Personal Loans

Are personal lenders dodgy?

Nick Bendel -

30 Aug, 2017 -

2 min read

Personal Loans

Personal loans generally have a lower value and shorter timeframe than mortgages. They can be as low as several hundred dollars and rarely exceed $100,000.

Nick Bendel -

13 Oct, 2017 -

2 min read

Personal Loans

When applying for a personal loan, you’ll most likely have a specific purpose in mind. But are you required to disclose this information on your application?

Georgia Brown -

14 Sep, 2020 -

4 min read

Credit Cards

Have you completed a credit card comparison? It might be worth observing your minimum repayments, unless you want to throw your money down the drain.

Laine Gordon -

17 Aug, 2014 -

3 min read

Credit Cards

What your shopping addiction is doing to your wallet

Alex Ritchie -

08 Mar, 2017 -

4 min read

Credit Cards

Hunting for no credit check credit cards? Suffering with bad credit but you still want to be approved for a credit card? RateCity.com.au's bad credit hub helps you to learn, search and compare credit cards that suit your financial needs. Find out more about no credit check options, such as payday loans, now!

Alex Ritchie -

26 Jun, 2018 -

5 min read

Car Insurance

Don't get caught with the wrong car insurance

Laine Gordon -

29 Aug, 2011 -

3 min read

Car Insurance

Car insurance is still a much more complicated business than it should be. For example, a typical Product Disclosure Statement (PDS) for car insurance in Australia runs to over 25 pages, with dozens of individual clauses. Glossing over these documents is tempting - but it's a bad idea. Perhaps the most important clauses in these documents are the ones that tell you what you're not covered for.

Laine Gordon -

29 Aug, 2011 -

3 min read

Cryptocurrency

Dreaming of making it big by trading cryptocurrency, but aren’t sure where to start? There are many, MANY different cryptocurrency options available on the market, with more entering the market all the time. For example, at the time of writing, several digital currency exchanges have over 240 different cryptocurrencies available to buy, sell or trade in Australia.

Mark Bristow -

28 Apr, 2022 -

3 min read

Cryptocurrency

Currently, cryptocurrencies and cryptocurrency exchanges are legal in Australia, including Bitcoin, Ethereum, Ripple and even Dogecoin. But what legal protections are in place for crypto traders, and could that change in the future?

Alex Ritchie -

27 May, 2021 -

4 min read

Term Deposits

Investors take note term deposits are the new black

Laine Gordon -

09 Jul, 2010 -

3 min read

Car Loans

Are you ready to ditch the second-hand bomb you've been driving for a snazzy new car? Buying a brand new car doesn't come cheap, however, and unless you've been diligently saving towards this goal, you will need to examine car loan options.

Car Loans

While you probably didn’t anticipate having to sell your car before the end of your loan term, plenty can change over the course of a few years. This might lead you to wonder whether you can transfer your car loan to another person.

Georgia Brown -

31 Jul, 2021 -

3 min read

Investment Funds

It can be hard to ask for help, but when it comes to personal finances, reaching out to a professional could save you big in the long run

Alex Ritchie -

07 Aug, 2017 -

3 min read

Investment Funds

As the Federal Government works to pass legislation regulating equity crowdfunding in Australia, now's a good time to get your head around what this form of investment could mean for you. Equity crowdfunding has boomed in countries such as New Zealand and Sweden so with the precedent already set, there's no reason why Australia won't take to this fairly new investment model like a duck to water.

RateCity -

10 Feb, 2016 -

3 min read

Investment Funds

Traditionally, investments have been a tool for the wealthy. They’re often complex arrangements that require a significant level of financing and incur high fees. However, the advent of micro-investing means you can dip your toes into this arena without excessive exposure.

Peter Terlato -

19 Aug, 2022 -

5 min read