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Articles by Mark worked
Turning the Tide: Combating Government Waste and Abuse Using Advanced Analytics
According to the US General Accounting Office (GAO), federal programs’ fraud, waste and abuse cost US taxpayers $233 billion to $521 billion annually from 2018 to 2022. While several federal agencies have made progress in reducing fraud levels over the last few years, many of the highest-risk programs identified by GAO have not.
What to expect from the RBA meeting in February 2025
All four of Australia’s big banks are now forecasting that the Reserve Bank of Australia (RBA) Board will cut the cash rate at its first meeting of 2025, thanks in part to better-than-expected inflation figures. The Australian Bureau of Statistics (ABS) recently released its quarterly Consumer Price Index (CPI) report, which found that over the twelve months to the December 2024 quarter, CPI inflation was 2.4 %, down from 2.8% in the September 2024 quarter.
What is house rendering?
Rendering refers to coating a house’s external walls, hiding the exposed brick. You can give your home or investment property’s render a smooth, textured, or colourful finish to better suit your vision and style. Like other renovations, rendering a property could potentially help to improve its value over time, as well as enhancing its appearance and liveability for homeowners or tenants.
Some of the top-rated savings accounts in December 2024
Have you started making savings plans for 2025? Whatever your personal finance goals, it’s important to make sure you’re using the right kind of savings account to help you achieve it. The end of one year and the start of another is a traditional time to make plans and take first steps on new journeys. Though you don’t really need to wait for a particular point on the calendar to arrive - for example, you could start organising your personal finances at any time of the year.
What to expect from the RBA meeting in December 2024
Australia's big banks are forecasting that the RBA will keep the national cash rate on hold in December 2024, with a cash rate cut unlikely to occur until early to mid 2025. Economic factors that could influence future RBA decisions include sticky inflation and weak economic growth, as revealed in the recent National Accounts figures from the ABS. The RBA's own forecasts see the cash rate falling by mid-2025, in line with expectations derived from financial market pricing.
Detective in the Machine: How AI is Revolutionizing Law Enforcement and Intelligence Work
Artificial Intelligence (AI) is rapidly transforming the landscape of law enforcement agencies and national intelligence organizations, empowering them to combat crime and protect public safety. With the advent of more intuitive and sophisticated decision intelligence software, investigators and analysts can harness the power of data fusion and AI to analyze vast amounts of data swiftly and effectively.
How to prepare for and manage the rising cost of living
It’s not sexy, but crunching your household’s numbers can give you a much better idea of where your money comes from, where it’s going, and whether you may be able to make some changes. There are many ways to make a budget, from marking every expense in a different colour highlighter, to sorting your money into metaphorical buckets (literal buckets may be harder to manage). Explore a few options until you find one that’s right for you.
Total replacement home insurance cover explained
Total replacement home insurance cover is offered by a limited number of insurers, but can cover the complete rebuild of your home, no matter the cost. These home insurance policies may be more expensice than a sum insured policy, but don't require you to estimate the value of your property. With the risk of underinsurance lowered, you may be able to enjoy more peace of mind. There are two main types of home insurance cover – sum insured and total replacement.
What will happen to savings accounts when interest rates fall? Some of the top-rated savings accounts in November 2024
Putting part of your money into a savings account is traditionally one of the simplest ways to protect and grow your wealth. But how does this work if interest rates start falling? Savings account interest rates are affected by many different factors, including the national cash rate set by the Reserve Bank of Australia (RBA).
How are you handling the cost of living? Some of the top-rated personal loans in November 2024
Australia’s cost of living is still rising, but more slowly than previously, according to the latest data from the Australian Bureau of Statistics (ABS). But should Australians use personal loans to help them manage? According to the ABS September 2024 Selected Living Cost Indexes, employee households experienced their smallest quarterly increase in living costs since the September 2021 quarter. Meanwhile, living costs for the remaining household types rose by the smallest amount since 2020.
What is an interest free car loan?
Some car dealers and manufacturers offer interest-free car loans as promotional offers, which may also come with other extra incentives. A 0% interest car loan may not always be the best option available to you, as they may offer less flexibility around both the car price and your repayments. It's often worth comparing dealer finance to other types of car loans before making a choice so you can be confident your decison suits your finances and requirements.
What is a virtual credit card?
Virtual credit cards may be digital versions of existing credit cards, or digital-only cards that can only be used online or via smartphone payment apps. Because virtual credit cards help protect your details, they can offer addtional security when making transactions. It's still possible for cybercrimanals to access your virtual credit card if you aren't careful with your personal information, so it's important watch out for scams.
Different types of car insurance available in Australia
The four main types of car insurance in Austrlalia are Compulsory Third Party, Third Party Property Damage, Third Party Fire and Theft, and Comprehensive Car Insurance. You may be able to save some money on car insurance premiums by choosing a policy that offers less cover or fewer optional extras, though this could leave you at risk of underinsuance in a crisis.
What to expect from the RBA meeting in September 2024
Economists from some of Australia’s biggest banks are forecasting a rate cut is coming, though it may be later rather than sooner. According to these economists, the chances of the Reserve Bank of Australia (RBA) changing the national cash rate at its meeting next week is slim. Reserve Bank of Australia (RBA) Speaking at the Anika Foundation Fundraising Lunch, RBA governor Michele Bullock reaffirmed the central bank’s stance on inflation, which was at 3.9% as measured by trimmed mean in June 2024.
Gender super gap remains a problem - what you can do about it
While Australian superannuation balances have been growing overall, a significant super gap still exists between men and women. While recently-passed super reforms could help address this disparity, there are also options available that may be able to help some Australians take control of their superannuation and safeguard their retirements. What is the gender superannuation gap?
Home loan jargon busting: Which three mortgage terms are most confusing homebuyers?
While many younger Australians are eager to join the property market, they’re being held back by tough economic conditions as well as confusing industry jargon. Understanding some home loan jargon terms could help to remove a barrier between young Australians and home ownership. Recent research from ubank found that over half (56%) of Gen Z and Millennial non-homeowners want to buy a property within the next five years, with 89% of the group agreeing that it’s one of their goals in life.
Some of the top-rated personal loans in September 2024
New data shows that Australians borrowed slightly more for personal loans in July 2024. But what will this mean if interest rates are cut as some banks are forecasting? According to the latest Lending Indicators from the Australian Bureau of Statistics (ABS), in July 2024 the value of new loan commitments for total fixed term personal finance rose 2.2% to $2.7 billion, which was 20.2% higher compared to a year ago. This is a slightly smaller increase than the 2.4% rise recorded in June 2024.
Some of the top-rated car loans in September 2024
The August 2024 vehicle sales statistics from the Federal Chamber of Automotive Industries (FCAI) indicate that while car sales were down year on year, they were still the second-highest August results ever recorded in Australia. Vehicle sales were found to be down 10.6% compared to August 2023, which itself beat the August 2017 record by 13.8%.
Some of the top-rated savings accounts in September 2024
Australia’s money in the bank recently hit another record high, despite cost-of-living pressures. But how long will this likely last in the face of potential future interest rate shifts? According to data from the Australian Prudential Regulation Authority (APRA), Australians saved an extra $30.81 billion in July 2024.
Peak and off-peak electricity times explained
Knowing the difference between peak and off-peak electricity could make a huge difference to your electricity bill. This article will help you understand what the different types of time-related electricity charges are, and how you can make sure you’re doing your best to lower your energy bill.
Some of the top-rated home loans in August 2024
With interest rates likely to remain on hold for the immediate future, what does this mean for your home loan? If you’re in the market to buy a property or refinance your existing home loan, it’s important to compare your options before selecting a mortgage deal. The Reserve Bank of Australia (RBA) kept the national cash rate on hold at 4.35% at its August 2024 meeting.
Borrowers should take matters into their own hands as Governor Bullock all but rules out a rate cut this year
Borrowers should not bank on a rate cut in 2024, but instead plan for a potential hike as the RBA kept rates on hold for the sixth consecutive meeting at 4.35 per cent. While the Board is once again refusing to rule anything in or out, Governor Bullock confirmed that a rate cut in the near future was highly unlikely, based on current data. Borrowers should take this warning on board and plan for another hike before the end of the year.
Some of the top-rated car loans in August 2024
Another new record has been set for vehicle sales in the month of July 2024, with many of these purchases being made by professional or government buyers. According to the Federal Chamber for Automotive Industries (FCAI), 99,486 new vehicle sales were recorded in July 2024. This did not include sales of Tesla and Polestar vehicles, which could have tipped the results upward of 100,000.
Some of the top-rated personal loans in August 2024
New data shows that July 2024 recorded an uptick in personal loans, reversing a fall recorded the month prior. There are a variety of reasons to consider applying for a personal loan, including adding green and sustainable features to your home. According to the latest Lending Indicators from the Australian Bureau of Statistics (ABS), in June 2024 the value of new loan commitments for total fixed term personal finance rose 1.1% to $2.6 billion, which was 11.7% higher compared to a year ago.
How easily can you access your savings? Some of the top-rated term deposits in August 2024
New figures show that Australians saved less money at the end of the financial year, though we may soon be putting more cash back in the bank. When it comes to term deposits, it’s important to consider how easily you’ll be able to access your money if you need it. The most recent figures from the Australian Prudential Regulation Authority (APRA) show that in June 2024, Australians put $11.5 billion less into Authorised Deposit-taking Institutions (ADIs), compared to the last month.
Saving or spending? Some of the top-rated savings accounts in August 2024
If you recently dipped into your savings to splurge on end of financial year sales, you may not be alone. But new data indicates that Australians could soon be putting more money back into the bank again to help manage the high cost of living. The latest monthly banking statistics from the Australian Prudential Regulation Authority (APRA) show that money deposited into Authorised Deposit-taking Institutions (ADIs) fell by $11.5 billion over the past month of June 2024.
Average electricity prices in Australia per kWh
Do you know if the rate you’re paying to use electricity - the usage charge - is too much? Knowing if you’re on the best price for the electricity you’re on is important, as it’s the usage charges that make up a large part of your electricity bill. This article looks at the average usage cost per state or territory and distribution network, how it translates to your energy bill and explains how these prices are set. The cost of using electricity is measured in kWh, which stands for Kilowatt-hours.
Biggest Qantas frequent flyer points at credit card sign up in July 2024
Are flights and travel back on your agenda this year? A trip to Europe or the USA calling your name? You may be able to get bonus reward points to redeem for travel by signing up for credit card deals. In July 2024, there are a variety of providers offering credit cards with Qantas frequent flyer points bonuses on sign up, ranging from 100,000 points all the way up to 150,000 points.
Some of the top-rated personal loans in July 2024
If the Reserve Bank of Australia (RBA) considers hiking the cash rate before the end of the year, how could your personal loans be affected? When your personal financial situation is changing, it’s important to carefully compare personal loans to choose an option that better matches your needs.
What could a rate hike mean for your savings? Some of the top-rated savings accounts for July 2024
Reports indicate that inflation may be sticking around for longer than the Reserve Bank of Australia (RBA) would prefer. This means there’s a chance the central bank could raise the national cash rate again before the year is out, which could have a knock-on effect on your savings.
Cashback home loan deals in July 2024
Australians looking for a cashback deal may be running out of options, with the number of lenders offering these deals dropping to single digits. But comparing the available options is still important in order to select a mortgage offer that best suits your personal situation and financial needs.
Which banks hold the most of Australia’s money? Some of the top-rated term deposits in July 2024
Australians are reportedly depositing more of their money into banks. With this money guaranteed by the Australian government, you can worry less about which banks can keep your money safe, and more on which banks can offer you a better deal on a term deposit. According to data released by the Australian Prudential Regulation Authority (APRA) shows that Australians deposited some $6.53 billion into term deposits, transaction accounts, mortgage offset accounts and savings accounts in May 2024.
Credit cards offering the biggest sign-up rewards point bonuses in July 2024
Signing up for a new credit card may be able to net you a six-figure points bonus, to be redeemed for retail discounts and other exclusive deals. But points hackers must beware that you’ll need to fulfil the card’s terms and conditions to qualify for these bonus points, such as making a minimum spend within the introductory period. Points hacking allows credit card holders to be rewarded for their spending and access exclusive offers from credit card reward points.
Car sales have new mid-year record - Some of the top-rated car loans in July 2024
The first six months of 2024 have recorded a record number of new vehicle sales, with an increasing number of these being for electric vehicles. According to the latest data from the Federal Chamber of Automotive Industries (FCAI), car sales actually slowed slightly in June 2024 compared to the same time last year, with 119,659 new vehicle sales – a decline of 4.2% compared to the previous year.
Some of the top-rated home loans in July 2024
The Reserve Bank of Australia (RBA) kept the national cash rate on hold at its June 2024 meeting, meaning most home loan interest rates are likely to also stay on hold for the time being. But with recent inflation data coming in higher than expected, there are risks that Australian homeowners may not receive rate relief until next year, and may even need to brace for a potential rate hike.
Ubank increases savings rate to equal second highest in market
Digital bank Ubank has announced it will be increasing the maximum bonus interest rate from 5.10 per cent to 5.50 per cent on its Save product from 1 July 2024. This puts it in the top savings accounts available, only equal second to the market leader (excluding kids accounts and introductory rates). Conditions to achieve the bonus rate will also be changing.
Credit cards offering the biggest sign-up rewards point bonuses in June 2024
Discover credit cards with competitive sign-up rewards points, ranging from 150,000 to 275,000 points, for those who enjoy points hacking. Consider factors like minimum spending requirements and interest rates to determine if a rewards credit card is a good fit for your financial situation. Evaluate the redemption options and value of points before choosing a credit card that aligns with your needs and goals. Seek professional advice if needed.
What to expect from the RBA meeting in June 2024
RBA Speaking at an Australian senate estimates hearing, RBA governor Michele Bullock reiterated that when it comes to the cash rate and meeting the inflation target, the central bank is “not ruling anything in, ruling anything out.’ “The board will be driven by the data and the data will tell us if we need to move.” Governor Bullock also indicated that we may not have seen the last of rate rises.
Do you dip into your savings? Some of the top-rated savings accounts in June 2024
While many Australians have been stashing money in the bank to take advantage of higher interest rates, others have been dipping into their savings to better manage cost of living pressures. Depending on your saving goals and financial situation, it could be worth comparing savings accounts to find out if an alternative option could better suit your needs.
Some of the top-rated car loans in June 2024
While Australia continues to grapple with high costs of living, sticky inflation and low economic growth, car sales are continuing to smash records. Electric and low emission vehicles are also continuing to grow in popularity, according to the latest sales figures. The latest figures released by the Federal Chamber of Automotive Industries (FCAI) show a new record number of 111,099 vehicles sold for May 2024, up 5.1% on the 105,694 sold at the same time last year.
Cashback home loan deals in June 2024
Australians are running out of time to apply for some cashback deals, with Westpac’s subsidiaries withdrawing their cashback offers from the market as of the end of the month. There are still a limited number of cashback home loan deals available for refinancers and owner occupiers, making it important to compare options before deciding.
Guide to energy efficient heating
Keeping your home warm during the winter is vital - but it can often come at serious cost. This article looks at some of the steps you can take to improve your home’s energy efficiency and possibly reduce your energy bills. Firstly, before any new heating appliances are purchased or heating units installed, you need to assess your house for any potential air leaks.
Where can you find rate relief? Some of the top-rated home loans in May 2024
Compare home loan options to find some of the best rates and deals for your financial situation and goals. Consider refinancing or negotiating with your bank for a rate cut, as cash rate cuts may be delayed and banks can raise rates independently. Be cautious when opting for fixed rate home loans, as you may not get as much benefit from future rate cuts.
Saving for a rainy day? Some of the top-rated savings accounts in May 2024
Compare savings accounts to find the best option for your needs and financial goals, ensuring your money is working for you. Consider the potential impact of interest rate changes and inflation on your savings, and choose an account that offers competitive rates. Utilising active saving strategies and bonus interest options could help to maximise your savings and reach specific financial milestones. How are you managing your savings?
Where can Australians put their record-level savings? Some of the top-rated term deposits in May 2024
Australians are saving record amounts of money, with total household deposits reaching $1.47 trillion. Term deposits offer a relatively secure way to protect wealth and earn interest income, with the backing of a government guarantee for up to $250,000 per person. Comparing options and using tools like RateCity's Real Time Ratings™ can help you find the best term deposit options for your individual needs.
Some of the top-rated personal loans in May 2024
New data shows an increase in personal loans in Australia, with a rise in loans for road vehicles and household goods. Household spending has increased for non-discretionary items like transport services and food, while discretionary spending has decreased. You could consider a personal loan for debt consolidation or investing in energy-efficient home features to manage finances and reduce costs.
Some of the top-rated term deposits in April 2024
When working out where to invest or deposit your money, should a term deposit get a look-in? While term deposit returns may not be the highest of all investment options, their relative reliability and security could make them worth considering. Investments can help to grow your wealth by letting you benefit from returns. Generally, the higher the risk, the higher the reward, though past performance is not a reliable indicator of future performance.
Some of the top-rated savings accounts in April 2024
How long will you be able to make the most of the interest on your savings account? With economists forecasting interest rate cuts later in the year, the days of making maximum interest returns on your wealth may be numbered. There are a few different savings strategies you could consider, which could better suit some household budgets than others. Keep in mind that it’s not guaranteed interest rates will fall later this year.
Some of the top-rated personal loans in April 2024
Australians are reportedly moving away from personal loans, in a partial reversal of an earlier uptick in lending activity earlier in the year. While new data shows a decline in personal lending overall, there are still competitive personal loans available for borrowers who know where to look. The latest Lending Indicators report from the Australian Bureau of Statistics (ABS) shows that new loan commitments for personal fixed term loans fell by 0.9% in February 2024 to $2.4 billion.
Can I get a personal loan to pay for my wedding?
It’s no secret that tying the knot can be an expensive proposition, with the W-word often being associated with higher than typical prices for many products and services. While you might be wedded to getting a personal loan to pay for it, it’s important to be aware of the risks involved before saying I Do to a bank or lender. What does a wedding cost?
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