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About comparedinkum

The origins of the term 'fair dinkum' go back to the early Aussie Goldfields where Chinese workers used the term 'Din Kum' to confirm that a deal was fair, honest and true. Din Kum is loosely translated as 'Fair Gold'. We think that the same principles should apply today. The internet provides a proliferation of confusing deals and offers meaning it's hard to sift through the 'grit' and reveal the 'gold'. comparedinkum is dedicated to helping consumers by comparing, rating and reviewing products and services to enable them to make the right choices and find the right deal. Let us help you to save your fair share of gold.

Useful information when comparing products

We provide the visual tools necessary to evaluate and pick from a range of personal finance options, from credit card comparisons through to savings account comparisons . You will not find specific recommendations being given to products, but a clear and uncluttered easy to view display that allows you to make a judgement on the financial products being offered. To help you make the right choices we’ve compiled a list of common mistakes that we hope will help you make the best finance choice for your own situation.

Before you start your search

Each credit card provider has its strengths and its weaknesses and each person’s final choice is based on their own personal finance goals. If you have a track record of incurring extra charges on your credit card, it’s worth checking these charges against any new credit card agreement that you are going to enter into. For example if you need to withdraw cash from an ATM then most credit cards agreements will make two charges for the use of this service: one as a percentage on the amount of money that you withdraw, while the second is an APR on the money that you withdraw. It’s therefore worth writing down before you begin your search the essential features that you are going to need on your credit card so you have a good point of reference. Once you start looking through the offers it may become more difficult to distinguish between them once your search is underway as there are a number of offers available at any one time. This small step of preparation can save you time and money in the long-run.

Always Check APR’s

Bear in mind when looking at credit card comparison charts that APR quotes offered by banks are quoted typically for those customers that have high credit ratings. It’s therefore worth double checking the exact APR you will be expected to pay when signing up to any personal finance or business product. It will help you to avoid nasty surprises and keep you ahead of the game.

Credit card protection schemes

While buyer protection schemes are appealing we recommend that you also look at insurance providers to see what the cost might be to have buyer protection on your credit card incorporated into an existing policy, it might work out cheaper for you.

If you’re unsure take independent financial advice beforehand

Whether you are looking to compare your existing credit card with the market, or looking to change from a no annual fee credit card to a reward scheme credit card, we recommend that if you are unsure about what is going to be the best type of credit card for your own personal finance situation, that you also take advice from a financial expert. By following these simple steps you can be sure of picking the right kind of credit card for your own financial position.

Latest Finance News and Views from comparedinkum

Pay Down Debt Through A Consolidation Loan

According to the latest research, individuals who end up defaulting on a personal loan take an average of 326 days to pay off the outstanding balance. The research also suggests that Australian men are much more likely to default, accounting for 65% of all personal loan defaults. There are a couple of reasons for this, older households typically have bills which are in the man’s name and younger men tend be much more immature. In general, women tend to be better at creating and living within a budget. Continue reading

Call Your Bank And Get A Better Rate On Your Home Loan

It may be a little awkward to have the talk but what you will find that your tears could well end up being one’s of joy instead of sadness. 7 out of 10 Australian mortgage borrowers who negotiate with their lenders over interest rates are likely to be successful in bringing the rate down. Whilst that does sound encouraging, the bad news is not enough Australians are calling their banks to seek a better deal despite the fact that it will save them huge amounts of cash.

Continue reading

Developers Trying To Entice Young Australians Into Buying Their First Homes

The hardest thing about climbing the property ownership ladder for a young Australian is saving up for the down payment on their mortgage. One property developer in Western Australia has developed a plan that seeks to make that a problem of the past. The plan launched by Apartments WA is called Preposit and allows young Aussie home buyers to move into their apartment even before they have finished saving for their deposit. Continue reading

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