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Choose term deposits wisely
14 December 2009 |
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| Advisors recommend that investors wanting a term deposit shop around, ask questions and choose wisely because TD products vary and returns can be affected by making the wrong decision.Interest rate returns are generally highest for term deposits with the longer terms. Currently some term deposits for 12 months terms are paying 6.8 per cent and above. But having to ask for your money back early, because of unexpected circumstances can be costly, in terms of interest lost.The same applies to the amount invested in a term deposit. Higher interest rates can apply to higher amounts of money locked away, but put too much away and the investor could be risking having to ask for some back early.Don’t just compare the big bank term deposit products. All deposit products from Authorised Deposit taking institutions, such as credit unions and building societies are guaranteed free of charge by the federal government for amounts up to one million dollars. The guarantee ends in October 2011, less than two years from now.Check terms and conditions for what the institutions does when the maturity is up – do they reinvest the money at a lower rate, the same rate or do they contact you to make a choice? |
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| Source : The Daily Telegraph |
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| 24 December 2009 | - Banks giving rate discounts |
| | - Companion cards all the rage |
| | - Dual cards rack up rewards points |
| | - USaver promises to have highest rates |
| | - Small biz owners fight equipment lease scam |
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| 23 December 2009 | - Aussie Post denies banking ambitions |
| | - Longest balance transfer offer ever |
| | - ANZ paying bonus rates now |
| | - Credit Suisse wants to grow in Australia |
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| 22 December 2009 | - No doom and gloom for property in 2010 |
| | - Property market strong at xmas time |
| | - Use interest free to avoid debt hangover |
| | - TD rates at all time highs |
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| 21 December 2009 | - Consumers choosing the savings button |
| | - ME Bank ratings up |
| | - Half want to switch loans |
| | - Rate rise fears ease |
| | - Three years hard labour says Kelly |
| | - Strong auction results to finish the year |
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| 18 December 2009 | - Credit unions are safe and competitive |
| | - Credit unions expand ATM network |
| | - Inquiry into small biz lending coming soon |
| | - NAB to become king of super |
| | - Bridging and short term loans available now |
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| 17 December 2009 | - Competition is back - the game is on |
| | - Non-bank lending to return in 2010 |
| | - Abbott says re-regulate the banks |
| | - Westpac defends rate rise |
| | - Flighty depositors are a risk for banks |
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| 16 December 2009 | - Credit Unions grab home loan market share |
| | - RBA tipped to hit pause on rate rises |
| | - Rate rise pause won’t last long |
| | - Victoria driving housing boom |
| | - Kelly inflicts brand damage on Westpac |
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| 15 December 2009 | - Lenders use dirty tricks to keep borrowers |
| | - Westpac borrowers face high fees to exit loans |
| | - No Westpac borrower will lose their home |
| | - Westpac not the Jetstar of banking |
| | - Bank brands gain value, except NAB |
| | - Personal loans better for debt consolidation |
| | - Super funds to get simpler |
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| 14 December 2009 | - Banks doing deals on deposits and loans |
| | - Blue collar suburbs going upmarket |
| | - Westpac CEO under pressure over rate rises |
| | - Govt abandons underquoting ban |
| | - Melbourne, Sydney auction results up again |
| | - Sydney, Melbourne lead property recovery |
| | - Property – still time to grab a bargain |
| | - One billion dollars of property sold in Melbourne |
| | - Ratings outlook downgraded for Rabobank’s AAA |
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| 11 December 2009 | - Fourth rate rise due in February |
| | - Opposition threatens the banks |
| | - Teachers CU undercuts RBA rate rises |
| | - Home loans under six per cent |
| | - Term deposits rates not sustainable – get in now |
| | - Low fee, low rate Visa with rewards |
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| 10 December 2009 | - Confidence falls as rates go up |
| | - 1 in 100 behind on their mortgage |
| | - Home building boom coming in 2010 |
| | - Suncorp and Bendigo join ATM networks |
| | - Debit card fraud reaps big profits |
| | - Extra pass codes can defeat card fraud |
| | - ANZ aims to be number one farm lender |
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| 09 December 2009 | - Investors still paying sales commissions |
| | - Mortgage interest rates to hit 8.5pc |
| | - Home lending surges up |
| | - Term deposits – time is right to invest |
| | - Credit cards to get more secure |
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| 08 December 2009 | - Bendigo raises mortgage rates |
| | - Customers not just another number at Bendigo |
| | - St George raises rates by 0.39pc |
| | - Westpac focused on service, not price |
| | - Westpac boss avoids big rate hike |
| | - 50,000 Westpac customers in debt trouble |
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| 07 December 2009 | - NAB mortgagees $30 better off |
| | - Commonwealth and ANZ jack up rates |
| | - Auction clearances slow down for Christmas |
| | - Melbourne leads property boom times |
| | - Plan for Christmas card debt now |
| | - Term deposit with cricket tickets |
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| 04 December 2009 | - NAB toes the RBA line |
| | - NAB declares mortgage war on Westpac |
| | - Ubank jumps ahead in 1 year term deposits |
| | - Westpac all alone with rate rises |
| | - Mortgages just keep getting bigger |
| | - Property investors emerge from gloom |
| | - Westpac executives reward themselves |
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| 03 December 2009 | - NAB does the right thing |
| | - Banks set the new rate setters |
| | - Banks holding fire on rates |
| | - Rate rise nets $230M for Westpac |
| | - Anger building against Westpac |
| | - ME Bank is building a branch network |
| | - Salary package a new car with ME |
| | - Bouris returning to mortgages |
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| 02 December 2009 | - Deposit rates are historically high |
| | - Westpac gives borrowers a slap in the face |
| | - Westpac puts rates up across the board |
| | - RBA may hold rates here |
| | - House prices going up but due to fall back |
| | - Aussie property not expensive |
| | - Sydney Melbourne house prices outperforming |
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| 01 December 2009 | - Westpac borrowers jipped an extra 0.20% |
| | - Mortgage market still dominated by Westpac, CBA |
| | - Deposits flowing to NAB |
| | - Banks focus on small business |
| | - CBA streamlines small biz lending |
| | - D-Day for Latrobe Credit Co-op members |
| | - Aussie banks face Dubai debt defaults |
| | - Westpac borrowers jipped an extra 20 basis points |
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