成都桑拿网,成都夜生活论坛 成都楼凤性息论坛

How to get the most bang for your Easter egg buck

14/01/2019 | 成都桑拿 | Permalink

ns are expected to buy 3000 tonnes of chocolate this Easter – and that’s just at Coles.
SuZhou Night Recruitment

At Woolworths, Easter chocolate spending is up 5 per cent from last year, amid expectations that 13 million chocolates will sell, while Haigh’s Chocolate plans to sell 4.5 million Easter eggs and 50,000 Easter Bilbies.

Post estimates ns on average will spend more than $72 each buying sweet treats online.

‘s three major supermarkets have been responding to ‘s increasing appetite for chocolate this year, with aggressive discounts hitting shelves well in advance of the Easter weekend.

“I’m a bit of a bargain hunter,” said mother-of-two Elizabeth Post, who estimated she will spend $100 on chocolate this Easter.

“I’ve already bought some eggs and I bought them because they were 25 per cent off at Woollies. Now I’ve got the next couple of days to check out the prices at Aldi.”

A consumer survey by ME Bank last year found around 48 per cent of ns planned to spend up to $50 on Easter eggs, while almost 20 per cent planned to spend double that amount.

n annual sales of “seasonal chocolate” (Easter and Christmas holiday seasons) forecast to increase from 5800 tonnes in 2016, to 6700 tonnes by 2021.

Mrs Post said she usually did her Easter chocolate shopping in stages so it did not “look so scary”. !function(e,t,s,i){var n=”InfogramEmbeds”,o=e.getElementsByTagName(“script”),d=o[0],r=/^http:/.test(e.location)?”http:”:”https:”;if(/^\/{2}/.test(i)&&(i=r+i),window[n]&&window[n].initialized)window[n].process&&window[n].process();else if(!e.getElementById(s)){var a=e.createElement(“script”);a.async=1,a.id=s,a.src=i,d.parentNode.insertBefore(a,d)}}(document,0,”infogram-async”,”//e.infogr.am/js/dist/embed-loader-min.js”);

“We really don’t go overboard … We usually have an egg hunt in the morning with the kids and then another in the afternoon with our extended family,” she said, adding that it was hard to avoid in-store marketing for chocolates at the supermarket.

“It is frustrating when you are at the register and the kids can see [eggs] right there in front of them. But I guess it’s good marketing.”

This year Woolworths estimates it will sell more than 13 million Easter chocolates, up more than 5 per cent on 2016.

“NSW is expected to be the biggest chocolate shopper in 2017, after purchasing around a third of the total Easter chocolate sold last year,” a Woolworths spokesman said.

Among the best value offering at Woolworths is the 100-gram Cadbury Dairy Milk hollow egg for $3, and the 250-gram Cadbury Dairy Milk bunny for $4.

German discount chain Aldi is offering a range of exclusive chocolate brands as well as other mass-market labels.

From its exclusive range, Aldi’s 125-gram Dairy Fine chocolate bunny is 99?? (79?? per 100 grams).

Alternatively Aldi is also offering a 175-gram Mars gift box for $8.99 ($5.14 per 100 grams).

At Coles shoppers are opting for larger packs over individual eggs.

The best value options at Coles include the 500-gram bag of Coles-brand solid milk chocolate eggs for $5 ($1 per 100 grams), and the Cadbury Crunchie egg gift box, which is 205 grams and retails for $8 ($3.90 per 100 grams.)

Shoppers seeking the best value for money on chocolates this Easter may be best served shopping around.

While a 500-gram bag of mini eggs at Aldi costs $5.39, the same product under the Coles-brand is a slightly better deal at $5.

However those after chocolate bunnies will be better served at Aldi, where the 125-gram Dairy Fine bunny is 79?? per 100 grams, half the price of that offered at Woolworths and almost 40 per cent cheaper than the Red Tulip Elegant Rabbit at Coles, which is $6 ($2 per 100 grams). Latest consumer newsInteract with us on Facebook – Savvy Consumer

Every time he had an excuse’: Unlicensed builder up to old tricks

14/01/2019 | 成都桑拿 | Permalink

Carol Nicol Photo: SuppliedCarol Nicol trusted the builder she had hired to renovate her home to do a good job while she shuttled her teenage son, who has cystic fibrosis, to and from hospital.
SuZhou Night Recruitment

The builder did an acceptable job of ripping things out, but Sam Robinson’s next steps caused her great grief.

He had removed the bulkhead in the bathroom ceiling, which voided her home insurance, failed to replace door handles, which left her stranded outside, and had not passed on payments for the stacked stone fireplace, which left a debt collector on her back.

“I have to regularly take my son Tony to hospital, and he took advantage of that, not doing any of the work we paid him to do,” said the mother-of-three from Hinchinbrook, in Sydney’s south-west.

“Every time I questioned him, he had an excuse, a sob story: someone was sick, he had a slight heart attack, the stores were closed.”

NSW Fair Trading is urging the public to not deal with Mr Robinson, also known as Bassam Marouche, who might be seeking building work despite not possessing a licence.

He has two companies: ATS Group (NSW) Pty Ltd and BMF Building Consultants Pty Ltd.

The consumer watchdog issued penalty notices to Mr Robinson in 2014. In 2015 and 2016, it prosecuted him in court.

In August, he was ordered to pay $28,800 in fines and costs and $28,000 to a consumer by Parramatta Local Court.

He will soon appear again in court for a final sentencing in relation to an offence under the Crimes Act.

“He has a track record of defective work, failure to carry out work, and failure to return money, and anyone transacting with him may end up having to pay a whole lot more,” said Fair Trading Commissioner Rod Stowe.

“We want people to have nothing to do with him. We’ve had nine complaints about him [in the past five years].”

Ms Nicol made 21 payments totalling $39,000 to Mr Robinson – 30 per cent more than the original quote – between November and March.

His main job was to renovate two bathrooms. Despite four months of work, they were left unusable – the taps fell off, the toilet leaked and shoddy wiring in the ceiling short circuited the house.

She is now forking out another $40,000 to repair the damage and realise her dream home.

“I’m lost for words, how can another human being do that? How does he sleep at night? He’s done this before, so hasn’t he learnt his lessons?” she said.

“What’s worse is that he knew I was regularly taking my son to the children’s hospital, so he knew I wouldn’t be home, and he’d lie about when he arrived or the work he was doing.”

Increased enforcement action saw 200 defendants hit with $1.4 million worth of fines and penalties for 463 offences under the Home Building Act last year, up from $1 million the previous year.

Mr Stowe reminded the public to only deal with licensed builders. Consumers can visit Fair Trading’s website to check builders’ licences, see what type of work they’re authorised to carry out, and view their track record.

“The top warning signs are builders asking for deposits above that mandated by the building act, asking for continuing payments when work hasn’t started, and making constant excuses,” he said.

“Anyone who has had problems in their dealings with Mr Robinson and his companies, or has information about his continued operation, should contact Fair Trading.” Latest consumer newsSavvy Consumer – Interact with us on Facebook

How to avoid squeeze of rising mortgage rates

14/01/2019 | 成都桑拿 | Permalink

SUN HERALD NEWS MORTGAGE RATES Pic shows Shell Cove residents Graeme and Kim Perry who were on a 12 months intro deal of 3.59 per cent with a smaller lender and the rate reverted to 3.99 per cent. Graeme rang his lender and asked for a better deal and his lender reduced his interest rate to 3.73 per cent. Pic to go with a story on lenders increasing interest rates on their mortgages and what borrowers can do. 7th of April 2017 Photo: Adam McLean Photo: Adam McLeanMortgage costs are going up.
SuZhou Night Recruitment

Although the Reserve Bank cut the cash rate twice during 2016, lenders have been increasing their mortgage rates. And experts are predicting more out-of-cycle increases.

But haggling can pay off, as Graeme and Kim Perry, who live just outside Wollongong in NSW, have found.

The couple’s home loan was on a 12-month introductory or “honeymoon” rate of 3.59 per cent with a smaller lender.

At the time they signed up for the mortgage the “revert” rate was 3.84 per cent. But by the end of the honeymoon period the lender had increased the revert rate to 3.99 per cent.

“At the end of the 12-months they cranked it up it up to 3.99 per cent and I was none too happy,” says Graeme, a 44-year-old who works in sales.

“I told the lender that they are advertising mortgage interest rates that are cheaper than mine.”

He pointed out to the lender that he and Kim have substantial equity in their home and they had never missed a repayment.

After a couple of discussions on the phone and hinting strongly that he was prepared to switch to another lender, there was still no joy.

But after Graeme initiated the switching process, the lender reduced the interest rate to 3.73 per cent.

Anyone who has not checked what their lender is doing and how that stacks-up against other lenders could easily be paying more than they need to. Rising rates

The latest round of “out-of-cycle” increases over March has mostly affected property investors. That’s because the banking regulator has been forcing lenders to tighten lending to investors, who are behind the rapidly rising house prices in Sydney and Melbourne.

But mortgage rates for owner-occupiers are on their way up as well. The latest round of rate increases during March saw the big four banks’ standard variable rates for owner-occupiers average 5.29 per cent, figures from RateCity show.

Three of the Big Four have increased their standard variable rates by up to 0.07 percentage points during March, while ANZ has not increased its variable rate for owner-occupiers.

An increase of 0.07 percentages adds $261 a year to repayments on a $500,000 mortgage over 30 years, RateCity says.

All of the big banks have made big increases on their mortgages for investors and also have made big increases on interest-only mortgages for owner-occupiers.

Most of the increases are of the order of 0.25 percentage points, which adds $1250 a year in repayments on a $500,000 mortgage over 30 years.

Smaller lenders have mostly followed suit, though they still have lower interest rates than the big banks. Ask for discount

Sally Tindall, a spokeswoman for comparison site RateCity, says some smaller lenders start with rock-bottom interest rates and, as a result, don’t give themselves much leeway to offer discounts.

The big banks usually have more capacity to discount, she says.

“The big banks offer a wide variety of discounts based on loan-to-valuation ratio, borrowing size and history of repayments.

“The ‘ideal’ borrower can get up to 0.9 percentage points off their banks’ standard variable rate,” Tindall says.

“And, if you are content with the most basic home loan offering from one of the big banks, then you could get a rate that is over 1 percentage point lower.”

However, basic loans may not have an offset account or allow you to make extra repayments. Offset accounts can save a fortune in interest. They are attached to the mortgage, where the balance in the offset account is deducted from the balance owing on the mortgage for the purpose of calculating the interest payments. More rate rises

Experts are expecting more out-of-cycle mortgage rate rises.

That especially after figures from CoreData this week showed “dwelling” prices, houses and units, rose by almost 19 per cent in Sydney over the year to March 31 this year and by almost 16 per cent in Melbourne.

This week Reserve Bank governor Philip Lowe blamed the too generous tax breaks for the property investors as well as lax bank lending standards for the explosion in Sydney and Melbourne home prices.

The n Prudential Regulation Authority, which regulates lenders, has been requiring lenders to tighten lending to investors for the past two years, but it may have to do even more to slow the growth of investment loans.

“I think that there is the potential for even more rate rises, particularly from more of the smaller lenders,” says Mitchell Watson, the research manager at Canstar.

And with the official cash rate set by the Reserve Bank at a record low of 1.5 per cent, the next change in interest rates, when it comes, could well be up, Watson says.

Almost 90 per cent of 36 economists and other experts told a survey by comparison site, Finder, that they expect the next move in the cash rate to be up.

Most of the experts say the out-of-cycle rate hikes by lenders allows the Reserve Bank to hold-off for longer before increasing the cash rate.

However, a rate rise isn’t likely to occur for some time with 70 per cent of the experts believing a rate rise won’t occur until 2018.

Shane Oliver, the chief economist at AMP Capital Investors, says that for the Reserve Bank to hike rates just to slow the Sydney and Melbourne property markets at a time of softness elsewhere would be “madness”.

“The arguments to cut or hike rates are evenly balanced and we can’t see an official rate hike until the second half of 2018,” Oliver says.

Canstar’s Watson says borrowers should be making sure that they have the capacity to meet repayments if there are higher interest rates. Get a better deal

While the big banks have standard variable owner-occupier rates of 5.29 per cent, on average, there are many smaller lenders who have rate of well under 4 per cent.

Reduce Home Loans’ Rate Buster Standard Variable is the lowest variable rate loan for owner-occupiers listed on Canstar’s database at 3.39 per cent.

Though you may never of heard of Reduce Home Loans, it is regulated to the same standards as other lenders.

Even though fixed rates have also been on the way up recently, there are still some competitive fixed rate mortgages at the moment. For example, the big banks have three-year fixed rate for owner-occupiers of just over 4 per cent.

Smaller lenders have three-year fixed rates of well under 4 per cent.

Some borrowers prefer fixed rates for the certainty of repayments, but they are less flexible than variable rate mortgages. If you have to break the fixed rate period because you want to upgrade, for example, you can be up for the economic costs to the lender of breaking the loan, depending on what interest rates have done in the meantime.

Mortgage Choice says fixed rate home loans accounted for only 21 per cent of all loans written by its brokers in March, down from 22 per cent in February. “Given that home loan interest rates are rising, I am somewhat surprised to see a fall in fixed-rate demand,” says John Flavell, the chief executive at Mortgage Choice, which has the biggest network of mortgage brokers in .

Flavell says fixed rate demand could potentially increase as more borrowers look to lock-in a fixed rate and therefore beat any future rate hikes. “There is no doubt that interest rates will continue to rise over the short to medium term. As and when this happens, I think we will see more borrowers looking for interest rate stability and security,” he says.

The $300m GST grab hardly anyone knows about

14/01/2019 | 成都桑拿 | Permalink

To tell this tale properly, I have to publicly confess to buying a very expensive coat for my husband’s birthday.
SuZhou Night Recruitment

Doubtless some people will poke fun of my extravagance, or even be offended by it. But, dear reader, I’m willing to sacrifice myself in order that I can write a useful column for you about GST on imported items.

n retailers have won the long-running debate about whether consumers should have to pay GST when they buy from an overseas website.

Since the introduction of the GST in 2000 ns have copped the tax if they spend more than $1000 from an overseas website.

Not many people realise that from July 1 this year, they’ll also have to pay GST on items worth less than $1000, plus digital products such as movie streaming, e-books, apps and games and services such as architectural and legal services. Details are on the Tax Office website.

Some people call it the “Gerry Harvey tax” since Harvey, the co-founder of Harvey Norman, was one of the most vocal agitators for extending the GST to all overseas purchases to create a “level playing field” for local retailers.

It was a particular issue for his business when the n dollar was at parity with the US, where consumer electronics are much cheaper.

It’s also going to boost the government’s coffers. The 2016-17 federal budget reported the new rules would increase GST revenue by $300 million over the forward estimates period to 2019-20.

A Treasury spokeswoman says the GST for low-value items and digital products and services will be collected at point of sale.

Any supplier that makes at least $75,000 in annual turnover from n sales will be required to charge GST. Suppliers using an online marketplace that exceeds that turnover will also be included, regardless of the size of the individual seller.

That’s less hassle for consumers but the risk is that many overseas retailers may decide that the compliance costs are too high and it’s not worth the bother.

Meanwhile, the Treasury spokeswoman says there are no proposed changes to the current arrangements for goods worth more than $1000, where the GST is paid by the consumer before the goods are released by Customs.

This is the category I fell into, and the experience was eye-opening. This is where I have to come clean about the size of my recent purchase.

The price tag for my husband’s coat was ??697.50, including delivery from the UK. That translated to $1148.95 on our n bank statement. (I showed him the coat online and we have a joint bank account, so I’m not destroying any great marital mystery here).

Before I go on, I will say in my defence is that it’s not an everyday purchase and it’s a very beautiful, high-quality coat that will last for years.

Buying one coat for a significant sum of money is less environmentally damaging than buying several cheaper ones for less. That’s something I care about.

And I also believe it will work out financially. If he wears it every week day throughout winter for just one season, it would be $17.40 on a cost-per-wear basis. That’s less than many items of fast fashion that people buy from the likes of H&M.

In reality he’s unlikely to wear it literally every day, but he won’t retire it after one season either. I told him I expected him to wear it for 10 years and he countered that he hoped to pass it on to our son one day. We’ll see how we go.

But I digress. This was actually the first time I’d bought anything for more than $1000 from an overseas retailer online, so it was the first time I’d paid GST on an overseas purchase.

I could see when I paid for it that the British retailer had removed VAT from the purchase price, and I was vaguely aware that I would be contacted before delivery to arrange payment of GST.

What I didn’t realise was that GST was only a small portion of what the n government would sting me for.

The GST rate is 10 per cent so I was expecting a bill for $114.90. That’s what it would take to make it a “level playing field”, right?

The actual bill from Customs, via delivery service UPS, was $277.33.

The GST component was $128.73 – I have no idea why it was an extra $13.83 but let’s not quibble.

There was also a customs entry fee of $83, a duty/tax of $54.65 and a security fee of $9.95. All up that’s about 25 per cent in tax!

Obviously there was not much I could do about it by this point, so I paid up. It felt a bit like the coat was being held to ransom by Customs.

Delivery was prompt, though I was shocked that UPS then left the box on our front porch, against the retailer’s terms and conditions. I’m all for that most of the time – there’s nothing worse than queuing at the post office to sign for something worth all of twenty bucks.

But a coat that’s come all the way from England at a total cost of $1426.28? Nah, she’ll be right mate, just leave it on the front steps. I mean Sydney’s just a big country town, right? Hmm.

Anyway, all’s well that ends well, and I have the coat ready to give to my husband this weekend. I hope he likes it. Next year he’s getting a book!

Caitlin Fitzsimmons is the editor of Money and a regular columnist for the Sydney Morning Herald and The Age. Find her on Facebook or Twitter.

Bryan Rose, the buyer of Mosman’s most expensive $22.5 million house

14/01/2019 | 成都桑拿 | Permalink

SuZhou Night Recruitment

What’s hot in Sydney’s new homes this spring

Mosman estate of Ying Li nudges North Shore record, selling for about $22.5 million

Easybeats guitarist Harry Vanda sells Rose Bay house for $15 million

The secret $22.5 million buyer from the eastern suburbs who recently bought Mosman’s most expensive house is revealed as Bryan Rose, the son of multimillionaire Bob Rose who now heads up the family’s property development giant Rose Group.

The purchase marks a triumphant return to Mosman for Rose, who grew up in the harbourside suburb and lived in the Balmoral Beach trophy home Seacliff.

The waterfront property is set on one of the suburb’s largest privately held holdings and was sold last week by little-known Ying Li, from China, who had left it largely untouched and vacant since it last traded in 2012 for $20 million.

Details on the sale have been shrouded in secrecy thanks to strict gag orders on agents Mark Manners, of Simeon Manners, and Monika Tu, of Black Diamondz Concierge, but Rose has been a regular on the house-hunting trail in recent months, shopping for waterfront accommodation close to schools on the lower north shore.

Settlement will confirm the exact sale price, but it is understood to have topped an underbid of $22.3 million.

Sources say Rose has already started tidying up the garden of the Vaucluse home he bought almost a decade ago for $4.62 million, which would time in well with a post-Easter sales campaign.

Talk of an eastern suburbs buyer actually moving to Mosman left high net worth watchers stumped given the challenge involved in luring such buyers over the Harbour Bridge, but made sense when it was revealed Rose had grown up on the lower north shore.

Rose’s new Beauty Point estate includes a main residence with a swimming pool, tennis court, slipway, boatshed, tidal beach and a separate guest house. There is already talk of subdivision plans for the estate to create another two new dwellings on the waterfront.

It was the home of retired car dealer Laurie Sutton for 35 years after it was sold in 1977 for $376,960 by the late television presenter and quiz show host Bob Dyer and his late co-star wife Dolly.

Rose Group was founded by veteran property developer Bob Rose in 1976, and his son Bryan is joint managing director with his brother Stuart, who upgraded from Darling Point to a $15.5 million waterfront home in Rose Bay two years ago.

A few months after Sutton sold in Mosman, he set a Palm Beach house record at $19 million, buying the Kalua trophy residence.

Given the tight circles that Sydney’s uber-wealthy move in it is perhaps unsurprising that Sutton’s Palm Beach home is two doors from the Rose family’s summer getaway, which in turn is next door to Gretel Packer’s weekender.