News Australia

Big four banks to dish out refunds into bank accounts before June end

June 27, 2020 by Reporter Leave a Comment

No one gets money for free, but the refund from Commonwealth bank, Westpac bank, ANZ and National Australia Bank might be hitting your bank account soon.

Forget EOFY tax return refunds from the tax office, this is sweeter as you don’t have to apply for it, its your money getting refunded without any paperwork needed.

If you see this in your commonwealth bank account

Additional interest
refund
Value Date_ 25/06/2020

The refund posting may look different depending on which bank you bank with.

Fancy a $10,000 refund?

Refunds can be anywhere from couple of thousand dollars to even $10,000 or more depending on how many loans you have with the bank.

Why the refund ?

If you have a refund looking like above in your bank account you could have possibly got a refund related to remediation done on your home loan, refunding you amounts of interest that was wrongly charged by the bank.

This is due to the remediation the banks have been forced to do due to the government enquiry into banks and how they treat and charge their customers.

CBA Refund on home loan interest charges 2020 for COVID19

This is not a refund, but more like a payment for the interest on interest you get charged for your deferred home loan repayments. Australia’s largest bank will make payments to home loan customers impacted by coronavirus to offset interest charges.

When a home loan repayment is deferred for six months, interest is calculated and added to the loan balance each month which can result in customers paying interest on interest each month. Anyone having a home loan could possibly get this refund before end of June this year.

“This means for an average loan of $350,000, CBA will be refunding approximately $45 to offset the effect of interest on interest over the six-month period. Customer payments will vary based on their loan amount and interest rate.” Commonwealth bank representative said.

2020 – Big four’s Banks current relief packages for covid19

The four major banks in March announced they would allow home loan customers to defer mortgage repayments for six months as part of a $100 billion scheme with the Reserve Bank of Australia to alleviate stress on Australian households, as thousands are tipped into unemployment.

CBA – Following the end of the six-month pause, home loan repayments remain the same as before, with the loan term being extended. CBA will also make a one-time payment to offset the interest on interest being charged to customers over the deferral.

Westpac – Impacted customers are being offered a 3-month pause with the option for a further 3 months after review. Home loan repayments increase after the deferral, but the loan term remains the same.

NAB – Following the repayment holiday, home loan repayments increase, but the loan term remains the same.

ANZ – Customers can choose to keep the loan term the same or extend it by six months, with a review at three months, with both options likely resulting in mortgage repayments increasing after the pause.

Robodebt refund: June 2020

The Federal Government has announced it will refund more than $721 million dollars in wrongly issued Centrelink debts to over 373,000 Australians.

The incorrect debt collections made between the 2015/2016 financial year and November 2019 targeted individuals who had supposedly received more welfare than their income entitled them to.

The debts were automatically calculated by special algorithms without human intervention and became known as rob debts.

How do I get my robo debt refund?

If your eligible, the amount will get credited in your account, so update your details on mygov if not done already. Government Services Minister Stuart Robert said 190,000 individuals will be repaid starting from July 1.

Royal Banking Commission Australia

Started: 14 December 2017

Ended: 4 February 2019

The Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry, also known as the Banking Royal Commission and the Hayne Royal Commission, was a royal commission established on 14 December 2017 by the Australian government pursuant to the Royal Commissions Act 1902 to inquire into and report on misconduct in the banking, superannuation, and financial services industry.

2018 CBA Junk Insurance Refund

After the royal commission, refunds for 140,000 were said to be issued to CBA customers

Commonwealth Bank will issue $16 million in refunds to 140,000 people who were sold add-on insurance right before the bank’s ‘junk’ products become the subject of royal commission hearings.

“Consumer credit insurance” has been pitched to customers as a safety net that’ll help them meet their credit card or loan repayments if they lose their job, become sick, injured or die. The financial regulator characterises them as not of much value and consumer groups simply describe them as ‘junk’.

Consumer Credit Insurance. Consumer credit insurance (CCI) covers you if something happens to you that affects your ability to meet your credit repayment. You may be offered CCI cover by your lender when it approves your credit (such as a credit card, personal loan or mortgage).

Find more about this here- https://www.choice.com.au/money/insurance/insurance-advice/articles/commonwealth-bank-refund-16m-junk-insurance-royal-commission-080318

2016 -Recent Fee for no service scandal:

The sweeping scandals – tagged by ASIC as “fees for no service” in its landmark report in October 2016 – saw the big banks and AMP targeted for practices dating back years where millions of dollars in fees were creamed off accounts for financial advice never given.

Wealth management and financial advice industries were involved and investigated in the banking royal commission for this scandal.

Commonwealth bank Wealth package refund in 2015

This happened in 2015. If you held a wealth package, you could have got a refund. The Commonwealth Bank of Australia (CBA) was said to refund approximately $80 million to around 216,000 Wealth Package customers as compensation for failing to apply fee waivers, interest concessions and other benefits since 2008.

It equated to an average refund per customer affected of around $370, which includes interest. In this case bank staff had to manually apply many of the discounts available under the Wealth Package, which in some instances did not occur.

2017 – CommInsure refunding – CCP premiums

Commonwealth Bank and insurers QBE and Virginia Surety would repay a total of over $26 million to people who were mis-sold add-on insurance, including consumer credit insurance.

CreditCard Plus (CCP) Insurance protects customers’ credit card repayment obligations in the event of death, terminal illness, disability and involuntary unemployment.

Following a review of their records, they identified that CCP Insurance may have been sold to a number of customers who may not have been eligible for all the benefits when they bought their policy. Therefore, they were refunding the premiums paid by impacted customers.

More details here – https://www.commbank.com.au/insurance/creditcard-plus/faqs.html

2020 Westpac refund for small business – Merchant terminal fee relief

The Merchant terminal fee relief was a part of Westpac’s COVID-19 support package for Australian businesses, for 3 months, starting in April 2020.

All eligible merchant customers would have received their final refund payment and westpac are working to provide you with a GST adjustment note for tax purposes in the coming weeks.

Who is eligible? -Merchant customers with a total card spend of less than $5 million per annum.

More here- https://www.westpac.com.au/help/disaster-relief/coronavirus/business/merchant-terminal-fee-refunds/

2015 – 2019 Nab Refunds

NAB’s refund program was set up in 2015, however only about $300 million has been paid back to customers. IN 2015 National Australia Bank WAS SAID TOl refund A$25 million ($18.38 million) to around 62,000 wealth management clients who were wrongly compensated.

https://asic.gov.au/about-asic/news-centre/find-a-media-release/2015-releases/15-194mr-nab-wealth-refunds-additional-customers-following-asic-action/

In 2019 Nab was ordered to pay back money to customers for junk insurance given to customers by shoddy financial advice. This came about by the royal banking commission.

It now expects another of its remediation Project Hunt to be finished in October.

ASIC is currently overseeing more than 100 remediation programs expected to pay out more than $2 billion to consumers on top of the almost $1 billion that has already been returned. About $10 billion has been set aside by the industry for remediation programs.

Qantas refund /Airline refund/ Flight Centre Travel agent refund

Qantas and Singapore airlines have many destination flights from Australia and there are thousands of customers still waiting for refunds directly from the airlines or then from flight centre or travel agents.

Airlines have given a mix of “travel credit” “travel vouchers” flights for future and money refunds. Flight centre has attracted court action and being looked into by authorities for delay in them giving refunds to customers.

Those customers who have accepted a travel credit voucher may not be eligible for a refund of money, however those whose flights got cancelled will be able to claim a refund.

Delayed air ticket and hotel accommodation refunds by travel agents and airlines could lead to further legal action being taken by irate customers due to interest charges escalating on credit cards.

Qantas Refunds

https://www.qantas.com/us/en/book-a-trip/flights/compensation-and-refunds-policy.html

Singapore Airline refund

https://www.singaporeair.com/en_UK/us/travel-info/charges-changes/cancellations-refunds/

Flight Centre Refunds

https://www.flightcentre.com.au/support/bookings#my-options

https://www.accc.gov.au/media-release/flight-centre-to-refund-cancellation-fees

The ACCC has received more than 6000 complaints from consumers dissatisfied with travel companies’ refund policies and cancellation fees, with thousands more contacting their local state or territory fair trading agencies seeking assistance resolving individual disputes.

Qantas is refunding customers for flight cancellations after the ACCC COVID-19 Taskforce raised concerns with the way the airline had handled claims

CRUISE REFUNDS

COVID-19 has been called one of the worst things to happen to the cruise industry in decades.

Thousands of cruise customers from big cruise companies like Caribbean Cruise, Princess Cruise, Carnival Cruises and P & O Cruises are awaiting their refunds due to cancellation of cruises all over the world.

Most cruise liners though American owned, operate from overseas tax haven countries and so has been denied by USA for financial bailouts in the COVID19 Crisis times.

Most cruise liners are offering cruise credits to their customers leaving not many options to disgruntled clients.

Princess cruises

https://www.princess.com/news/notices_and_advisories/notices/refunds-and-future-cruise-credits.html

Royal Carribean Cruises

https://www.royalcaribbean.com/faq/questions/booking-cancellation-refund-policy

P&O cruises

https://www.pocruises.com/request

Carnival Cruises

https://help.carnival.com/app/answers/list/search/suggested/1

Reference Websites

Banks:

Westpac Bank – https://www.westpac.com.au/

ANZ Bank – https://www.anz.com.au/

National Australia Bank – https://www.nab.com.au/

Commonwealth Bank – https://www.commbank.com.au/

Government:

ASIC – https://asic.gov.au/

ATO – https://www.ato.gov.au/

APRA – https://www.apra.gov.au/

ACCC – https://www.accc.gov.au/

Search Keywords to Article:

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The Ultimate Guide to Hobart Cup Weekend for 2020

December 2, 2019 by Reporter Leave a Comment

The Hobart Cup is a race run over 2,400 meters and takes place each year in early February. The cup is deemed to be among the three biggest races that occur during the whole Tasmania’s racing schedule.

Prior to being held as a group 3 race, it had previously been placed in the group 2 category. It had been placed in this category for more than ten years, and to-date, it still happens to be among the few Group listed Tasmania races.

Traditionally, the race occurs two weeks before the Launceston Cup. It’s run at the same distance as this race and using the same set of conditions. It, therefore, acts as the perfect predictor of what will occur during the Launceston Cup.

Quick Facts on the Hobart Cup in 2020

Inaugural Race: 1875

Race Day: 9th February 2020

Track Location: Racecourse

Track Surface: Turf

Type: Thoroughbred

Grade: Group 3

Operator: Tasmanian Race Club

Prize Money: $200,000- $250,000

The Weekend

Thursday

The Hobart Cup weekend often begins on Thursday when guests start to arrive from different parts of the country. Given that there are different accommodation venues in the vicinity, it’s not hard to find somewhere comfortable to stay for the duration of the racing weekend. You can also spend your time on arrival to get to know and interact with the other visitors.

Friday

Friday is the day to head to the racing club for what is known as the replacement Trots meeting. This is a chance for you to see how well you can translate the information and knowledge you have on thoroughbreds to that of the Standardbreds. If travelling as part of a tour, you can rest assured that the tour organizers will do everything they can to make sure that you have the best views of the racing track.

Saturday

Saturday is often a day dedicated to learning the local region. You can use this day to check out the locality that comprises of the Peppermint Bay Cruise that will help you get a feeling of the real Tasmania. If you get to be a part of the cruise, you will get an opportunity to take in local sights such as the stunning d’Entrecasteaux Channel, the city and harbour views, the magnificent estuary along River Derwent, and the stunning local bay.

Sunday

Sunday is the main race day. The race often starts at 11:30 am. For those travelling as part of a tour, you can expect to view the race from the comfort of the Committee Room. It’s a room known to provide amazing views of what is happening in the racetrack below it. The races will continue all day before concluding at around 6 pm. This should leave you with enough time to sample the region as you reminiscence on the time spent in the region.

Hobart and Surroundings

Hobart provides a contrasting mixture of culture, scenery, world-class activities, heritage, and various attractions nearby. Hobart is nestled in the midst of Mt. Wellington foothills and is renowned for its ability to combine modern lifestyle with heritage charm in a setting filled with natural, exceptional beauty. This may explain the reasons why Lonely Planet once classified as among the top 10 places to visit in the globe.

During your free time, consider taking a short walk along the length of the Hobart iconic waterfront. From here you can grab a bus or a ferry upwards to Hobart’s iconic Museum of old and new art (MONA) to experience an art experience that is out of this world. The good news is that it’s only a short distance away from the track which means that you will be able to get back in time to watch all your favourite races.

5 Benefits of Performing Cyber Security Risk Management

April 29, 2019 by Reporter Leave a Comment

For the past few years, there are increased numbers of security breaches due to the advances in technology. Lack of proper security measures can lead to unauthorized access to the financial status of an organization and theft of client’s information. Moreover, important data can be lost. To prevent such risks, an organization not only need a great cybersecurity system but also a modern comprehensive cyber security risk assessment system.

Smart businesses ensure that they understand what is cyber security risk . They then integrate cyber security strategies into their organizational risk management policies. Their main aim is to prevent data loss, improve security measures, protect the network services and manage and control the active data. A company such as AusCERT, a leading Cyber Emergency Response Team (CERT), helps organizations to mitigate such risks.

Companies need to understand that cyber security risk management system has a huge impact on an organization’s ability to reach their goals. So here are five benefits of performing a cybersecurity risk management and prioritizing it.

Timely identification and mitigation of the cybersecurity risk

In order to manage cybersecurity risk, your team should be able to identify red flags. Such a team identifies any dangers to ensure that all the information is secure. Cybersecurity management measures involve identification of problems before they occur in order to determine the security measures to mitigate them.

Timely identification of potential risks involves monitoring the system for suspicious patterns and behaviors. They can also carry out cyber security risk analysis, and assessment to identify any gaps in the security of the system. Such measures lead to timely identification, and control or mitigation of the risks. Thus, it can help in preventing data leakages and ensure data protection.

Creates better IT support team

A company with an actual cybersecurity strategy and a protection solution in place means that your team will follow a specific protocol. They will use on-site measures and the established software combinations to react to system threats because they have the needed knowledge on what should be done.

Such a team will always be prepared in case of cybersecurity risks. Such a strategy and plan in place means that there will be less stress for the team working in this crucial department. Additionally, the working relationship will improve because there will be enough trained personnel to mitigate cybersecurity threats.

Reduces vulnerabilities

Fixing a patch after a data breach in a company takes time. Hackers or unauthorized people can take advantage of such vulnerability to steal important data. Cybersecurity risk management can help identify the risks and assist the company to eliminate or reduce the impact.

Identification of the problem means the threat is there and thus a proper cybersecurity assessment should be done. In order to address the problem in your company, you can design a separate department that facilitates and report on risk management.

Saves revenues

There are many types of threats out there that can lead to loss of profits from clients, fines and lawsuits. A DDoS attack on your system can completely shut down your company’s platform preventing engagements with clients, and online purchases and transactions. Despite that you will have to invest some revenues on a cybersecurity management system, they can greatly reduce losses due to attacks on your system.

Enhances your business reputation

A business thrives by keeping the clients’ interest in mind. One way to ensure that is through establishing trust. This virtue can be achieved by protecting your clients’ data. Lack of proper cybersecurity management systems can lead to data breaches which can cost you customers and finances. They also lower the reputation of the company due to its negative impacts. Thus a company that prioritizes the data security of their customers get more loyal clients, and experience success through doing more business.

A cybersecurity management plan and system are more than an option for a company. It is significant for the success and security of an organization. It is a responsibility for each team member including the leaders and technology team. No matter the company you may find yourself in, cybersecurity is a must in the modern world because it ensures information integrity and the trust of the employee and client.

About the Author:

Caroline Bird is a creative writer and digital marketer. She loves sharing her perspective, tips and how-tos related to productivity, business, technology, and SEO through her writing. Connect with Caroline via @bCarolinebird12

A Guide To Faster Internet Speeds

January 29, 2019 by Reporter Leave a Comment

Slow internet speeds can be frustrating. There has been an upsurge of media-content and websites and it is no coincidence a lot of people are experiencing slower speeds than usual. It takes a lot more time to load content than it did just a few years ago. While the problem could be your ISP, there are some controllable components that could be making your internet slower.

Types of Broadband

There numerous kinds of broadband connections. As an internet user, you should be aware of the broadband you’re using as the speed and bandwidth differ from one provider to another. The easiest way of knowing the type of broadband connection is by contacting your ISP.

Satellite: Just as the name suggests, data is beamed to a satellite in outer space and then bounced back to your ISP. The set up requires a transmitter and a satellite dish which is provided by the ISP. Speeds are usually slow because of the long distance that data has to travel. There is also the issue of weather interference which messes up the signal.

Cable: This connection goes through the coaxial cable. This is the typical line that brings shows to your TV. The networks are usually shared and the speeds will fluctuate depending on the number of users on the network. It is not strange for a household in the rural area to experience faster internet speeds compared to one in the city.

Optical Fiber: Optical is seen as a precursor of internet connectivity in the future. With Fiber Optics, data is transmitted through pulses of light through dedicated fiber lines. There are vendors who currently offer up to 1000 Mbps speeds which one wouldn’t have thought possible a couple of years ago.

Having known the different types of broadband connectivity, the next question would be how to make your internet faster with the controllable variables in play.

Router Placement

Ideally, the router should be placed in a central location. The router is the getaway between the home connection and your ISP and the location it is placed will play a big role in ensuring high internets. The router should be located where most of the connected devices are found. The router should be placed in an elevated position where there are no obstacles.

Restart Regularly

The Router should be restarted regularly for it to function at its optimum. While it might work throughout, sometimes the slow internet speeds can be solved by simply restarting the router. The process is known as power cycling and is meant to help the router in clearing the redundant data that has accumulated. The restarting will also enable the router to choose the less crowded channel thus improving the speeds.

Content Consumption

Most homes nowadays rely on the internet for content. The internet is used for watching movies, stream live sports events, watching 4K videos, and gaming. There are times when all these processes could be running at the same time which could slow down the internet connectivity. You should monitor what is being consumed and ensure that not all the processes are running concurrently.

Increase Wi-Fi Range

Sometimes the problem could be limited to the Wi-Fi range. This applies to big houses where there is a single access point and you lose the signal when you go upstairs. There are some DIY techniques like using tinfoil although it might not be very effective. An effective solution would be to add more access points in the home.

A foolproof way of extending the network is using a wireless mesh network system. It is a one-time set up that will go a long way in ensuring that every part of the home has internet access. The whole system can be controlled with an app.

Switch Broadband

If the internet is still slow, chances are high that the problem could be your ISP. It could be time to start comparing new NBN plans. You should make sure to check if the ISP is providing what you paid for. You can also look online if there are other people who are complaining about the services. A good ISP provider should provide high-speed internet and offer technical support in case of low speeds.

The Best Webhosting Deal For 2018 in Australia

April 20, 2018 by Reporter Leave a Comment

So What does it take to build a blog or a business website ?

For years having a high quality business website has been an expensive and often tiresome experience for small businesses until wordpress website software arrived on the scene.

Large businesses that can afford to pay the fees of $1500 to $10,000 for a custom unique website will still probably use the full traditional website option and pay this fees.

For everyone else who cant afford this initial outlay of money, there is now a much more cost effective, affordable and user friendly option called WordPress CMS. You can make a website by D.I.Y ( do it yourself ) or get someone to do it at a very low cost.

2018 – Best platform for websites

The very first thing you must decide is which blogging/website platform you wish to use. Without a doubt the most popular platform available today is WordPress. This Software is suitable for a blog or even a professional business website like.

Websites like CNN and MTV among others use this software for their website.
See How You Can Set Up a WordPress Blog in 15 Minutes at Bluehost.com

Here is what you need to Start a website with wordpress in 5 Steps:

Choosing a blogging platform, domain name, and hosting option.
Design your blog using a simple theme.
Modify your blog to get your desired look and feel.
Select the best plugins for your blog.
Write compelling content that adds value to readers.

This five steps if done properly will surely get you on your way to success quickly as you learn on your website or blog journey and keep climbing he ladder to success and perfection.

This process is made easy and supported well by one of the most popular Website CMS software called wordpress.

The wordpress.org organisation itself recommends bluehost as one of its preferred wordpress website hosting partners. One of the reasons this platform is so popular is the fact that it allows complete novices to set-up, build and customise entire blogs (or professional websites for that matter) with the click of a few buttons.

Below featured is the 4 day only $2.95 a month cheapest ever offer (link below) for wordpress hosting from bluehost. It wont last.

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Bluehost was kind enough to send me this special deal for my readers, due to being an ongoing customer and affiliate partner. If your looking to start a new blog or looking to get a spare hosting account ,this is just what you needed.

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The benefits and advantages of using WordPress as for a business site are quite simply MANY. Not only will a WordPress business site allow you to make all of your own site modifications without the need to pay for a designer but it also has huge advantages with SEO and support.

You can also add many optional or additional functions to your website yourself by just adding a plugin in a minute or two.

When you say you are starting a blog –

Why are you doing it?

For Money?
For Fame?
Passionate about writing?
Want to share your experiences about your expertise in a specific field of your interest?

If you’re new to blogging or on a very tight budget, you’re better off starting with a free blog with one of the providers below. Gain some experience writing regularly and promoting your blog before you decide to go for the paid option.

If you’re semi-professional or serious about earning money from your blog , or the blog is for a business/ club/group that wants extra features and has a bit of money to put towards it, a paid wordpress blog might be right for you.

Free blogging sites

Blogger.com (run by Google)
WordPress.com (also has paid blogs)
Tumblr.com
LiveJournal.com

READ MORE AT LINKS BELOW

Some more deals:

step by step guide to starting a wordpress website – http://www.digitalgrog.com.au/wordpress/how-to-start-a-new-wordpress-blog-in-5-minutes-without-breaking-a-sweat/
Detailed comparison of website hosting – http://start-a-website.info/wordpress-software/bluehost-hosting-2016-price-features-and-plan-comparison/
Special Budget deal for website hosting by bluehost – http://www.makewebsitetoday.com/get-premium-wordpress-hosting-for-just-35-a-year/
A godaddy.com Domain deal – http://www.digitalfrog.com.au/web-hosting-for-your-website-for-a-dollar-1/

Tags:[ how to start a blog australia ] [ how to start a blog and make money ] [ how to start a blog on wordpress ] [ how to write a blog]

Stay tuned for more helpful blogging tips. Stay safe /jeff

Get an exotic bet for Melbourne cup !!

November 4, 2013 by Reporter Leave a Comment

Can youturn $1.92 to $77,000 at the melbounre cup ?

Yes you can , in 2012 last year in just over 3 minutes a lucky female punter turned eight cents into $77,000 with the first four bet.

The first time online customer laid out a total of 1.92 on several combinations of bets , but it was the bet on the first four to win the Melbourne cup – in that order Green Moon ,Fiorente ,Jakkalberry and Kelinni.. which brought her the jackpot. The odds were really stacked up at 969,406 to one , but they punter went home happy.

So what kinds of bets can you play at the Melbourne cup?

About Fixed Odds Betting

Unlike Tote or tote betting, with Fixed Odds you know exactly how much you stand to win after you have placed your bet. Fixed Odds returns are quoted per $1.00 invested so to calculate your projected payout, simply multiply the amount you wish to invest by the current odds displayed for your selected outcome.

Eg if you bet $1 on the horse and curently the horse odds or payout for winning is $20 , then you get 1×20 = $20 if the horse wins

Multi Bet

Multi betting enables you to include a variety of sports and Fixed Odds options in one bet.

The return is calculated by multiplying the prices of each individual selection together to obtain a Multi return for that combination. A Multi selection is called a ‘leg’ and a sport-based Multi can contain anywhere between 2 and 10 legs.

Accumulator betting

This is a variation of the multi bet. Accumulator is a modified form of Multi betting. While Multi bets can be played across sports and bet types, Accumulator is played within one round of a nominated sport and within one bet type.

Accumulators can include 2 to 10 legs, dependent on the sport, and you make selections only in the games you wish to play.Like Multi betting, the return for an Accumulator is calculated by multiplying the individual returns of each selection together.

AFL, NRL, Union (Super 15) and Soccer (English Premier League) are the sports Fixed Odds is currently offering Accumulators on regularly.

You can download the latest document from the RWWA Legislation & Rules page for fixed odd rules

Download Fixed Odds Rules

Here is an offer if you looking to start an online betting account with upto $650 free bets on signing up online

How to join Online betting ore sign up

Below are the requirements for you to activate your account. In short or to summarise the requirement below , if you provide your current driver license which has a photograph and a passport or proof of age card , your account can be activated.

Required identification process documents.

Group One Documents (With Photograph)

Current Passport
Current Drivers License
Proof of Age Card

Any two Group 1 documents
One Group 1 and one Group 2 document
One Group 1 and one Group 3 document
One Group 1 and two Group 4 documents

Group Two Documents (Without Photograph)

Birth Certificate
Certified Copy of Birth Extract
Centrelink Pension Card

Plus one Group 3 document or Two Group 4 documents

Citizenship Certificate

Plus two Group 3 documents; or
One Group 3 and Two Group 4 documents Group Three Documents (issued within previous 3 months)

Council Rates Notice
Electricity Account
Gas Account
Fixed Line Phone Account
Water Usage Account
Water Rates Notice

Two Group 3 and Two Group 4 documents Group Four Documents (supplementary documents)

Medicare Card
Bank or Building Society Debit Card
Health Care Card (e.g., HBF, Medibank)

Some providers will not let you withdraw funds if you have opened your account and not provided paperwork within their timeframes.

The return of the Rudd – 2013

June 26, 2013 by Reporter Leave a Comment

Julia Gillard visited Governor-General Quentin Bryce to ask her to commission Kevin Rudd as Prime Minister after she lost the Labor leadership tonight 26/06/2013.

Ex Prime minister Kevin Rudd to be reinstated

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Kevin Rudd defeats Julia Gillard 57-45 in Labor leadership ballot, paving way for a return to PM

Labor caucus returning officer Chris Hayes informed the nation that Mr Rudd won the leadership ballot 57-45.

Treasurer Wayne Swan, Communications Minister Stephen Conroy, Agriculture Minister Joe Ludwig and Climate Change Minister Greg Combet have all announced they will move to the backbench

Crime linked to Asylum seekers by Liberal Party ad

April 16, 2013 by Reporter Leave a Comment

"Under Labor, crime is out of control in western Sydney," the ad states.
"If Labor can’t even control our borders, then how can they control street crime in our suburbs?"….Liberal ad links asylum seekers to street crime – ABC News (Australian Broadcasting Corporation)

The banner was posted on the Liberal Party of Australia’s Facebook page yesterday and was ‘liked’ by more than 680 people.

What this liberal ad did ?

"Putting boat people and crime in the same sentence”
Accompanying the text is an image of a boat at sea and a picture of police crime scene tape

The majority of the more than 430 comments on face book were critical of the ad, but others showed support or sought to explain the ad’s meaning.

While on other forums questionable comments have been made that will offend many people

2day fm in trouble over prank call Linked to suicide

December 13, 2012 by Reporter Leave a Comment

A prank call initiated DJs Michael Christian and Mel Greig has been linked to the death of the British nurse Jacintha Saldanha. Greig and Christian posed as the Queen and Prince Charles when they prank-called the hospital for details about Catherine, who was being treated for severe pregnancy-related nausea.

The nurse Mrs saldanah transferred the phone call to another nurse who divulged details about the duchess

Mrs Saldanha, a nurse at the Duchess of Cambridge’s hospital where the royals were taking treatment, killed herself after falling victim to the hoax or prank call by 2 day fm radio jockeys, and she has written a apparent suicide note to her family.

Statements made by DJs Michael Christian and Mel Greig that they were unaware of the approval process for prank calls. Rhys Holleran, the chief executive of Southern Cross Austereo, which owns 2Day FM, told 3AW’s Neil Mitchell the station tried ”at least five times” to contact the hospital
He has not explained why his employees then broadcast the call despite failing to obtain consent.
King Edward VII’s Hospital has denied being contacted by 2Day FM and the radio station has not released any phone records to prove that the calls were made.

Training sessions were introduced for radio personnel after the Kyle sandilands scandal in which a 14-year-old girl revealed on air that she had been raped and insensitive comments were passed by the radio jockey Sandilands. Facebook hate pages have also sprung up on him on Facebook. He has been re-instated to do radio programs since then

This is not the first time that radio personnel broadcasting over air has run into trouble , but this time with serious consequences. It is not know at this time if any criminal charges will be laid.

THE broadcast regulator will investigate the role of 2Day FM management and its Sydney DJs Mel Greig and Michael Christian in this prank call that has resulted in a death.

Section 6.1 of the code of practice states: “A licensee must not broadcast the words of an identifiable person unless: a) that person has been informed in advance or a reasonable person would be aware that the words may be broadcast; or b) in the case of words which have been recorded without the knowledge of the person, that person has subsequently, but prior to the broadcast, expressed consent to the broadcast of the word.”

During an address to parliament overnight British Prime Minister David Cameron paid tribute to Ms Saldanha and indicated that investigations into her death would continue.

India gets warnings on chinese telecom firms Huawei and ZTE

December 8, 2012 by Sheldon Leave a Comment

Indian Research body C-DoT has dialled and informed the telecom department to bar Chinese network vendors Huawei and ZTE from bidding and putting in tenders in the communication ministry’s Rs 20,000-crore broadband venture involving the roll out of a national optic fibre network (NOFN) that will take high-speed internet in India to new levels.

Huawei, ZTE Security warning in India for optic fibre bidding

A top research wing of the government has raised concern over two Chinese companies, primarily engaged in telecommunications equipment and services in the country

Ref: http://www.timesnow.tv/

The research body, in an internal note or memo to the Indian telecom secretary R Chandrasekhar, says India must keep Chinese telecom networks – Huawei and ZTE out of sensitive government projects in the aftermath of a recent US congressional report that warned both Chinese gear-makers pose a security threat to telecom networks worldwide.

The Indian agency C-DoT has urged DoT to allow 100% domestic sourcing of GPON gear for the NOFN venture by tweaking preferential market access (PMA) norms, in light of “a 22% cost disadvantage for electronics manufactured in India compared to imports”.

What is National Optical Fibre Network ( NOFN)

Project to be implemented by NOFN‐SPV namely Bharat
Broadband Network Ltd (BBNL).
Govt. of India to fund the project through the Universal Service
Obligation Fund (USOF). Rs. 20,000 Cr.($4B)
Suitable Tri‐partite MoU to be signed by GOI, State Govt & BBNL