They have 2 great internet deals on offer, Broadband + ADSL Broadband and Naked ADSL. For futher details of these offers, see below.

Broadband + ADSL Broadband

At iiNet, we’ve built our reputation around delivering speed and value. Our national high-speed broadband network gives you access to ADSL2+ broadband speeds as fast as your line can go. We call this broadband2+. Our broadband plans start from $29.95 per month.

All iiNet Broadband plans come with:
- Access to the iiNet Freezone
- 10 email addresses & 1GB webspace
- Complimentary premium virus & spam email protection
- No excess download charges (shaped to 64kbps)
- 24/7 service and support
- A backup dialup account

Our standard setup fee of $79.95 applies to all broadband plans unless otherwise specified. Customers who sign up to a 24 month plan get up to $80 discount on new hardware

Naked ADSL

Liberate your broadband connection – go naked. iiNet Naked DSL delivers the high speed ADSL2+ broadband you love without the cost of landline phone rental. As well as saving on your line rental, you can save money on calls with Naked DSL. Your home telephone number becomes a broadband phone service called iiTalk that includes all your local and national calls (fair use policy applies). Naked DSL Plans start from $49.95 per month plus connection fee.

All Naked DSL plans come with:
- iiTalk broadband phone service
- Local and national calls included Australia-wide (Fair Use Policy Applies)
- 24/7 service and support
- No excess download or upload charges (shaped to 64/128kbps)
- 10 email addresses and 1GB web space
- Virus and spam email protection included
- Access to the iiNet Freezone

Apply Online

Financial Offers Include:

• Credit Cards
• Online Banking
• Personal Loans
• Home Loans
• Insurance

Telecommunications Offers include:

• Home Phone Deals
• Mobile Phone Deals
• Internet and Broadband Deals

Visit Best Internet Deals today to see some of the great deals on offer.

Many people have ongoing credit card debts which they are finding difficult to pay back. These outstanding credit card balances attract interest charges at high rates and can slow down the process of paying off your debt. Most credit cards have interest rates as high as 15 – 20%.

If you have a home loan and have money available for redraw, it makes sense to pay off your high interest credit card debt with money you redraw from your home loan. Home loan interest rates are currently around 4 – 8% which is much lower than that of credit cards. Many home loans do not charge to access money for redraw.

If you currently have a credit card debt of $10,000.00 and your current interest rate is 19.99%, you would be paying $1999 over the year in interest charges. Not to mention any compound interest if you are not repaying much. If you borrowed this money from your redraw facility at a low rate of only 5%, you would pay only $500 over the year in interest charges. This is a difference of almost $1500 over the year. Paying off your credit card debt using your redraw facility can mean the difference between thousands of dollars a year. Instead of paying $1500 in interest charges, you could use this extra $1500 to pay off the principal of the loan instead of throwing it away in interest charges.

Using your redraw facility is a great way to clear high interest credit card debts and pay off your debt faster.

So when is a rewards credit card not such a good choice? If you have a rewards credit cards and do not pay off your balance in full each month, then you need to carefully monitor you’re spending and repayment habits. You may find that any reward benefits you are receiving are negated by the interest charges you are paying.

Generally, a reward credit card will have a higher interest rate and higher annual fees than other types of credit cards.

To determine whether you’re getting a good deal from your rewards credit card, you should answer the following questions:

• How much is the Annual Fee for my credit card?
• What is my current interest rate?
• Add up your interest charges over a 12 month period
• Make a list of any rewards you have claimed

We all lead such busy lives that we often don’t have time to stop and question whether we’re getting the best deals. If you’re not clearing your balance each month, see how much you’re paying in interest charges. Chances are that the rewards you are receiving will be negated by your interest charges.

If you are constantly have an unpaid credit card balance and are paying high interest, you would probably be better off applying for a good low rate credit card. Sure you will not be getting the rewards, but you also will not be paying such high interest payments.

Giving up your rewards credit card can be hard. Many people find it difficult to let go, even when they know they will end up paying more just to get the rewards. Making a list can help you to put it all into perspective. You will be able to see clearly, just how much you’re paying out for your rewards and whether it’s worth it.

The best way is to compare credit cards to find the best credit card for you.

Firstly, always ask yourself the simple question – Do I need another credit card or store card?

Having multiple credit cards can cause certain problems:

Having many credit cards can affect your ability to be approved for a loan in the future. All credit limits are seen as a potential for debt. Even if you haven’t used this credit, it it still considered as a potential for debt.

Having multiple credit cards can tempt us toward overspending. This can increase our potential for getting into debt and can have a negative affect on our financial future.

Having multiple credit cards also means having to keep track of each account. We need to monitor monthly spending, credit card balances, interest rates and due dates. The more cards we have, the more we are likely to miss payments by the due date, and incur extra fees and charges.

Another thing to be aware of is that many store credit cards can have a higher interest rate. Having a higher interest rate and not paying your balance off in full could negate any possible benefits. Be sure to check out the current interest rate and the number of interest free days being offered. Also find out what the fees and charges will be if you miss a payment.

Credit cards can make our lives easier, but we need to learn to use them responsibly. Check out our Credit Card Tips for more ways on how to choose the best credit card.

The VISA Gift Card could be used anywhere a VISA card is accepted. Or so I thought.

When she received her card she was overjoyed. She really needed a new pair of shoes and quickly went to Big W to purchase them. Unfortunately, when she went to use her Gift Card the transaction was declined. She tried again at K-Mart and was told they did not accept it there either. A few months later she came to visit and told me about the card. We tried to use it at Bunnings and Woolworths with no success. We believed the card must have been invalid or not activated.

It was not until I went to the official website that I found out that the VISA Gift Cards were not accepted at either the Woolworths or Coles group of stores. Unfortunately this accounts for almost every shop that elderly people would visit including Woolworths, Big W, Dick Smith, Coles, Target, K-Mart, Liquorland and Officeworks. I was rather surprised.

“The Visa Gift Card is a prepaid card that can be used wherever Visa cards are accepted and processed electronically.*

*Excludes cash and cash equivalent transactions at ATM and over the counter at Financial Institutions, and gambling merchants, and a small number of merchants displaying the Visa logo who elect not to accept prepaid Visa Gift Cards, such as the Woolworths Group.”

“You or the lucky recipient can enjoy the flexibility of shopping at millions of different Visa locations around the world, including more than 550,000 locations in Australia. Please note that at present Woolworths and Coles Groups have chosen not to accept Visa gift cards.”

Prepaid Visa Card

Another thing which surprised me was that a $4.00 fee applies if you need to talk to someone for customer service. My reason for purchasing the VISA Gift Card was so that my mother-in-law could have great flexibility in choosing where to spend her money. How wrong was I. I should have researched this before.

I ended up having to use the gift card to pay my electricity bill online. Next time I will definitely buy a store card for her.

Credit card providers are in the business of making money. They provide us with so called generous offers such as minimum monthly repayments on our balance. Whilst sometimes helpful, these ploys can land us in a cycle of spiraling debt.

If used correctly, credit cards can reward us with a supply of free credit without incurring any interest charges. As long as we repay our credit card balance in full, we can avoid interest charges all together. However, this type of controlled spending on credit cards is in the minority. Most credit card holders choose to pay, or cannot afford to pay, more than the minimum monthly repayment.

Even those who use their cards wisely can get into trouble quickly. All it takes is a large unexpected expense such as car repairs or household maintenance to get you into trouble. If you are unable to clear this large debt within a month or two you will start to pay interest on this amount. The longer it sits there the more the interest charges will accumulate.

In recent years we have seen credit card debt spiral out of control. Many people are living beyond their means and rarely if ever clearing their credit card debt. The interest charges on this type of debt are very high.

This cycle of debt can be difficult to get out of. Firstly, you need to be aware of just how much your debt is costing you. You then need to make a decision to increase your payments as much as possible whilst cutting back on spending.

Other things you can do to help ease the situation is to look at transferring your existing debt to a low rate credit card. Another thing to consider is transferring your balance to a good balance transfer credit card. These options may give you a little time to clear some of the debt whilst reducing the amount of interest you will be paying back.

Whilst paying the minimum monthly repayment only can seem helpful in the short term, we need to be aware that it can be very costly in the long term. Even if you’re unable to clear balance each month, paying as much as you can will ensure that you avoid certain debt.

Citibank BP Mastercard

Big savings on petrol and purchases from BP and cash back on all other purchases as well as 2.9% p.a. for 12 months on balances transferred*.

• 5% off your petrol and everything else you buy at BP?
• Save 0.5% off all other purchases†
• A low rate on all credit card balances transferred br> — Generous credit limit up to $25,000#

More details on the Citibank BP MasterCard

Choose from the following types of insurance:

• Car Insurance
• Bike Insurance
• Health Insurance
• Life Insurance
• Income Protection Insurance
• Travel Insurance

Online insurance quite often offers the most competitive insurance rates. Be sure to check out Best Insurance Deals to see how you can save on almost every type of insurance.

• Home Phone & Mobile Phone
• Internet and Broadband
• Credit Card
• Online Banking
• Personal Loans
• Home Loans
• Insurance

With the tough economic climate, the competition for consumer dollars has never been greater. There is no shortage of great deals online.

This new website enables consumer to search, compare and apply online for the best offers on a range of services. Visit Best Internet Deals to day and start getting the best deals online.