The PRWIRE Press Releases http:// 2016-09-15T01:08:42Z Introduction of MOB+ Wireless Kill Switch to Australia 2016-09-15T01:08:42Z introduction-of-mob-wireless-kill-switch-to-australia The Maritime Safety Store, Sydney Australia, is pleased to announce the introduction of MOB+ Wireless Kill Switch and Man Overboard system to Australia. The MOB+ is a revolutionary and award winning marine safety product created by Fell Marine of Norway. The MOB+ Wireless Cut-Off Switch consists of only a few items. A xHUB, a xFOB which can be worn inside the wristband, lanyard or on your lifejacket or in your pocket. The xFOB is placed in the wristband, the xHUB is installed in the boat. The principle which the MOB+ function is based on, relies on a wireless connection between the xFOB and the xHUB. If the connection is broken, either because the user falls into the water, or distanced him/herself 50 feet from the boat unit, the engine will stop instantly. An extra safety feature is that the engine can be restarted after six seconds, allowing the others onboard to quickly rescue the person in the water.Stuart McDonald at The Maritime Safety Store: “We are extremely happy to bring Fell Marine products to Australia making their lifesaving and hi-tech safety products available to the Australian boating community”Make contact with The Maritime Safety Store for information about buying the MOB+ in Australia! Tickets on sale now for QLD's elite 4WD and outdoors expo 2016-07-19T03:55:05Z tickets-on-sale-now-for-qld-s-elite-4wd-and-outdoors-expo Tickets to the much-anticipated Explore Australia Expo on Fathers-Day weekend, 2 – 4 September 2016, are on sale now. The event, which is considered one of the best outdoor leisure exhibitions in the country promises exhibitors and visitors alike an unparalleled combination of entertainment, education, products and services at its new home, Doomben Racecourse, Brisbane. Paul Morgan, Director and Event Manager, Explore Australia Exhibitions says “we have created the ultimate ‘spy, try and buy’ experience for seasoned travellers, novice adrenalin junkies, well-travelled 4 x 4 and outdoor adventure lovers and mad-keen fisherman alike and we have put this all together to create the perfect Fathers-Day weekend.” “Visitors will be able to see, handle, compare and buy the best products and accessories around. They will also get to hear from some of the most experienced and knowledgeable outdoor adventurers, witness products and services in action and have access to special offers and amazing deals right along the way.” Explore Australia Exhibitions will be offering regular giveaways and promotions via its Facebook page and every visitor through the gate will have the chance to enter major prize draws including a TJM Explorers Pack, valued at $5,000 thanks to TJM 4x4 Megastore and an Ironman Deluxe Bullbar valued at $1,295 thanks to Adventure Offroad. With over 17,000 people attending the inaugural event in 2015, Explore Australia Exhibitions encourages people to get their tickets early. “Last year we were overwhelmed with visitor numbers, so this year we are encouraging people to purchase their tickets online, and take advantage of our online ticket discount,” says Paul. In addition, online ticket purchasers will be offered extra chances to win, with every online ticket purchase entering the draw to take home a fishing and outdoor package valued at $1000. “Online ticket holders will still be able to enter the major prize draws, but we’ve added the extra incentive to purchase online so visitors can avoid the queues and spend more time spying, trying and buying,” says Paul. The overwhelming attendance in 2015, was part of the decision for Explore Australia Exhibitions to move the event to the iconic and exciting Doomben Racecourse for 2016. “The site not only offers more usable exhibition space but is only 7kms from Brisbane city and has the added advantages of direct road access, free parking and nearby public transport,” Paul said. With increased exhibition and interactive display space, a revitalised program of events and the opportunity to take home some incredible prizes Paul says the show is the perfect place to find inspiration for outdoor adventure and the perfect place for dads this Fathers-Day. “There will be five highly integrated and functional precincts at the event including; a dedicated 4x4 showcase area with key 4x4 accessory exhibitors; a dedicated fishing and boating showcase area with key fishing and marine manufacturers and accessory exhibitors; medial areas with vehicle manufacturers, adventure pursuits and sites offering combined auto/camping/outdoor displays and products; a main-stage featuring free seminars, guest appearances, presentations and competition draws; and an entertaining, informative, and interactive 4WD and ATV test and display track, offering off-road stunts and racing, new vehicle test drives and key 4WD and off-road demonstrations.” Explore Australia Expo’s refreshing layout offers unique experiences and unprecedented access to some of the best brands all in one location and is shaping up to be the best outdoor leisure expo in Queensland this year. Further information on the Explore Australia Expo, Brisbane can be found at Explore Australia Expo Brisbane or by following us on Explore Australia Expo Facebook or Explore Australia Expo YouTube For exhibitor enquiries call the Explore Australia Expo Sales Team on 03 5255 1517 or e-mail info@exploreaustraliaexpo.com.au For ticket purchases head to Tickets for Explore Australia Expo Brisbane 2-4 September 2016 <ENDS> Media Enquiries: Sara Crowe, C7EVEN Communications, 0438 197 559 Pepper joins forces with St Kilda Football Club 2015-11-26T22:17:47Z pepper-joins-forces-with-st-kilda-football-club MEDIA RELEASE  27 November 2015 St Kilda Football Club has spiced up its corporate partnerships by announcing financial services provider Pepper Group Limited (‘Pepper’) as its new principal partner.     As one of Australia’s leading non-bank lenders, with a growing global presence, Pepper offers a range of consumer finance products and services, including home and car loans, and complements St Kilda Football Club’s existing line-up of exciting brand partners. Pepper’s relationship with ‘The Saints’ is in place for the next three years.   Patrick Tuttle, Co-Group CEO of Pepper, said: “As a founding club of the Victorian Football League, St Kilda has a strong heritage in the AFL and Pepper is excited by the opportunity to be associated with such an iconic Australian sporting organisation.    “As a club, The Saints proudly supports ambition, celebrates achievements and encourages all who are connected with it to aspire to its philosophy of ‘How I Want To Be’. These values are mirrored in Pepper’s culture, where we believe that everyone deserves the help and guidance necessary to realise their personal and financial goals.”    St Kilda Football Club CEO, Matt Finnis, welcomed Pepper Group to The Saints: “There is so much positivity surrounding our club and having an international business like Pepper join us and commit to being part of the journey we are taking is fantastic.” Pepper is seeking to boost awareness of its brand in key AFL states nationally and in particular, Victoria. The loyal St Kilda fan base represents the type of customers Pepper typically works with to help them get ahead in life, whatever their circumstances.    As part of the partnership announcement, Pepper will also unveil its new consumer-facing brand ‘Pepper Money’, which will be introduced over the course of 2016.     Commenting on the new brand, Pepper’s Co Group CEO, Mike Culhane said: “Following an extensive, and ongoing, period of acquisition, growth, and an ever-expanding suite of lending products, Pepper is embarking on a comprehensive rebranding exercise to better explain what products we offer to consumers.”   “To be named principal sponsor of St Kilda is a defining moment in Pepper’s story, bringing our brand to a wider audience of sporting fans in Victoria and across Australia, as well as expanding on our existing sporting relationships with the Western Sydney Wanderers and as naming rights sponsor of Pepper Stadium.”   Pepper is the only financial services brand to be associated with St Kilda and shares the principal partnership role with Dare Iced Coffee.    Ends    For more information, please contact DEC PR on behalf of Pepper Group: Joanne McIntosh or Sarah Bullen  02 8014 5036 | pepper@decpr.com.au    About Pepper Group Pepper Group (“Pepper”) is Australia’s largest non-bank residential mortgage lender (as measured by total assets under management), is a leading provider of specialty residential mortgage and consumer financing, and a highly experienced third-party loan servicer and asset manager. Pepper is listed on the Australian Securities Exchange (ASX:PEP) Worldwide, the Group currently has approximately A$36.8 billion of loan and lease assets under management (comprising prime and specialist residential mortgages, commercial mortgages, equipment leases, small business loans, consumer loans and car loans).  Pepper Group now comprises approximately 1,400 employees worldwide and has offices in Sydney, Parramatta, London, Dublin, Shannon, Madrid, Singapore and Seoul. Since establishing itself as a specialist residential mortgage lender in the Australian market in March 2001, Pepper has originated more than A$5.7 billion of specialist residential mortgages in Australia. It also commenced originating commercial auto & equipment finance in April 2013. In August 2011 Pepper acquired GE Capital’s Australian and New Zealand mortgage lending businesses, which comprised a portfolio of approximately A$5.0 billion of Australian and New Zealand residential mortgages. This transaction was one of the largest whole loan transactions in Australian history. Pepper’s current wholesale funding partners in Australia include Commonwealth Bank of Australia, National Australia Bank and Westpac Banking Corporation. In addition to lending and servicing its own residential mortgage and consumer finance portfolio, Pepper provides third party primary and special servicing across various types of mortgages, leases and unsecured loan products. Pepper is jointly led by Co-Group Chief Executive Officers, Mike Culhane and Patrick Tuttle. Mike and Patrick are focused on ensuring Pepper continues to leverage its core credit underwriting and loan servicing expertise both in its home market of Australia and other underserved markets in Europe and Asia. Pepper is regulated by the Australian Securities & Investments Commission (“ASIC”) in Australia. Pepper Finance Corporation (Ireland) is regulated by the Central Bank of Ireland (CBI) in Ireland. Pepper Savings Bank is regulated in South Korea by the Financial Supervisory Service (FSS). Pepper is ranked by S&P as a “STRONG” Residential Loan Servicer and is included on S&P’s Global Select Servicer List. 5 tips on using a solar charger for your mobile phone 2015-10-23T02:24:51Z 5-tips-on-using-a-solar-charger-for-your-mobile-phone Having a solar charger for your mobile phone or tablet means you can recharge your gear anywhere the sun shines. Perfect for travel, camping and most of all emergencies. Remember summer power failures, anyone? Imagine a holiday with no flat battery moments but instead the convenience of your camera and mobile phone fully usable anywhere. Solar power for your mobile devices also means you are taking less power from the grid – saving the planet one recharge at a time AND saving money. Here are some tips for getting the most out of your solar charger, whether this is for camping or everyday. 1. To increase the efficiency of your solar charger, make sure the panels directly face the sun at all times. As the sun moves across the sky throughout the day, adjust your solar charger accordingly. Pop it onto the car console or dashboard while driving to catch some rays. Leave it on the window sill at home through the day so you can recharge off the grid at night. 2. If you are charging through a window, windscreen, etc, be aware that the charging times will be increased especially if your windows are tinted. 3. A great way to use a solar charger for your mobile phone or tablet while camping or bushwalking is to WEAR IT! Strap it to your backpack and recharge your portable battery anywhere you go. Then its on hand to charge up your phone, camera, GPS or the kid’s iPod (so you can enjoy the serenity a bit longer). 4. The power of the sun’s rays depend on the season, as during summer the earth faces more directly towards the sun. So charge times can vary depending on the season where you are. The time of day is also an important factor to consider when using your solar charger. You will get the best performance when the sun is at the highest point in the sky, usually at noon. In fact, an hour charging at Noon will give better charge than a few hours later on the same day. 5. Extreme weather can affect your solar charger’s efficiency, so if its baking hot, protect your charger from until its a little cooler, ideally less than 45deg C. Powered Life www.poweredlife.com.au has solar chargers from leading brands including Powertraveller. From the waterproof Powermonkey Expedition or to the family sized pairing of Powergorilla + Solargorilla, from waterproof Powermonkey Extreme 12V to the all-in-one Solarmonkey Adventurer, we have a solar charger to suit your lifestyle and mobile devices. Christmas Gift Ideas for people who love technology 2015-10-23T01:43:49Z christmas-gift-ideas-for-people-who-love-technology Picking the right gift for family and friends who love technology just got easier, with the release of new ideas to help them take their favourite device away camping, to school or even to work. Mophie H2Pro case for iPhone 6/6S and Lifeproof Fre Power Case have it all: military-grade tough, waterproof and dropproof tough case, with inbuilt rechargeable battery pack, so you get 100% extra battery life built into your case wherever you go. Powertraveller Powermonkey Expedition solar charger is a revolution in portable charging technology, bringing together multiple ways in which to naturally, yet efficiently generate power - all housed in strong, aluminium, waterproof casing. The waterproof (IP65 rated) powermonkey expedition houses a 10,500mAh lithium polymer battery which can be charged in three ways; via hand-powered crank, solar or via the international AC mains charger. Does your home or office have multiple devices to recharge every day? A charging station can charge up to 5 devices from one powerpoint. Griffin PowerDock 5 and BlueFlame 4 Device Charging Station can save space, time and sanity. Educational technology toys mean the kids won’t realise they are learning while they have fun. Osmo Game System brings iPad into the physical play, with interactive games for creative thinking and problem solving. LittleBits Electronics, including kits on space and Arduino, teaches them about circuitry, leading them to robotics, coding and much more. Working with iPad is so much easier with an inbuilt keyboard in a protective case. Zagg Slim Book case for iPad Air 2 has backlit keyboard to make working that bit easier, even in low light. Powered Life helps you maximise your mobile technology – whether you are a school with iPad and laptop fleets to manage, or a family that needs to kidproof its iPads, as well as businesses large and small. Protect your devices with the choice of best brand protective tough cases while recharging anywhere with solar and portable power. Reduce admin cost and time of managing multiple devices in your school or business with charge-sync solutions. Find out more at www.poweredlife.com.au or call 1300 POWER 4 (1300 76937 4), email hello@poweredlife.com.au. Live a powered life! Power up your Dad this Father's Day 2015-08-21T03:15:16Z power-up-your-dad-this-father-s-day Dads come in all sorts of shapes and sizes, and spend their time doing different types of things. Here are some great gift ideas for YOUR kind of Dad. Sporty Dad If Dad likes to bike or hike, he might like to take his mobile phone with him. MAMILs (middle aged men in lycra) often like to record their hard-earned kms so waterproof phone kit with a mount to keep it safe while he works the pedals is a great gift. Lifeproof has waterproof, drop proof, dust proof cases for mobile phones – so they are also Dad proof – including iPhone 6 and iPhone 6 Plus, Samsung’s Galaxy S5 and Galaxy S6. iPod users get protected too. Add on an optional mount kit so Dad has his phone on his bike, car, boat - anywhere.   Business Dad Mophie’s range of powered cases for mobile phones is legendary. Yes, you read right: built-in back-up battery in a protective case. Flick a switch and recharge anywhere. Stock available right now for iPhone 5/5S, iPhone 6, iPhone 6 Plus as well as Samsung Galaxy S5. Lifeproof makes Dad even more powerful (get it??) with a waterproof PLUS powered case. Perfect for the endlessly busy Dad, the clumsy Dad; the travelling or tradie Dad. If Dad likes to recharge more than just his phone, check out the Mophie Powerstation XL which can recharge 2 devices at once, from its 12,000mAh rechargeable battery pack. Or a ruggedised powerstation with the Mophie Powerstation Pro, with a 6000mAh power bank that is drop proof and water resistant.   Adventure Dad Does Dad like to get out there in the wilds? Powertraveller portable power gear means Dad can venture far, while keeping in contact with his world, with solar and rechargeable power packs. Powermonkey Explorer 2 is crushproof, waterproof while Powermonkey Solarmonkey Adventurer has endless power for mobile devices. For the hardened explorer, the brand new Powermonkey Expedition power pack includes solar and hand crank recharge options. For the Dad who ventures overseas, the BlueFlame World Charger plus Portable Battery Pack can make simple work of recharging devices, with a single AC adaptor with international pins, plus a detachable portable pack to keep him recharged anywhere. Powered Life www.poweredlife.com.au helps you choose where to work or play. Use your mobile phone, tablet or notebook - anywhere, any time - with top brand portable power and tough cases for mobile devices including Lifeproof, Mophie, Powertraveller and much more. Solar chargers, waterproof mobile phone cases, kid-proof iPad/tablet cases. Glider Yachts Partners with Aalco Metals 2015-07-06T10:07:58Z glider-yachts-partners-with-aalco-metals Glider Yachts Limited, a new British luxury yacht manufacturer, has announced today that it has partnered with Aalco Metals to supply all of the major aluminium components for its SD18 sports yacht, which is currently being built by Burgess Marine and is to be publicly launched at Monaco boat show this September. "Glider Yachts’ mission is to become the world’s leading supplier of high-performance, luxury superyachts and to this end we have assembled a team of highly innovative partners and suppliers, who are devoted to excellence and are regarded and accredited as being the best in their particular field," said Robert McCall, Managing Director, Glider Yachts. Aalco supplies metals to the marine industry of the world’s highest marine standards and has provided specialist services to customers in this sector and allied industries, for many years. The metals for the debut Glider Yacht is being supplied from Aalco’s dedicated marine kit fabrication facility in Southampton, UK. "Aalco was selected as our metals supply partner due to the firm’s impressive track record in the marine industry and we are thrilled to be working with such an innovative leader in its field," continued Robert McCall. A particularly important and unique part of the Aalco offer is the company’s expertise in supplying marine ‘kits’, supplied shaped to size and ready for immediate assembly at the point of delivery, essential for this type of marine build. Simon Barron, General Manager, Aalco said: "Aalco is delighted to have been selected as the metals supplier to Glider Yachts, which is a very unique and exciting design that we are proud to be involved with." "Our unique approach means that the boat designer provides drawings that Aalco imports into our sophisticated cutting equipment. This produces precise cut pieces that are individually numbered and ready for welding. Our capability means that we can nest the component parts for the most efficient yield from the plates. Aalco supplies rider bars, bulb bars, keel sections, standard angles, channels and tees - indeed everything needed so that an entire hull, deck and superstructure can be built from a kit all sourced from the same supplier," continued Simon Barron. Aalco supplies ‘kits’ for many leading yacht manufacturers and recent interest from far eastern markets will continue its growth. Ends Notes for editors: There are a selection of accompanying images: Aalco  & Glider Yachts partnership celebration at Glider Yachts’ HQ – from left to right, Clive Bush – Aalco Metals, Southampton, Simon Barron, General Manager, Aalco Metals Southampton & Jeremy Chase, Aalco Metals, Southampton. About Aalco Metals Aalco is one of Europe’s largest independent stockholders, processors and distributors of Aluminium, aluminium extrusion, transition joints (Triplate®), stainless steels and copper alloys. It specialises in the supply of semi-finished metal products including bar, sheet, plate, tube, custom die extrusions and forgings to the marine, oil and gas and high tech industries. Aalco offers a complete processing service including plate and bar sawing, guillotining, waterjet, router and laser profiling. Its inventory covers a wide range of grades/alloys, shapes and sizes – both industry standards and special or bespoke items for particular applications or customer requirements. With offices in 18 locations around the UK including Southampton, Norwich, Hull and Aberdeen, all of which currently service the marine industry, Aalco is able to utilise its extensive distribution network to deliver guaranteed delivery on time and to customer specification. Please see www.aalco.co.uk for more information. About Glider Yachts Glider Yachts is a new British luxury yacht manufacturer, headquartered in London with build partners in Southampton, England. The company has a clear mission to become the world’s leading supplier of high performance, luxury sports yachts, and to deliver a more cost-effective and ultimately more comfortable, efficient and sustainable way of navigating the world’s oceans. Please see www.glideryachts.com for more information. To download high resolution images please see here: http://bit.ly/GliderYachtsImages MEDIA CONTACTS Glider Yachts Europe – E: glideryachts@brazenpr.com | UK: +44 (0)161 923 4994 Middle East – E: glideryachts@brazenpr.com | Tel: UAE on +971 (0)4 428 0939 Asia Pacific – E: glideryachts@spherepr.com.au | Tel: Australia on +61 (0)2 8006 2960 USA/Americas – glideryachts@brazenpr.com | Tel: USA on +1 (786) 374 2429 Aalco - UK Simon Trott, Shaw & Underwood PR E: simontrott@shawandunderwood.co.uk  - Tel: +44 (0)121 454 5584 Guide To Loan Pre Approval 2015-07-02T23:09:38Z guide-to-loan-pre-approval Getting pre approved for a loan before you commit to buying your new car, motorbike etc. is an increasingly popular way to organise your finances. But how do you organise a loan pre approval and what are the advantages of arranging your financing in advance? To help you decide whether it's right for you here's our complete Guide to Loan Pre Approval. At www.LoanPlace.com.au you can use our Information Resources and Free Quote Service to find the very best Car Finance deals for your individual circumstances. What is a Loan Pre Approval? A loan pre approval means that you have an agreement with a lender that they will provide you with a loan for an agreed amount for an agreed purpose in advance of you making a purchase. So instead of finding a car, for example and then seeing if you can obtain a loan for it you already have the loan facility in place before you go shopping.   Why Get Pre Approved? There are a number of advantages to getting your loan organised in advance. Here's some of the main reasons why getting pre approved can benefit you:    1. Better Planning & Preparation - You have time to consider your requirements and shop around without being rushed into making a decision. 2. Effective Budgeting – You can determine your budget in advance and stick to it. By pre arranging your loan based on how much you want to spend you remove the chance of making impulse buys and spending more than you can afford. 3. Improved Negotiating Position – When your finances are already in place you put yourself in a stronger negotiating position. You're not relying on the seller (e.g. car dealer) to organise the financing for you. Also, If they can’t get the price to fit within your pre arranged budget you walk away and shop elsewhere. It’s amazing what can happen once the seller realises that your serious about your best offer! 4. The Power of Cash - For all intents and purposes you are a cash buyer. Your money is organised and you're ready to go. This makes you a serious buyer in the eyes of the seller. Once they know that you're in a position to buy today the chances are you'll get their undivided attention! 5. Quick Response - With your loan already organised you can move quickly when you find what you want, which means that you don't lose out to another buyer due to the time that it would take to organise your finance. 6. Greater Choice – Compare a range of different banks and finance companies in advance so you can see what's available and get the best deal for your individual circumstances.   How do you Organise a Loan Pre Approval? These days many banks and finance companies can organise a pre approval for you if you approach them directly. However, more and more people are now working with Qualified Finance Brokers to arrange a loan pre approval. That way you can deal with an expert who searches the market for the best deals, negotiates with lenders on your behalf and handles the application process for you.   Find the Best Loan Pre Approval Deals Using the tools and resources at www.LoanPlace.com.au and working with a Qualified Finance Broker can help you to find the very best Loan Pre Approval deals for your individual circumstances. Loan vs Lease 2015-06-26T02:50:50Z loan-vs-lease Do you want to know the differences between a loan and a lease? Are you wondering what's the best way to finance your next car purchase? Our Loan vs Lease analysis will help you to understand the pros and cons of each method so you can decide what's best for you. At www.LoanPlace.com.au you can use our Information Resources and Free Quote Service to find the very best Car Finance deals for your individual circumstances. How Does A Car Loan Work? A car loan allows someone to borrow the money to buy a car. Car loans are usually secured, which means that the lender (e.g. bank, finance company) uses the car as collateral and registers an interest (also known as an encumbrance) to show others that they are using it as security for the loan. If the car loan is unsecured then the lender does not use the car as security. The Key Benefits Of A Car Loan: Equity – Loans can be much more effective for building equity, which means that once you've paid the loan you have value in the car. Additional payments – Generally, loans give you more flexibility to make additional payments and pay off early. Multi-purpose – With an unsecured loan you can use the loan amount for more than one purpose, for example part of the loan could be used for a car and part could be used to pay off a credit card balance. Financing minus equity - if you are trading in an car which is already financed and you owe more on this loan than the car is worth you may be able to include this minus equity amount in with the new loan for the car that you’re buying. Potential tax benefits* – If you are using the car for business purposes there are various tax benefits potentially available to you in relation to the interest charges that you pay. How Does A Car Lease Work? A lease allows someone to use a car for a given period in return for rental payments. The user of the car does not own the car. The Key Benefits Of A Car Lease: Low Repayments – By financing the GST exclusive price and including a residual value (balloon payment), which offsets an amount until the end of the lease term this can reduce your repayment and frees up more of your cash. Low Deposit – You can get the car that you want with $0 or minimal deposit, so you don't need to tie your cash up in the vehicle. Change Car More Often - By making repayments on a lower amount leasing can give you the option of a shorter payment term so you can change and update your car more often Effective Budgeting - With a maintained lease you can opt to include all scheduled servicing, fuel and maintenance costs, such as registration renewal and replacement tyres within your lease. This means that one repayment covers all of your main running costs enabling you to budget more effectively. Potential tax benefits* – If you are using the car for business purposes there are various tax benefits potentially available to you in relation to the lease payments that you pay. Pay from pre-tax income* – With a novated lease you can pay your lease and maintenance costs out of your pre-tax income and potentially benefit from the tax advantages associated with this.  Find the Best Car Finance Deals No matter whether you decide that a loan or a lease is the best option for you then using the tools and resources at www.LoanPlace.com.au and working with a Qualified Finance Broker can help you to find the very best deals for your individual circumstances. *We strongly recommend that you consult your accountant or tax advisor to confirm the tax benefits available to you prior to entering into any finance agreement. The information provided is not intended to be used as taxation, financial or legal advice. Borrow Or Pay Cash? 2015-06-11T23:51:45Z borrow-or-pay-cash-1 Thinking about buying a car? Got the cash sat in the bank to pay for it but not sure whether to use it to buy a car? Wondering whether to save for your next car or take out a loan? You may find the answers that you're looking for in our Borrowing vs. Cash Analysis. There's no right or wrong answer, it really depends on your circumstances. At www.LoanPlace.com.au you can use our information resources and tools to find the best Car Loan for your circumstances. This guide will help you to understand the pros and cons of borrowing and using your own cash so you can choose the best option for you. The Advantages Of Borrowing Buy Now & Use Now – Borrowing can enable you to have the car that you want or need now and have all the usage benefits instead of having to wait to save to accumulate enough cash to purchase it outright. Buy At Today's Prices – Borrowing enables you to buy at today’s prices. If you need to save over a prolonged period of time car prices may well rise due to inflation and other factors which would mean you having to pay more. Don’t Lose Investment Returns – If you use your own cash then you need to consider the return that you lose when you withdraw your cash from where it’s invested and use it to buy an asset. Often the interest you pay to borrow compared to the compound interest that you’d generate by keeping the cash invested is minimal. Establish A Credit History - if you haven't borrowed before, starting with a car loan can be a great way to establish a credit history which can help you to secure loans down the track when you need them.  Flexible Deposits - most mainstream car loan providers have a minimum loan amount of around $5,000. This means that you can set up a loan which allows you to use cash as part payment and a loan for the remainder. Shop Like A Cash Buyer – With pre-approved finance you can shop around for the best car price and negotiate with sellers with your money already pre-arranged. Potential Additional Protection – There can be additional protection available if you use finance that uses the asset as security. If you have issues with the quality of the asset you may be able to get some assistance from the lender in the event of a dispute with the supplier. Potential Tax Benefits* – If you are using the asset for business purposes there are various tax benefits potentially available to you in relation to the interest charges that you pay.   The Advantages Of Cash No Interest Or Fees – When you use your own cash there’s $0 interest or fees to pay. Complete Ownership – Unlike with some types of finance where ownership of the asset is transferred to you after the final payment is made and where there is the possibility of repossession if you miss payments when you buy with cash the asset is yours from day one. Easy Re-Sale – If you want to sell the asset it’s a simple process as you don’t need to worry about having to organise for any outstanding finance to be paid out. Strong Negotiating Position – With your funds already in place you’re in a position to buy immediately which can put you in a strong bargaining position with the seller.   Find the Best Car Loan Deals If you decide that borrowing is the best option for you then using the tools and resources at www.LoanPlace.com.au and working with a Qualified Finance Broker can help you to find the very best Car Loan deals for your individual circumstances. *We strongly recommend that you consult your accountant or tax advisor to confirm the tax benefits available to you prior to entering into any finance agreement.  The information provided is not intended to be used as taxation, financial or legal advice. Car Loan Refinance Guide 2015-06-04T06:28:19Z car-loan-refinance-guide With interest rates dropping to record lows it's not surprising that many people are looking at their finances and considering if they can find better deals. But what does refinancing your car loan actually involve and what are the pros and cons?  At www.LoanPlace.com.au you can use our Information Resources and Free Quote Service to find the very best Car Loan Refinance deals for your individual circumstances. Here's our complete guide to Car Loan Refinancing: What is Refinancing? Simply put refinancing involves taking out a new loan to pay off the existing loan.  How does Refinancing work? Refinancing works by replacing the loan that is currently attached to your car, whether you replace the loan with another loan from the same lender or more commonly with a loan from a different lender. Why Refinance? Your circumstances or the market conditions may have changed since you took your loan out and you may feel that there are better deals out there for you. The main reasons to consider refinancing your car loan include: 1. Lower Interest Rates - take advantage of a lower interest rate to help you save money on the amount of interest payable over the term of the car loan. 2. Lower Repayments - reduce your car loan repayments. 3. More Flexibility - gain additional features, such as the ability to make additional payments towards your car loan. 4. Longer Loan Term - extend the term of your car loan beyond the period that you initially took the loan out over. 5. Loan Security - change from an unsecured or secured car loan. 6. Type of Loan - change the type of car loan that you have to reflect your current circumstances. For example, you may have originally taken the loan out as a business loan when you were self-employed but you're now employed and want a consumer loan or you may have taken out a novated lease but have changed jobs and your new employer doesn't offer salary sacrifice arrangements. 7. Credit History - get a better, more flexible car loan once you have established an improved credit rating. 8. Variable Interest Rate - switch to a fixed rate to ensure that you have a fixed monthly car loan repayment and more effective budgeting.  9. Unhappy with Lender - transfer to a lender that provides you with better service. Things to Consider Fees - Exiting your current car loan early will usually mean that you incur some early termination fees from the lender. In addition, arranging a new car loan will normally involve some set up fees. You'll need to understand how much these fees are and factor them into your calculations to help you determine whether refinancing is a good option for you. Interest - If you plan to refinance your car loan over a longer period than is remaining on your current loan this may result in you paying more interest in total even if you switch to a loan with a lower interest rate. Range of Lenders - not all banks and finance companies are prepared to refinance a loan from another lender. Some lenders will flatly refuse to refinance, whilst others will judge applications on a case by case basis.  Top Tips 1. Try and keep the new car loan term as close as possible to the remaining term on your original loan. This way you will avoid falling into the trap of paying additional interest charges. 2. Refinance to a car loan that allows you to pay additional payments. Paying extra towards your loan when you can will result in you paying your loan off more quickly and reducing the total amount of interest payable. 3. If you're refinancing to reduce your car loan interest rate make sure that the rate difference is substantial. The benefit of refinancing for the sake of 1-2% on a typical car loan could easily be eaten up by the fees that you have to pay to exit the original loan and set up a new loan. 4. Use a Finance Broker. Access a wide range of Banks and Finance Companies through one point of contact and use the Broker’s experience of different lender’s requirements to find the best refinancing solution for you. Find the Best Car Loan Refinance Deals Using the Tools and Resources at www.LoanPlace.com.au and working with a Qualified Finance Broker can help you to find the very best Car Loan Refinance deals for your individual circumstances. 5 Key Factors To Consider When Looking For Motorbike Loans 2015-05-27T04:44:53Z 5-key-factors-to-consider-when-looking-for-motorbike-loans There’s plenty to think about when choosing a motorbike loan. To make sure that you get the best loan for your individual circumstances here’s my checklist of the 5 Key Factors To Consider When Looking For Motorbike Loans. At www.loanplace.com.au you can use our Information Resources and Free Quote Service to find the very Best Motorbike Loan for your circumstances. 1. Interest Rates Rates are the main yardstick that people use when comparing loans. I prefer to think of them as being like a headline in a newspaper. They grab your attention but don’t necessarily tell you the entire story. The interest rate is going to play a big part in determining the cost of your loan so it’s a good place to start but don’t fall into the trap of thinking that the rate is the only element to consider. 2. Fees Fees are another factor that will directly impact on your cost of borrowing. They’re not displayed as prominently as interest rates but you need to find out what fees apply and how much they are before proceeding with a loan. Beware of being lured in by attractive headline rates only to find out that the deal involves high set up and ongoing account keeping fees. 3. Loan Security Most loans involve the lender using the motorbike that you buy as security. In other words, the bank or finance company have some rights over the motorbike which could potentially allow them to repossess it if you were to break your agreement and miss your loan repayments. When it comes to selling or trading in your motorbike a secured type loan needs to be paid off in full before the sale can be finalised. If you want the flexibility of an unsecured loan expect to pay a higher rate for the privilege. 4. Loan Inclusions Make sure to check that the loan will cover everything that you want it to. Most Banks and Finance Companies will limit how much they lend against the value of the motorbike. So if you’re planning on including apparel and accessories or maybe the cost of an extended warranty in the loan, check out whether the lender will be prepared to include this for you. Otherwise you could be left with an unexpected bill to pay! 5. Early Termination If you think that you may want to occasionally pay extra off your loan or if you’re planning to pay the loan off early with a lump sum, make sure to check beforehand that your loan allows you to do this. If your loan does provide this flexibility check out if there are there any costs associated with it. Find the Best Motorbike Loans Using the tools and resources at LoanPlace.com.au and working with a Qualified Finance Broker can help you to find the very best motorbike loans for your individual circumstances. Top 5 Tips On How to Get the Best Car Loan Rates 2015-05-19T23:40:02Z top-5-tips-on-how-to-get-the-best-car-loan-rates The interest rate that you get on your car loan will prove to be a major factor in the overall cost of the loan. Whilst it’s not the only thing you should consider when researching car loans it’s certainly a good starting point. At http://www.LoanPlace.com.au you can use our information resources and tools to find the Best Car Loan Rate for your individual circumstances. Here’s my Top 5 Tips On How to Get the Best Car Loan Rates: 1. Research & Shop Around Whatever you do make sure you don’t just go to straight to your Bank or Credit Union or just accept what you are offered by the Car Dealer. Do your research and compare quotes from several alternative lenders. Spending a little bit of time shopping around now could save you lots of money and headaches over the term of your car loan! 2. Know Your Credit History It’s very useful to have a good understanding of your previous credit history. Remember that your credit history and what gets reported to credit agencies isn’t just about previous car loans, but includes things like telephone and utility bills as well as credit cards etc. Lenders want to know about your previous borrowings and will reward you for good payment history, which opens the door to lower car loan rates. Equally, poor credit history will work against you. Proving that you have resolved previous credit issues and being able to explain why you experienced problems can help your cause. It may be worth obtaining a copy of your credit report to find out what’s in it before you apply for a car loan. You can do this by contacting the credit agencies:  www.veda.com.au, www.checkyourcredit.com.au, www.experian.com.au, www.tascol.com.au. 3. Avoid Multiple Loan Applications By viewing your credit report lenders can also see some information about your applications for credit. They can get suspicious when they see applications on your report that don’t result in credit agreements. It can appear like you have applied for credit and been refused, which makes lenders nervous. After all if it looks like others didn’t approve you for credit why should they offer you a car loan at their best rates? By all means search various different lenders and get quotes but make sure to only apply when you’ve found what’s right for you. 4. Keep the Car & Loan Transactions Separate By looking at your loan and car purchase as two separate transactions you can often get a clearer picture about the actual deals that you are being offered.  Things can get confusing when they are rolled up into an overall package. If that’s the way that you ultimately want to go that’s fine but when looking at the car loan make sure that you understand exactly what you are getting into. 5. Get a Pre-Approval By getting a Pre-Approved loan you can arrange your car loan in advance before you agree to buy a car. That way you can budget and make a decision about the loan in the cold light of day. It’s amazing what you’ll agree to when you’ve just bought a car and your heart is racing with excitement. Sometimes rationality and common sense get lost in those circumstances! Get the Best Car Loan Rate Using the tools and resources at LoanPlace.com.au and working with a Qualified Finance Broker can help you to find the very best car loan rate for your individual circumstances. Bad Credit Car Loans - Your Questions Answered 2015-05-13T01:05:35Z bad-credit-car-loans-your-questions-answered Let's not tip toe around it, if you only qualify for a Bad Credit Car Loan it's not ideal. You'll pay more and you'll have less choice and flexibility but it doesn't mean that you have to get ripped off and it doesn't mean that you can't make it work for you. Here's your chance to get the straight talking information that you've been looking for. What is a Bad Credit Car Loan? Also Known As - Poor Credit Car Loans, Second Chance Car Loans, Adverse Credit Car Loans, Problem Credit Car Loans and Sub Prime Car Loans. Credit History Problems - The term 'Bad Credit Car Loan' refers to the type of loan available to people with credit history problems. Credit history problems include issues from the past 7 years such as; defaults, utility bill or loan payments which are 60 days or more overdue, debt collection actions, and debt agreements, which include, bankruptcies, court judgements, debt agreements, and personal insolvency agreements. Don't Qualify for Standard Loans - If you have encountered any of the above issues over the past 7 years it may well have an impact on your ability to get a loan or other credit facilities. If your problems are deemed serious enough then it's unlikely that you'll qualify for a standard loan from one of the mainstream lenders. In all likelihood you'll have to consider what the finance industry refers to as a Bad Credit Car Loan. The name is hardly a marketing man's dream but it's what these loans have become commonly known as. How do Bad Credit Car Loans Work? How a Bad Credit Car Loan is Different - For all intents and purposes a Bad Credit Car Loan is pretty much the same as any other loan. It will enable you to buy a car but the loan features are generally more restrictive than a standard type loan. The biggest restriction is the interest rate. If you only qualify for a Bad Credit Car Loan then you're going to have to pay a higher interest rate. How high will depend on the lender and how bad your previous (or current) credit history problems are. Because people with credit history problems are regarded by banks and finance companies as a higher risk they increase the interest rates that they charge to cover for anticipated losses. Fair or unfair, that's the reality. In saying that if you need a car, a Bad Credit Car Loan is still likely to be a more cost and time effective option than relying on public transport for example. The term of the loan available may be shorter. You're probably looking at more like 4 or 5 years maximum as opposed to 6 or 7 years. Deposits are sometimes required and it may be more difficult to include extras like accessories, extended warranties and insurance products within your loan. Required Preparation - With a Bad Credit Car Loan you'll often be required to provide explanations of why you experienced credit problems. You may even be asked to provide evidence that you have now paid off what you owed. Because your track record may not be the best you may also be required to provide bank statements that confirm your income and outgoings and show that you can a) afford the loan and b) budget effectively and live within your means. How to Get the Best Deal on a Bad Credit Car Loan? Take Corrective Action - Wherever possible fix up any outstanding issues that you have. Do Your Homework - It might sound obvious but know exactly what situation you are in. Understand what your credit history is and what the issues you've experienced are. A $200 default with a telecommunications provider is a lot different from bankruptcy and should be viewed that way by lenders. The more you know about your own circumstances the better position you are in to negotiate a better deal. Shop Around - Get quotes from a number of lenders and find out what's the best deal that you qualify for. Just trying one lender isn't going to tell you the full story. All lenders have their differences and while one may see you as a very high risk another may view you as a medium risk and reflect that in the interest rate that you qualify for. At www.LoanPlace.com.au you can use our information resources to get inside industry knowledge and great buying tips, including: More information on Bad Credit Loans  More information on How Credit Ratings Work  More information on Things to Consider Before You Apply For a Loan 3 Free Bad Credit Car Loan Quotes    Kevin Bolton Founder LoanPlace.com.au Car Loan Comparisons 2015-05-13T01:04:24Z car-loan-comparisons There’s plenty to think about when choosing a car loan. If you really want to get the best deal for you it’s not quite as simple as just checking out a table of interest rates on a comparison website. By doing that you’re really just scratching the surface. Here’s my checklist of 10 Things to Consider When Comparing Car Loans: 1. Car Usage Are you going to use the vehicle for personal use, business use or a combination of both? If you use your car to drive to and from work then this is classed as personal use, if you use your car to drive to meetings with clients, for example, then this would be classed as business use. The reason you need to consider what the vehicle will be used for is because this will have an effect on what loan and lease options are available to you.  For example, if you’re going to use your car for personal use then don’t waste your time looking at finance deals that are only available to business customers. If it’s going to be used for business use then you need to consider what’s going to be the most tax efficient way to do it for you. 2. Types of Loan When it comes to car finance there’s plenty of options out there, not all of which will suit you.  The main options are; secured loan, unsecured loan, chattel mortgage, hire purchase, novated lease, lease and operating lease.  It pays to spend a little bit of time getting to understand how they differ and what financing method suit you best. 3. Lenders Whether you want to go with a name that you know and trust or if you’re just looking for the cheapest deal there’s plenty of banks and finance companies to choose from.  Some specialise in car loans, some offer car loans as a sideline to their main business. Some prefer to lend to ‘blue chip’ customers, some lend mainly to people who’ve had past credit problems. The most important thing is that you get access to a broad range of lenders and find the one that’s right for you. 4. Interest Rates Rates are the main yardstick that people use when comparing car loans. I prefer to think of them as being like a headline in a newspaper. They grab your attention but don’t necessarily tell you all of the story. The rate is going to play a big part in determining the cost of your loan so it’s a good place to start your car loan comparison but be aware that it’s not the only element to consider. 5. Fees Fees are another element that will directly impact on your cost of borrowing. They’re not displayed as prominently as interest rates but you need to find out what fees apply and how much they are before proceeding with a loan. Beware of being lured in by attractive headline rates only to find out that the deal involves high fees. 6. Eligibility You might get your head turned by an attractive looking deal but make sure that you qualify for it before dismissing other options. For example, your loan may be below the amount required to qualify for the ‘special rate’, the car you want to buy may be too old to qualify, your credit history may not meet the necessary criteria, you may not have enough deposit etc. …….. The list goes on. Before you know it you’re being offered an alternative deal that’s not quite as good as what you were expecting. 7. Security Most car loans involve the lender using the vehicle that you buy as security. In other words, the bank or finance company have some rights over the car which could allow them to repossess it if you were to break your agreement and miss your loan repayments. When it comes to selling or trading in your car a secured type loan needs to be paid off in full before the sale can be completed. If you want an unsecured loan you usually have to pay a higher rate for the privilege. 8. Early Termination If you think that you may want to occasionally pay extra off your loan or if you’re planning to pay the loan off early with a lump sum, make sure to check beforehand that your loan allows you to do this. If your loan does provide this flexibility check out if there are there any costs associated with it. 9. Loan Exclusions Make sure to check that the loan will cover everything that you want it to. Most Banks and Finance Companies will limit how much they lend against the value of the car. So if you’re planning on adding lots of extras and accessories to the car, for example,  or including the cost of an extended warranty check out whether the lender will be prepared to include this in the loan for you. Otherwise you could be left with an unexpected bill to pay! 10. Speed If you’re in a hurry to get behind the wheel of your new car then find out in advance how long the loan application and settlement process will take. Turnaround times can vary significantly between different Banks and Finance Companies. Some specialist car loan providers can have you driving away in less than 24 hours whilst others can take days or even over a week to sort everything out. At www.LoanPlace.com.au you can use our information resources to get inside industry knowledge, great buying tips and 3 Free Car Loan Quotes. Use the website to start your own personal Car Loan Comparisons process.  Kevin Bolton Founder LoanPlace.com.au