Editing Finance

=Guides=
[https://www.moneysmart.gov.au/investing MoneySmart]

[http://www.personalfinanceapprentice.com/]

=Accounts=
===CUA - Prime Access Account===
This is what I have, <strike>is this an everyday account?</strike>

Listed as a 'Closed Product' on the CUA website.


Prime Access Account

Conditions: Funds are available on call. Interest is calculated daily on whole balances and paid half-yearly.

All balances earn 0.01% interest.

===CUA - Everyday Accounts===
This account does not earn interest.

"The CUA Everyday Account offers no monthly account fees, fee-free everyday card purchases, and free access to more than 3000 rediATMs for withdrawals of $50 or more. And our Savings Top-Up add-on makes it easy to save. You can give your savings a little boost each time you spend with your debit card."

Seems to be the replacement for my current "Prime Access" account. Can "Switch to account" in website.

[https://www.cua.com.au/everyday-banking/everyday-accounts/cua-everyday-account Link]

===CUA - eSaver===
Conditions: Interest is calculated daily and paid monthly. Bonus interest is applied on top of the base rate each month in which you '''deposit $1,000 or more by bank transfer from an external (non-CUA) account into your CUA everyday transaction''' account. The eligible types of CUA everyday transaction account to receive the monthly deposit include the Everyday, Everyday Youth, Everyday 55+, Everyday Business, Prime Access, Freedom Plus and Platinum Plus Account. The base rate of interest is payable on the whole balance held in your eSaver Reward Account but bonus interest is only payable on balances up to $100,000.

Maximum rate	2.95%p.a.

Base rate	0.50%p.a.

Bonus rate (on balances up to $100,000)	2.45%p.a.

===CUA - eSaver Plus Account===
Conditions: Bonus interest is applied on top of the base rate if '''deposits totalling at least $200 and no withdrawals''' are made in the same whole calendar month. Interest is calculated daily on whole balances and paid monthly. Bonus interest is payable only on balances up to $1,000,000. The base rate of interest will be paid on the portion of any balance exceeding $1,000,000.

Maximum rate	2.75%p.a.

Base rate	1.20%p.a.

Bonus rate (on balances up to $1,000,000)	1.55%p.a.

==ING Direct==
[http://www.ingdirect.com.au/savings/compare-savings.html Compare Savings]

===ING Direct - Saving Maximiser===
For customers who also have an Orange Everyday bank account and deposit their pay of $1,000+ each month. Available on one account for balances up to $100,000 with the additional variable rate applied the month following the deposit. 

3.00% p.a. (incl. 1.00% p.a. additional variable rate)
The standard variable rate is 2.00% p.a.

=Funds=
[https://www.australianethical.com.au/ australianethical] - Over 25,000 Australians invest in our award-winning super and managed funds. 


"Me – I like LICs in my personal portfolio – Hastings (HHV), Wilson (WAM, WAX, WAA), Cadence (CDM), Future Gen (FGX)
And in my Super I use ETFs (VAS) for example (because I can't use LICS)" [https://forums.whirlpool.net.au/forum-replies.cfm?t=2508435 whirlpool]

=Guides=
[https://www.youtube.com/playlist?list=PL7L-54wsCwBWTyAtooNET815nkm9soDHV Personal Finance]

[http://examinedexistence.com/10-places-to-learn-accounting-for-free/ 10 places to learn accounting for free]

[https://www.coursera.org/learn/wharton-accounting/home/week/1 Coursera]

[https://www.mywealth.commbank.com.au/learn?referrer=BC-Landing Commbank Learning]

[http://www.wealthsafe.com.au/services/offshore/ Wealthsafe - Tax Avoid]