Anthony on E-Bay

[sanderella59]

Go to this page
Paypal Accounts and follow the links to sign up.

[unwinding_fantasy]

Sandy, I still haven't enabled net banking. Damn it, curse it.

[Marie-Cris]

Thanks Sandy, I'll muddle through it tomorrow ((being watched))

EDIT: Net banking?

[unwinding_fantasy]

Internet banking. Allows me to use my debit card online.

[sanderella59]

It's the only way to go really. Saves time. You can pay for anything on-line, at any time of day. Need to be careful about only using secure sites, and not replying to e-mails asking you to confirm your details (they are ALWAYS fake and designed to rip you off. Banks never ask you to confirm your details on-line). You can also check your balance on line and transfer money between accounts, for instance my sons have two accounts each, one that their pays go into and another that they use for expenses. They transfer money into their expense accounts (which also have their debit cards attached - same use as a credit card, but money comes straight out of your account and no interest charges like credit cards, and you can only spend money you actually have, instead of running up huge credit card bills) on a weekly basis so they can EFTPOS and withdraw cash as required, but the majority of their money stays in the main account and they don't touch it. It's a really good way to develop financial discipline. And much more convenient than a non-net accessible account. I was a financial planner in a previous life, as well. I picked up quite a few tips.

[Marie-Cris]

...

*mind breaks*

Okay, so I've got somewhat of a savings card; the bank gave it to me because they got sick of seeing me ((their fault; they took away my bank book and replaced it with a stupid paper card)). I still go in though and only use the card at the ATM on weekends ((or if there's a long line)). Problem, yes, no?

[sanderella59]

Sorry Mar, just found this question. What you need is to go into your bank and ask two questions. 1. Do they do a debit card that you can link to your account. 2. Can you enable net-banking on your account. If the answer is yes to both, or either, then you are set!

[Marie-Cris]

Okay ...

...

...

What's debit?

[sanderella59]

Debit is the opposite of credit.

With a credit card, you get issued a card that has a limit of say $5000 except it's like a $5000 loan, because you are spending money that you don't actually have and the usual interest rate is around 22% or more on credit cards. This is all very well if you pay it off each time you get a bill, because they don't charge interest unless you carry the debt over till the next month.
For example, say you put $1000 worth of stuff on the card in a month. When you get your statement, it will tell you how much you owe, but will also tell you the minimum amount that you must pay, in this example let's say $50. If you pay off the full amount of $1000 by the due date, usually about 2 weeks after the issue of the statement, the bank doesn't charge you any interest at all on your purchases (unless you have used it to get a cash advance rather than goods). But, and this is where people get into trouble, if you only pay off the minimum amount of $50 (or in fact any amount less than the full amount due) the bank will charge you interest on the unpaid amount. So at the time of the next bill in a month's time, you will owe $950 X 22% (or whatever the current rate is) + whatever you have spent over the next month. As you can imagine, this can rapidly spiral out of control and can lead to people running up huge debts to the bank without spending more than the original $1000.
A debit card however, gives you the same freedom as a credit card, it can be used to buy goods on line and in shops etc but it is linked to your bank account so you are only actually ever spending money you have in your account. It's like making a withdrawal from your account but getting cool stuff in return like Warlow merchandise or tickets to a show instead of folding money. It is not the same as an ATM card or using EFTPOS in a shop, as not all banks offer debit cards. But very soon all banks will be doing it as EFTPOS in this country is apparently being phased out. A debit card can be used anywhere a credit card can. But an ATM card can only be used at places that offer EFTPOS facilities (BTW this stands for Electronic Funds Transfer At Point Of Sale). You can't use it to make on-line or phone transactions.

So basically, a credit card is spending money that you don't have and a debit card is spending money that you do have. Hope this helps!!

[Marie-Cris]

I think what I've got is an EFTPOS card; I've only ever used it once in a store because a friend from uni wouldn't shut up until I did otherwise ((she was with me when I got it and then she dragged me shopping:

ME: *walks into bank, hands over stupid paper card THEY issued me*
TELLER: What's this?
ME: My card. I'd like to withdraw -
TELLER: *chucks plastic card at head* HERE, TAKE IT!)).

So if I was to get a debit card, how much would that set me back? And it works like the EFTPOS card in that I don't have to pay just to keep it in my pocket, right? ((Or did I read wrong?))

BTW, my bank ((I'm reading up on their Internet Banking now)). When I travel interstate there's no places for me to withdraw money as it's an S.A. bank so I have to do all that before I leave S.A. Does having a debit step around that, or will it depend on what the bank thinks?

[sanderella59]

Yes. You should be able to use a card in any ATM in the world if it is set up right. My NAB (that's National Australia Bank) card I have used in Italy France, Singapore, Hong Kong and the UK. Look at the back of your plastic card. If it has ATM on it you can use it any ATM in Australia. If it has 3 triangles and the word PLUS on it, it can be used at any ATM in the world!! That's why banks are so keen for you to have a plastic card. It is much easier for everyone and makes your account truly portable. The old days of having to take travellers cheques overseas with you or large amounts of cash with you are long gone.
Have also checked their site for you. They do have a debit card. Don't be fooled by the fact that it says Visa. It is still a Debit Card, not a Credit Card.

[Marie-Cris]

It doesn't have any triangles ... bar the logo. But that means I can't use it interstate. Eff.

Ooh, black ... ((bitch almost gave me an orange card until I had a near heart attack)) I'm going to have to wander into the bank tomor - oh wait, do I have time? Friday. I'll go in on Friday and inquire. Unless I have time, then I'll do it tomorrow.

Thanks for all that; I'm near-to ignorant when it comes to bank cards.

[sanderella59]

I don't suppose it's got "Cirrus" on it?? Just tell the teller (hehe!) that you want net banking and Australia wide ATM/debit card functions. That should fix you up nicely! And it's OK! That's what Fairy Godmothers are for! I haven't got daughters, so I'm adopting them wherever I can! It's nice to talk girly talk for a change. Even if it is bank girly talk. I meant it when I said I was a financial planner in a previous life. That's what my ex did and he had his own business. As a Jekyll like workaholic, the only way I saw him was to work with him. I studied for my Financial Planning Diploma for two years and then came to my senses cos I HATED IT!!!!!!!

[Marie-Cris]

...

No, it doesn't.

But I have noticed that it says it's a division of St. George Bank Limited.

I didn't know that.

Looks like I gotta get another card ... and somehow keep it a secret from my folks ((they don't even know I have THIS card))

[sanderella59]

I would think it's probably none of their business. You are an adult and can do what you want!! My kids have handled their own finances and banking stuff from the day they turned 18. I wouldn't even begin to tell them what to do, nor would they listen if I told them! I offer guidance and advice, but ultimately the only way you become independent is to act independently, while still having your parents as a safety net if you do stumble.

[Marie-Cris]

It'd be a lot easier if half my mail didn't go to dad.

*mumblestupidcenterlinkgrumblesonsofmuttershouldgetonerightuptheirmumble*

[unwinding_fantasy]

More Secret Garden. I might see if I can get this one so no one rain on my parade.

There's another one here.

[Marie-Cris]

No picture, no deal.

Especially since it's coming from America; I try to stick to Aus bids as much as possible.

[unwinding_fantasy]

That was my thought too. I wouldn't do it -- don't have money to throw around -- but if someone was desperate... *shrugs*

SPOILER: Click to show

(Sandy, just one night at the Cross wouldn't salvage my bank account. )

[sanderella59]

A rare e-bay treat!

The NO 1 Musicals Album

If you are looking at this one, I would watch it until the last minute and then bid. The last couple went for over $50 (it is a double CD after all) but no-one bid until the last half hour or so. The earlier you bid, the more people know you are interested and the higher the price goes. This is very rare as it is no longer in print. But it has some fine performances on it.

[Marie-Cris]

Goddess, that's the one!! My burnt copy is starting to glicth too. >)_<

[sanderella59]

A rare gem!

Secret Garden

[yunadax]

Gagh. so much stuff to buy and so little money!

[lilmsnomad]

I really wish I hadn't found this thread - I was just getting over my eBay addiction...

Love,
Tanya

[son]

found this little gem, although its very expensive for a cd single.


Click

[Injeanious]

Hmmmm Sonsolo, I bought one of them from Ebay a few weeks ago - it was described as "rare" so like a fool I paid $$$$$$$. A couple of weeks later there was one for sale for $10. Also bought the programme from Les Mis for $$$$$$$ and was so disappointed in it. So I am trying not to look at Ebay anymore.

[Marie-Cris]

But unfortunately e-Bay is the only place left to get a hold of Grease Arena Spectacular, The Secret Garden, Reckless Kelly and The No #1 Musicals Album Of All Time..

Just those to fully complete my collection!