Friday, March 28, 2014
How much is 80,000 points worth?
The Citibank Signature card is offering 80,000 points to people who sign up for their card. With an annual fee of $299 per year, many people would be asking just how much is 80,000 points really worth? Generally, with frequent flyer points for example, you can redeem a $100 gift card for about 14,300 points. A general rule I use to measure the worth of points is to multiply the points by 0.007. In this case, 80,000 points is roughly worth about $560.
Tuesday, March 25, 2014
KFC 2500 Free Snacks / day
Do you have a smartphone? or two? The "KFC Snack in the Face" app is up and running as of 2pm today which allows people to win one of 2,500 free snacks from KFC. If you are wondering why the drive thru for KFC is suddenly so busy, it could be a problem until the 19th May when the app no longer gives out free snacks.
How to Reduce Your Private Health Insurance Premium
You only have five more days before most health insurance providers increase their premiums by around 7% but there is a way you can lock in your current premium and save yourself 7%. If you prepay your health insurance before the 1st of April for a year, you will avoid the increases for the next 12 months.
For us, we also looked at changing our extras cover as we have not used it much, neither have we found having a $250 excess for hospital necessary. Changing from one level to another can save you a significant amount. For example, if your family is on Medibank's Top Excess 85% cover with a $250 excess for hospital, and moved to 55% extras cover with $500 excess for hospital, you will save $70.75 / month (if you don't need to claim). If you can go four months without going to a private hospital (our family has made two public hospital visits but no private hospitals in the last three years), you have your money back. I called up Medibank and this is how much each level of cover is for a family and how much it will change.
Back to the prepaying, the above plans are all going up by 6.2% - 7.9% on the 1st April. If you prepay on the top level of hospital and extras cover, you will save $215.40.
For us, we also looked at changing our extras cover as we have not used it much, neither have we found having a $250 excess for hospital necessary. Changing from one level to another can save you a significant amount. For example, if your family is on Medibank's Top Excess 85% cover with a $250 excess for hospital, and moved to 55% extras cover with $500 excess for hospital, you will save $70.75 / month (if you don't need to claim). If you can go four months without going to a private hospital (our family has made two public hospital visits but no private hospitals in the last three years), you have your money back. I called up Medibank and this is how much each level of cover is for a family and how much it will change.
| Extras cover | before 1 April 2014 | after 1 April 2014 | ||
| $250 excess | $500 excess | $250 excess | $500 excess | |
| 85% | $227.35 | $213.35 | $245.30 | $229.80 |
| 70% | $199.35 | $185.35 | $215.05 | $199.60 |
| 55% | $170.4 | $156.50 | $181.70 | $166.25 |
Back to the prepaying, the above plans are all going up by 6.2% - 7.9% on the 1st April. If you prepay on the top level of hospital and extras cover, you will save $215.40.
So which Health Insurance company should you go with? Not sure, but if you have done some research, feel free to leave a comment. But if you switch, always insist on them waiving their no-claim extras periods (hospital cover cannot be waived moving from one provider to another).
Monday, March 24, 2014
Thunderstorm Monitor for Perth and WA
With a thunder storm brewing to the west of Perth, an interesting website has emerged. It shows the frequency of lightning strikes occurring in WA. Apparently it is still being calibrated but it's definitely worth watching tonight.
The following images are updated all the time as you can see the time and date stamps in the images below.
The following images are updated all the time as you can see the time and date stamps in the images below.
Updated Perth rain radar here
Monday, March 3, 2014
All the Coles Stores in WA
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