2Oct2019

Is Your Mechanic Ripping You Off?

October 2, 2019

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It has become common that unexpected extras added to your vehicle repair or service bills that you’d wonder if your mechanic is ripping you off.

Mechanics, officially called automotive service technicians, are often the “defendant” of complaints from customers who believe they’ve been overcharged or received subpar service.

A few pointers can help when dealing with a mechanic.

Don’t be scared of your mechanic

When he seriously throw you a line like, “It’s dangerous to drive away with your car in this condition.” You ask your mechanic why.

Make sure that the repair is completely necessary. They could be pressuring you to agree to an expensive service on the spot.

Shop around

If in doubt on a diagnosis for a repair, do the same thing – shop around for a second opinion and for the prices of the repairs. A third or fourth opinion wouldn’t hurt, either.

You could save hundreds, even thousands of dollars off your final bill with a bit of phone calls and enquiries to other mechanics.

Search online for forums and recommendations. You’ll definitely come across a similar situation to yours that could be valuable information.

Help to identify the problem

Identify when the problem started for a specific matter. Say, you hear a grinding noise when you turn. Does it happen when turning left or right? Or at certain speeds, or when going uphill, downhill?

This can ensure the problem gets solved as mechanics have a limited time to test your car before repairs.

Don’t skimp on cheap parts

You may be given cheaper options, but these will doesn’t match the capability of the original items. Cheap parts can easily cause an accident.

Schedule your service items

Your owner’s manual provides a list of routine service items against each service interval. Read the list beforehand and check for any surprise extras on the invoice as soon as you get it. Your mechanic should be able to explain and answer any question on the invoice.

There’s fine print on capped servicing

Many brands are starting to offer fixed-price or capped servicing. Read the fine print as these plans vary coverage and duration. Some will cover a fixed number of services, while others will cover the duration of your new-car warranty. There’s also capped-price servicers ‘upselling’ extras like higher grades of oil, adding to the final bill.

Some workshops are qualified to service your car without affecting your warranty. Ask for written proof they’re qualified to do a warranty-safe service.

No credit loans in Australia

Short on cash this month or in need of a financial boost — but you have a bad credit history or no credit history at all?

You can find yourself without a substantial credit history for all sorts of reasons.

At Cigno, you can apply online for loans — no credit via their quick application.

Cigno is a responsible lender and may ask you for other personal identification to ensure that you qualify. This may include:

Passport Number
Drivers Licence
Proof of Age card
Birth certificate, etc.

Note: Bank accounts must be in your name and cannot be for online savings accounts or online only accounts.

14Aug2019

Credit Score Myths BUSTED!

August 14, 2019

Henry Mabana

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Lenders look at your credit score to evaluate the potential risk of loaning you money — or simply put, your creditworthiness.

Rumour has it that the higher your score, the more financially trustworthy you are. Now, this has a probability to be true, but what about the other data we’re not so sure of.

You have to weed through different information if you want to improve your credit score. First, let’s weed out fiction from facts and bust these credit score myths!

Myth 1: If you’re not getting a loan, no need to know or check your credit score

Other than lenders, your utility companies, potential employers, and landlord also check your credit score — although, they have to ask for your consent beforehand.

It’s better to know your credit score for contingency in case you need to get a loan.

There could also be errors and defaults which can be listed unknowingly. Change in residence can be a reason for credit providers to lose track of you and not able to give notification of any outstanding bill.

Check your credit file regularly for discrepancies and fix them at once.

You can also have a better chance at the lowest interest rate by knowing your credit score early on.

Myth 2: There’s an effect if you check it all the time

Checking your own credit report, known as a soft enquiry (informal), doesn’t go on your record and doesn’t affect your score.

It is recommended that you review your credit file often to verify it’s content and fix any errors.

Myth 3: Good income equates good credit score

You have as good a chance at having a good credit score as anybody, whether you have a high salary or otherwise. Same as if you’re on a higher income and still not able to do repayments on time — which very much affects your score.

Credit Score Myths BUSTED!

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Myth 4: Good credit score stays good

Not paying your bills on time and not having credit at all can upset your good credit score.
Having a no credit report doesn’t always work for your loan application advantage. Lenders, based on your credit score, would want to know how you handle your repayments.

Although, after 5 years — 7 in case of a clearout, transactions vanish from your credit file. Bad and (even) good behaviour can disappear from your credit history, so you still have to be careful of getting bad credit.

Myth 5: You can’t get a loan if you have bad credit

The good news is there’s still a type of loan designed for those with bad credit.

With bad credit loans, the lender will assess your income and expenses to decide how much you can borrow — without credit checks.

Bad credit loans in Australia

In need of a financial boost this month — but you have a bad credit or no credit history at all?

You can find yourself without a substantial credit history for all sorts of reasons.

At Cigno, you can apply online for bad credit loans or loans — no credit via their quick application.

In observance of Responsible Preliminary Assessment, Cigno may ask you for your personal data, which may include:

bank statement
drivers licence
passport Number
proof of age card
birth certificate, etc.

Note: Bank accounts must be in your name and cannot be for online savings accounts or online only accounts.

1Jul2019

New Rules About Your Payment Summary (Group Certificate) - Cigno Loans

New Rules On Your Payment Summary (Group Certificate)

July 1, 2019

Henry Mabana

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Employers have to give employees a summary of their income for the past year at the end of each financial year (EOFY). This is ‘payment summary’, also known as ‘group certificate’ or ‘pay as you go (PAYG) payment summary’.

Payment summaries are required by the Australian Taxation Office (ATO) for record-keeping.

Currently, payment summaries are required to be issued to employees by 14 July — covering earnings in the previous year to 30 June.

The employer should lodge the information with the Tax Office, which allows the release of electronic information to myTax for taxpayers who lodge their own tax return online.

Those without a tax agent have to lodge their tax returns on or before the 31 October. Otherwise, most registered tax agents have a special lodgment program and can lodge returns for their clients after the usual October 31 deadline.

Part-year payment summaries

Employee leaving before the end of the financial year (30 June) may request a part-year payment summary be issued before the deadline (14 July).

The request must be in writing and made before 9 June, 21 days before the EOFY.

Employer has to provide the payment summary within 14 days, unless the employee has received a reportable fringe benefit — calculated at the end of the fringe benefits tax (FBT) year (31 March).

New rules on payment summaries

The way you get your payment summary is changing. Depending on how your employer reports your income, tax, and super information to ATO, you will be provided with either:

Income statement — if employers report their employees’ income, tax, and super information through Single Touch Payroll (STP), they are no longer required to give payment summaries to employees. This information will be made available through ATO online services via myGov and finalised by 31 July.
Payment summary — employers will continue to provide payment summaries by 14 July if they haven’t adopted the STP reporting system yet.

Chase up your employer if you haven’t received your payment summary by the due date, as advised by the Tax Office.

New Rules On Your Payment Summary (Group Certificate)

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Single Touch Payroll

Single Touch Payroll works by sending tax and super information from the accounting or payroll software to the ATO. STP reporting is currently available through accounting, payroll, and business management software. STP-enabled products are now offered by most software providers.

Most employers are now required to report your income, tax, and super information directly to ATO each payday via STP — which will phase out payment summaries.

STP applies to employers who have:

at least 20 employees (required to adopt from 1 July 2018)
19 or less employees (required to adopt from 1 July 2019).

All employers will eventually adopt the STP reporting system, so all your relevant information can be found in one place. Tax agents will also have online access to this information.

No credit loans in Australia

Short on cash this month or in need of a financial boost — but you have a bad credit history or no credit history at all?

You can find yourself without a substantial credit history for all sorts of reasons.

At Cigno, you can apply online for loans — no credit or bad credit loans via their quick application.

Cigno is a responsible lender and may ask you for other personal identification to ensure that you qualify. This may include:

Passport Number
Drivers Licence
Proof of Age card
Birth certificate, etc.

Note: Bank Accounts must be in your name and cannot be for online savings accounts or online only accounts.

3Jun2019

The Best Car Service Apps

June 3, 2019

Henry Mabana

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Getting around in a big city or finding a mechanic can be a challenge. It shouldn’t be when you have one of those phone apps in your pocket — that happens to know your location.

With the aid of your smartphone, here are some car service apps of the future.

Shebah — All women rideshare service

Conceived and built in Australia, Shebah is a new ridesharing app designed to drive women and girls forward by giving them their fair share of the sharing economy and letting them travel with confidence anywhere they want to go.

Shebah has started in Adelaide, Ballarat, Bendigo, Brisbane, Canberra, Geelong, Hobart, Perth, Sydney,Melbourne, and on the Gold Coast and Sunshine Coast. * Soon available in Darwin.

Riders can look forward to friendly female drivers behind the wheel, and the opportunity to book a car with a capsule or toddler seat using the app. Enjoy the safety and certainty of being part of an all-female network of drivers and passengers.

Shebah app

Download the Shebah app for iOS or Android:

always have a female driver
book a ride in a single tap
book a trip up to two weeks in advance
have a driver who has completed the most rigorous background checks
are in a car with a current roadworthy
request a capsule or toddler seat
no need to carry cash to pay for their ride
accurate fare estimates and no unexpected surge pricing applied
support the economic empowerment of another woman

Carsales

Carsales makes buying and selling even easier with more cars than anywhere else.

Note: This app features Nielsen’s proprietary measurement software which will allow you to contribute to market research, like Nielsen’s TV Ratings.

Carsales app

Download the Carsales app for iOS or Android. With tools to help you buy and sell, an easy-to-use interface, and greater functionality, you can:

search over 200,000 new and used cars
access the Member Centre where you can sync all your saved cars, searches, and email alerts
list you car straight from your mobile with Snap n’ Sell
edit your ad or see how many people are interested in your car with Live Ad Stats
value your car or research via News & Reviews provided by motoring.com.au
share listings direct from your mobile device to your social network

The Best Car Service Apps

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AutoGuru

AutoGuru offers customers convenience! They understand that it’s stressful for customers to find a reliable, local mechanic. AutoGuru makes it convenient and as easy as possible to access a well-suited, high quality, local mechanic.

AutoGuru gives quotes and lets you book from an entire marketplace nationwide, 24/7. This is something that hasn’t been done before in the automotive service and repair industry. Search, get quotes, compare, and book.

AutoGuru app

Download the AutoGuru app for iOS or Android, put in your car details, location, and type of service or repair. You’ll receive instant quotes from mechanics in your area for services and straightforward repairs.

For more complex repairs, you’ll receive up to three quotes within 24 hours, after mechanics went over the required work.

By using the AutoGuru app, you have complete access to reviews by real customers. This aims to give you full transparency and increases your confidence when booking.

You can book and pay (with Afterpay) once you find one you like. AutoGuru handles the whole process.

Emergency loans from Cigno

Do you need access to funds for a car repair or an emergency expense?

Cigno Loans is an emergency cash specialist. With an easy application process, as well as management of loans (no credit) or emergency loans, Cigno can help you receive up to $1000 in your account today with manageable repayment options.

Cigno encourages its customers to only borrow cash loans when they need to, and to always borrow what they can afford to repay.

To apply, simply prepare your bank statement and complete the quick and easy online application.