Member Benefits Update April 2015 - ACTU Australian Unions
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Member Benefits Update April 2015

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Member Benefits Update April 2015

Welcome to the April bumper edition of your Member Benefits Update. This month we report back on the fantastic turnout around the country for last month's National Day of Action, we find out how offset accounts can save you a bundle off your home loan, there's a $50 gift card offer from ISinsured, a $150 cash back offer from Tyresales.com.au, 3 x DVDs and 5 x double movie passes from Madman to win plus heaps more!


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Offset Accounts - money saver for home owners

An offset home loan makes spare cash work harder.

Research by ME Bank reveals that almost one in two (47%) Australian households are managing to tuck savings away each month. That’s great news. But in today’s low rate environment an offset account could be the ideal solution for home owners to make their spare cash work harder.

Offset accounts are a savings or transaction account linked to your home loan. Instead of being paid separate interest, the value of the linked account is deducted from your home loan when loan interest is calculated.

For instance, if you have $30,000 in the linked account and your home loan is worth $400,000, loan interest will be based on a balance of $370,000. This reduces the interest charged, making an offset account a very easy but highly effective way to get ahead with your home loan and save on long term interest costs.

Read on for full article


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ISinsured $50 gift card offer

Australian Unions Member Benefits members have access to a range of insurance products through ISinsured which is designed to offer great value on features and benefits.

From 1st April until the 30th June 2015 if you take out a new Comprehensive Motor, Home or Landlord policy through ISinsured you will receive a $50 Go Visa Travel gift card.

Plus, the more new policies you take out, the more value you’ll receive on your gift card!

  • 1 new policy = $50 on the Load and Go Visa Travel gift card
  • 2 new policies = $100 on the Load and Go Visa Travel gift card
  • 3 new policies = $150 on the Load and Go Visa Travel gift card

Take a closer look at the insurance products offered by ISinsured below:

Get an online quote now to enter this special promotion.

Your quote is obligation free so why not compare ISinsured today?

If you have any queries or would like to obtain a quote over the phone, call ISinsured on 1800 827 502.  Be sure to mention that you’re an Australian Unions member so that you’ll be eligible for the gift card.

The insurance products and services offered as part of the ISinsured range are issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545. ISinsured is a registered trademark of IFS Insurance Solutions Pty Ltd ABN 16 070 588 108 AFSL 241 506. QBE uses this trademark under a license from IFS Insurance Solutions. Before making a decision about your insurance needs please refer to the Product Disclosure Statement available online at isinsured.com.au or by calling 1800 827 502.


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Over 60? Tax-free options could apply 

If you are aged 60 or over and still working, it may be possible to decrease the amount of tax you are paying by converting your superannuation account to a tax-free pension account.

This strategy, commonly referred to as Transitioning to Retirement (TTR), potentially offers you the option to either reduce your working hours and replace lost income by drawing funds from your pension account or continue working full time but boost your current superannuation balance in the years before retirement via salary sacrifice.

While you can start Transitioning to Retirement from age 55, it can become more tax effective from age 60, when drawings from a pension account become tax free.

Visit the Australian Unions Financial Advice Toolkit to find out more about how a Transition to Retirement strategy could benefit you.

The information in this article is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before investing in any product you should therefore read the relevant Product Disclosure Statement (PDS) and consider the appropriateness of any investment for your objectives, financial situation or needs. The Australian Unions Financial Advice Toolkit is powered by  Industry Fund Services Limited (IFS),  ABN 54 007 016 195, AFSL 232514 IFS one of the largest providers of financial services and products to industry super funds, unions and their members.

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Save up to $150 on new tyres from Tyresales.com.au!

For a limited time Tyresales.com.au is offering up to $100 cash back on select sets of 4 tyres.

In addition, union members will receive an above and beyond $50 discount by using the redemption code 'ACTU' upon checkout.

Buying online at Tyresales.com.au means we can pass real savings on to you. You'll have access to over 1,500 fitment centres across Australia, so you not only get the best deal, you also get the best local service!

Their heavily discounted prices also include free fitting and balancing, free shipping to metro areas, free tyre roadside assistance, free tubeless valves and free tyre disposal.

Save up to $150 off your next set of tyres now at Tyresales.com.au


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March 4 National Day of Action

Tens of thousands of Australians took to streets around the country last month, united by anger at the policies of the Abbott Government and calling for a change of direction for the nation.

The national day of action was called by the union movement in protest at a range of policies that have undermined rights at work and living standards.

There was energy, passion and solidarity in every direction, showing once again what a powerful, united force Australian unions can be.

No doubt, this is the first of many events like this between now and the next election as unionists around Australia campaign for a new direction for our nation, one which preserves our living standards and rights at work.

Watch our excellent video montage of how the day unfolded around the country.

Keep an eye out for further details by checking the australianunions.org.au website regularly.


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There's still time to join our footy tipping competitions!

The FREE ACTU/ME Bank AFL & NRL footy tipping competitions have kicked off for 2015 but don't fret if you haven't joined in yet, there's still plenty of time! The NRL season began last month and the AFL season starts tomorrow, Thursday 2nd April.  There is a total of $2000 in prizes up for grabs with the highest tipster in each competition winning a $1,000 ME Bank EveryDay Transaction Account*.

So make sure you go to www.footytips.com.au to either register as a new tipster or reactivate your footy tipping profile from previous years and then click on the links below for either comp.

Handy tip: If you're reactivating your tipping profile remember to use your username NOT your email address to log in.


AFL Tipping Comp password is union

NRL Tipping Comp password is union

 

*The winners of the ME Bank EveryDay Transaction Account (ETA) with a $1,000 deposit must open their account within fourteen (14) days of first being notified or provide details of their ETA if they already hold one. ME Bank will deposit the prize into the Account no later than thirty (30) days after the Account has been opened.  Before opening an ETA, consider if this product is appropriate for you. Fees, charges, terms and conditions apply. ME Bank’s normal account opening requirements apply, however there is no fee to open the account. The prize is not redeemable for cash. Members Equity Bank Limited, Level 28, 360 Elizabeth Street, Melbourne, Vic, 3000. ABN 56 070 887 679. Authorised under: ACT permit TP 15/04666. NSW Permit No. LTPS/15/00888



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'Punter' is back for 2015!

Hey union footy tipsters, did you know there is a weekly column on Working Life just for you?

Go to the Working Life Footy Tipping page every Thursday for a recap of the previous round in the AFL and NRL and a preview of the form and main match-ups of the next weekend's round.

Also, find out who is leading your respective competition and by how much. Written by 'Punter', it's an irreverent look at footy that doesn't take itself too seriously.

Good luck and happy tipping!


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Vanuatu - support the appeal

Union Aid Abroad-APHEDA is holding an appeal to assist our local partners working with communities affected by Cyclone Pam in Vanuatu.

Funds raised will assist the medium-term recovery effort to re-build homes and get access to clean water supplies at the household/community level. We will also be assisting households to re-establish crops and small scale food production.

To donate online go to One off Donations (option C) and select CURRENT EMERGENCY APPEAL

DONATE NOW


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Register now for the 2015 Mother's Day Classic

Registrations are open for the 2015 Mother's Day Classic fun run/walk on Sunday 10 May 2015.  If you a Melbourne union member and would like to join the Australian Unions team alongside ACTU President, Ged Kearney, we are called 'The Walkers United' and we'll be participating in both the walking/running events. Don't forget to wear your union gear on the day! We will meet at the AIST marquee at around 8:30am and will have 'Australian Unions. Join. For a better life.' stickers and badges for all Melbourne team members to wear!

From modest beginnings in 1998, the Mother's Day Classic has grown into one of Australia's largest national charity events and has become an integral part of Mother's Day for thousands of Australians. The Mother's Day Classic has raised $24.3 million dollars and breast cancer survival rates have increased to 89%, up 6%, since
the Mother’s Day Classic began in 1998.

ME Bank is the major sponsor of the Mother's Day Classic.


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Win some great prizes from Madman this month!

Enter the draw to win one of 3 DVD copies of 'Nightcrawler' or one of 5 double passes to see 'Banksy Does New York' that we are giving away to 8 lucky union members this month!

Nightcrawler

Nightcrawler is a pulse-pounding thriller set in the nocturnal underbelly of contemporary Los Angeles. Jake Gyllenhaal stars as Lou Bloom, a driven young man desperate for work who discovers the high-speed world of L.A. crime journalism. Finding a group of freelance camera crews who film crashes, fires, murder and other mayhem, Lou muscles into the cut-throat, dangerous realm of nightcrawling -- where each police siren wail equals a possible windfall and victims are converted into dollars and cents. Aided by Rene Russo as Nina, a veteran of the blood-sport that is local TV news, Lou blurs the line between observer and participant to become the star of his own story.


To win a copy of ‘Nightcrawler’ email memberbenefits@actu.org.au with your name, address, union name and membership number before close of business Friday 24th April 2015.

Banksy Does New York

Banksy is revered and reviled, considered both a vandal and a genius. Completely anonymous, he is nevertheless without question one of the world’s best known living artists.

Banksy Does New York is an exhilarating survey of Banksy’s city-wide exhibit and at the same time a vibrant portrait of the city itself.

To win a double pass to see 'Banksy Does New York' email memberbenefits@actu.org.au with your name, address, union name and membership number before close of business Friday 24th April 2015.

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#RaiseTheWage!

Last Friday the ACTU made its submission to the Fair Work Commission’s Annual Wage Review, calling for a $27 increase in the minimum wage to $667.90 per week or $17.58 per hour. An increase in the minimum wage is especially important right now when you consider that minimum wages are at a record low of 43.4% of average weekly full time earnings.

“A $27 per week pay rise for our lowest paid workers is essential if Australia is to avoid creating an underclass of working poor,” said ACTU Secretary Dave Oliver.

In addition to a $27 per week increase to the minimum wage, the ACTU is also asking for compulsory superannuation to be increased by 0.5 per cent to 10 per cent for minimum award wage workers. This is to compensate Australia’s lowest paid workers for the cut to their retirement savings caused by the Abbott Government’s decision to freeze the 0.5 per cent increase to compulsory super that was due to come into effect on July 1 under the Superannuation Guarantee.

“Last year Joe Hockey raided the super accounts of Australian workers and that’s why unions are fighting to get 10 per cent compulsory super reinstated,” Mr Oliver added.

Read on


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Union Aid Abroad-APHEDA raffle

The Union Aid Abroad-APHEDA raffle is a key fundraising event, raising $90,000 in 2014! Your support helps build unions, provide skills training and create jobs in over 60 projects in 15 countries in South East Asia and beyond.

FIRST PRIZE is a TRAVEL VOUCHER VALUED AT $8,000. You can use the voucher on domestic or international travel through Flight Centre stores and you can also choose whether to take one big holiday or a number of smaller trips.

SECOND PRIZE is a GAZELLE ULTIMATE T1 bicycle valued at $2,199. Made in The Netherlands this hybrid commuting and touring bike has Magura hydraulic brakes, lightweight aluminium frame and has integrated dynamo and light for safe riding at night.

THIRD PRIZE is a GLEEBOOKS VOUCHER valued at $500. This great prize from Sydney's leading independent bookseller can be ordered online for delivery around Australia.

There are three easy ways to order tickets:

1. BUY ONLINE

2. DOWNLOAD THE ORDER FORM

3. FREECALL 1800 888 674, fax (02) 9261 1118 or email office@apheda.org.au

For more information and full terms and conditions visit  Union Aid Abroad-APHEDA.


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 Member Benefits  

Coming soon to a computer or mobile phone near you!

We are excited to announce that Australian Unions is launching some new and exclusive Member Benefits in late April. Our program is expanding to include:

  • Discounted movie tickets for Village, Hoyts, Palace and Event cinemas.
  • Discounted electronic gift cards - for JB Hi-Fi, Rebel Sport, Dick Smith, ITunes and My Fun (which includes major theme parks, zoos and aquariums).
  • A discounted accommodation booking site.
  • A new secure member only website and smart phone app.

All this is free to all members of affiliated unions. Details of how to register will be sent to members of our Australian Unions Member Benefit mailing list in late April. If you are not on our mailing list sign up now.

 So stay tuned and look out for your invitation to register.


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