ING DIRECT Australia – Introducer Online – Residential Mortgages – Interest Rates


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Residential Mortgages

Aggregate borrowing refers to total new residential ING DIRECT borrowings, excluding commercial loans.

To be eligible for Orange Advantage & Mortgage Simplifier LVR Based interest rates, the following conditions apply:

  • Applications must be for a new loan with new security property to ING DIRECT
  • The interest rate applicable is based on the capitalised LVR including any applicable LMI

Fixed Rate Loans will revert to the current Mortgage Simplifier variable interest rate at the end of the fixed interest period.

Important points to note:

  • Where applicable LVR Based Interest Rates will apply.
  • The interest rate discount that will apply at the end of the fixed interest period will be outlined in the customer’s loan documentation

For this to apply, the original loan amount, loan purpose and LVR must be eligible for LVR based interest rates at the time of application

Important info

Information and interest rates above are subject to change. All applications for credit are subject to ING DIRECT’s credit approval criteria. Interest rate discounts for LVR 90% or less are available only for new to ING DIRECT security property. This offer may be withdrawn at any time. Fees and charges apply.

The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

WARNING: If you select a fixed rate loan, break costs may be payable if at any time before the fixed term expires, you pay out your loan or you make additional payments of $10,000 or more in an anniversary year, or you ask us to change your loan type or fixed interest period. Break costs may be substantial.

Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to any of our products you, and your clients, should read the relevant Terms and Conditions booklet, available at our website or by calling 133 464. If you, or your clients, have a complaint, please call 133 464 at any time, as we have procedures in place to help resolve any issues you, or your client may have. Products are issued by ING DIRECT, a division of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.


Online server #ragnarok, #online, #ro, #private #server, #vps, #database, #guide, #job, #quest,


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Happy New Year From RMS

I missed the opportunity to greet everyone a Merry Christmas, so I will start by wishing everyone have a Happy New Year. Every year around this time, I have the feeling to take a look back at how Ragnarok Online has come along. As I have probably said it before, what started out as a pastime once upon a time during a Christmas holiday had turned into a major part of my life for the last 10+ years.

Over the last year, I’ve seen many players feeling nostalgic and came back to RO looking for their happy memory. This is all thanks to the years of work from many talented people put into emulator projects. While keeping good record of the game’s development, servers are able to go back in time and create their own golden age of RO. It is a really nice concept that servers these days can choose to start at one episode and live back in the time that they think is the best. I appreciate every servers created by people who have a heart for RO and the effort they put into (re)building the shared memory we have.

As for 2016, I await for more quality server to come and keep the community strong. Once again, thanks for supporting RMS over the years. Also thanks for all the players and developers that have contributed to Ragnarok Online.

I wish you all have a wonderful year in 2016.


Plumbing Tools – Equipment #super #rooter #plumbing, #general #wire #mrp-d #mini-rooter #pro


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General Wire MRP-D Mini-Rooter Pro Drain/Sewer Cleaning Machine W/75′ x 1/2 Cable & 4 Pc Cutter Set

Product Information more less

General Pipe Cleaners Electric Floor Model Machine w/ 75’x1/2″ Cable & Cutter Set

With 75 feet of 1/2″ cable and a 1/3 hp motor, the Mini-Rooter clears lines from roof-top to basement, including kitchen, bath, and laundry drains. This inexpensive, light-weight machine has lots of time-saving features. For instance, you can remove the drum in seconds for more portability or to switch to a different diameter cable – with no mess and no lost time. A distributor tube inside the drum allows you to feed cable in and out without chucking and releasing the cable every few feet – so you finish quicker. An optional power cable feed (sold separately) gives you better feeding and retracting control. For small drain work, you can order your Mini-Rooter with a J-Drum or a Dual Drum (both sold separately) for handling smaller, more flexible cables. An optional Mini-Rooter dolly (sold separately) lets you roll the machine to and from the job on 8″ semi-pneumatic wheels. Some Mini-Rooter safety features: A foot pedal that uses air pressure to start and stop the machine, with no electrical wiring between pedal and motor, a Ground Fault Circuit Interrupter, and a high impact plastic guard covering the motor pulley.

Specifications more less

    • WIDTH INCHES 18
    • DEPTH INCHES 12
    • HEIGHT INCHES 19
    • BRAND General Wire
    • CABLES CAPACITY 75′ of 3/8″ or 1/2″
    • DESCRIPTION Mini-Rooter w/ 75’x1/2″ Cable & Cutter Set
    • MAX CABLE LENGTH FEET 75′
    • PACKAGE QUANTITY 1
    • WEIGHT LBS 65
    • ROTATIONS PER MINUTE 165
    • HORSE POWER 1/3
    • INCLUDES Cable & Cutter Set
    • CABLES INCLUDED 75′ x 1/2
    • FOR USE WITH PIPE SIZE INCHES 1-1/4 to 3 & Most 4
    • SERIES Mini-Rooter
    • APPLICATION Small Drains, Inside Work, & On Roofs
    • MANUFACTURERS PART NUMBER MRP-D

Super Cheap Auto Insurance – Find the Best Super Cheap Car Insurance


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Super Cheap Auto Insurance

Super cheap auto insurance is now very easy to find by using the Internet. Now you can easily request multiple quotes from several providers to find the super lowest policy rates available on everything from policies for teens to military car insurance. This means you will keep more money in your pocket from a cheap policy to save for the future or put towards other expenses. Since these cheap insurance plans are now available, there is no excuse to ever drive without coverage again or to pay for expensive policies. Here are a few top ways you can save on policies to get you lowest plan possible.

Saving on Insurance

There are now many ways to find super cheap auto insurance. Thanks to the Internet, providers are now able to offer cheap plans because they have reduced the costs on running their businesses by moving processes online. Previously, you had to contact each provider separately to obtain vehicle insurance quotes by either calling them or visiting a local office. This probably would have resulted in you selecting the first quote you received because of the hassle in contacting each company.

However, times have changed drastically for the better and you can now request multiple super cheap auto insurance quotes and then compare car insurance quotes online in no time at all. By seeing the ease with which you can find so many super cheap car insurance plans, you will likely be inspired to find more ways of saving on the policy you choose. One of the best ways to save more is to see if any of the potential super cheap vehicle insurance providers offer discounts to their auto drivers.

One of the best ways to save even more on super cheap auto insurance policies is through auto driver discounts. The first main special offered by many cheap providers is a safe auto driver super saver plan. If you have a history of safe auto driving and don’t file a claim with the provider you choose for a certain length of time, you may be offered a safe driver discount. This is a reward offered by many temporary car insurance providers to those drivers who haven’t cost the company money through filing claims.

A few more super discounts offered by auto insurers are military specials and student specials. If you serve in the military, you deserve to take advantage of every discount offered to service members as a thank you for your service to the country. If you are a college student, you can benefit from the cheap student policies offered by many providers. The trick to finding a super cheap auto insurance plan is determining which discounts you qualify to receive and then utilizing every one. Be aware that you will likely need to show proof you qualify for a special before you will receive it.

One final way to save more on an auto policy is to see if your provider offers a payment discount. Some companies now offer discounts for those customers who make payments automatically online. You may also qualify for a payment reduction if you pay the premium in full when it comes due instead of making monthly payments. Another benefit to paying the plan in full is you won’t have to worry about making a payment each month. Of course, to pay in full, you will need to make sure you have enough money on reserve.

Evaluating Cheap Offers

No matter how super inexpensive the plans are that you receive for auto coverage, you will want to fully evaluate each one to make sure you choose a policy that offers the coverage you need. Fully evaluating a plan includes looking at the types of repairs that will be included on the plan as well as the deductible you will have to pay. For example, if you are required to pay a high deductible even though the premium is super inexpensive, you will need to evaluate if this is the right choice for your situation.

Hopefully by fully evaluating the terms and coverage of each super cheap automobile insurance plan, you will truly locate the best offer. Once you select a policy, you should become familiar with the claim filing process for that company. Hopefully you will never be involved in an accident and won’t have to file a claim, but if you do, the process will be greatly simplified by knowing how to do it. Then, you will quickly be able to contact an insurance representative and begin an auto claim.

Even after you have chosen a super cheap auto insurance policy, you may want to occasionally check online for other super inexpensive offers. By periodically checking for lower rates, you will be sure you are receiving the best offer to make the most out of the money you spend for auto coverage.