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Terms and Conditions – Nimble’s Halloween Giveaway

“Nimble’s Halloween Giveaway”

Information on how to enter and prize details form part of these terms and conditions. By entering this promotion you are deemed to have accepted these terms and conditions.

This promotion is being run by Nimble Australia Pty Ltd (ACN 135 501 807, Australian Credit Licence Number 386010) (Nimble, we, us or our).

Nimble’s Halloween Giveaway starts at 8:00am AEST on Friday 27 October, 2017. Entries will close at 11:59pm AEST on Wednesday 1 November, 2017 (Promotion Period), (collectively, the Promotion).

How To Enter

Entry into the Promotion is only open to Australian residents, 18 years and over, who have an active Facebook account (Eligible Entrants), excluding directors, management, agents, employees (and their immediate families) of Nimble.

To enter the Promotion  and go in the draw to win a $500 Coles Myer Voucher, you must:

  • Like the Nimble Australia Facebook page
  • Like Nimbles ‘Trick or Treat’ post
  • Post a photo comment on that post of yourself in the most wickedly creative halloween costume
  • Post the following hashtag with your photo comment: #NimbleTrickorTreat

Eligible Entrants can only enter the promotion once. Multiple entries are not permitted.

Determining a Winner – Test of Skill

This is a test of skill only. There is no element of chance in determining the winners. There is one prize to be won.

The winner (Winner) will receive one (1) Coles Myer voucher with the value of AUD$500 (Prize).
Judging of all eligible entries will take place by Thursday 2 November, 2017 at Southport, Queensland. Our decision is final.

The Prize will be awarded to the Eligible Entrant judged to be the most creative and innovative. Nimble will reply to the Winner’s post within two (2) business days of the determination, requesting the Winner to private message Nimble the details of the address they would like the Prize to be sent to.
The Winner is responsible for ensuring that the contact details they provided are accurate and up to date. We take no responsibility for inaccurate or incomplete details.
If the Prize remains unclaimed after fourteen (14) days of us notifying the Winner, or a Winner is disqualified in accordance with these terms and conditions, the Prize will be forfeited and distributed at our discretion.

If at any time Nimble is of the opinion that the entrant has provided false details, or otherwise entered this competition fraudulently or posted a photo which is not their own, Nimble has absolute discretion to refuse the winning entry and has no obligation to provide reasons to the entrant for its decision to refuse the winning entry. In the event that this occurs, Nimble will redraw a winner.

Prize Conditions

You are only eligible to win one prize. We reserve the right to withdraw a prize if there are no Eligible Entrants to receive that prize.

A prize, or any unused portion of a prize, cannot be transferred, exchanged or redeemed for cash. All other expenses associated with the prize are the responsibility of the winner.

The Prize will be subject to the Coles Myer Gift Card Terms and Conditions.

No Responsibility For Emails or Facebook Private Messages

Nimble assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorised access to or alteration of any online competition entries, facebook private messenger or email communications.

Release

By entering this competition:

  • the entrant releases and holds harmless Nimble Australia Pty Ltd and its related entities and Facebook from any liability, damages, losses or injury resulting in whole or in part from the entrant’s participation in this competition; and
  • the entrant acknowledges the competition is no way sponsored, endorsed or administered by, or associated with Facebook.

General

We reserve the right, at any time, to verify the validity of entries and Eligible Entrants (including an entrant’s identity and place of residence) and to disqualify any entrant who tampers with the entry process. Failure by us to enforce any of our rights at any stage does not constitute a waiver of those rights.

We are not liable for any prize that may be lost, stolen, forged or tampered with in any way after after it leaves our possession.

If we are unable to provide a winner with a prize (or part of a prize), we will supply an alternative prize (or that part of the prize) of greater or equal monetary value and/or specification.

If for reason, we are not able to conduct the promotion as planned, including due to tampering, unauthorised intervention, fraud, any technical difficulties or any other causes beyond our control, which corrupt or affect the administration, security, fairness, integrity or proper conduct of this promotion, we reserve the right in our sole discretion to take any action that may be available.

We exclude all warranties in relation to the suitability or merchantability of a prize, except those that cannot be excluded by law. To the fullest extent permitted by law, any liability of Nimble or our employees or agents for breach of any rights a consumer may have which are unable to be excluded under Australian Law, is limited to the payment of the costs of having the prize supplied again.

This Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook.

By entering and participating, you agree to hold harmless, defend and indemnify Facebook from and against any and all claims, demands, liability, damages or causes of action (however named or described), losses, costs or expenses, with respect to or arising out of or related to:

  1. your participation in the Promotion; and
  2. your acceptance of the Prize and/or use or misuse of a Prize (including, without limitation, any property loss, damage, personal injury or death caused to any person(s)).

To the extent permitted by law, we are not liable for any loss (including indirect and consequential loss) or damage or personal injury suffered or sustained in connection with the promotion in the supply of goods or services by any person to the Winner, and where applicable to any persons accompanying the Winner. We accept no responsibility for any tax liabilities that may arise from winning the Prize.

Handling Your Information

Nimble will handle your personal information in accordance with the Privacy Act 1988 (Cth) and our Privacy Policy. By entering this competition, you consent to your personal information being collected, used and disclosed by Nimble or our related companies and other third parties in accordance with our Privacy Policy, including for marketing purposes. Nimble may also contact you by email from time to time with financial offers, products, services or other promotional offers that may be suitable to you.

Unsubscribing

If you prefer not to receive marketing information from us, you may opt out at any time by clicking on the unsubscribe link within the emails that Nimble sends you which will remove your email address from our email client database.

Contact

If you have any concerns or questions on how Nimble deals with your personal information, please feel free to email us at: customercare@nimble.com.au

2017 EOFY Tax Tips: Getting Your Finances in Order

As June 30th draws closer and the end of financial year looms on the calendar, now is once again the time to prepare for that annual meeting with your trusty accountant. Whilst you might think that tax deductions are the exclusive domain of high flyers and big business honchos, anyone who works for a living (i.e. salaried employees) is entitled to claim them. Whether it’s been a particularly busy or expensive year for you with work-related expenses galore, or just the regular course of events, it never hurts to collect those receipts you’ve been diligently stuffing away in a shoebox and get something back from the taxman. To help you get tax fit for FY 2017-18, we’ve put together two simple steps anyone can follow.

1. Collect Receipts & Track Your Expenses 

The first step for getting a handsome tax return at the end of financial year is to collect all relevant receipts and track all expenses relating to your work or source(s) of income. Since Australian tax law allows the deduction of any expenses incurred in generating an income, including taking your 9-5 work home with you, this is by far your best way to bring home the bacon after June 30! Thanks to the power of smartphones, collecting receipts and tracking your expenses has been made super-easy with these nifty apps:

  •  Concur (Desktop & Smartphone) – A handy tool allowing you to automate your travel and work-related expenses in addition to managing invoices. The ability to take a photo of a receipt to store for later is our favourite feature.
  •  Pocketbook (Smartphone)Pocketbook is a powerful personal budgeting app that allows you to track and categorise all of your spending.
  •  TrackMySpend (Smartphone) – Developed by ASIC, TrackMySpend does just that, helping you keep tabs on where your money goes for tax time.

2. Minimise Your Tax Liability (Legally of Course)! 

Having sorted out your shoebox of receipts, the next step is to book an appointment with a qualified tax accountant after June 30 so you can make the most out of any tax deductions you’re eligible for, whilst minimising the risk of landing on the wrong side of the ATO! In the meantime, here’s a few more things you can do before the end of financial year:

  • Bring forward any big work-related expenses before June 30

Big expenses like buying new work uniforms, laptops or equipment are all legitimate tax deductions, which can be instantly written-off up to the value of $20,000. Even enrolling into work-related courses or seminars can be tax deductible, meaning the possibility of extra cash in the bank!

  •  Claim all relevant tax deductions

Another thing to keep in mind is the large list of legitimate tax deductions available to all Australian employees, which the ATO details here. Many of these deductible expenses are generated during day-to-day employment and can include the following items:

  • Education expenses (attending industry conferences, seminars, enrollment fees etc)
  • Internet and mobile phone connections (a portion reflecting work-related usage)
  • Home office equipment costs (computers, printers, telephones etc)
  • Home office running expenses (heating, cooling, lighting, cleaning, carpet wear & tear etc)
  • Vehicle expenses (fuel, work-related travel etc) (a portion reflecting work-related usage)

Need a little extra help paying for that new laptop or seminar before EOFY 2017? Or how about bringing forward some of your other work-related expenses to keep your hard earned cash in your back pocket instead of handing it over to the taxman (and no, Jimmy Choo doesn’t make steel capped boots!)? Check out our smart little cash loans from Nimble!

 

You should read this bit: The above post contains links to a variety of application software (“App, Apps”) that is not affiliated or associated with Nimble. We do not have any control or responsibility over the content of the Apps. Use of the Apps may be subject to further terms and conditions imposed by the App provider, the owner of the mobile operating system and/or other related parties. The above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post. The information in this blog post is general information only and does not take into account your objectives, financial situation or needs. For tax advice relating to your specific financial situation, Nimble recommends seeking the services of a qualified Australian tax accountant. The information contained in this blog is correct at the date of publication.

Hot Tech Trends Changing Our Daily Life

Remember the good old days of dial-up internet in the 1990’s and the amazement we felt at being able to send emails to people anywhere in the world at any time? The excited “you’ve got mail!” we heard as a reply landed in our inbox? Or for that matter, the launch of the revolutionary Apple iPhone just under 10 years ago, which gave us the novelty of browsing the internet on the train to work, when sitting at the dinner table with friends and pretty much everywhere else? There’s little doubt we’ve all been swept up in these rapid digital technology changes that have occurred in a very short space of time. So if you’re keen to keep two steps ahead of the changing technological guard next time, we’ve put together a handy and up-to-date list of three hot tech trends set to change how we live our daily lives in years to come.

 

1. Internet of Things (IoT)

Ever wondered what your smartphone would say if it could talk? The tales it would tell about you! Or how much easier life would be if your fridge had a mind of its own and could send you a handy text to pick up a carton of milk on your way home from work? The Internet of Things (also known as IoT) is making all this and more a possibility, by connecting common devices or “things” via Wi-Fi.

 

  • Wearable Devices

Perhaps the most obvious example of the Internet of Things are wearable devices that have risen to fame in recent years, thanks to the launch of high tech gadgets like the Apple Watch and Fitbit to name a few examples. Able to track our daily movements and much more, these handy add-ons are helping make us more sci-fi by the day!

 

  • Voice Search

As well as being able to connect common digital devices into one big happy family, another quirk of IoT is the ability it gives us to talk directly to those devices to ask questions (hello Google!) or simply give commands (Alexa, turn off the lights)! Chief amongst voice search technologies worth keeping an eye on are Google Home and Amazon Alexa, coming to a home near you…

 

2. Fintech 

Gone are the days when taking out a personal loan, or any money for that matter involved finding time to line up in a stuffy branch of an established big bank. Thanks to the advent of Fintech (or financial technology), a range of nimble startups (no pun intended) have emerged to offer us alternative ways of getting our hands on cold hard cash.

 

  • Bitcoin 

The poster boy for fintech is Bitcoin, a cryptocurrency developed by a bunch of hardcore computer programmers who kindly released their invention onto the online world in 2009. Unlike traditional currency (i.e. the Aussie Dollar), Bitcoin works by allowing holders to conduct transactions online directly, without any meddling intermediary (such as the Reserve Bank or ATO). Transactions are instead verified by a blockchain, a fancy database that lives deep in cyberspace!

 

  • Nimble Algorithm 

Another innovation out of the fintech revolution is Nimble ourselves, with our top secret algorithm using machine-learning technology and behavioural data to assess every loan application against a broad range of various data sources, with potentially thousands of data points, all within minutes. This allows us to quickly assess borrowers’ applications and get our small cash loans transferred into approved borrowers bank accounts within an hour of borrowers confirming their loan, giving them access to their money faster, so they can get on with their life.*

 

3. Health & Fitness Apps

Keeping fit and fab has never been more important than in today’s image-obsessed world! Instagram and #fitspo workout selfies aside, there are some seriously cool gadgets and health & fitness apps on the market to help you get the most out of exercise and get rewarded for doing it.

 

  • Exercise Tracking 

As mentioned under the Internet of Things, wearable devices like the Apple Watch and Fitbit have entered the mainstream in recent years, allowing us to track our daily steps, monitor our heart rate, measure our walking or running speed and tell us how we’re doing on the calorie burning front amongst many more features. Don’t want to invest in the above? No problem, there’s plenty of stand-alone apps that work a treat on any smartphone, including Endomondo, Google Fit, Pocket Yoga and RunKeeper.

 

  • Lowering Health Premiums

Last but not least, thanks to the ability to measure our physical activity comes the opportunity to also be rewarded for that gruelling early morning workout session or even for just maintaining a regular gym routine. Qantas has got in on the act with their Qantas Assure program where you can earn frequent flyer points for being active, whilst insurance providers like AIA Vitality and Asteron Life are offering customers lower premiums.

 

Keen to get your hands on some of this cutting edge new technology? Check out Nimble‘s smart little cash loans to help you pay for that all-important pre-order or to impress your favourite tech-head with an unexpected gift.**   

 

You should read this bit: The above post contains links to a variety of application software (“App, Apps”) that is not affiliated or associated with Nimble. We do not have any control or responsibility over the content of the Apps. Use of the Apps may be subject to further terms and conditions imposed by the App provider, the owner of the mobile operating system and/or other related parties.  The above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post.

The information in this blog post is general information only and does not take into account your objectives, financial situation or needs.

The information contained in this blog is correct at the date of publication.

*Once your Nimble loan is approved, it’ll be transferred to your bank account within 60 minutes of confirming your loan, if confirmed by 4:30pm AEST during banking days. Otherwise, the payment will be processed on the next business day. Clearance time is subject to your bank. Depending on your bank, you may be paid within minutes of confirming your loan 7 days a week, including public holidays.

**This is not a loan offer. Loans are subject to meeting Nimble’s lending criteria and suitability checks.

6 Top Travel Trends

Regardless of whether you’re an adventurous traveller or prefer to keep the pace slow, there’s an abundance of travel trends you can get on board with.

We’ve compiled a list with 6 of the hottest travel trends right now, with a little help from some of our digital friends Kayla Manoe, founder of Kelana by Kayla; Stephen and Jess; Co-Founders of Flying the Nest; Scott Purcell, Co-founder of Man of Many and James Banham, editor at The-F.

    1. Go where the good food is

“If the millions of travellers around the world have told us one thing through their pictures and stories, it’s this; food is where it’s at,” says Co-Founder of Man of Many, Scott Purcell.

There are countless anecdotes, guide listings and tasty memories from travellers about the food markets in Hong Kong and Singapore, the raging brunch trend in Australia, the hearty and meaty dishes of southern America and the cultural explosion that is European cuisine. All put food right at the top of the pile when it comes to ‘reason to travel’.

“Search ‘#food’ on Instagram and be bombarded with millions of images of some seriously sumptuous sights that are as good enough a reason to book a ticket to essentially anywhere as soon as you can muster!” Scott says. We couldn’t agree more.

    2. Active retreats   

Health, wellness and fitness retreats are the new beach holiday! There are loads of options out there, aimed at getting you moving, unwinding from the stresses of everyday life and nurturing your mind and body. These might include hikes and boot camp style breaks or something more gentle (but no less challenging in their own right) such as yoga and meditation retreats.

    3. Working holidays

Travelling for work? Make the most of your work-expensed flights by extending your stay for a few extra days or using the trip as a launching pad for a longer break. If you’re short on time and don’t have flexible flights, make the most of your spare hours (however limited) and discover the sights and sounds of your destination after you switch off for the day. Explore the streets with your camera in hand, grab a bite at a notable restaurant or maybe, just maybe, squeeze in a visit to one of the landmarks if you can get in before closing time.

    4. Live as the locals do

Getting off the beaten path is an experience that more and more explorers seek out on their travels abroad. Do your research to find local events and hangout spots, ask friends and family who may have been to the destination before for their hot tips or just wing it and see what you can find. Need a helping hand? Airbnb have recently launched an ‘Experiences’ tab which allows you to get a sneak peek into the lives of a local, as your host guides you around town or takes you through a workshop with a local flair to it.

    5. Volunteering and sustainable travel

Travel is a rewarding experience in itself, but you can take it to the next level by giving back to the community you’re visiting by volunteering and engaging in sustainable travel practices. Stephen and Jess, Co-Founders of Flying the Nest say “Volunteering abroad is quickly growing to be a popular alternative to someone’s gap year and it’s not just for the new explorers, we see plenty of families and people having a mid-life or mid-job crisis.”

There are many credible organisations out there that specialise in coordinating volunteer holidays. Think anything from conservation projects working with native animals and wildlife preservation to building and infrastructure development or teaching a language or specialist skill.

While volunteering abroad and being a sustainable traveller isn’t always the cheapest way to go, your actions certainly go a long way! Kayla Manoe, Founder of Kelana by Kayla shares a few ideas for incorporating responsible practices into your trip:

  • Opting for train and bus travel
  • Boycotting cruel animal attractions
  • Reducing waste
  • Shopping fair trade

These activities “are all incredibly important in sustaining the environment and providing a more positive and rewarding experience for all involved” she says.

    6. Staycations

Sometimes you don’t need to go far to have a good time. “One of the most popular travel trends on the rise is the oft-underrated staycation,” says James Banham, Editor at The-F.

“Instead of spending time and money on expensive flights, stick close to home and spend the extra dollars on wine, cheese, an award-winning restaurant or a zippy convertible for the weekend.

It’s also a great opportunity to discover more about your own backyard, and by supporting local businesses you’ll be putting the dollars back into your local economy. We’re spoilt for choice in Australia – there’s no excuse not to see it all.”

Feeling inspired but don’t have quite enough in the piggy bank just yet? Nimble offer small and medium loans and you can borrow money fast with our cash loans online. Happy holiday planning!

Quick heads up: The above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post.

The information in this blog post is general information only and does not take into account your objectives, financial situation or needs.

The information contained in this blog is correct at the date of publication.

Great Weekend Activities for the Kids on a Budget

Finding activities to do with the kids on the weekend doesn’t have to cost an arm and a leg – or your sanity!  Here are some of our favourite indoor and outdoor activities that will keep the kids busy and be a whole lot of fun too, even if you’re on a budget.

INDOOR ACTIVITIES

Whip up a kitchen masterpiece

Teach the kids a thing or two about food, nutrition and cooking by spending a few hours in the kitchen together. If you often find yourself short for time during the week, you might even like to get a head start on meal prep for your dinner ideas for the week or lunchbox snacks that the kids can enjoy later. Get busy mixing and stirring, pouring and chopping – and don’t forget the good old lick of the spoon (for quality control of course)! As a reward, sit down and enjoy the tasty treats you’ve created.

Take it to the next level: Book the kids into some cooking classes. They will help to refine their cooking skills, allow them to learn more about nutrition and produce, mingle with other kids their age and express themselves creatively.

Release the artist within

Allow the children to let their imaginations run wild with some DIY arts and crafts. Not sure where to start? We recommend storing recyclable packaging in the lead up to the weekend such as egg cartons, milk bottles, cereal boxes and newspapers. Grab some masking tape, stickers, crayons, glitter (if you’re game) and more and see what masterpieces the kids can come up with. If you have some larger moving boxes handy you might even like to work on building a car, spaceship or any other mode of transportation you like for future playtime – the sky’s the limit! This is a great one for rainy days.

Take it to the next level: Enrol in a term of art classes. Not only will the kids be guided by an experienced teacher but they will have access to more materials and be able to get the messy bits out of the way while they’re out of the house!

Rally the troops for games night

A fantastic way to bring the family together without spending a fortune is to hold a games night. Classics such as Monopoly, Battleship, Guess Who and Uno are good ones to start with, and can be purchased without draining the savings too much on a visit to your local Big W, Kmart or Target. So what are you waiting for? Dust off your favourite board games and set of cards and get playing!

Take it to the next level:  Purchase a game console such as Xbox, or Playstation and some family friendly games. The big and little kids in your house will love this one, especially when the weather keeps you indoors.

OUTDOOR ACTIVITIES

Take a walk on the wild side

Put on your walking shoes and explore the great outdoors by going for a hike together. National parks are a great place to start, typically offering a few trails of varying lengths, conditions (i.e. pram friendly) and difficulties so you can find one that suits your needs. Refuel after the journey with a pre-packed picnic or bringing along ingredients and utensils for a barbecue if there are facilities you can use there.

Take it to the next level: Set yourself up with all the camping essentials such as a new tent, sleeping bags, cooking equipment and more and go for a long weekend away.

On your marks, get set – GO!

Revive the classic races from your primary school sports days such as the egg and spoon race or the three-legged race by holding your very own mini sports carnival. Use your own backyard if you’ve got the space or head down to your local park. This one is a great way to get the kids out of the house, especially for birthday parties or when they have friends over to play. Medals and certificates for each participant will make everyone feel like little champions for taking part in the festivities.

Take it to the next level:  Play a few rounds of mini golf or bowling, discover Go Karting or chase each other around at Laser Tag! There’s loads of different activity centres out there for children of all ages to enjoy.

Ride on two (or four) wheels

Get a good dose of vitamin D and fresh air by pulling out your favourite set of wheels and going for a ride on your local bike path.  Bring the bike, scooter, rollerblade or skateboard and necessary protective gear. Packing some snacks for pit stops along the way isn’t such a terrible idea either for treating hungry bellies.

Take it to the next level: Spoil your little ones with a new set of wheels. Not only is it great for getting them outside but it’s a fantastic way to get moving and spend time together as a family.

Wondering how to get money fast? Nimble loans could be a good option for you and your sanity with keeping the kids busy! Offering small loans for your short-term entertainment needs. Still looking for more ideas? Check out this blog post for some great holiday activities for kids.  

Quick heads up: 

The information in this blog post is general information only and does not take into account your objectives, financial situation or needs.

The information contained in this blog is correct at the date of publication.

Bored at work? We can help with these 4 techniques

It’s totally normal to go through peaks and troughs of motivation and boredom at work.

 

Heck, you’re there for most of your day and there’s a lot that can happen in those 8+ hours!

 

But if you’re feeling down about your day-to-day routine, you’re probably wanting to know: how do you put the spark back in your relationship with your 9-5?

 

The heavy stuff:

 

Some reports suggest that we’re facing a worldwide employee engagement crisis.

 

And in Australia, 60% of employees are disengaged from their workplace.

 

Here’s how you can take charge:

 

If you’re worried that you are feeling a little less in love with your job, perhaps try one of these 4 techniques:

 

  • Change the way you work. It could be something as simple as a new approach to doing things, changing up your morning routine or swapping your desk for a standing table and trying a different environment.

 

  • Look at the big picture and practice some good, old fashioned gratitude. Try writing down all the things you like about your job. Then go and do more of those things!

 

  • Take some time out and have a coffee with your work colleagues or your boss and ask about their weekend or their family.

 

  • Get creative and try something new – ask your boss if you can enrol in some online training and learn a new skill. It’s amazing how motivated you’ll be when you’ve got some new tricks up your sleeve.

 

work routine

 

Hopefully these helped boost your motivation!

 

However if you’re still struggling with all things work, it might be time to have a little chat with yourself and think about your options.

 

Life’s too short etc etc [insert your fave motivational quote here]!

Working with Millennials

Millennials are set to be the most dominant force in the workplace.

 

Not only that, but they’re going to reshape the work world, according to this PwC report on the matter.

 

It’s no wonder, with the advancement of technology and industry pathways now available to young adults entering the workforce.

 

But does that mean that all offices will have ping pong tables and beanbags (even though they are really fun and we regularly enjoy using them here at Nimble)?

 

For starters, Millennials approach work and life in a completely different way to the generations that came before. Where Baby Boomers and Gen Xers look at their career path with a ‘in it for life’ set of eyes, Gen Y and Millennials are open to exploring new industries, jobs and countries at a rapid rate.

 

This CNN article reports that if you’re under the age of 32, chances are you’ve had at least four job changes up to that point (which equates to about one change every three years).

 

Heck that’s a lot of CV updating!

crew-88121

 

So what do businesses have to become to retain good Millennial employees (and employees in general)?

 

Look, we reckon Millennials are given a hard time by older generations (and the media). Despite the growing list of demands a Millennial employee might have before starting a new job, there’s some pretty good pay-offs

 

  • Millennials need to do meaningful work. Yes, we know that sounds like a cop-out, but for a lot of new businesses (startups as we affectionately call them) they’re focused on bringing about change. This is probably why startups are a such a prominent hub for millennial workers.

 

  • The culture of a business will be the defining factor if they want to attract good employees whose values align with the business. And the good employees will want to do work with purpose.

 

  • Another important aspect is learning on the job. Engaged and enlightened employees are constantly looking for new ways to do things, to pick up different skills and to be soaking up new and relevant information that will not only develop them professionally, but also personally.

 

  • Millennials reject strict corporate silos. They want regular and transparent communication and feedback. They want diversity in their work. They want to be able to ask questions. This kind of analytical and inquisitive work behaviour is vital to changing policies and entering new markets.

 

Here’s the crux of it: they value an employer brand just as much as a consumer brand.

 

Embracing the digital

 

Yep, one of the reasons Millennials are proving to be so powerful is their affinity with tech. They don’t know what it was like waiting for dial up internet in 2004. They don’t know what it was like living with a Nokia 3310 (or they might, seeing as those phones never die. Also they’re making a comeback – see here). They have always had Google to fall back on when they couldn’t answer a question. That’s pretty incredible – and powerful – stuff.

 

It means that they have a better grasp on business tools than their predecessors and as such, their behaviour does differ slightly, too.

 

With digital comes the fast-paced and constantly evolving environment, which also means that millennials will most likely be equipped with the agile nature of a generation who is used to this landscape of change.

 

And that’s good news for business.

 

Quick heads up: The above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post.

The information in this blog post is general information only and does not take into account your objectives, financial situation or needs.

The information contained in this blog is correct at the date of publication.

Larger loans, longer schedules.

Need a bigger loan?

Woo hoo! We’ve got some awesome news to start your week…

You might notice some pretty radical changes ‘round here.

Actually, people have been asking for them for a while now, so we sat up, took notice and knuckled down to bring them to you.

So without further ado, here they are…

Firstly, now you can request up to $5,000*.

If the money is for something bigger, like booking your next overseas trip, it could come in handy – and you won’t be married to a lifetime of debt (hello, Europe).

Europe

Secondly, a lot of people have said they want more flexibility in their repayments.

So when you set up your next loan, before you confirm it, you can extend your schedule to make the repayments a bit smaller*. Find the perfect balance of comfortable repayments with smaller instalments, while still being able to pay your loan off fast, and get on with your life.

Want more info?

We’ve broken up our loan types into two:

Small Loans

  • Loan amount: $100 to $2,000
  • Loan term: from 62 days up to 1 year
  • Fees and charges: If the principal amount you borrow is between $100 – $2,000 you’ll pay: 

        – Establishment fee: up to 20% of the principal amount

         – Monthly loan fee: up to 4% of the principal a month

Medium Loans

  • Loan amount: $2,001 to $5,000
  • Loan term: from 62 days up to 2 years
  • Fees and charges: If the principal amount you borrow is between $2,001 – $5,000 you’ll pay:

        – Establishment fee: up to $400

        – Interest charges based on the Annual Percentage Rate (APR): 39.20%

        – Comparison Rate**: 56.60% p.a.

The stuff you should know about our new Medium Loans:

**This comparison rate is based on our Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee.

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.

Nimble does not offer loans for $2,500 over a term of 2 years.

See our full Fee Statement for fee details, including fees that may apply if you don’t make your payments as scheduled after you sign the loan contract.

The really awesome news:

So next time you apply for a Nimble loan, you’ll have more options. Request more money. Make your schedule a little longer, or keep it all the same. It’s totally up to you.*

Need some money? Try it out for size: www.nimble.com.au/  

 

 

*Loans are subject to meeting Nimble’s lending criteria and suitability checks. Approved borrowers may be eligible for a loan from $100 up to $5,000.   Borrowers approved for a Small Loan are only eligible to borrow up to $1,600 on their first Small Loan.

The information contained in this blog is correct at the date of publication.

It’s not Monday, it’s your job

Let’s get one thing straight. Mondays should be hectic. They should be busy, exciting, productive, chaotic at times and fulfilling the rest. If you’re spending Sunday night curled up on the couch dreading the next day, then maybe you should be taking a look at how you can change that (without blaming it all on your job).

Have you ever thought that maybe it’s not the end of the weekend you’re lamenting, but the start of your working week?

Sure, there’s an inherent belief that Mondays tend to be the worst day of the week – that’s something that has been ingrained in us since we were old enough to go to school. But at Nimble, we think Mondays are another chance for us to make a positive change in someone’s life and to do what we love for (at least) 8 hours a day.

If you’re one of the lucky ones spending your days in your dream job and just have the occasional bout of Monday-itis, then here’s our top 3 quick fixes to aid your Monday blues:

  1. Mix it up with walking meetings – you’re blocking out the time to have a catch up anyways, why not do it in the great outdoors rather than the stuffy office meeting room? Catch a tan, get your day’s cardio in and get your ticker pumping.
  2. Instead of taking a creative break and cruising Facebook for 20 minutes, why don’t you take a stroll over to the kitchen, grab a glass of h20 or have a friendly chat to your favourite colleague? Or drum up a singalong in your team by sharing your favourite playlist on Spotify.
  3. Go outside for lunch. Try bringing your own (BYOL – see what we did there?) and keep it fresh with healthy salads, wraps, sangas or trusty leftovers. Forgotten your lunch? No biggie. Walk an extra few metres and try the new joint up the road rather than the unhealthy (easy) cafe option next door. Trust us, you will be buzzing with creative energy after a little break outdoors and your boss will be frothing over all the productivity!

Do you hate the work that you’re doing? Sure, if your job is making you wildly unhappy for a myriad of reasons, then maybe it’s time for a change – you never know, your dream job might just pop up when you least expect it!

The information contained in this blog is correct at the date of publication.

Nimble Survey Winners

We had almost 9,000 of our members take part in Nimble’s latest survey.

This one focused on the types of services you’d like to see from Nimble, the types of loans you already have or need and areas of finance you’re interested in.

We love hearing from you guys and filling our brains up with great feedback from our members, so thank you everyone who participated!

To make the survey just that little bit more awesome, we gave away 2 x $500 Flight Centre vouchers and 5 x $200 Coles Myer vouchers to our lucky members who gave us the best answers to, “What’s the best product Nimble could offer to meet your financial needs?”

Here’s what the winners had to say:

“An expense coach.. Something that assists with discipline of spending/over spending. All income/wages into one account and payments/expenses are controlled or made on your behalf by the service provider. For any leisure spending, user would have to put in a request for funds and if the request does not meet the financial goals set and agreed to by the client at inception then funds are declined. Term is predetermined at beginning e.g 3 months, 6 months, 12 months etc. On conclusion the expense coach has assisted in helping the client reach their financial goal – car, holiday, deposits.”

Damien, NSW

 

“A finances tracking app – many consumers utilise short-term loans for unexpected expenses. However, many of these unexpected expenses could be covered had the consumer budgeted more appropriately. I don’t foresee this negatively impacting Nimble’s core business, but rather than consumers would view this is a high value-adding product/service.”

Chad, VIC

 

“A product where I can find my own car online e.g Gumtree or Carsales, negotiate my own price, I get a loan from you on the car and you set me up a easy payment plan on the car.”

Areta, QLD

 

“I’m travelling to America in November December… I know the prepaid cards can be used internationally but maybe have something more tailored for customers needing back up funds overseas.”

Jessica, NSW

 

“Nimble should build apartments and consumers could move in and there rent would contribute to a % of ownership.”

Nicholas, VIC

 

“The best product Nimble could offer me is a points system that rewards people who repay their loans quicker than the repayment schedules, the quicker it’s paid back the more points awarded, these points could be redeemable for things like vouchers or deals etc, also a rollover so any leftover money on the Nimble Visa Prepaid Card stays there when a new payment is made onto it.”

Dillon, WA

 

“Instant IOU service. A pre-approved overdraft of sorts for the just in case moments. Maybe only a couple of hundred bucks.”

Louise, NSW

 

The information contained in this blog is correct at the date of publication.

Walking it out – Nimble takes on Steptember

Do you dig walking cliches? Then this post is for you…

The who:

The Nimble crew took to the streets recently to help a cause close to our hearts.

The what:

We had three Nimble teams pounding the pavement in the 2015 Steptember challenge, raising a total of $824.26 by walking 10,000 steps a day from 2 – 29 September.

The why:

The challenge is focused on raising awareness and funds for the Cerebral Palsy Alliance (as well as improving our cardio fitness, hello summer!).

As part of our Random Acts of Nimbleness, the business matched that of our step-happy teams, bringing the total up to $1,648.52.

Huge congrats to our awesome team mates who stepped up.

 

The information contained in this blog is correct at the date of publication.

Thankyou Group

Yeah, we think we scrub up alright.

Just by munching on some delicious muesli bars* and washing our hands with some yummy soap, we’ve helped almost 57,000 people this month. No biggie.

It’s hard to imagine that every time you choose a brand of hand wash you’re impacting the earth in a positive or negative way.

Well, the team at Nimble has made that our reality. Cue: Thankyou®.

As part of the Nimble Community initiative, our team of eco- and social-injustice warriors have changed up the products we’re using on our skin and feelin’ pretty darn good about it, too.

So far, from changing something as easy as the brand of handwash we’re scrubbin’ up with or the muesli bars we eat at morning tea, we’ve contributed to helping:

  • Food projects for 56,817 people in Darfur, Sudan
  • Health projects for over 100 people in Matangani, Zimbabwe

It feels awesome to know that every time we wash our hands, we’re helping fund social and economical change in developing nations. (Let’s not forget that the Thankyou®  stuff makes our job pretty easy.)

We love partnering with awesome Aussie businesses doing epic things worldwide.

*Note – we have since ordered 20 more boxes of these because we can’t get enough!