Top ten insurance questions
We get some interesting questions from our subscribers each month about various aspects of insurance ... so we've compiled a top 10 list of insurance questions and answers that embody a broad range of situations - and we're sure you'll find them of value!
Business Insurance Policy and the Importance of the Business Description
Does your insurance company really know what it is your business does? This article will help you to understand the importance of the business description and how it can help to avoid any nasty surprises should you need to make a claim.
A Quick Guide To Personal Debt Consolidation Loans
You can qualify for personal loans for debt consolidation even with bad credit. In fact, debt consolidation loans are meant to help people with bad credit rebuild their credit scores and get back on their feet financially, so these are some of the best personal loans around for people with credit problems
Personal Loans And The Consumer Credit Code
Understanding your rights as a consumer is essential in dealing with complex issues like personal loans and other finance. Here we reveal, in simple terms, how the Credit Code works for you.
Your Mortgage - The Ultimate Wealth Creation Tool
A mortgage is like the goose that lays golden eggs! You can use it to create a stream of money that's predictable, constant and can finance nearly any investment project. A stream of money that requires no risk, no time commitment, and best of all no effort!
Life Insurance: How much is enough?
When considering life insurance, you're planning and preparing for an event that most of us would rather not think about. But life insurance represents a critical step in managing your personal finances and ensuring your family's well-being.
The legal responsibilities of SMSFs
The benefits associated with utilising a self-managed super fund can be significant ... but they come with legal responsibilities - and getting it wrong can be criminal, writes Matthew McKee.
Choosing the Right Bank
Financial institutions are located all around the world. If you are looking to open a bank account, whether that bank account is a transactional account or a savings account, you have a number of banking options.
Income protection insurance
It's trite but true to say that, for most people, their most valuable asset is their ability to earn an income. But how relevant is income insurance to most Australians?
Business: Avoiding Loss with Proper Risk Management Strategies
A Financial loss is something that no business wants to suffer - and small business owners will do their best to avoid downtime, expenses and accidents. But will insurance provide the total solution? Or is there more needed to ensure business continuity?
Why Payday Lending Enhances Consumer Welfare
Today, We’ll defy the critics and demonstrate why consumer welfare is enhanced within a competitive payday-lending environment.
Where To Get A Debt Consolidation Loan When You Have Bad Credit
If you find yourself struggling under the weight of multiple loans, credit cards and other personal debts it can be hard to know where to turn for help. Your lenders may simply be unwilling or unable to give you any wriggle-room. If you find yourself in this situation, then it might be worth exploring the option of online debt consolidation loans
Loan Finance: How to Shop Around Without Damaging Your Credit
If you are considering taking out a loan, you wouldn’t go out of your way to make it harder on yourself to get approved or to get a good interest rate, would you? Yet many loan applicants would enjoy a considerably better outcome on their loan application if they followed this important rule.
Loss of income insurance: Case Study
Rebecca is a single, self-employed graphic designer who works from home. Aged in her mid-30s, she has monthly commitments of a mortgage and car payments and the usual living expenses.
Super Rules, OK?
Do you rule your superannuation or does it rule you? It's easy to fall for some myths about your super unless you do some clear thinking about who is in charge.
No Deposit Home Investment Property Loans
Residential property investment has long been one of Australia's favorite long-term wealth creation tools. In this article we look how you can get into the property investment market with a 100 per cent home loan finance for your new investment property.
Choosing a Home Loan Mortgage Broker
There are a number of potential pitfalls in relying on a mortgage broker for the best home loan solution ... particularly given the enormous growth in the broking industry and the recent entrance of new players.
Co-Signing Loans - Risky Business
There may come a time in your life when you are asked to co-sign for a loan or credit card. If this is the case, there are several things to consider before making a final decision. Technically, you are putting yourself at risk of damaging your own credit in the event that the loan goes unpaid.
The First Law of Money: Wealth Creation Starts With 9 Words
Wealth creation is a process described by a few essential laws of money. If you live by these rules, your chance of financial success is very good ... and yet the majority of people will struggle financially as they go through life. Why is this?
How Much Life Insurance Do I Need?
There are many different reasons to purchase life insurance (generation skipping tax, estate plan, estate preservation, surviving spouse needs, planning for your children's future and more). There is no right amount of life insurance, but here are some guidelines that might help you decide how much life insurance you need.
Five Worst Credit Card Mistakes
Credit cards can be an excellent way to manage your finances ... they can even be an investment tool. However your credit card can quickly become your enemy if not used correctly. Here are five of the worst mistakes most credit card holders make. If you can avoid these mistakes, you will benefit greatly.
Simple Tips On Getting Your Loan
So, you want to get a loan? Here are some simple tips that might help you make more informed decisions about the type of loan you buy, and from whom.
Default and Reposession
Most people would assume that a default under a loan contract means that payments haven't been made but, as you are about to learn, there are other reasons why a lender may have the right to repossession.
When Conventional Advice on Money Won’t Do
The fact is, conventional advice on money won't do. That's because conventional advice on money is oriented toward problems created by an unbalanced distribution of wealth in society and has little to do with the real situation facing middle-class families today. The typical financial columnist or talking head isn't examining how people with regular jobs can make it.
Values-Based Wealth Planning
No one over age 35 today is likely to live to see the end of the 21st Century. The inheritance you leave your children is reflected in the values they have learned from you about the role of money and property. Here are ways to plan for the future that give your heirs a perspective on their Inheritance that extends far beyond the dollar value of what you pass on to them.