Is now the right time to refinance your home?
So, interest rates have changed since you took out your home loan and you think it could be time to refinance your existing mortgage? But the entire loan application process was so exhausting during the initial loan that you're not sure it's worth the hassle? Maybe this article will be of help.
Who Needs Disability Insurance?
If you are like most people on this planet, you are not financially free. You would not be able to stop working and still support yourself and your family from your financial resources. Your continued ability to work in order to earn an income would therefore be one of your greatest assets.
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!
Risk Management - 8 steps To Avoid Litigation
Accidents, mistakes and misunderstandings can happen in any business. Some are settled amicably, others grow into full-blown disputes, and before you know it you could be facing a legal claim.
Credit - Your Friend or Foe?
In this article, we investigate the difference between money and credit. When either will buy those wicked sunnies or cute earrings, the difference can start to become more than a little blurry.
Insurance Claims - The Acid Test for Insurance Policies
How well a company handles their processes and the customer experience at claim time is what truly determines the real worth of the insurance policies that are being sold.
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?
4 Tips For Reducing Your Insurance Rates Dramatically
There are many different ways you can save in different insurance policies. However, some things that will help you save in one policy will have no bearing whatsoever on another policy. Here are things that will help you save across all insurance policies.
Five Tips For Shopping on a Budget
Sticking to a budget is hard enough, but malls, outlets and grocery stores don't make it any easier. With countless promotions, sales, and strategically-placed impulse-buy items, it's easy to get sidetracked and even easier to overspend!
Business Loans: Managing interest rate risks
"I want the protection in the current low interest rate environment but I don't want to be locked in for too long a period" - a commonly heard requirement from business borrowers.
The face of an ideal wealth creation strategy
One of the major objectives of any wealth creation strategy is to generate passive income at the lowest possible risk and cost. Here are some strategic insights to making it happen.
Types of Insurance Policies Every Business Owner Should Consider
Protecting business investment with insurance is a critical part of every sensible business owner's business plan. Insurance protects businesses from unexpected financial risks due to natural disasters, accidents, liabilities and losses, which may run in to thousands.
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.
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.
Do You Work For Your Money? Or Does Your Money Work For You?
A few simple ideas, when understood fully, lead people down the road to financial independence and wealth. You need to understand the difference between and asset and a liability. You need to understand the difference between earned income and passive income. You need to understand the three basic cash flow patterns. Finally, you need to understand how your focus in life ties it all together.
How to Build, Manage, and Maintain Wealth
So, you've tried everything to make more money. Now it is time to look at Tracy's three step system to begin building and properly managing your wealth.
How to freeze the Plastic Debt Dragon in Your Wallet
Are you scared to open your wallet knowing there is a fire snorting dragon lurking in there? You don't need to be afraid of your credit card, you can make it your friend. Here is a plan to choke the dragon and replace it with a friendly furry critter so you can start creating wealth in your life.
How Credit Card Balance Transfers Can Damage Your Credit Rating
Since the banks and finance providers have been castigated for the way they seemingly indiscriminately awarded credit to people who could ill afford it, the chances of being accepted for loans and credit cards have decreased. Concurrently, there is a greater focus on individual's being aware of how credit works and what their financial behaviors means in terms of a credit score and history.
5 ways to control your business insurance costs
When it comes to your business insurance, there are a few key things you can do to drive your costs down and ensure you're getting great value.rnTake control of your insurance - it's your business, after all.
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.
Top 10 Excuses For Not Having A Will
Every adult should have a Last Will & Testament but, for a variety of reasons, most people do not. Furthermore, of those people who do have a Will, most are not reviewed regularly or kept up-to-date. This article seeks to demonstrate the risks of not having a legal Last Will and Testament.
10 Tips - How to reduce your mortgage
Anyone who has ever had to pay off a mortgage will tell you they would love to pay it off before the term, but most people will continue to chip away at their loan on autopilot. A proactive strategy can cut your loan term from 30 years to less than half in some cases. Here are 10 ways to own your home sooner.
Living Below Your Means
Prosperity is defined as having more than enough resources to satisfy the needs of your family and an abundance left over. If your income is fixed and times are tough, it is still possible to be prosperous.
The 5 most common Business Insurance mistakes
Looking over your insurance premiums each year, you may be wondering how you could save a dollar or two on your next premium. As an intangible asset, it can be difficult to put a value on insurance ... until something goes wrong and you need to claim. In this article, we highlight the five most common mistakes that business owners make when evaluating their insurance requirements:
Utilising A Chattel Mortgage for Business Finance
A Chattel Mortgage loan is a simple yet effective finance option designed for business plant and equipment purchases. Here are six rules to consider when arranging finance for your business that will ensure that you retain full control over the loan process and save money in the process.