Implementing a budget is an essential component to succeeding in money management. A budget will allow you to determine exactly how much money that you have, what debts that you have, highlight the cost of any excesses that you may indulge in - and provide a general perspective of exactly where each and every penny that you possess is going.
The Weird and Wonderful World of InsuranceWe came across this amusing (but true) insurance story with an interesting twist. Only in America!
Five Worst Credit Card MistakesCredit 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.
A Quick Guide To Personal Debt Consolidation LoansYou 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
7 Tips for Holding Your Nerve Through Market Volatility Sharemarkets can be quite volatile from time to time. Even experts can find their portfolios under pressure, so it's important to be aware of how to maintain your investor focus when things go south. Here are 7 timeless tips that we have prepared to help you keep your cool through turbulent times.
4 Tips For Reducing Your Insurance Rates DramaticallyThere 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.
The legal responsibilities of SMSFsThe 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.
The Second Law of Money: Wealthy People Don't Own MuchThe second law of money describes how wealthy people protect their assets. Building wealth is only half the game, preserving it is a different skill all together.
Why Payday Lending Enhances Consumer WelfareToday, We’ll defy the critics and demonstrate why consumer welfare is enhanced within a competitive payday-lending environment.
Your Mortgage - The Ultimate Wealth Creation ToolA 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!
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.
The 5 most common Business Insurance mistakesLooking 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:
Insurance Claims - The Acid Test for Insurance PoliciesHow 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.
Default and ReposessionMost 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.
Handling Financial Situations As a Married, Unmarried Or Divorced WomanWhether you are in a committed relationship or are a happy single person, you should make it a top priority to understand your finances. This article will highlight some of the key points that you need to understand to take control of your finances and your financial goals.
The Four Golden Rules Of Personal Finance As long as you're alive, you are a player on the field of the 'money game'... and you'll need to know the basic rules before you get tagged by the more experienced players!
Utilising A Chattel Mortgage for Business FinanceA 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.
Balloon Payment Loans: 6 steps to make the loan profitableDid you know that you can reduce the monthly payments on a loan to half of what they should be by using a balloon payment? Handled correctly, structuring your loan to include a Balloon Payment will increase your bottom line. Mishandled, a Balloon Payment can cause real headaches. Here are 6 steps to keep it smart.
5 Tips for Dealing With your next Insurance ClaimSometimes processing an insurance claim after a catastrophic event can turn into a nightmare. This article contains some pointers on how to handle the bureaucracy and confusion that can occur when filing a claim.
Insurance DisputesJust because your insurer has rejected your claim, does not necessarily mean that your case is closed. If you think that you have been unfairly treated, here are some ways to get the insurer decision overturned.
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.
10 Tips to Help You Find a Superior Financial ConsultantEven though the best financial consultant you could ever hire stares back at you every day when you look in a mirror, for those of you absolutely unwilling to learn how to do-it-yourself, here are ten tips to help you find that one financial consultant out of every 1000 that actually is fairly impressive.
3 Simple, Effective Tips For DIY Debt SettlementHere we share 3 simple tips to eliminate your debt problems... so you can move on with life without the constant financial stress of dealing with creditors and collection agencies. To get out of debt, though, you do need to put in a little effort, and that's where understanding the process comes in.
Loan Finance: How to Shop Around Without Damaging Your CreditIf 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.
Top 10 Excuses For Not Having A WillEvery 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.