Financial Services Online Articles, Information & Resources

Even 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.

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.

Bad credit can make it difficult to do business with certain types of companies. Poor credit impacts your ability to move forward with your life. However, there is hope -- you can repair your credit with a few steps and re-open those doors to access lower borrowing rates and other benefits once more. Use the following advice to help you improve your credit rating.

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.

Did 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.

There’s a lot been said about payday loans. Many claim that the interest rates charged are outrageous. Others say that they are the only source of finance available for those with less than perfect credit score. There is a bit of truth in both claims but there is much more to payday loans than meets the eyes.

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.

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!

Most Australians realise that a Government pension won't give them the lifestyle they want in the years when they are not earning an income. The need to save money for the future has become a big wake up call to millions of workers who could take a massive hit to their lifestyle post-retirement due to low superannuation savings.

Business liability insurance provides protection for your business against the cost of litigation and claims resulting from third party damages or bodily injuries caused due to negligence of your business. In this article we examine the three main types of business liability insurances and how they may apply to your business.

A good credit score speaks volumes about your financial habits. It's the evidence most creditors need to evaluate your credit worthiness.

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.

In today's litigious and uncertain world, insurance has become a very important component of every financial plan. But, when it comes to buying insurance, consumers often get confused obout where they should start and how to decide on the best policy solution to their specific needs and circumstances.

Just 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.

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.

Have you noticed that everyone wants to be rich, but few people seem to want to build wealth the old fashioned way - step by step? If you have tried the 'lottery method' and it hasn't worked out, read on for some tips on how you can build wealth for a better future.

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.

When we examine our priority lists, our finances tend to be near the bottom. Yet, when we look at our "worry" list, finances are usually near the top. There are three main reasons why we don't make finances a priority

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.

Owning a car comes with considerable ongoing expenses ... and Comprehensive car insurance is one of the most significant ongoing costs. If your car is under finance, insurance is generally a requirement of the loan contract so you probably don't have the choice to opt out. However you do have options when it comes down to where you buy your insurance and there are some BIG savings to be had. Here are some tips on what you can do that could dramatically reduce your premiums.

Do decisions about where to spend or invest your money make you paralyzed? Take fear and stress out of the decision-making process by increasing your knowledge in three key areas.

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.

If you've found yourself in a position where you're in serious debt and can't think of a way out, here are some valuable tips that, when put into practice, will help you find your way out of trouble.

This book is a guidebook to success in business and professional practice.

How you define "success" of course is entirely up to you - we all have different goals and aspirations and come from divergent backgrounds and circumstances.

The fact that "success" is a fluid concept does not mean that it cannot or should not be pursued vigorously and enthusiastically.

But at what personal price?

Unsecured personal loans can really help in a pinch. If your savings are low and your car breaks down, for example, such a loan can patch up your life. Or maybe you're buying a big-ticket item and you need backup money to cover a short-term hole in your bank account.