| 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. - read more
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| Credit Card Secret Guarantee Most people use credit cards in some form or another but few truly appreciate one of the special features of credit cards that make using their credit card to insure their purchases. - read more
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| 5 Credit Killers A good credit score speaks volumes about your financial habits. It's the evidence most creditors need to evaluate your credit worthiness. - read more
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| 7 things you need to know about a Hire Purchase loan There are seven things you should know before you ever think of getting a Hire Purchase loan. Knowing these things will give you control and power in the loan process. Power and control will will save you money - read more
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| Financial Pressure Sharpens the Case for Practical Office Cover Tue, 21 Jul: Fresh small business research has put numbers around what many Australian operators have been feeling for some time: the pressure of keeping a business running is not just commercial, but personal. The latest BizCover small business survey, reported by SmartCompany, found financial stress remains widespread among respondents, alongside long hours, limited breaks and ongoing concerns about whether the business remains sustainable. - read more
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| Why the New Financial Year Is a Smart Time to Review Your Home Loan Tue, 21 Jul: The start of a new financial year is a useful prompt for Australian mortgage holders to look past the set-and-forget approach. With the cash rate sitting at elevated levels and household budgets still under pressure, the question is not simply whether your home loan is expensive. It is whether the structure still suits the way you live, save and repay debt. - read more
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| Why easier access to advice matters when choosing life insurance Tue, 21 Jul: A recent Good Returns TV discussion with Financial Markets Authority Director of Deposit Taking, Insurance and Advice Michael Hewes has renewed attention on a practical issue for New Zealand households: too many people still find financial advice hard to access, hard to understand, or too time-consuming to begin. - read more
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| What NZ’s snow injury surge says about protecting your pay Tue, 21 Jul: New Zealand’s winter injury data is a timely reminder that a day off can become a financial event very quickly. Insurance Business has reported that snow sports injury claims reached a five-year high, with ACC accepting 8,309 skiing claims at a cost of $32 million and 5,425 snowboarding claims at a cost of $14 million for 2025. For households that rely on regular wages, the issue is not only the medical bill. It is the income interruption that can follow. - read more
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