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| 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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| What to Do if an Income Protection Claim Is Delayed or Declined An income protection claim can be delayed, disputed or declined for several reasons, including missing documents, policy definitions, medical evidence or income proof. This guide explains practical steps Australian policyholders can take, including reviewing the decision, keeping records, using the insurer's complaint process and escalating eligible disputes to AFCA. - read more
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| Balloon and residual payments on truck loans explained A balloon or residual payment can reduce regular truck loan repayments by leaving a larger amount payable at the end of the term. This guide explains how these payments affect cash flow, total cost, calculator results and end-of-term planning for Australian truck finance borrowers. - read more
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| Costs to Consider When Buying a Home in Australia Buying a home involves more than saving a deposit and comparing repayments. This guide explains the upfront, loan-related and ongoing costs Australian home buyers should consider when planning a property purchase. - read more
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| Business Loan Borrowing Capacity and Repayment Capacity in Australia Business loan borrowing capacity and repayment capacity in Australia are commonly assessed through cash flow, revenue, profitability, existing debts, loan purpose, security, credit history and supporting documents. Understanding these factors can help business owners prepare before applying for finance. - read more
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