There is no end of financial advice on preparing for retirement: superannuation, investments, tax minimisation, age pension eligibility, funding your desired lifestyle – the list goes on. All these areas of advice highlight the importance of planning ahead – the sooner you start the better prepared you will be. One of the biggest decisions for […]
Your credit file is one of your most important financial assets. Safeguarding this file is an important part of the finance application process. Your credit file contains credit applications, overdue credit accounts, payment defaults, clearouts (as a missing debtor), commercial credit information and public record information. You will have a credit score calculated from your […]
Do your research and watch your spend! ‘Complimentary’ travel insurance is an increasingly used feature on many premium credit cards. According to ASIC’s Money Smart, 20% of travel insurance is used through a credit card compared to 19% through a travel agent and 31% direct from an insurer. Traveller beware Credit cards with complimentary travel […]
If you or a family member is heading for retirement, this information will help. Will you have enough super to retire and live the lifestyle you aspire to? With the average life expectancy of Australians being 82.5 years, how long will their savings last? Recent ‘Super Shortage’ research indicated that a retirement age of 65 […]
You thought babies were expensive? Predictions show the cost of private education could be as high as a family home… For most people, when starting to plan for a family, we usually consider the cost of babies and child care. Cast your mind forward to when that baby is at primary and secondary school. Do […]
Be financially prepared for success The changing nature of technology, consumer behaviour and corporate policies has influenced an increase in parttime and work-for-yourself opportunities. While the bright lights of flexibility, choice and creating your own success is very appealing, it is not without its risks – personally, professionally and financially. According to a report by […]
7 steps to keep you and your business safe from cyber threats Both consumers and businesses, now more than ever, need to be aware and vigilant in managing their online security. Despite consumer awareness of cyber security, many don’t take the necessary steps to protect their personal information. In fact, a McAfee survey of 6,400 […]
Is the key to saving a home deposit as simple as giving up smashed avo toast for breakfast? Well not quite, but spending less does make a difference. On top of a budget, a savings plan and strategies such as a high-interest savings account, an effective way to save is to reduce or eliminate expenses. […]
Securing a business loan in Australia isn’t necessarily difficult but knowing how to navigate your way can be the difference between success and failure. Banks and other financial institutions offer a wide range of business finance options, from commercial property loans, commercial vehicle leases, and commercial and equipment leases, to simpler options such as letters […]
If you’re looking for a home loan but are inexperienced with finance brokers, attending your first appointment with a broker can be a nervous experience. Getting a home loan, after all, can be quite complex for a first-timer. There are lots of brokers around and there is a lot to learn. But there are many […]