Secured vs. Unsecured Financing- When you need a large loan, you may be offered secured financing. There are many advantages to choosing a secured loan including better rates and lower credit standards. However, there are also risks associated with these loans. Here is what you should know about each option and how they can benefit […]
Choosing Between Secured and Unsecured Loans Read More »
The Credit card reform which was passed on 01 July this year seeks to address the $37-billion in credit card debt that Australian households are struggling to repay. Interest on the debt is said to average out at $4,852 per cardholder, as per the latest figures released by Roy Morgan Research. An impressive 15-million credit cards
Australian Credit Card Reform to Empower Cardholders Read More »
Every parent wants to give their child the best possible start in life and for many children that will mean a quality college education. So how can you provide your child with a college education without breaking the budget? With prior planning, even a family with a modest income can afford to provide their child
Saving For Your Childs College Education without Breaking Your Budget Read More »
Save on Health Insurance- Even if your family is covered under a health insurance plan, having a large family can still be expensive when it comes to appointments, checkups and medication. Most health plans won’t give you and your family 100% coverage, and some plans won’t cover certain treatments. Despite this, it is still possible
Large Family? Check Out Four Ways to Save on Health Insurance Read More »
Surfing and the ‘surf lifestyle’ definitely isn’t cheap! With inflation rising and the brands bringing out more and more super cool goodies to entice you, one can feel the squeeze on the wallet more often than not. Working in a shop that offers surf equipment and lifestyle clothing, I’ve learned a number of techniques that
How to Save Money on Surf Clothing and Equipment Read More »
Have you recently run out of money or gone bankrupt and are all of your credit cards maxed out? Are collection agencies calling you and ordering you to pay? If this is you, you are in between a rock and a hard place. You need a ‘debt-free’ plan for life. If you are in a
How to Overcome a Personal Debt Crisis: Save Yourself and Your Sanity in 5 Easy Steps Read More »
Your First Mortgage- Buying your first home is an exciting moment, whether you’re buying a studio apartment for yourself or a house for your family there are fewer joys in life like using your new key to unlock the front door for the first time. People are buying their way into the home owner’s world at
3 Tips for Saving Money on Your First Mortgage Read More »
Editor’s Note: The wedding budget is a topic near and dear to my heart right now. Later this year my daughter Katie will be getting married and so our house is a constant buzz of wedding talk. But everything comes at a price. Fortunately, I’ve raised her well and she understands the value of money
The Wedding Budget Read More »
Home Loan Refinancing- There are several reasons why you may consider refinancing your home loan. Interest Rates May have Fallen Your credit score may have improved You may want to change to a different kind of mortgage Benefits of Refinancing your mortgage. Securing Lower Interest Rates The #1 reason most people decide to refinance is to lock in
Your Guide to Home Loan Refinancing Read More »
Money Market Mutual Funds- Most investors today are seeking safe harbor for their cash. Something that is safer than the typical savings account, yet more flexible than a certificate of deposit (CD). Historically, placing funds in a regular savings account was good advice, as banks offered both safety and a healthy interest rate. However, these days’
Money Market Mutual Fund vs.the Bank Read More »
Retirement Planning- No one likes running out of money, least of all when they are retired from work and are no longer earning a salary. Although we do of course have Social Security which (we hope) will provide a basic income, this barely offers enough money to cover the basic, essential spending. Most people will
Retirement Planning- Start Early Read More »
Financial Planning Insurance planning, risk management, Estate Planning, and retirement planning are all essential aspects of personal finance that you shouldn’t take lightly. You need to calculate how much you’ll need to retire and be sure that the amount you come up with will allow you to maintain your standard of living. Next, you must
The Downside of Using a Financial Planner Read More »
