Finance Articles
  • Savvy Tips for Managing Debt
  • by Graham Brightwell
  • You should learn how to manage debts properly. Otherwise, spending more than what you earn and failing to pay on time can leave you financially broke. To start with, list down all your liabilities, name of creditor, full amount of debt, due dates, and monthly payments.
  • Credit Score and Home Insurance
  • by Nikitas Tsoukalis
  • People with poor credit may pay up to 91% more on home insurance than those with excellent credit; Another pitfall to having less than stellar FICO Score!
  • Comparing Income Protection Covers - Make The Right Decision
  • by Kerrie Peacock
  • There are a few factors that can make your income protection cover work very well for you. Selecting a waiting period that is convenient for you is important; this is the time during which you will not receive any benefit after you are out of employment. However, note that the shorter the waiting period, the more you will have to pay for your premiums. The benefit period, which is how long you will be paid the benefit, is also critical.
  • Colonial First State TPD Insurance - The Processes Involved
  • by Kerrie Peacock
  • This process of having your TPD insurance within super but offered by other insurance providers is known as partial rollover, and enables you to get your TPD insurance at a cheaper rate. This is because when your premiums are paid, a 15 per cent tax benefit is applied, meaning your premiums are paid at a lower cost. The premiums are normally paid once a year and you can renew your Colonial First State TPD insurance policy annually.
  • Commonwealth Bank TPD Insurance - Features And Benefits
  • by Kerrie Peacock
  • There are certain specific benefits that come with the Commonwealth Bank TPD insurance policy. The death benefit cover applies if you have a standalone TPD cover. A payment of 10,000 dollars will be made in the event of your death if you do not have any other TPD benefit that should be paid out on your death. An accommodation benefit will cover the cost of having a member of your family close to you if you are immobile and away from home.
  • TPD Insurance FBT - Cases In Which FBT Is Applied
  • by Kerrie Peacock
  • If as an employee you decide to take out a TPD insurance policy outside the superannuation fund, you can request your employer to pay the premiums for this policy from your pre-tax salary. In this case, your employer may be allowed to claim the premiums paid towards this policy and any FBT that the policy has been subjected to as a tax deduction. Usually, your employer will deduct the cost of this policy from your salary.
  • Effects Of GST On Income Protection Insurance
  • by Kerrie Peacock
  • To ensure your income protection insurance is tax deductible, there are some conditions that need to be fulfilled. First and foremost, your benefit has to be paid in arrears and not as a lump sum for tax deductibility to be considered. Once you receive your benefit, it has to be included in your tax returns and you can also claim tax deductibility for premiums you paid before 30th June in the current year's tax return.
  • The Importance of Business Valuation
  • by Joe Cleary
  • Many owners of small businesses know their companies inside and out. Yet, they rarely know one critical fact - how much their company is actually worth on the open market.Many owners of small businesses know their companies inside and out. Yet, they rarely know one critical fact - how much their company is actually worth on the open market.
  • Don't Rely On Social Security For Your Retirement Security
  • by Joe Cleary
  • Many people today think of Social Security as the foundation of their retirement security - considering it to be a major source of their retirement income. And for many retirees, it is. According to U.S. News & World Report, in 2009, Social Security accounted for 38% of the total income for those 65 and older - and represented their largest source of retirement income.
  • Magenetic Power Generator: A Cost Effective Alternative
  • by Samantha Knowles
  • Almost everything that surrounds us is powered by electricity. Little by little, the whole world is already experiencing the effects of the depletion of the electricity's natural sources. In most cases, the tools and power generator machineries have some sort of effect to our environment, thus the now's biggest problem, climate change from global warming.
  • Stay Away from These Credit Card Mistakes
  • by Graham Brightwell
  • The credit card can be a boon or a bane. You can avoid problems if you are a prudent shopper. However, it is also easy to get into debt with credit cards owing to carelessness or getting mixed up.
  • Life Insurance Advice - Get The Right Advice
  • by Kerrie Peacock
  • When it comes to life insurance advice, your agent may be able to provide you with basic tips on the best life insurance policy at the risk of being biased, especially when he is working for a specific company. If you want expert advice, it is best to acquire it from a licensed life insurance advisor. This sort of advice is designed to influence a person's decision in choosing a policy.
  • Life Insurance Advisors - Why You Need Them
  • by Kerrie Peacock
  • Life insurance policies are as diverse as the clientele they are designed for. Different policies will have different features and benefits, and there is no one-size-fits-all policy. Determining the type of cover that suits your needs is the single most important step in acquiring a life insurance policy, as it ensures that your cover suits your financial situation, budget and life insurance needs.
  • Life Insurance Agent - What You Need To Know About Your Agent
  • by Kerrie Peacock
  • A life insurance agent is usually trained by the company to transact business on its behalf and as such is expected to be highly knowledgeable on all the aspects of the company's life insurance policies. Apart from that, your agent should display a high level of professionalism. He should be available for consultation, answer all your questions diligently and clear your doubts, enabling you to make the right choice.
  • Working With A Business Broker: What You Need To Know
  • by Joseph M. Maas
  • You've worked too hard and too long to risk selling your business by yourself. You need a professional who knows how to sell businesses, where to advertise, and has industry contacts. The chances are you've not sold many businesses in your career, and now is not the time to learn. Here's what you need to know when engaging a business broker.
  • Selling Your Business: Part 1
  • by Joseph M. Maas
  • Selling your business is a big decision, requiring a lot of thought and planning. How mentally and financially ready are you? This article will help you determine that.
  • Looking for Guaranteed Income in Retirement? Look to Annuities
  • by Joe Cleary
  • Today, Americans are living longer. While that's great news on the one hand, the challenge facing today's retirees is how to avoid outliving their income. Those who qualify for Social Security can reasonably expect to receive a benefit for their entire life; the same goes for those who receive a pension benefit.
  • What You Wanted To Know About Life Insurance Advisors But Could Not Ask
  • by Kerrie Peacock
  • Life insurance advisors are instrumental in the achievement of lifetime financial security of policy holders. These are qualified financial product advisors who have been thoroughly trained under strict requirements of the Australian Securities and Investments Commission (ASIC) and hold an Australian Financial Services (AFS) license. They will develop a fruitful and long-term relationship with you, guiding you through each stage of your life.
  • Why You Should Consider Life Insurance As An Asset Class
  • by Kerrie Peacock
  • Compared to many other assets, life coverage is much more predictable even in unpredictable economic situations. Even if your real estate investments don't produce satisfactory returns, you can still be assured that your family will get the guaranteed benefits from your insurer. In fact, the stability of this asset class makes it even stronger than stocks, which may fluctuate constantly.
  • Income Protection Insurance Deduction - Maximize Your Benefits
  • by Kerrie Peacock
  • The monthly benefit refers to the amount of money you will be paid when you are unable to work. This amount is treated as a regular income and will therefore be subjected to tax. You are given the option to select how much you would want your monthly benefit to be when you start off your policy. However, this amount cannot exceed 75 per cent of your normal monthly income.
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