Finance Articles
  • TPD Insurance Deductibility - Understanding Tax Treatment
  • by Kerrie Peacock
  • Over the years, Australian families have continued to suffer financial and emotional pain caused by illnesses and injuries. Indeed, it is not pleasant to think about such eventualities, but that does not prevent them from happening. The best approach should be a proactive one - to ensure that you and your family do not suffer in the event that you as the bread winner are diagnosed with a total and permanent disability.
  • Is Your Personal Information Protected Under The Income Protection Insurance ANZ?
  • by Kerrie Peacock
  • Apart from all these situations, you should also realize that there exist specific circumstances in which the law permits the insurer to disclose certain details of your personal information. An example is the Family Law Act 1975, which permits requests from certain persons about a policy holder's interest in superannuation funds.
  • Income Protection Insurance Claims Process - Steps To Be Followed
  • by Kerrie Peacock
  • Even after your income protection payments have been approved, the income protection insurance claims process will continue. This is because a monthly assessment has to be conducted to ascertain that you are still eligible to receive the monthly payments. A monthly report will need to be filled jointly by you and your doctor, which is then forwarded to your insurer to confirm that you are still eligible for the payments.
  • How To Find Your Ideal Apartment
  • by Iwan Sunito
  • It is a good idea to keenly read through the Tenancy Agreement contract; you can request the real estate agent to explain to you any part of the contract that may not be clear. In case you are not comfortable with the lease contract, it is advisable to seek legal advice since the contract is binding and you need to be aware of what you are signing against.
  • Income Protection Insurance Underground Mining - Important Considerations
  • by Kerrie Peacock
  • Miners play a crucial and integral part in the Australian economy. Most of them receive substantial remuneration; however, they still work in a hazardous environment with numerous potential risks. These risks create a need for a safety net in the event that you're injured or unable to work. Statistics show that 23 percent of all serious claims lodged by miners involve absence from work for more than 3 months.
  • TPD Insurance Calculator - Conveniently Estimate Your Insurance
  • by Kerrie Peacock
  • A TPD insurance calculator enables you to get a good estimate of the amount of total and permanent disability insurance you should take out. Generally, it is advisable to take out a TPD insurance totaling ten to thirteen times your current annual income. The amount you settle on should be based on your needs. There are several steps you can use to help you settle on the amount of insurance cover that would be appropriate for you.
  • TPD Insurance Explained - What You Need To Know
  • by Kerrie Peacock
  • In 2005 alone, 57 percent of workers received financial aid as a result of injuries and disabilities. Every year, 50,000 Australians are diagnosed with heart attacks. As evidenced by these statistics, TPD insurance is important for every individual. The financial hardships that come with permanent disability are overwhelming and most people end up draining their savings, which should be a safety net for their future.
  • Income Protection Insurance for People with Diabetes - Possibilities and Challenges
  • by Kerrie Peacock
  • Income protection insurance is meant to cover you once you are unable to continue working due to an illness or injury. This means that at the time you will be out of work, you will continue to get a regular income that will take care of your cost of living. Income protection insurance policies differ among different providers in that they define disability differently, and the benefits you will be able to claim also differ.
  • Understanding the Underwriting Process
  • by Nikitas Tsoukalis
  • Your credit report is filled with ECOA codes, that are used by mortgage underwriters to determine whether the applicant will be approved or not.
  • TPD Insurance Super Fund - Get The Most From Your Insurance
  • by Kerrie Peacock
  • The total permanent disability insurance is an insurance cover designed to ensure that in case you suffer an illness or a disability that will cause you to be unable to work, you will have a soft landing. There are two ways in which you can take out a TPD insurance policy - either as an individual or through your superannuation fund.
  • TPD Insurance Payout Taxable - Get The Right Information
  • by Kerrie Peacock
  • If you would like to take out a TPD insurance cover, there are basically two ways in which you can do it. You can either take out the insurance in your name, or you can decide to hold it in your superannuation fund. The superfund is a method that is used to save for retirement, and the funds come from various sources, including contributions from your employer and your own contributions. You may also get some contributions from the government.
  • TPD Insurance Payout - Prerequisites To A Successful Claim
  • by Kerrie Peacock
  • Total and Permanent Disability insurance is a living insurance plan that pays a lump sum in the event that the policy holder suffers an injury or accident that is deemed total and permanent. TPD insurance payout can be used to cover hospital and medical bills, modifications to your car or home, rehabilitation costs, cost of a nurse or housekeeper and to provide ongoing financial support for your family.
  • TPD Insurance Own Occupation - Understand Your Options
  • by Kerrie Peacock
  • Generally, funding through superannuation is more cost effective, but there are certain pitfalls that applicants must be aware of. For starters, before you can qualify to be paid, your disablement must meet the definition laid out under the Superannuation Industry Supervision Act of "any occupation" and "own occupation". It is also worth noting that TPD claims paid as a lump sum under superannuation are liable to tax.
  • Total Permanent Disability Insurance Payout - The Processes Involved
  • by Kerrie Peacock
  • Total permanent disability insurance is available to ensure that in case you get an injury or illness that causes you to be unable to work, then you can claim benefits for the same. Total permanent disability insurance payouts are based on the definition under which the policy has been taken. There are several definitions of TPD insurance; it is therefore important for you to understand what your TPD insurance actually covers.
  • Online Share Trading Techniques
  • by Candice Hubbard
  • However, if you want to merely dabble in your spare time them you need to consider when and where you are going to trade. You will want to commit a certain amount of time per day/week/month to Share Trading
  • Pre-Qualified Vs. Pre-Approved
  • by Nikitas Tsoukalis
  • Pre-Qualified and Pre-Approved offers that come in the mail do not guarantee that you'll be approved for your new credit card once you apply.
  • Credit Around the World
  • by Nikitas Tsoukalis
  • You might be surprised to hear that the credit reporting system is not the same around the world. Many countries only allow negative items on credit reports.
  • Debt Collectors Can't Pay Their Own Debt
  • by Nikitas Tsoukalis
  • Debt collectors are using deceptive collection practices in order to intimidate consumers into paying unnecessary fees and getting additional loans.
  • How Keeping a Firm Handle On Your Expenses Can Be Prudent For Growth
  • by Anthony Persse
  • Starting up a business can be hard work and time consuming, but once it is up and running it can be extremely rewarding, however the hard work doesn't stop there. Juggling paperwork, deadlines and your business finances can prove difficult, but it is important to get control over these things before they control you, so that you can concentrate on optimising your business growth.
  • Estate Planning 101: Wills
  • by Joseph M. Maas
  • Estate planning and wills are important part of a successful exit strategy. Author Joseph M. Maas explains how in this excerpt from "Exit Insight: Getting to Sold!"
  • Estate Planning 101: Probate
  • by Joseph M. Maas
  • Estate planning including probate is an important part of a successful exit strategy. Author Joseph M. Maas explains estate planning in this expert from his new book "Exit Insight: Getting to Sold!"
  • Estate Planning 101: Trusts
  • by Joseph M. Maas
  • Estate planning, including creating a trust, is a complicated process and an important part of the exit planning process for business owners. This excerpt from author Joseph M. Maas' book "Exit Insight: Getting to Sold!" explains trusts as part of a successful exit strategy.
  • Repairing Credit After Foreclosure: Part One
  • by Stephen Leifer
  • Your credit suffers trauma as well whenever you lose a home to foreclosure. It's more difficult to rebuild credit after foreclosure because the process can leave it in complete disarray. However, with diligence and patience, rebuilding credit is possible by taking financially sound steps. Here are a few of those steps you can take to repair your credit after foreclosure.
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