Finance Articles
  • What You Need To Know About A Life Insurance Beneficiary
  • by Kerrie Peacock
  • Under the Insurance Contracts Act 1984, Section 48A, beneficiaries to a life insurance policy must be third parties to the insurance contract. Since child cover is an added feature within the life policy your child will be considered a life insured. Hence, such a child would not be a third party to the insurance product. Therefore, your child would not be eligible to be nominated as a beneficiary to the life insurance policy.
  • GST Income Protection Insurance Premiums
  • by Kerrie Peacock
  • A broad definition of financial services by the ATO includes: lending or borrowing money granting credit to customers buying or selling shares and other securities creating, transferring, assigning or receiving interest in or rights under superannuation funds and providing or receiving credit under hire purchase agreements before 1 July 2012 (such credit must be provided for separate charges that are disclosed to purchasers).
  • Important Aspects Concerning Income Protection Insurance Age Limits
  • by Kerrie Peacock
  • During the 2011 - 2012 financial period 1,193 complaints related to life insurance were received by the Financial Ombudsman Service (FOS) in Australia. Out of all these complaints, approximately half of them related to income stream products particularly income protection. To avoid so many complaints, policy holders should be keen to understand all the relevant details concerning their insurance policies.
  • Income Protection Insurance Calculators: How Your Occupation Affects Your Premiums
  • by Kerrie Peacock
  • All the other workers in white collar occupations fall under this category. The workers in this category are normally office bound, with minimal risk of illness or injury posed by the working environment. This means that they are only involved in clerical or administrative work that is not within a manufacturing, warehouse or industrial environment.
  • Comparing Death TPD Insurance Cover With Other Alternatives
  • by Kerrie Peacock
  • Obviously, sick leave would only provide a continued stream of income based on your regular salary. This may not be sufficient to cater for medical expenses. Moreover, the 10-day period may not be sufficient for you to recover and get back to work. In fact, statistics from Safe Work Australia indicate that during the period 2009 - 2010, typical serious claims for workers' compensation involved 4 weeks of absence from work.
  • Income Protection, Life And TPD Insurance Quotes Comparison For Young Australians
  • by Kerrie Peacock
  • Young adults in professional fields would have to choose between 'any occupation' or 'own occupation' category in TPD cover. Own occupation category would be best suited for highly qualified professionals. In this category benefit payments would be made if the life insured is unable to participate in a specific own occupation. With any occupation, a more general definition of occupation is applied.
  • The Challenge Of Assessing Claims For A Total And Permanent Disability Insurance Policy
  • by Kerrie Peacock
  • Based on this definition a difficulty arises when making medical assessment for claim payments. This is because medical professionals are only qualified to make medical assessments based on the patient's impairment in relation to diagnostic criteria. However, the medical assessment for TPD claims requires that a doctor makes subjective assessments of the policy holder's capacity to perform various occupational duties.
  • What Policy Holders Need To Know About The Life Insurance Act 1995
  • by Kerrie Peacock
  • It is critically important for a policy holder to understand all aspects regarding insurance, as well as legal aspects that may affect coverage. One of particular legislation that all policy holders should be aware of is the Life Insurance Act 1995. This presents a critical piece of legislation that is instrumental in upholding the interests of policy holders and beneficiaries.
  • How To Create A Watch List
  • by Thomas Kasper
  • Create a diversified watch list of securities that allow you simplify your trading decisions and be prepared for trigger points of entry.
  • Develop an Options Trading System That Works
  • by Thomas Kasper
  • Learn how to profit by options by developing an options trading system that works. This will allow you to profit from options no matter what the market conditions are.
  • Tips on Small Business Loans
  • by Anthony Persse
  • Procuring funding to begin implementing the operations of a small- to medium-sized business is often fraught with challenges and questions.
  • Are You Ready To Sell Your Business - Part 2?
  • by Joe Maas
  • When preparing your business for sale, whether now or years into the future, it is important to increase your firm's value while also considering the impact of the economy and preparing yourself mentally and emotionally for the sale. In this two-part series, we'll hit the highlights and tell you what you need to know to prepare your company for a successful sale.
  • Why Business Owners Should Care About Exit Planning
  • by Joe Maas
  • Is your business worth enough to allow you to retire comfortably? Author Joe Maas offers Exit Insight from his 20+ years of experience, telling you what you need to know to prepare your business for sale.
  • Self Directed IRA Delivers Options To Invest In Real Estate With Your IRA
  • by Mark Adams
  • A Self-Directed Facilitator can help anyone who has traditional IRAs or 401ks set up a self-directed IRA. The Facilitator will provide the documents and guidance necessary to establish the trust account with a self-directed custodian. IRAcheckbook is a nationwide Self Directed IRA faciliator.
  • The Road to Riches Bypasses Banks
  • by Marko Rubel
  • With real estate investing, there are no limits. If you know how to invest in a property that will appreciate in value, then you can earn as much as you want.
  • Myths About Real Estate
  • by Marko Rubel
  • There are countless things that everyone just "knows" about real estate. Considering that a house is usually the biggest big-ticket item the average person will ever buy or sell, it would be wise to spend some time separating the mythical from the factual.
  • Buying vs. Renting
  • by Marko Rubel
  • One of the biggest questions in the real estate world is whether to buy or rent property. The amenities of each choice are many, and drawbacks certainly exist in both cases also.
  • How To Transition To Real Estate
  • by Marko Rubel
  • Whether you have always had a passion for sales or if you simply want to get into the real estate market for your own future, transitioning to real estate can be done in less than a year with enough studying, dedication and preparation.
  • Challenges for First Time Investors
  • by Marko Rubel
  • You've thought about it for years, admiring others' success. You want your piece of the pie. You're ready to invest in real estate.The rewards can be substantial, but they come with challenges.
  • Are You Ready To Sell Your Business? Part 1 of 2
  • by Joe Maas
  • When a business owner is ready to retire, close a business or to sell your company, it is important that he or she knows what the company is worth. In this article, we'll explore business valuations, the economy and the business owner's mindset and how they impact a potential sale.
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