Richard

Life insurance is not just life insurance. Life insurance is actually a whole collection of different types of insurance gathered under the one title. So, while you may think you don’t need standard life insurance, or that you already have it, there are other types of cover you may want …

When it comes to trying to get approved for a new loan or credit card, if you have poor or bad credit, the chances of becoming approved are low. Lenders will view you as a high risk so will either deny your loan request or offer you unfavourable terms. Options …

There are literally thousands of reasons why a person would want to earn an income at home; comfort, children, flexibility, health issues, etc. Whatever the reason or motivation behind it, with the advancements in technology and telecommunications, the opportunities to work at home are in abundance. The different jobs that …

In short, budgeting is the process of saving, borrowing and spending. It is organising your finances to provide yourself with a clear understanding of how you manage your money for the short and/or long-term. Budgeting can be complex or quite simple depending on what you are trying to accomplish.

If you are receiving Centrelink or Newstart benefits, getting a personal loan can have its challenges. Most mainstream lenders or banks have very strict lending criteria which can make things difficult for borrowers whom don’t have a full-time job and good credit.

If you are in serious debt and have explored all your potential relief options, with no qualifying success, declaring bankruptcy might be your best option. Understand that bankruptcy does have serious consequences, but sometimes these drawbacks outweigh current stress and debt issues. At a certain point in time, paddling up …

One of the quickest ways to save money on interest and get out of debt faster, is through a debt consolidation. Using a debt consolidation calculator, you can quickly establish how much you will save in interest repayments and what your new monthly repayment figure will be. Often times your …

Over the last couple of years, interest in dump truck driving at mines has sky rocketed. With stories of huge pay packets, no experience needed and easy work; one can quickly see why interest has exploded. Whilst there are some individuals making great money, the work isn’t that easy and …

There are the Big 4 and then a range of medium to small lending institutions and building societies. Picking the right bank or lending institution is a very important step in establishing a long term financial partner. The right bank should provide its customers with great products, customer service and …

Every organisation has its own processes when it comes to remuneration, ranging from simple to complex. Regardless of how complex or difficult a process may be, there are always things you can do to increase your pay packet. Discussing remuneration should never be a hard process or something that you’re …