Rate Detective Guides

Treasurer Wayne Swan is scheduled to deliver the 2009 Federal Budget tonight, Tuesday 12th May, at 7.30PM. This will be one of the most significant budgets in recent history.

The world has been going through major financial turmoil, which for the most part Australia has managed to weather well. This budget may be the one that tightens things up.

Routers and broadband modems are necessary to get your computer and broadband working together. A broadband modem is the box that receives the broadband signal in your home and a router distributes the signal to the computer in your home.

It is important to have the right broadband modem and/ or router.

You can choose from many types of mobile phone services, depending on your needs.

In some cases, for example pre-paid services, you do not need to sign a service contract. For others you need to sign a contract that may run for up to two years or longer.

By now, you've probably heard that the Australian Government is introducing a stimulus package to try to buoy the Australian economy.

What is credit card interest?

Interest is a charge for providing credit. All credit card accounts have an annual percentage rate (credit card interest rate). The applicable terms and conditions describe how interest is applied on a credit card account.

When it comes to "mortgage insurance" there are usually 2 interpretations:

Electricity and Gas switching

Switching Electricity and Gas has never been easier. In the past if you wanted to compare electricity companies or gas prices it was time-consuming and confusing.

Does Rate Detective charge you for their Services?
To allow Rate Detective to provide our service to you free of charge, we have multiple commercial agreements in place from all the energy retailers in Australia, that supply a miniscule administration fee to us for every time a consumer decides to switch to a new energy supplier or sign up for a contract.

The energy market comprises of three levels.

1. Generators

This is the collective name given to the companies that are responsible for the production of the basic product of electricity.

1. It is not about how much you earn, but more about how much of it you keep, even a substantial income is not going to have you achieve your goals if you spend it all.
2. Know yourself financially; understand your own personal finance habits.  
3. Create a budget for you and your family, make sure you whole family sticks to it.

Definition of Trauma Cover Insurance

Trauma Cover Insurance pays a lump sum in the event of a diagnosis of incurable condition, e.g. cancer, stroke, heart attack, major head injuries.

There are 4 main types of Life Insurance:

Why is it that things just seem to work out for some people?

Tax is inevitable – if you are earning money. So even though we all have to pay it – there is no reason why you should pay more than your fair share. My top 10 tax tips are:

The 6 most frequent mistakes that we see small business operators make are:

1. Trying to do everything.

   You cannot – nor should you even try – to do the bookwork, develop new products, create marketing plans, manage every staff member, deliver products, etc etc.

In my experience too many small business owners, and individuals alike, make financial decisions based on the tax implications of the transaction. STOP IT.

Paying tax is GOOD – it means that you are making money.

Accountants are accountants – right?

Wrong!

Accounting is one of the most diverse areas of business. Some of my friends are accountants with over 25 years experience – yet never prepare their own tax return!

I get asked all the time:

“What is the best legal structure to operate my business in/buy my investments in/ own my home in?”

The reality is that there is no “best”. Each has their own pros and cons and you need to sit down with someone who knows your affairs properly and decide on the best structure with them.

Have you ever thought what would happen to you if you became permanently and totally disabled? Would you be able to meet your financial and family commitments and maintain the quality of life you and your loved ones currently enjoy?