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Nothing in life is certain, but this shouldn't prevent anyone from enjoying it. The key here is to minimise your risk and ensure that your family is well provided for should you die. This is where life insurance comes in. It gives your loved ones the protection that they need in case of an emergency.
Funeral Insurance (or Funeral Cover) is an insurance policy which is used to cover all the costs associated with ensuring that you have the funeral and associated items paid for, without burdening your family members.
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.
When you applying for life insurance usually you required to take a simple medical exam. If you don't wish to go through the inconvenience of medical tests or you want to get life insurance fast you can opt for a life insurance with no medical exam.
If you are diagnosed with type 1 or type 2 diabetes, the most important thing is to manage your health appropriately. Whilst Rate Detective can assist in finding you the most competitive insurance, we recommend also contacting an organisation like Diabetes Australia who can provide advice on managing your health.
Mortgage Protection Insurance is a simplified life insurance product which is designed to pay off a fixed amount of money owing on a mortgage in the unfortunate event of a serious illness or death of the borrower.
A variety of industries and occupations incur inherent risks. For this reason, insurance companies offer a range of specialized income protection insurance polices tailored to provide specific options and benefits.
Since new legislation came into operation on July 1st 2014 trauma cover can no longer be held inside a super fund.
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.
Many thousands of people are diagnosed with serious illnesses each year and many more suffer serious traumatic injuries which completely change their lives this also includes financially. Trauma cover is applicable if you encounter one of approximately 35 conditions.
We all work to provide for our basic needs and that of the people who depend on us. But what if one day you're robbed of your ability to work due to an illness or injury?
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?
There are certain things to look out for when selecting and applying for a loan for your investment property. Here we look at the main differences, the most popular loan types, and how to get the best mortgage for your situation.
In order to help us choose between lenders & loans by law a home loan comparison rate must be offered or displayed to you. Without a comparison rate one bank could advertise a loan @ super low interest rates but have heaps of hidden fees and we might make our decisions based on false information.
If you are going to apply for a mortgage, it is imperative that you do all you can to make yourself attractive to lenders. Here are some tips that could help you.
With historically low interest rates, the environment in Australia for property investment has been prosperous for many investors over the past 5 years. There is also increasing competition among lenders, many of which are trying to gain marketing share by offering competitive rates. At Rate Detective, we have access to more than 30 lenders and can find you the most competitive lender from our panel of lenders.
Purchasing a property is the largest investment that most people will make in their life. Many people don’t protect this investment adequately with the right types of insurance. In this article, we’ll share with you a number of your insurance options if you own an investment property.
You don't need to be rich to own a slice of a commercial property, but like all investments you need to do the ground work before making a decision. Unlike residential properties there are more issues to consider namely - do you acquire shares in a property trust, or do you join a property syndicate?
Hard to believe it's already that time of year again - tax time! With the new financial year just around the corner, there is understandably much attention on getting the most out of your tax.
Okay, so do you know what the title of this article means? If you want to prepare in the most effective way you’re your retirement and if you don’t know what it refers to now, you really should.
If you have multiple super funds the advantages of consolidating them into one are many. Firstly, and this is a biggie, you will save on incurring multiple sets of fees that can eat into your retirement savings.
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.
Electricity costs are rising for households much faster than the rate of inflation. It is predicted that electricity costs could triple over the next ten years.
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.
Rate Detective receives pricing data from http://www.shoparound.com.au ("Shop Around") who have several commercial agreements in place with energy retailers in Australia who pay a small once off commission to ShopAround for each customer that switches to their service. Rate Detective receives a proportion of this commission. The service is free to consumers.
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 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. Know yourself financially; understand your own personal finance habits. Create a budget for you and your family, make sure you whole family sticks to it.
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.
The 6 most frequent mistakes that we see small business operators make. Find what they are here.