Good Advice

Now & Then

There are those people who save nothing, live paycheck-to-paycheck and never plan ahead for their future financial well-being. And then there are those people who are frugal to a fault and never spend any money or enjoy themselves.

For the rest of us, we are constantly trying to strike a balance between enjoying life now and ensuring we have the resources to enjoy life later.

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The First Rule of Personal Finance

by Ben Carlson Interest rates on almost everything have fallen since the onset of the financial crisis — long-term bonds, short-term bonds, fed funds, mortgages, car loans — pretty much anything with an interest rate attached to it. Well, everything except credit cards. The average credit card APR rose to it’s highest average ever in 2017 at around 16%. In some ways this makes sense. It’s an unsecured line of credit given out to borrowers with very little due diligence performed on their creditworthiness. But it’s also kind of crazy that as interest rates in nearly everything else have fallen, credit...

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Online Insurance: Buyer Beware

Over the phone and online insurance deals make it easy to buy insurance……but there are some pitfalls. You know those daily deal websites? Now even insurance is being offered cheaply on them. So it may make you wonder whether you may as well grab one of these deals, rather than organising to meet with an adviser. In this article we take a look at why you should at least consider engaging an adviser to help you with your insurance. An investment in the financial well-being of you and you family, insurance is a long-term expense which over the years...

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