Juggling Credit Card Debt? Try Debt Consolidation

This is a common concern with most clients today. If you are juggling credit card debt and personal loans, you need to contact the office immediately! We can investigate the option of consolidating your current debts, and in most cases we will be able to help you reduce your payments. With some credit cards still attracting rates of up to 19.99% or even higher, it is time to pick up the phone and start saving!

What are my best options to make sure my family is financially secure?

Given the recent global financial crisis, this is an important question for many.

Property is seen as a proven medium to long term investment and most economists and property forecasters are suggesting that now is a terrific time to consider venturing into the property market. Interest rates remain favourable and property prices are reasonably stable (although in some areas property prices are predicted to rise) suggesting now is the perfect time to invest.

It is also a good time to review your superannuation status. Check out one of the online superannuation calculators to work out your potential retirement income (www.fido.asic.gov.au is one you could try). The calculators are designed to help you estimate the amount of superannuation you will receive at retirement based on your current age and contributions, any government co-contributions you may be eligible for and even the effect of swapping funds. The calculators can be quite comprehensive, however they should be used for a guide only as there is no substitute for solid personalised financial advice.

What about your insurances? Have you reviewed your policies recently? Do you know exactly what you are insured for? There are a range of insurance products on the market designed especially to give you peace of mind and provide your family with financial security and stability in the event that you aren't able to provide for them. Some of the insurances worth looking into are mortgage protection, income protection, life insurance and TPD (total and permanent disability cover).

Do you have any financial concerns that keep you awake at night?