We are now coming up to the one year anniversary of the bear-market low in shares (Australian shares bottomed on 6 March 2009 and US shares bottomed on 9 March). This note looks at the outlook for shares in the context of the Australian December-half reporting season just ended. The key points are as follows:…
The Income Protection Insurance and IPP are the two different entities. Quite often, people compare the two terms, but according to me, the comparison is not at all appropriate. The Income Protection Insurance is related to the long term investment whereas the IP is the short term or umbrella term investment. IPP is also referred…
When searching for life insurance you need to get quotes for each plan to see how much it is going to cost you. Finding life insurance online will facilitate getting quotes as you can simply type in the few details required by the online form and you will then be given a quote. However, the…
There are as many income protection plans as there are life insurance plans. In fact, income protection usually forms part of the best life insurance plans. When you buy life insurance, you need to check to see if features such as income protection are included. Cheap life insurance may not include any income protection. But…
There are many life insurance plan options so how do you choose the best life insurance for your needs? Before you buy life insurance you need to do a little research to compare the various plans. This need not be difficult. Anyone with a computer can compare life insurance plans online to find out what…
Any insurance policy purchased for your own or your family’s needs, qualifies as personal insurance. Broadly, personal insurance can be categorised into the following types: Life Insurance Income Protection Critical Illness Total & Permanent Disability Life Insurance: Life insurance can help provide cover for the unthinkable, and can be a valuable source of income for…
No business can run without people. While some people may be replaceable, every business is dependent on a few key people for its operations. The loss of such key people due to any reason can be a big blow and can affect the revenues. It is in such cases, that business owners usually go for…
This note looks at the recent pullback in share markets. The key points are as follows: – Shares have fallen over the last weeks or son on the back of concerns about China’s tightening, the regulation of banks in the US, and sovereign risk. – This is consistent with out expectation for rougher and more…
High sovereign debt levels are causing concerns in global financial markets. This notes looks at the key issues. The key points are as follows: – A global blowout in public debt has been a key outcome from the global financial crisis. Aging populations are also playing a role. – Debt crises in peripheral countries such…
When was the last time someone asked you purchase a life insurance policy? When was the last time you received an irritating phone call promoting life insurance? The truth is, while we all have heard of and probably even considered buying life insurance, most of us still look at life insurance as a cover lest…