Shares are often said to climb a wall of worry so this note reviews the current ‘worry list’ facing investors. The key points are as follows: – It seems that there are still plenty of things for investors to worry about: a double dip in the global economy; high private and public-sector debt in key…
It is foolish to discuss the need for insurance in this day and age. If not for many kinds of insurance, but certainly life insurance, health insurance and maybe a general insurance should be an essential element of one’s financial planning. The economic situation of the world being so volatile, one has to keep in…
Life insurance is a scheme which primarily aims at giving financial security to one’s loved ones. It basically is a contract between the policy holder and the insurer where the policy holder agrees to pay a particular sum of money after the death of the insurer to the beneficiary. The beneficiary is named by the…
There are many life insurance providers in Australia, so you need to research each one for the best product to suit your needs. Life insurance comparisons can easily be done online – you don’t even have to go to each company’s website if you choose the option of a website that allows you to compare…
Many people see the need to protect their assets with insurance, but very often they fail to see that their ability to produce income is their greatest asset. Without the ability to go to work every day and bring home that income, your life would be a great deal harder and much less pleasant. So…
It is mainly those people in highly paid professions who need income protection insurance. This is because those who are making a significant amount of money usually have a lifestyle to match. If they are suddenly without their income due to illness or injury, then their lifestyle would suffer. They would be unable to pay…
Key man insurance is a type of life insurance for business that protects the business should one of their key men suddenly die. It is of particular value to small businesses where the key man is the main worker. If he or she should suddenly be unavailable, the business would suffer great loss and in…
This note looks at concerns that China is a bubble that’s about to burst. The key points are as follows: – Concerns that China is a bubble about to burst are unjustified. There is no evidence of generalised over-investment, China’s reliance on exports is overstated and likely to diminish with consumption taking a greater role,…
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…