The risks of Buy Now Pay Later services

Buy Now Pay Later (BNPL) services are becoming increasingly more popular. If you haven’t used one of these services before it essentially allows you to receive the goods or services today, and pay for it in later instalments. Here we look at how people are using this service and some key factors to be aware of to ensure it doesn’t negatively impact your financial situation.

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Is now the time for first home buyers?

Spring is in the air, and we all know what that means – more property is coming onto the market. But for many young Australian’s the question remains, ‘am I ready to purchase my first home?’

Being financially smart and independent is one of the most important lessons we can teach our kids. Many young Australians are considering taking the leap into home ownership, but is it the right time? There are some things you can do to help your children figure things out.

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Is the tide turning on the Property market?

 

For the first time in years, the planets seem to be aligning for homebuyers and property investors. Interest rates are falling, property prices largely appear to be stabilising and constraints on bank mortgage lending have been relaxed. 

It’s welcome news for first homebuyers and anyone who has been waiting on the sidelines for a signal that the downturn in house prices could be at or near the bottom in key markets such as Melbourne and Sydney.

As is always the case though with the national housing market, the full story is more than a tale of two cities.

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Workers Compensation vs Income Protection

Workers Compensation will cover you for some things, but have you also considered Income Protection to ensure you are covered when you need it most?

Whether you’re a white-collar worker hammering away at your keyboard from 9 to 5, or a tradie getting your hands dirty day-in and day-out, you run the risk of getting sick or injured at work.

That’s why every Australian workplace has health and safety obligations: they must provide safe work premises, assess risk and have workers compensation insurance.

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    Regional Sales Manager | Special Education Teacher

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