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Consolidate debt – refinancing
People sometimes refinance a home loan to consolidate debt because mortgage interest rates are usually much lower than the interest rates on other types of borrowing, such as credit cards or personal loans. When you refinance, you may be able…
Cashback offer
A cashback offer is when a lender pays you a one-off cash payment if you take out a new home loan or refinance your existing mortgage with them. Instead of competing only on interest rates, some lenders offer cashback as…
Renovations That Add the Most Value in Australia
In a housing market where presentation has never mattered more, it is tempting to assume that fresh paint, styled cushions, and a new benchtop will carry the day. They help, but only to a point. Cosmetic facelifts help you sell;…
Why retirees should check out income funds
For investors weary of the market’s daily drama, income funds offer something rare: a promise of rhythm. They do not chase the next tech boom or speculate on global growth. Instead, they hum along, designed to turn capital into regular…
I value premium perks & convenience over cost
Used properly, premium credit cards function like quiet infrastructure. They reduce friction at airports, simplify travel planning, step in when things go wrong, and remove the need to organise insurance. The value is not found in time saved and stress…
I’m carrying credit card debt and need a low interest rate
Most people don’t aim to get into credit card debt. It mostly happens by accidental. A series of random purchases, or a period of low income, and suddenly they’re getting whacked by interest on their debt! One card can become…
Can’t get out of credit card debt? Here’s why
Some people treat credit cards like loans – a way to borrow now and sort things out later. But that isn’t the way credit cards should be used. Credit cards are short-term purchasing tools, designed for people who already have…
Got credit card debt? Choose a low-interest card
If you’ve got credit card debt – and are struggling to pay it off – you really need to ensure that you’re signed up to a low interest credit card. These cards are not going to give you fancy rewards…
I mainly want travel & rewards points
Travel and rewards credit cards suit people who put a large amount of spending through their card each month and pay the balance off in full. In return, spending earns points that can be used for flights, flight upgrades (if…
The Three Things Warren Buffett Looks for in a Company
Warren Buffett is often described as the world’s greatest investor, but that description can be misleading. It makes his success sound technical or inaccessible – as if it rests on secret formulas or elite financial insight. In truth, Buffett’s approach…
