When it comes to aboriginal funerals, it is an event that is highly valued by the Aboriginal people. Often, ceremonies related to funerals can go on for several days and even weeks. In more intense ceremonies, the children might even be absent from school in order to take part in these very valuable communal events. The ceremonies include multiple dances and songs, which have their varied structures and meanings. In order for all these take place, the families will surely incur expenses. This is where the importance of funeral planning comes into the picture.
Whether you are getting set to buy your first home or you are preparing to re-mortgage your home, it is important that you do so with the best deal available. You don’t need to be an expert in using a mortgage repayment calculator before you can find a great deal out there. Instead, you need to understand some of the steps that would help you towards having your home mortgaged at the best rates.
That new car smell, the smooth ride, the envious look on your neighbour’s face, the empty savings account … hang on, that’s not right. There are certain things that make buying a new car worth it, and an empty bank account certainly isn’t one of them. But you know what? You really don’t need to spend as much as everyone else does for a brand new car and here’s how you go about it.
Time it right
The time of the year can be a massive factor in how much (or how little) you pay for your car. Choose to buy your car towards the end of the financial year, and you could secure yourself a very nice deal. You see, at this time of the year, dealers are eager to hit their sales targets for the year or to beat last year’s record. Whatever their motivation, there’s no doubt that they are much quicker to offer cut-price deals or throw in free extras at this time of year.
Last month I published an article about contactless payments and it seems like it’s a hot topics nowadays because Westpac released its Visa contactless payments statistics for 2017.
They claim that Visa payWave contactless payments increased to 325 million in 2017, which is a 25% uplift compared to 2016. There were 67 million more payments in 2017 than the year before.
In the first month of 2017, Visa reported more than 24 million contactless payments, which by the end of the year increased to over 33 million.
Are you someone who absolutely hates how long it takes to make a transaction using a credit or debit card? Do you worry about card fraud a lot? If so, you will love contactless payment systems, which involve the use of contactless cards, stickers, key fobs, mobile devices, and wearable gadgets.
In a nutshell:
- It is secure. You don’t need to hand over your card to the cashier. For the entire transaction, the card never leaves your hand.
- It is fast. You don’t need to enter a PIN or leave a signature for purchases under $100.
- It is easy. You just need to hold the card close to the terminal.
Contactless payments make life a tad easier for the average consumer.
Contactless cards have been available in Australia since 2006 but it only started to gain traction in the last few years. From the 7.6 million cards issued in 2010, the number grew to 18 million in 2014. With more and more retailers accepting contactless payments, the total number of contactless cards in Australia should reach 33.9 million in 2019, Timetric predicts.
Though money can take you places, there is no guarantee that a bigger investment leads to success. The invention of the internet is indeed a blessing to many who dream of pursuing a business. As long as you have an internet connection, a laptop, and comfortable space, you can start any online entrepreneurship venture even with minimal cash.
You’re in the right place because today, we are about to reveal opportunities that’ll improve your financial future – the digital way. The best part is that you don’t need hundreds or thousands of dollars in order to get your business up and running.
Using a guarantor to borrow more than 100% of your property’s value
It is possible to borrow up to 105% of a property’s value through some lenders, with the help of a guarantor. This has a number of benefits, including allowing you to buy a property without a deposit, and – as we explore later, can also save you from the cost of lender’s mortgage insurance (LMI) that can apply to more highly leveraged loans.
Guest Post by Andrew Ford, CEO of Heartland Seniors Finance
People often ask me why am I so passionate about Reverse Mortgages. I guess many Australian seniors are either wary because of the misinformation and misconceptions that still linger in the market, or don’t see how someone can be so passionate about a ‘financial product’.
The reason that I love Reverse Mortgages so much is that I have seen firsthand what they can do for people. I have spoken to, and met with, thousands of seniors whose lives have literally been changed by a Reverse Mortgage. I think that’s pretty neat.
What makes the prices of currencies move on the open market? This is one of the first questions that virtually every trader tries to answer. The reality is that values fluctuate constantly in the currency markets and, more often than not, they are at the mercy of the countless trends and influences found throughout society.
Factors that Influence
Geopolitical turbulence, macroeconomic policy, government legislation, and technological breakthroughs all rank among the most influential world events on forex prices. Events which affect the forex market can be as benign as a democratic election which returns the predicted outcome, or as unpredictable as the outbreak of a war, or a natural disaster.
Enjoying a delicious freshly-cooked takeaway meal at home is one of life’s simple pleasures. It’s a moment in time when you can relax and unwind with family or friends and sample some of your favourite foods without even having to lift a finger in the kitchen yourself. Unfortunately, for people who need to tighten their financial belts to save money for a house deposit or to pay off that loan, takeaways tend to be one of the first things binned from the luxuries list. That’s without even attempting to find other ways of cutting back and keeping enough cash for a couple of takeaway treats each month.