Home renovations can be stressful but it’s also an exciting time when you’re upgrading and refurbishing your house – and the end result is well worth the chaos! Renovation is a great option when you love the area you’re in but the house isn’t quite right for your needs. Many people also go with this option as it means avoiding the stamp duty that comes of buying a larger house.
Your flights are booked, your tours are organised and now all that’s left to do is pack. In all the excitement of getting ready for a well-earned holiday, travel insurance can often be an afterthought. Some people prefer to take out a standalone policy while others people go with the easy option of going with the travel cover through their credit card. However, there can be issues if you go with this option which is why there has been a call for an overhaul on the system.
For business owners, having a free cash flow is understandably a primary concern. Cash flow is needed to keep up with bills and invoices, pay employees and to give you the means to grow your business. It’s a sad reality that many businesses find that they simply don’t have the cash flow to operate successfully. Thankfully, there are some easy steps you can take to make sure you have free cash flow.
It’s difficult to put a value on the contents of your home. After all, it’s often the smallest things that carry the most sentimental value and we usually don’t consider just how many possessions we have accumulated. However, it would prove to be a very expensive exercise if you suddenly found you had to replace some or all of your possessions following an incident such as a burglary or fire. This is where home and contents insurance comes in.
Many people don’t know much about key person insurance or how it might apply to their business. However, as a business owner it’s important that you take responsibility for the future of your company by looking into all the appropriate options. Key person insurance is a good option when you want to keep your company running smoothly if you lose an important person.
Due to a push in work-life balance amongst the workplace, the increasing ease of technology and flexible working arrangements with business owners/managers lately, it is becoming more and more common for employees to work full or part-time from their own home. So if your answer is “yes” or “not yet, but I’m considering it”, it would be beneficial to think about some of the potential risks and issues involved with employees who work from home.
If you’re the type to compare the market before purchasing things like insurance, it might be handy to know there are a many number of risks you’re taking, particularly when it comes to comparator websites. It may seem like the budgeting shopper’s dream to be able to line up and compare different products in one sitting, however the risks lie in that you don’t have a professional sitting there with you to explain the different policies and meanings.
When we welcome the hot season, we often forget that with the arrival of warmer weather come those intense summer storms or a change in the tropics. As if Australia didn’t already have enough on its plate with droughts, bushfires and heatwaves! For some, storm season means a night in watching Mother Nature light up the stormy sky, followed by much-needed cooling summer rain.
When starting a new business there are a lot of things to consider, and one that should be a priority is taking out insurance. However if you already have a pre-established business with insurance, it’s also important to get a professional to review your current situation on a regular basis as your business and its circumstances are constantly changing.
The Federal Budget 2015 has been released but, let’s be honest, not many of us actually have the time to read it from cover to cover. However, if you’re a small business owner it’s important to understand what the budget will mean for you and your business. Below we’ve broken it down for you so you can see what impact the 2015-16 budget will have on small business.