Insurance

CARE COVER

Still time to beat private health insurance premium rises

John Collett As private health insurance premiums rise, many policyholders are looking to reduce their cover to cut costs.

CLEVER COVERAGE

Online insurance doesn't come cheap

ASSET MAGAZINE COVER photo TAMARA VONINSKI  generic rain umbrella business man forecast SPECIALX 79335

Back of man in suit with a red umbrella

John Collett When it comes to life insurance, buying directly from the insurer is usually the most expensive route.

Insight

Duopoly drives rising insurance costs

A depth gauge in the Warrego River near Enngonia. Water users in NSW are concerned about water allocations in Queensland. Photo by Andrew Meares smh news 8 February 2007 SPECIALX 222

Clancy Yeates 'Bill shock'' normally refers to the unpleasant experience of receiving an enormous phone or electricity bill. But it could just as easily apply to insurance.

SUPER

Large funds have life insurance covered

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Photo by Rob Homer

John Collett Most of us don't have enough life insurance, so it's good that large superannuation funds provide ''default'' death and total and permanent disablement insurance to their members, who otherwise may...

PLANNING

We all have a little life insurance, but most of us need more

retirement

Penny Pryer Insurance companies have been raving about Australia's "chronic" underinsurance problem for decades.

INSIGHT

Shop around for a good insurance deal

Clancy Yeates This year's devastating start to the bushfire season has underlined the value of insuring the biggest asset many people own: their home.

Credit insurance risks uncovered

The skyline

Lesley Parker Consumer credit insurance - marketed alongside credit cards and personal loans as a way to protect your ability to meet repayments - remains on the Australian Securities and Investments Commission's...

Insurance commissions encourage churning

The chairwoman of Choice, Jenni Mack, says when you buy life insurance, a commission of about 130 per cent of your first year's premium, then 10 per cent to 30 per cent each year after that, is paid...

Pet insurance for a priceless companion

Trudy Collinson's dog, Bonnie

Trudy Collinson thought her dogs would be a good way to get her out of the house and to nearby Melbourne parks for exercise and to meet people while her children were at school.

Travel insurance cap may not fit

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Lesley Parker The more you take on holiday, the more you stand to lose if you're not adequately covered.

ADVICE CENTRE

Financial advice register a winner for consumers

Four planners adversely named in the financial planning scandals at the big banks not listed on the register.

John Collett ASIC's register of financial advisers that went live online this morning has scored some early wins for consumers.

A little self-knowledge can go a long way

John Collett dinkus Dinkus

John Collett When you’re making big financial decisions, it helps to know your weak spots and learn how to manage them.

TAP AND GO

Budget? Bills? Banking? App to it

Whatever your financial needs there's a wide choice of apps available.

Christine Long Whatever your personal finance needs, there’s an app that can help you. Here are some of the most popular.

TIP OF THE WEEK

The money conversation you need to have

A careful approach might be required to discuss finances with your partner.

Dominique Bergel-Grant One or both of you might be unwilling but it's an important discussion to have.

TIP OF THE WEEK

Try not to squander your inheritance

Plan carefully before spending that inheritance.

Alex Berlee Just been left something in a will? Here's what to do next.

YOUR QUESTIONS

What's the tax position on my property?

What is the tax position on my property?

George Cochrane My SMSF owns a commercial property. Can I transition to retirement and pay zero tax on the rent from the property while the property has a mortgage/loan on it?

OVERSEAS LIVING

Stretched? Try calling Asia home

Colleen Ryan and Stephen Wyatt As the cost of living rises in Australia, many would-be retirees are planning for a cheaper life overseas.

WELL HEELED

Big savings if you keep an eye on the small things

Melissa Browne Make sure you're taking care of the little expenses that can creep up on you.

INSIGHT

Cheaper goods not good news for all

Australia may be importing price falls as well as goods.

Clancy Yeates Economists worry that overseas weakness will spread to these shores.

DO IT YOURSELF

Create your own new job

Potential: There's a job in there waiting to blossom.

Barbara Drury In a world where traditional jobs are disappearing more Australians are turning to freelancing and self-employment out of necessity.