Insurance

CLEVER COVERAGE

Online insurance doesn't come cheap

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

wet floor.syd.afr.020415........a caution sign warning of a wet floor...... generic safety. liability insurance. personal injury...... afr first use......
***afrphotos.com***

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.

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.

BOURIS ON MONEY

Summer - time for a good think

Mark Bouris dinkus.

Mark Bouris The holidays are a good time to engage in some planning for 2015: the things you’d change, the things you’d do the same.

TIP OF THE WEEK

Splitting up? Act now to avoid surprises later on

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Alex Berlee Divorce is an emotional time but also one when important financial decisions have to be made.

GOOD ADVICE

Independent investors to pay a FOFA price

Alter the rules: Rearrange the costs.

Richard Livingston If you’re seeking genuine advice on your terms you will pay the price for the failure of the Coalition's FOFA changes..

LAST REQUEST

Will wills still work as paper trail fades?

Web life: With people spending so much of their time online, it is worth considering what should happen to your digital assets and accounts after you die.

Emily Chantiri Most of us manage our personal finances online. It's very convenient for us, but how easy will it be for our executors?

THE MOTLEY FOOL

Six ways to make your money work as hard as you do

Money

Scott Phillips You've worked hard to earn it, so don't let your money put its feet up - give it a job to do.

YOUR QUESTIONS

Careful planning needed to have a good lifestyle in retirement

Golden years: Those planning to retire hope their income will allow them a lifestyle of leisure.

George Cochrane The goal is a retirement unit, but the money keeps going elsewhere. What's the best plan?

YOUR QUESTIONS

Sharing with sister is too taxing

Sister act: Can I just transfer my half of the house to my sister? I'd rather give her $450 a year than the state revenue office!

George Cochrane We own equal shares in a house. What happens if I give her my half?