Selecting An Investment Advisor

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This newsletter has been developed to provide insights into the operation of the financial services industry, and to help individual investors make decisions concerning the type of advisement that best suits their needs. While there are many professionals who provide investment advice in one form or another, there are certain credentials and licenses financial professionals […]


Selecting An Investment Advisor

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This newsletter has been developed to provide insights into the operation of the financial services industry, and to help individual investors make decisions concerning the type of advisement that best suits their needs. While there are many professionals who provide investment advice in one form or another, there are certain credentials and licenses financial professionals […]


Changing Variables With Controlled Testing With Weight Watchers 1shoppingcart Aweber Examples

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My company is just like any other in that we test all sorts of things. We test ad campaigns, sales letter copy, images on web pages and in print copy, headlines, story leads, mini-site pages, buttons and more to see which ones convert the best, which give the best return on investment (ROI). But there’s […]


Developing A Successful Home Budget

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This is probably the most requested topic that I receive, normally after someone gets a large unexpected expense, or they start thinking about retirement and realize that they have saved a woefully inadequate amount of money. I recommend using a monthly time-frame to look at your cash inflows and outflows, because most bills are monthly […]


Tips To Consider Before Buying An Annuity Policy

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Annuities may be a useful tool for those who want a steady stream of income throughout their lives. While most annuities include a death benefit, an annuity is almost the opposite of a life insurance policy – annuities offer financial protection against outliving your income. Buying an annuity can be a complicated decision. Following are […]


Tips To Know Before Buying An Annuity Policy

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Annuities may be a useful tool for those who want a steady stream of income throughout their lives. While most annuities include a death benefit, an annuity is almost the opposite of a life insurance policy – annuities offer financial protection against outliving your income. Buying an annuity can be a complicated decision. Following are […]


Dealing With Interest Rate Rises

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Interest rates have increased 0.25% and now there’s talk of possibly another rate rise before the end of this year or early next year. Today, the Reserve Bank of Australia (RBA) issued their Statement on Monetary Policy which suggests that the RBA has a “strong tightening bias”. They have estimated inflation to be around 3% […]


Standard Variable Rate Mortgages

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Following the increase in interest rates on 5 July by 0.25% it is widely expected that most lenders will increase their standard variable mortgage rate by at least the same amount and indeed some have already done so. But what is a standard variable rate (svr) and how does it affect you? The svr is […]


Basic Principles Of A Loan

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Understanding the basic principles behind a loan can save new borrowers a lot of stress and make the borrowing process easier. This article will explore some of those loan basics. A consumer loan is simply when a financial institution lends you money with the promise (from you) that you will repay the money. Most loan […]


Discount Mortgages Should Be Compared Online With A Specialist Website

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If you are looking for discount mortgages then you should compare them online. The cheapest rates of interest are imperative if you want to make the best savings and comparing them online is easy. You do have to consider more than just the rate of interest; you also have to compare the small print. There […]


Buy Annuity

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There are many different situations when you will benefit if you buy annuity – an investment option offered by insurance companies. Annuities allow you to accumulate savings and start receiving the evenly distributed payouts after the accumulation period has passed. There are several things that you need to know when you buy annuity investment vehicles. […]


Variable Vs Fixed Rate Credit Cards Understand The Difference

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Many credit cards come with special introductory rates. These often include low or 0% interest rates for the first months or year. But what happens after the introductory period? This is when most credit cards switch to a variable or fixed interest rate. Read on to learn the difference between variable and fixed rate credit […]


The Benefits Of A Variable Rate Loan

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If you want to get a loan at a cheap rate, then you should look at the possibilities of applying for a variable rate loan. These loans have an APR rate that can vary depending on the base interest rate. This can either work in your favour or against you, depending on whether rates rise […]


Residential Mortgages Can Be Compared Online

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In order to find the best residential mortgage for your needs you should do a little homework beforehand and make sure you understand a little about them. When you know what you are looking for then it makes it easier to compare. Just as with all mortgages the residential mortgage has different types to choose […]


Are Variable Rate Credit Cards Better

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When you shop for a credit card, you will be considering variable rate credit cards and fixed rate credit cards. A variable rate credit card uses the prime lending rate as its benchmark. Each lender then adds his own interest percentage and offers the variable rate credit card to his customer. Look at it this […]


How To Choose Between A Fixed Rate Mortgage And A Variable Rate Mortgage

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Whether you are trying to mortgage your home or trying to buy a home you must know in the market today two common mortgages rates prevail. The two most common rates are known as a Fixed Rate Mortgage and the Variable Rate Mortgage. As the name suggest, the fixed rate mortgage contracts you for specified […]


Which Home Loan Rate To Choose

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Regardless of circumstance there is a home loan rate for your particular needs. Great credit or less-then-perfect, a rate is available for you. Choosing the best option for you can be a bit more complicated then you think. With a few tips and some help from an advisor, however, the right rate for you can […]


What S The Lowdown On Variable Universal Life Insurance

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If permanent insurance with flexible premiums and options is important to you, you’ll want to choose a variable universal life insurance policy. This type of policy combines features of universal life insurance with investment options, so you have the potential for a larger death settlement than you would have with an ordinary policy. It is […]