All articles by miriam

Your net worth is the amount that you are really worth when you combine your assets and your debts. Your net worth is a good picture of where you really are financially. It helps to put things into perspective, and allows you to focus on building real wealth instead of just accumulating stuff. You can...
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Why You Need Insurance

Insurance is a tool that can help you protect yourself and your assets. It is all about risk management, and it is important to have the right amount of coverage for your situation. You do not want to ever have too little, but you do not want to pay more than you need. There are...
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What You Need To Know About Index Funds – A Beginner's Guide

Index funds are are designed to buy shares from all of the companies listed on a particular index – which may include Standard & Poor’s, ASX Top 50, 100, 200 and others. Because they are designed to track the market, index funds will follow the market up and down. When you are choosing an index...
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How To Choose Managed Funds – A Guide For Beginners

Managed funds are one of the investing tools you can use when you are interested in investing in the stock market. Managed funds help to reduce the risk that you have when you invest in just one stock or type of stock. A managed fund invests in a wide variety of stocks, both different companies,...
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Investing In & Buying Shares: An Introduction For Beginners

When you buy shares, you are investing in one specific company. The shares can go up and down in value and you take on the risk that the company is facing. However, you also receive dividends from the company when it is doing well. When you are a share older, you are a part owner,...
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How To Invest – A Beginner's Guide

Investing is the way you take your savings and begin making it work for you. When you invest wisely, you will begin to build wealth, because you are using your money to earn additional money. If you have never invested before, it can be intimidating because there are a number of investing options, and you...
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Self Managed Super Funds (SMSF) For Beginners

A self managed super fund gives you more control over the investments in your retirement account. You will become the trustee of the super fund. This means that you can make the decisions of where your investments are in the fund. However, you also take on the responsibility of making sure that you pay taxes...
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Finding The "Best" Mortgage For You

When you take out a mortgage, it is likely the most money that you will ever borrow. There are a number of different types of mortgages, and you may be wanting to buy your first home or refinance your current home to cash out equity or to find a lower interest rate. It is important...
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Finding Unclaimed Money

You may have money sitting in an inactive bank account, or a paycheck that you never picked up. You may also have inheritance, tax refunds or other money that is owed to you that you do not realize that it is out there. There are several resources available to help you look for any unclaimed...
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Tax Tips For Individuals – A Brief Introduction

The only really good thing about taxes is if you are fortunate to get a refund on the money that you paid. Taxes in Australia are figured from July 1 to June 30 of each year. Once you lodge your tax return, you will be eligible to receive your tax refund. It takes about 12...
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Buying a House: A Guide For First Timers

With ownership comes great responsibility–and a whole lot of potential to screw up. That’s why, lately, there’s been talk about the risks involved in buying property. Just because real estate prices are falling, people tell us, doesn’t mean we should run off and buy an estate and a few hundred cattle. It will only lead...
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Planning and Transitioning To Retirement

Planning for retirement is one of the most important things that you can do now. It will ensure that you live comfortably in your elder years. It is important that you set aside money today to help you care for your future needs. It takes time to set up and plan for retirement. While your...
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