Unsecured business loans can be the key to unlocking exciting and new potential for your business. But how exactly do they work? When it comes to growing a business that is not only profitable, but also something you can be proud of, there are a number of things you’ll need to consider. Financing is one of the main concerns that can make or break a new and growing business. But, as they say, you’ve got to spend money to make money. Especially when it comes to the early stages of your business model. Finding accessible, liquid capital that is available quickly can be difficult, but not if you q ..read more

Getting by with a little help from your friends is great — when it works. Sometimes though, you’re better served when you seek professional help. Dealing with overwhelming debt can be one of those times. While it’s true you can often accomplish debt relief on your own, the learning curve is steep and that slope is especially slippery. It will take much longer to get there on your own and credit card debt grows every single day, thanks to the magic of compound interest. With that in mind, you’re probably wondering what to expect to pay for debt relief services. How Debt Relief Works Upon enroll ..read more

You have probably been aware of the existence of cryptocurrency – or crypto as the cool kids call it – for a while. So far it’s a fintech that has existed on the sidelines of your mind, as you see it as a fad or a bubble. However, Bitcoin has been around for more than twenty years, proving it less a passing moment and more a force that is here to stay. Bitcoin is far from its heady heights and those crazy times when Bitcoin millionaires were being created every day. Yet, with the emergence of new exchanges and new coins each year (Hey, did even have a coin called Sweat Coin that you can mine ..read more

When Dmitry Argarkov was sent a letter offering him a credit card, he found the rates not to his liking. But he didn’t throw the contract away or shred it. Instead, the 42-year-old from Voronezh, Russia, scanned it into his computer, altered the terms and sent it back to Tinkoff Credit Systems. Mr Argarkov’s version of the contract contained a 0 percent interest rate, no fees and no credit limit. Every time the bank failed to comply with the rules, he would fine them 3m rubles. If Tinkoff tried to cancel the contract, it would have to pay him 6m rubles. Tinkoff apparently failed to read the am ..read more

Australians owe a record $49.4 billion on credit cards with households maxing their plastic to cover escalating living costs. New Reserve Bank of Australia statistics shows total credit card balances have blown out by almost 45 per cent in the past five years to $49.4 billion in May, with $37 billion of this racking up interest. The number of credit and charge card accounts is about to top 15 million, an increase of almost 20 per cent in the past five years with an average debt of $3322 a card. However, the typical family credit card debt is likely to be much higher, with many households jugg ..read more

In years long ago kings, emperors and rulers raised taxes mainly to fight and finance wars. In today’s modern societies, taxes are a fiscal way of adding extra money to the government purse. Many ways are explored to deliberately raise extra money. In the past we had windows tax and brick tax, corn tax even tea tax. Pollies spend enormous amounts of time trying to find ways of saving money. They say we need the money to generate future prosperity. But in fact they are looking at extra ways to increase taxes. Purchase tax, poll tax, house buying tax, value added tax, car tax , GST, cigarette an ..read more

The amount of money Australians spend online is expected to swell to around $10 billion over the next five years, prompting large and small stores to position themselves for a piece of the pie. But while the ease and security of online shopping has improved markedly in recent years, experts say consumer behaviour is still changing as people reassess what they are prepared to buy on the web. Faster parcel delivery speeds are also likely to attract more shoppers, leading to a boost in sales over the next decade. This week, Australia Post cited growth in online shopping as the major driver behind ..read more

During the Second World war millions of men and women went off to war. Now they had to be paid by the government, and this caused a deficit of money to many of the countries taking part in the carnage. There had to be a way of replacing the finance or to face years of debt. The answer was to introduce War Bonds. Now these bonds raised enormous amounts of money and helped enormously to stabilise the country. I know what you might be thinking? How can we buy bonds when we have so many people out of work? You have to understand – it is not the poor who are receiving benefits or the unemploy ..read more

The financial problems in the world today could be summed up by armament  costs.  Fighting in Iraq and Afghanistan cost the Russians enormous amounts of cash. Look at what has happened to the states that made up Russia. Ukraine and Belarus, they are struggling and selling highly dangerous arms to potential war seeking third world countries. In the USA their defense costs would cover the whole of the European debt crisis.  Australia has the best financial record at the present time in relation to many of the world economies. And the country continues to make, sell, and get trustw ..read more

It is now time to think in depth about the US presidential election and the long time effects. Firstly to us in Australia the initial impact is nominal. Change always sees a rise or a slump in shares and currencies. The market hates uncertainty. This does not mean we are in for a recession, it just means the market needs time to readjust to change. Clinton as a leader will continue to carry on in the same way as Obama. Which means doing nothing of any importance to us here in Australia. As long as the president is a Democrat and the Senate and Congress is Republican, then the situation stays t ..read more