Financial Schools Reviews

The Westpac Melbourne Institute Index of Consumer Sentiment, a closely followed consumer confidence indicator has fallen after the second consecutive interest rate hike.

The Index declined by 2.5 per cent and fell to 118.3 in November, down from 121.4 in October, after having gained 1.7 per cent in that month.

Bill Evans, chief economist for Westpac, said consumer sentiment still remained positive despite the decline in the index.

“Given that this fall comes after a second consecutive increase in the Reserve Bank’s overnight cash rate and associated increases in variable mortgage rates it has to be classified as a modest response. The

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Overseas credit card payments will benefit from the weaker dollar. Full Article…

Halifax is currently offering a group of credit cards that could suit many different types of consumer.

For those looking for a good interest rate and balance transfer offer may want to consider the Halifax All in One credit card.

The typical variable interest rate on this card is 15.9% APR and a 0% balance transfer offer could be available for nine months, with a 3% fee.

Holders of this credit card must pay at least the minimum payment on time every month and stay within their limit to retain the promotional rate.

Those at university looking for a credit card may want to consider the Halifax student credit card that aims to make managing finances easier for those in education.

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If you decide to use Living Trusts in your estate plan, your estate will likely avoid the expense and delay of probate, and your privacy will not be impaired by public records of your estate assets or beneficiaries. However, there are several countervailing considerations as well, and the rules are somewhat complex. This article provides an overview of the main considerations.

Trust Declarations

The Living Trust Declarations set forth your basic plans for disposition of assets upon your death. In order to achieve the full benefit of these trusts, it is critical that all of your material assets be transferred into your trusts right away.

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This guest post comes from Thomas J. Fox. Thomas is the Community Outreach Director at Cambridge Credit Counseling Corp. He is an AFCPE-accredited credit counselor and IFL Certified Educator in Personal Finance who, over the last decade, has created a number of guidebooks, DVDs and educational curricula designed to educate young people and low-income individuals about personal finance. Mr. Fox also co-hosts Money America, a weekly radio program that airs on WAIC 91.9 FM.

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