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How to Get Advice About Personal Injury Law on a Budget in Brisbane


It is not untoward for the injured to seek legal consultation after a tragic event. If the victim has severe injuries, a relative, colleague, or spouse can take the initiative. Personal injury law in Australia covers a vast index of issues. The principal branches focus on intentional acts, defective product claims, defamation, and accidents. Legal representation can be a crucial resource to prove fault or negligence.


Understanding personal injury


By definition, personal injury describes any form of psychological distress or harm to the body. Someone injured can petition for financial compensation if another party is responsible. Of course, this legal proceeding requires proper due diligence and assessment to award a settlement. It helps to get guidance from a prolific trial lawyer who knows personal injury law in Australia.


Types of personal injuries


One cannot ignore that personal injury claims have reached record numbers in recent years. Although every supposed victim has the right to petition for settlement, there is no guarantee. However, well-prepared cases have a higher success rate. Furthermore, top lawyers handling personal injury cases know how to prepare a bulletproof trial. It is possible to make personal injury claims for the following:


  • Auto accidents. Australians request compensation for vehicle-related injuries daily. It may involve pedestrians, drivers, passengers, and different types of transportation. Some examples of transports include mopeds, buses, cars, motorcycles, and trucks. 
  • Public liability. Here is another branch of personal injury that covers several incidents. It helps to get an idea of how many slip and fall cases go to trial. Is there adequate evidence to provide public liability after a slip and fall at the supermarket? Psychological injuries fall under this category as well. Want to know the best recourse in this predicament? A lawyer who specializes in this area can help establish a foundation for legal cause.
  • Medical negligence. Is a doctor or another healthcare practitioner responsible for the injuries sustained? The law sees these highly trained professionals above malpractice and negligent behavior. How has a misdiagnosed condition, incorrect prescription, misinterpretation of medical results reduced the quality of life? With substantial supporting evidence and legal representation, appropriate compensation is feasible.
  • Workers’ compensation. Employees who sustain serious injuries on the job may qualify for relief. Validation of this kind of personal injury claim weighs heavily on proving employer negligence. Qualifying injuries include travel-related trauma, diseases, treatment, and aggravated pre-existing complications. An injured party can submit a claim within three years. Cases outside of the specified timeline do not qualify. It helps to get clarity on no win no claim policy. 


Personal injury compensation qualifiers


The injured may receive financial compensation for losses if there is adequate proof. Valuation is contingent on the submission of official documents to substantiate claims. Another possible determining factor is the financial status of the person at fault. Typical examples of qualifying damages include:



  • Medical bills
  • Lost wages
  • Funeral costs
  • Material and non-monetary damages



Having a prolific personal injury attorney makes the process less challenging. They are familiar with the logistics of the claims filing process. Claims generally take anywhere from six months to a year. Experienced litigators exercise due diligence to avoid getting slip and fall claims denied. The lawyer will collect and process all necessary paperwork, including medical reports and statements. Some cases, such as auto accidents, involve less complicated steps.


Who pays for personal injury claims?


Once the plaintiff agrees on settlement terms, an at-fault party may pay directly or let the insurance company cover it. Slip and fall compensation covered by an insured at-fault party usually comes through the claimant’s insurer. Personal injury law in Australia varies from one province to the next. 


What types of proof matter?


Get an official insurance assessment that lists the damages caused by the incident. The lawyer will need this to make a reasonable judgment. Another substantial piece of evidence to support personal injury claims is an official police report. Did the ordeal trigger any form of psychological disorientation? The petitioner should also present relevant reports to corroborate any claims of psychological trauma. What is the easiest way to know how much do no win, no fee lawyers take upfront for personal injury cases? Some law firms offer free advice online. 


As per personal injury law in Australia, it is acceptable to request restitution as early as a month after the incident. If you’re living in Brisbane, consider contacting KDA Legal. Their lawyers are versed in all aspects of personal injury in Australia. Alternatively, leave a comment and we’ll get back to you as soon as we can. 


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Companies and business owners such as mortgage broker Ivanhoe rely on investors to help them business to grow They finance their business and they provide resources for the company to upgrade equipment, expand operations and introducing a new product.

Who is an Investor?

These are entities or people who invest in a business with the expectation of getting financial returns. This helps them to grow their money. Therefore, every investor has objectives governing his investment. This includes -liquidity which can be converted to cash when the need arises, profitability which can be through capital appreciation, dividends, and interest. They also need the safety and security of the amount of money invested.

Who can be an investor in a company?

When we talk of being an investor people might think that they are special people who have been accorded that opportunity. Therefore, it is important to know that anyone can be an investor in a certain company. The following can be investors:

A shareholder of the company?

A shareholder is anyone who buys stocks from and the company. Therefore, a shareholder may also decide to be an investor within the same company.


An individual can also be termed as a small investor. He can invest in various companies depending on his ability.

Other companies

A company is allowed to invest in other companies to secure their future earnings. This will establish relationships and partnerships with other companies in an attempt to have specific assets that can be in the form of their products and services.

Foreign investor

A foreign individual can also be an investor in certain companies. They can invest in equity shares.

Types of investors

Investors can be classified into two main categories. These are the institutional investor and the retail investor.

Retail investors

A retail investor is also known as a non-professional or individual investor who can buy and sell securities, exchange-traded and mutual funds using investment account or other brokerage firms. They make smaller investments and fewer trades compared to institutional investors Normally, they pay higher fees on their trades, commissions, and marketing because of their purchasing abilities.

Institutional investor

This is an investor who invests on behalf of the members. It can be described as an organization that trades securities in large quantities. They have a diverse knowledge of investment options because they can influence the prices of securities and perform major trades.

Additionally, both the institutional and retail investors invest in stocks, contracts, and bonds. The major difference is that institutional investors make independent exchanges on every transaction that they perform. On the other hand, retail investors pay distribution costs, marketing, and brokers fees because of the smaller volume of trades.

The investors can also be further classified into three. These include:

Active investor

Active investors lay a foundation for passive investors by utilizing their wealth. They make money irrespective of market conditions because they understand that return capital is what brings more money.

Passive investor

This is a basic play for financial security and that is why most financial institutions recommend it for people who are busy with their jobs or entrepreneurs. This type of investor delegates most of their responsibilities to experts such as money managers, brokers, and financial planners. Therefore, their return depends largely on other people’s expertise.

A woman walks through the viewing area at the Australian Stock Exchange in Sydney, Australia, Wednesday, May 1, 2019. Financial markets were mostly closed in Asia on Wednesday for holidays after Wall Street capped a wobbly trading session with meagre gains. Australia’s S&P ASX 200 rose 0.8% after ANZ reported a 2% increase in its profit, kicking off the earnings season for the country’s Big Four banks. (AP Photo/Rick Rycroft)

Pre investor

They are known for their minimal financial investment. They do lots of consumptions that investing. They are concerned about the pay that they decide to solve their financial problems. Lifestyle is important to them and that is why when they receive more money they will spend more to live a luxurious lifestyle. They are newbies in the investment world.

How can find an investor?

After starting a business you would want to have an investor who is reliable right? Well, locating an investor is easy and you can find them through the following ways:

  • Through mentors-Your mentors can help you find investors or they can commit themselves to be your first investors.
  • Apply for accelerator programs that are offered by established entities, seed and investment funds.
  • Do the research and compile a list then you make a follow-up.
  • Crowdfunding platforms which target various companies.
  • Angel investor networks
  • Online platforms
  • Through business schools with strong entrepreneurship programs

These investors play a very crucial role in the growth and success of a company. Therefore, as a business owner, it is important to build a good relationship with the investor and your business will expand.

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Home Loans


Introduction to home loans

A home loan refers to the amount of money rendered to an individual by a financial lending institution such as banks at a defined interest rate to be paid every month with the equated monthly installment. The company lending the money uses the home (property) as the security for the loan.

A borrower can use the borrowed money to purchase commercial or personal property depending on his or her needs. In case the lender fails to pay the dues, the lender can auction the property because he has all the legal rights to recover the loan balance that the borrower has neglected to pay.

How to qualify for a home loan?

Know your credit score

You should know your credit score and think of ways to improve it. Reviewing your score and credit history early enough will give you the necessary time to fix the errors, if any, before submitting your home loan application. This will help you to meet the lender’s score requirements.

Save Your Cash

Requirements for getting a mortgage keeps on changing, and if you are planning to apply for a mortgage, you should be ready to spend some cash. Lenders are willing to listen to home loan applicants who have some money. To qualify for this type of loan, you have to make a down payment.

Keep on doing your job

You should stick to your job while buying a new home. You should not quit the job because your mortgage is about to be approved. Changes in job or income can halt the mortgage process. So if you want to qualify for a home loan, stick to your job.

Different Types of Mortgages

When choosing a mortgage, you should not only consider the interest rates and the fees you will be required to pay. You should also learn about the type of mortgage you want. Mortgages are available in different types, so you have to choose one that you feel you are comfortable with. There are two primary types of mortgages:


The interest charged remains the same during the entire repayment period.

Variable Rate

The interest charged keeps on changing.

Fixed-rate mortgages

The amount of interest you pay will remain the same throughout the loan lifespan, irrespective of what happens to the interest rates.
Most lending institutions offer fixed mortgage loans for a period of two to five years with a specified interest rate to be paid for that period.

Variable-rate mortgages

The interest rates for variable mortgages keeps on changing over time. Because they are unpredictable, you should set aside some savings so that you can afford to cater to increased payments if there is a rise in interest rates.


Variable-rate mortgages are available in different forms. They include:

Standard variable rate

This is the typical interest rate that mortgage lenders charge homebuyers and will last for the entire loan repayment period or if you choose to take out another mortgage loan.
Changes in the interest rate can happen in case of a rise or a fall in the base rate.

Discount mortgages

This is also another form of a standard variable mortgage. Here the lenders offer homebuyers a discount off their standard variable rate and do not apply all the time; it only applies for a specified period which maybe two to three years.

Discount mortgage lenders are different, and that’s why standard variable rates are not the same across all the lenders. You should never mistake the discount with the interest rate.

Tips for getting better home loans

Are you planning to buy a new home or refinance the existing one? Getting the right home loan can save you a lot of money.
The following tips are meant to help you get the best home loans

Check your credit reports early enough

This is the first thing that should come into your mind even before you start home shopping. Try to find the amount of mortgage you can qualify from the lenders and what you can do to improve your position.

Scrutinize your credit to find out whether it has problems or errors. This will not give you your exact credit score, but the information contained in your credit report is what forms the basis for your rating. To fix errors, if any, can take longer, and that’s why it’s crucial to get started early enough before applying for a mortgage.

Meet with lenders

Once you are done with your credit score, the next step is to meet with mortgage lenders. Starting charts early ensures you are well prepared for the mortgage shopping and allow you to compare lenders’ rates. You should also request the lenders to inform you about the documents you will need to submit when applying for a mortgage.

Check your credit score

A credit score is different from credit reports. You should check your credit score and monitor what you are doing to improve it even if you are not prepared to make a purchase.
FICO scores are the most used when it comes to lending and banking.

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Credit Card Loan


A credit card loan can be defined as the amount of money you borrow when using your credit card. With a credit card, you can buy things even when you don’t have enough funds or when you are not willing to spend your cash. People prefer to shop using credit cards because they are convenient, secure, and easy to track.

When you shop something via your card, the issuer can lender you the credit to the shop. You will be required to repay the amount rendered at a later date. Once the grace period has elapsed, you will be required to pay the accrued interest on that loan.

How does a credit card loan work?

A credit card allows you to spend money when you don’t have sufficient balance in your card. It’s similar to having a loan for the amount you incur using your card. The maximum amount you can spend is determined by your credit card limit.

If you pay the bill in total every month, you will not be charged the interest on the amount you borrowed. The case for withdrawals is different since you are charged interest daily from the time you took cash.

You should avoid the cash-out option when using a credit card. This is because this option attracts an interest rate of 4 percent or more based on the credit card issuer. Cash withdrawals usually attract higher interest rates when compared to purchases.


Difference between personal loans and credit cards

Are you planning to borrow money to consolidate debt or cover an expense? There are various methods you can use to finance your needs. What comes in people’s mind when planning to borrow money is credit card loans and personal loans. Some people don’t know which type of loans between the two is suitable for their needs.

Credit cards and personal loans can lend you the cash you need instantly, but each one of the options has its advantages and disadvantages. The following are some of the things you need to know before you can borrow.

Personal Loans

Some people are new to term personal loans but familiar with credit cards. Personal loans allow one to borrow money for different reasons, such as home improvements. Personal loans can be obtained from various lending institutions such as banks, credit unions, and even from online lenders.

The working of personal loans is not different from that of auto, mortgage, and student loans. You apply the amount you wish to borrow, and the lender uses your credit score and history to evaluate whether you qualify for the loan and at what interest rate. With a good credit history, your interest rate will be lower. You will be required to pay the loan in monthly installments up to the time outstanding balance is paid off.

Personal loans vs. credit cards

Personal loans are ideal for more substantial expenses that take time to pay off, whereas credit cards are suitable for small expenses that are paid off a bit faster. This is because credit card loans carry higher interest rates when compared to personal loans, so carrying a balance on a card for an extended period can be very expensive.

Repayment period

Credit card loans usually have a short term repayment period when compared to personal, which has a long term repayment period based on the amount of loan you have borrowed.

Higher payments

Personal loans have a set term, and that’s why they generally require higher minimum payments when compared to credit cards. Personal loans higher monthly payments are only suitable for individuals who don’t have a limited disposable income.


Personals loans don’t encourage people to keep borrowing more money, unlike credit cards.

Things to consider before getting credit card loans

Credit limit

This refers to the amount of money the issuer is ready to let you borrow. The amount you qualify is dependent on your credit history. You don’t want to be in a situation where you are close to stretching your credit limit because it can negatively affect your credit score. There are credit card issuers who have lowered the customer’s credit limit to an amount that is below their actual balance.

Fees and Penalties

There are several ways credit card issuer can make money from off you — the charges involved in transactions like the transfer of balances, cash advances, among others. Penalty charges are also imposed when you fail to pay the bill on time.

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Factors that lenders consider before financing commercial trucks


Truck Finance

Obtaining truck finance is not as easy. At times you might not get the funding you require, and it might also be costly. When sourcing for truck finance, you can either look for dealer financing or direct lending. Direct lending entails obtaining truck loans from financial institutions like banks, online lenders, and credit unions. Often, before a lender gives you a truck loan, they first try to understand the purpose of your truck; that is, whether it is a commercial truck or for personal use. If you want to buy a commercial truck, the lender first reviews your business’s equity and assets before deciding whether you qualify for the loan. Such considerations make it harder to obtain a commercial truck loan, especially because most lenders avoid risky financing businesses. This article gives in-depth insights into truck finance.

Factors that lenders consider before financing commercial trucks

Business life – The lender considers the time that the business has been in operation. New businesses find it hard to secure truck financing.

Business cash reserves – It is hard for a business with low cash reserves to qualify for truck loans. If the business does qualify, it might pay higher interest rates.

Ages of the truck – Lenders usually hold the truck as collateral; hence, it becomes harder to obtain finance for an older truck.

What are the things to be considered before financing a truck?

Affordability – Ask yourself if you can afford to pay the loan. To help you evaluate the affordability of your financing, follow the rule that states that your monthly truck payment should not be higher than 20% of your monthly income. Additionally, you can determine if you can afford a truck by determining your cash assets. You can use the cash assets to make a down payment.

Lending options available

There are various lending options you can use to finance your truck. These options have advantages and disadvantages; it is thus right to study them carefully and then choose the one that suits your financial situation. Additionally, different terms and conditions apply to the various lending options; consider such financing agreements before choosing a lending option.

The suitability of the truck – before financing a truck, ensures that the truck is reliable, cost-effective, and is appropriate for work. If you want a truck for work, ensure that it can carry out the tasks you want it to do. For example, a truck to carry heavy loads must be one that has suspension, mass, and power to handle heavy loads.

How do you finance a used truck?

Though it is less expensive to buy a used truck compared to purchasing a new truck, it is harder to get a lender to finance a used truck. It is also hard to know the appropriate asking price for an old car. However, you can get financing from either direct loans or dealer financing. When using direct loan financing, ensure you understand your credit score. This helps you know the terms and rates you are likely to get. Also, look for many lenders, analyze their rates, then choose the best. When using dealer financing, first research on interest rates that different dealers are offering, then select the one that suits you.

Can I buy a truck with bad credit?

It is easy to buy a truck with bad credit. However, you have to put in place various measures, including; working on your credit. Do this by paying past credit. Also, analyze your credit report while checking for errors and ensure you dispute such errors. Working on your credit helps you make your credit score higher. Additionally, make a high down payment. A down payment helps you offset the taxes, interest, and fees hence give you a variety of vehicles to choose.

Requirements for track finance

A financially viable business- Lenders avoid lending to risky businesses. You must ensure that your business can give returns.
Credit history-your credit history determines whether you qualify for a loan. It can also determine your monthly payments and your interest rates.

Financing a truck is not an easy process, but it is possible with the right information. Truck finance could be in the form of loans or dealer financing. Before you choose a lending option, ensure you analyze various lenders; check the affordability of the loan and suitability of your track. Lenders typically consider the credit score of an individual, the business cash assets, and the business life before giving truck finance.

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Imported Car Finance


Imported car finance

Car finance entails acquiring financial products to allow one own a car. These financial products may include car loans, hire purchase, and car leases. Obtaining car finance for an import car is easy but not as straightforward as acquiring finance to buy an ordinary family car from your country. This article gives in-depth insights on imported car finance.

Import car finance

Car loans

You can obtain a car loan for an import car from various financial institutions like credit unions and banks or even from Audi Service Melbourne. However, some financial institutions, like big banks, perceive people seeking to import car loans as high-risk individuals and may not lend them money. Additionally, banks also ensure they get vehicle information and the car value details from Red Book to ensure that the borrower gives accurate information. If the information is not available to the bank, it might not lend car finance to the borrower.


Types of car loans

• Unsecured loans- you can get them from banks, building societies, and credit unions. Though these loans have more hurdle rates, they have lower interest rates

• Secured loans; you can obtain them from a few finance companies. However, most of the finance companies usually ask for a certain percentage of the car purchase price before they process your loan.

What is an imported vehicle?

An imported vehicle is a buy that you buy and has been produced/ made in another country other than your home country.

Are imported cars more expensive to insure?

Usually, insurance companies charge higher excesses or premiums for imported vehicles. When determining insurance costs, insurance companies typically consider various factors like cost. The amount you use to insure your car depends on the cost of the vehicle. The more expensive your import vehicle is, the more the insurance costs you will incur.

Often, insurance companies will charge higher insurance costs for import vehicles since they have high repair costs. This is because the parts of most of the import vehicles are not readily available hence causing high repair costs. To help the insurance companies cater to the high repair cost, they thus charge higher insurance costs.

Can I import a car to Australia?

You can import a car to Australia thought the process is quite tricky since the country has imposed many laws that discourage vehicle importing. Mostly, large manufacturers import cars, but they also have to make sure they meet all the standards.

Laws while importing cars to Australia

Individuals who wish to import cars must first obtain import approval. The customs control cannot release an import vehicle unless it has an import approval. On the other hand, manufacturers must have an identification plate approval. Additionally, you must meet all the quarantine requirements. Quarantine refers to car inspection done to ensure that a vehicle import meets all standards. For example, cars with asbestos components are not allowed. Your vehicle must also meet approval conditions, which involve modifying your car to make it compliant.

An import car is a car produced in another country. It is seen as luxurious and classy. You can finance an import car by using a loan, hire purchase, or lease. Often, insurance companies charge higher insurance premiums for import vehicles because they have higher repair costs. Importing a car to Australia is quite tricky, and you must follow multiple rules.

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