Gerard Faulkner Financial Services in Ballarat, Victoria | Insurance broker

Gerard Faulkner Financial Services

Locality: Ballarat, Victoria

Phone: +61 3 5331 1063

Address: 108 Lydiard Street North 3350 Ballarat, VIC, Australia

Website: http://www.GFfinancialservices.com.au

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24.01.2022 Talking to your children about money can start as early as 4 years old. Instilling good financial habits early on has a positive effect on children for the rest of their lives, however 68% of parents say they don’t feel comfortable talking to their children about money for a number of reasons, such as they don’t want to stress their kids or they are not happy with their own financial position. Regardless of your own insecurities, it’s a conversation you should be having in order to raise financially smart children for the future. Read more in this article from Moneyandlife here: https://www.moneyandlife.com.au//when-to-start-talking-mo/ #financialindependance #childrenandmoney #saving #financialadvice #pocketmoney

23.01.2022 Do I need insurance against Bushfires? Like all insurance decisions, that's entirely up to you. BUT don’t come wanting insurance to be put in place if the bushfire is already burning down your back fence! Have your Insurance Policy in place For Insurance, you are trying to insure against the unknown, not the known. Home and Contents insurance and Farm Insurance will cover you for bushfires, though different insurers have different definitions of what they will cover, so nee...d to check the fine print. Are your fences covered? Is your Livestock covered? Is your plants, shrubs, trees covered? What about your pets? Farm Machinery and Farm Contents are they covered? These can all be included on your policy and we can tailor a package to suit your needs. Cars need separate cover and compulsory third party will not cover damage from bushfires. You will need fire coverage for that. We are seeing bushfires in more area than ever before, and given the dry weather conditions, it’s entirely possible that the home you may have previously thought was not at risk could now be in a bushfire zone. One thing to bear in mind is that if your home is totally destroyed you may need to rebuild it to a higher standard taking into account regulations around bushfire risks so insuring it for it’s current worth may not be enough. Plan for a bushfire, every fire plan will be different though, some tips are as follows:- Which Fire Danger Rating is your trigger to leave? Will you leave early that morning or the night before? Where will you go? What route will you take and what is your alternative? What will you take with you? What do you need to organise for your pets and livestock? Who do you need to keep informed of your movements? Is there anyone outside your household who you need to help or check up on? How will you stay informed about warnings and updates? REMEMBER TO DECIDE WHO WILL DO WHAT AS PART OF YOUR PLAN Should you wish to discuss Insurance Options for your property please contact Gerard Faulkner on 0418 573 763 or email [email protected] See more

23.01.2022 Your Insurance & Covid-19 In the current times of high uncertainty and anxiety in local and global markets due to the increasing impact of the Covid-19, it's very difficult to work out what to do first to ensure the continuity of businesses and livelihoods. The potential closures of business premises and the prospect of periods of imposed quarantine for large numbers of people/staff are beginning to cause great concern amongst business owners. Every business out there (includ...Continue reading

22.01.2022 Adult children who are living with their parents to save is quite common in Australia and some of those factors are stated as being due to the housing affordability and stagnate wage growth. What do you think? Do you agree with these reasons? Check out the full article by Moneyandlife here: https://www.moneyandlife.com.au//home-to-roost-advice-for/

21.01.2022 Thinking of buying your first home and have no idea where to start or how to get approved for a loan? This article by @moneyandlife discusses the preliminary steps towards your home ownership goals. https://www.moneyandlife.com.au//getting-ready-to-buy-you/ If you’d like more tips like this please book yourself in for a chat with one of our financial planners today and we can discuss your unique situation and get you on track to owning your own home (03) 5331 1063... #financialplanner #firsthomebuyer #financebroker Moneyandlife

20.01.2022 Savvy Seniors are making up 17% of the hosts on Airbnb which they say is helping them save for their retirement and holidays by renting out their spare rooms to travellers. Check out the article here! https://www.news.com.au///1477d2497a7a5844151aed2c47de5a89 news.com.au #retirement #savings #savvyseniors #airbnb #savvysavers

18.01.2022 Turned into a Fruit Shop today - for the filming of movie ROAD TO BOSTON, true story of Korean athlete Duh Yun-bok's win at the 1947 Boston marathon.

17.01.2022 Is it time to ask for a raise? If you’ve been thinking about asking your boss for a raise but not sure where to start or how to go about it then you should check out this article from Moneyandlife https://www.moneyandlife.com.au/work-sa/time-next-pay-rise/ which will help you figure out your next step. #moneyandlife #payrise #howtoaskforapayrise #financialplanner

17.01.2022 This great little article has some quick tips to help you get motivated to pay your mortgage off faster. There are many advantages to get the debt down and live mortgage free, check it out here: https://www.moneyandlife.com.au//get-the-mortgage-monkey-/

16.01.2022 It’s been a double whammy for this Wendouree family with first a house fire and then the night following the fire a burglar has run off with their valuables (this happens frequently, sadly). We really feel for this family and hope that if anyone does know anything about the burglary that they are brave enough to come forward. It’s unknown whether the family had insurance to cover these totally unexpected circumstances. theCourier https://www.thecourier.com.au//kicked-when-they-are-down-/

16.01.2022 Getting ahead financially does not have to be as hard as it sounds, sometimes it’s the simple tricks that help, why not check out this article from Money & Life to see what changes you can make to get ahead. https://www.moneyandlife.com.au//living-good-life-20s-30s/ Credit: Moneyandlife ... #financialdrems #financialadvice #financialguidance #financialplans #financialadvisor

13.01.2022 Just how big of a problem is debt in Australia? According to Finder, having debt in Australia is very common. In fact we are 4th in the world for having debt. However most of the debt Australians carry can be attributed to home mortgages or investment properties, check out some of the other reasons why we have so much debt here: https://www.moneyandlife.com.au//debt-just-how-big-a-prob/ If you find yourself struggling with debt you can book in with one of our financial plan...ners today to help you find a way forward. (03) 5331 1063 #debtinaustralia #creditcarddebt #mortgagedebt #financialplanner

13.01.2022 We had a special visitor this week, the Easter Bunny came into the office to check up on his insurance solution and get his yearly insurance health check done to make sure he’s still got the right coverage for his chocolate egg business. It’s always exciting when we get celebrity client visits. If you’re due for your insurance check feel free to give us a call and get up to speed too. We will be closed from 5pm today and reopen again on Tuesday 9am, have a great break!... #happyeaster #happyholidays

10.01.2022 Do you have your head around some of the most important day-to-day financial activities? Take the short quiz here to find out here: https://www.moneyandlife.com.au//gro/got-financial-smarts/ #finances #creditcards #financialplanning #financialadvice #debtmanagement #savings

09.01.2022 **Attention certifiers, surveyors and building professionals** The Insurance Council of Australia has warned that following symptomatic building issues (like flammable cladding), professional indemnity (PI) insurance costs will continue to rise, reflecting the risks involved. We will work to keep you up to date with any new information, but for now the best advice is to begin any insurance renewals as early as possible, and provide any additional risk management information that you can to give you the best chance of a competitive insurance solution. https://www.insurancenews.com.au//sydney-tower-evacuation- #ProfessionalIndemnity #PI #Builders #Surveyors #Insurance #InsuranceBroker

08.01.2022 Who is responsible for a cancelled flight the airline or your travel insurance? It’s not always clear cut, but the ACCC Consumer Rights recently found that ‘no matter how cheap the fares are, airlines cannot make blanket statements to consumers that flights are non-refundable.’ If a flight is cancelled or significantly delayed, passengers may be entitled to a refund under the consumer guarantees, which give consumers a right to a remedy if services are not supplied within a... reasonable time. The ACCC has prepared a helpful page with information about your rights when it comes to flight delays and cancellations (below). But there are situations where the airline isn’t obligated to refund you or cover costs (often where it’s out of the airline’s control such as bad weather), and typically that’s where travel insurance comes in. Talk to us about your travel plans to make sure you’ve got the right protection in place. #TravelInsurance #CancelledFlight #DelayedFlight https://www.accc.gov.au//healt/flight-delays-cancellations

07.01.2022 A new scam going around is threatening to publish explicit content of you to your family and friends if you don’t give the scammers bitcoin or cyber currency. This is a scam designed to scare you due to a data breach using passwords, and is exactly a reason you should protect your business with cyber insurance and put in place risk mitigation to prevent your data from getting sold to scam companies like this. https://www.insurancebusinessmag.com//how-cyber-insurance- #cyberinsurance #scamalert #scammers #onlinescammers #databreach

07.01.2022 Don’t get a serious case of avoidance when it comes to paying back your debt. Here’s some easy tips you can use help manage your financial responsibilities: https://www.moneyandlife.com.au//dealing-debt-finding-sma/ #debtmanagement #debtavoidance #financialplanner Credit: Moneyandlife

06.01.2022 Here’s a story of what NOT to do. In case you’re trying to cheat the insurance system to get ahead financially perhaps think again. This insurance broker now has to pay back $370,000 of insurance payouts he wrongfully received. Read the full article here: https://www.qt.com.au//too-sick-to-work-insurance/3727888/

05.01.2022 Coming up with ideas to make more money or increase your income to help you save for your financial goals can be tough. Here’s one smart woman who joined the ride sharing app Shebah as a driver and earnt an extra $32,000 in a year while holding down a full time job. Read the story here: https://au.finance.yahoo.com//melbourne-woman-made-32000-d Yahoo If you’re looking for ways to increase your income or cut down on expenses feel free to give us a call today for a free chat about your financial goals (03) 5331 1063 #financialbroker #finance #financialplanner

02.01.2022 In case you missed it, our own Aaron Gocs was on The Project representing the iconic #mullet. First appearance about 47 seconds in. You. Are. Welcome. https://10daily.com.au//the-mullet-is-back-and-more-beauti #Businessinfront #Partyintheback #ShortLong #Ballarat

01.01.2022 Are you thinking about making some big money moves? Everything from budgeting to overcoming fear, here’s the 411 on how you can better prepare yourself. https://www.moneyandlife.com.au//the-skills-you-need-for-/ Moneyandlife #moneyandlife #moneyhacks #bigticketpurchase #newhomepurchase #financiallysavvy