エピソード

  • Sat, 31st Oct 2026

    Sat, 31st Oct 2026
    2026/10/30
    Paige Estritori presents the latest Financial Services Online news, focusing on policy wording, claims handling and consumer protections. A proposed rewrite of the Insurance Code could affect Australian retailers, highlighting the importance of understanding cover, exclusions and claims requirements. New claims data is prompting renewed scrutiny of insurer performance, with consumers encouraged to consider service and dispute support alongside price. Growers are advised to check how farm policies cover locust-related crop losses and to review reporting requirements. The episode also covers Australias new ban on insurers using genetic test results when assessing life insurance applications, and reminds applicants to answer questions truthfully and seek guidance if needed.
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  • Fri, 30th Oct 2026

    Fri, 30th Oct 2026
    2026/10/29
    Todays wrap examines how insurance policy wording and claims processes affect small businesses and growers facing potential losses, including crop damage from locusts. New claims data offers a useful measure of insurer performance, but consumers should look beyond headline figures to policy terms, excesses and claim requirements. In New South Wales, proposed reforms for electric vehicle chargers in strata buildings could influence installation plans, safety, access and cost-sharing. Across these issues, the advice is to understand the rules, review relevant policies and seek qualified guidance before making decisions.
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  • Thu, 29th Oct 2026

    Thu, 29th Oct 2026
    2026/10/28
    Todays wrap covers proposed NSW strata reforms that could affect how apartment owners access and pay for electric vehicle charging. Businesses considering electric trucks should weigh charging access and infrastructure costs alongside vehicle finance and operating expenses. We also examine scrutiny of broker loan recommendations, highlighting the value of asking how advice was reached, checking fees and conditions, and ensuring repayments remain manageable. Finally, we consider the trade-offs of accessing superannuation early, including the potential impact on retirement savings and investment growth. Check eligibility requirements and consider seeking qualified advice before making financial decisions.
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  • Mon, 26th Oct 2026

    Mon, 26th Oct 2026
    2026/10/26
    The Reserve Bank of Australia has raised the cash rate by 0.25 percentage points to 4.6 per cent, adding pressure to household budgets and business borrowing costs. While the cash rate doesnt directly determine every loan rate, it can affect lenders funding costs, risk assessments and variable-rate repayments. Borrowers are encouraged to compare loans by their total cost, fees and repayment terms, and consider whether they could manage further rate rises. “No credit check” claims may still involve affordability checks, and loan approval is never guaranteed. Households and small businesses should review their budgets and ensure new commitments remain affordable over the full loan term.
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  • Wed, 28th Oct 2026

    Wed, 28th Oct 2026
    2026/10/27
    The Reserve Bank of Australias September rate rise to 4.6% is renewing focus on borrowing affordability for households and small businesses. Higher rates may increase repayments on variable loans and make new loan applications harder to assess. Compare the total cost of borrowing—not just the advertised rate—and consider whether your budget could handle further increases. Loans promoted as requiring no credit check may still involve affordability assessments; review fees, repayment terms and the consequences of missed payments before applying. Small businesses can prepare by reviewing existing finance, upcoming fixed-rate expiries and cash flow. With borrowers capacity to manage debt varying widely, base decisions on your full financial position, compare alternatives and seek independent advice if needed.
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  • Tue, 27th Oct 2026

    Tue, 27th Oct 2026
    2026/10/26
    Paige Estritori reports on how Australias cash rate rise to 4.6 per cent is renewing attention on loan affordability. While the cash rate does not directly determine every loans interest rate, it can affect lender costs and borrowing assessments. Borrowers are encouraged to compare rates, fees and repayment terms, and consider whether payments would remain manageable if their circumstances change. Approval is not the only concern: even loans advertised as requiring no credit check may assess a persons ability to repay. Reviewing existing debts and contacting lenders early if repayments become difficult may help prevent arrears. Find more information on insurance, finance, superannuation and money management at financialservicesonline.com.au.
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  • Fri, 23rd Oct 2026

    Fri, 23rd Oct 2026
    2026/10/22
    On today's episode of Financial Services Online, we discuss the influence of climate change on the Australian insurance sector, as evidenced by a surge in claims following recent natural disasters, and the resulting need for premium recalibration. We also touch on potential interest rate hikes projected by the Reserve Bank, indicating a need for Australians to reassess their financial and mortgage plans. With recent changes in superannuation laws, we encourage listeners towards retirement planning, and in light of the surge in interest in Bitcoin, highlight the necessity of striking a sensible balance between risk and reward in cryptocurrency investments. Visit us at financialservicesonline.com.au for more on these topics.
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  • Thu, 22nd Oct 2026

    Thu, 22nd Oct 2026
    2026/10/22
    This episode of the Financial Services Online podcast, hosted by Paige Estritori, dives into essential news impacting the financial services sector in Australia on October 22, 2026. The Reserve Bank of Australia turns heads with a possible shift in policy to combat inflation concerns, hinting at potential changes in interest rates. Major alterations are looming in the superannuation sector as the government plans to overhaul the current rules that could provide Australians greater flexibility in managing their retirement funds. As the number of uninsured Australians hits a new high, health insurance's future is uncertain, demanding a radical renovation in the prevailing system. The podcast also highlights the Australian Securities and Investments Commission's strict measures towards flouting corporations and the ongoing fintech industry upheaval.n
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