Category Archives: Financial Services

What Should You Consider When Choosing a Funeral Home/Provider?

One of the most widely used criteria for selecting a funeral home is the closeness to home, services provided to the family in the past or recommendations from trusted friends. Although all these are good starting points when selecting a funeral home during this distressing period, you are likely to limit yourself in terms of services and goods. Such limitation could also have a big impact on your funeral budget. However, choosing Sydney funeral homes based on the following factors will offer you greater options.

Products and Services

Some of the funeral services that ought to be considered for a cremation, full or traditional burial include:

  • The basic service fee for the staff as well as a funeral director
  • Body pickup
  • Embalming
  • Appropriate preparation of the body
  • The coffin, casket options available
  • The availability of viewing or visitation facilities and staff
  • Availability of staff and facilities for a memorial or funeral service
  • Equipment and staff for the graveside service
  • Hearse options available
  • Forwarding/receiving body procedures to or from another funeral provider or home

Comparison Shopping for Sydney Funeral Homes

Perhaps, one of the best advice to consider, as you shop for funeral homes, is to do comparison shopping. This tactic is especially helpful if you can carry out the process on a pre-need position. In most cases, when you call a funeral services provider in Sydney, they will provide itemized costs of their services and products. However, if you decide to go in person to the funeral homes, ensure that you bring along a friend to help you ask questions about the options available. Your friend will also be a great help when it comes to making decisions. One of the easiest ways to do comparison-shopping is over the phone after you have prepared a series of questions you feel require answering.

During the initial price comparisons, check whether the funeral home provides special packages. These special packages, in most cases, cost much less than buying individual services or items. However, such packages are also likely to bring with them services or items you feel are not important. Every funeral home you call should be in a position to provide you with an itemized price list. Remember, compare the total price of items with the cost of single package items.

Pre-Need Options

A growing number of individuals now prefer to plan their own funerals in order to relieve the stress on their families. A few business services may allow for advance payments. A great option is to make the decision on the arrangement early, keeping the entire family in the know, but never paying in advance. Not paying in advance helps your family avoid having to deal with businesses that have either changed ownership or closed. In addition, prices are likely to go up in the future.

Academy Funeral Services understands the need to provide grieving families from all facets of life a decent burial. The directors and staff at Academy Funeral Services are always willing to help you make the decision process as comfortable and smooth as possible. As one of the full-service Sydney funeral homes, the company is dedicated to helping your family transition by becoming a partner in the bereavement process.

Why Your Credit File Information Should Be Accurate

As it is, making investments using a consumer’s earnings is quite difficult. Even people with six figure salaries often admit doing certain things like building a house or buying a car without a loan is next to impossible. Of course someone may argue that a person can save to make a huge purchase. But come to think of it, how long does it take to save enough to buy a house that costs plenty, or own that state of the art car? Yet before giving out a loan, lenders will check the consumer’s credit file information.

credit file information

Credit file information is therefore useful in a number of aspects. Apart from it being instrumental during loan applications, it also helps individuals to make life impacting decisions that could go a long way in determining quality of life. For this reason, it is imperative to find out whatever is contained in the credit file not only to know one’s worth when applying for credit, but to be armed with sufficient info concerning finances.

What is contained in the credit report?

  • It contains credit histories that lenders including banks, utility companies and many more use during loan applications. As it is, most people often seek lending when intending to go for further studies, acquire credit cards, buy homes and cars. Since financial institutions need to know the people they are dealing with, the first procedure is always to have a glimpse at an applicant’s credit file information.
  • Personal details like the day someone was born, account information, residential address, gender and employer information.
  • Repayment history. In case an individual had declared bankruptcy earlier, it gets reflected on the credit report. That is why debt mediators often advice consumers to be aware of declaring bankruptcy pros and cons before taking the leap. The repercussions of bankruptcy are long lasting and may have far reaching effects on an individual if it is done hastily.
  • Public information like directorship details, proprietorship information, debt agreements and court judgments are included in the credit report.
  • Commercial and financial associates. In case a consumer has joint ventures with others, whether business or family associates, all that is included in the credit report.
  • Credit Score report. Some people are unaware of their credit ratings since very few people ever make enquiries. A consumer can obtain a free credit score report from a credit reporting agency like Eqifax or Experian, scrutinize it for any anomalies and then raise a dispute if it is not satisfactory.

Credit Score Report

In case anomalies are in the credit report, options are available to consumers like creating an online account to raise a complaint. Another way of handling the matter is by contacting other credit reporting companies to make comparisons.

Remember if the credit report has negative information that is inaccurate, it can greatly affect one’s ability to obtain lending. It is therefore important to have any inaccuracies sorted out as soon as is sanely possible.

In case the report is available but has a bad credit rating, it pays to mend it soon as well. Reach out to reliable debt mediators with years of experience in mending bad credit histories. They are likely to give consumers tips on how to repair bad credit history in order to access readily lending.