When it comes to maximising borrowing power ahead of buying your first home, a deposit is important, but it isn’t everything. A range of factors work together to shape your borrowing power.

Income protection insurance (or salary continuance) can help you manage that income gap while you recover from illness or injury. Having such a financial safety net reduces stress on you, your family or your business. You then get to focus your energies on your recovery. Find out more here.

The sharing economy is all about exchanging goods and services on a peer-to-peer basis. It’s a win-win for everyone with cheap prices and a chance to fatten your wallet by pocketing extra income.

Being a business owner and managing employees can be daunting. Many people can do a decent job, though with just a little extra work they could excel. Here are some tips to help you get the most out of your employees.