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Ian Carpenter

Ian has a degree in Business Studies, and is a Graduate Member of the Institute of Credit Management. He covers all topics relating to personal finance, credit and identity fraud.

Ian is Head of Operations at checkmyfile

Articles Recently Posted by Ian Carpenter

Tenth of Australians fear that they will die in debt

If you are worried about debt now, hope that you are not one of the 10% of Australians that fear they’ll still owe money when they die.

A Finder survey of more than 1,000 Australians finds that more than half owed money on a variety of debt including mortgages, credit cards, mobile phones and loans.

And according to the Australian Prudential Regulation Authority, it’s not just that we owe money, it’s that the amount is rocketing. Debt owed for credit card and loans has increased by $2bn in the last year, up to $109bn in July. More than $1.37 trillion was also owed on mortgages.

It is the youngest in society who appear to be the most pessimistic about paying off debt, with 12.5% believing that they will never say goodb .....

19 Oct 2015 by

Ian Carpenter

 in 

Dealing with Debt

Full Article

Launch of Apple Pay stalls

Apple Pay launched last year in the US and last month in the UK, but bringing it to Australia is proving to be more of a headache than the technology giant might have hoped.

The technology behind Apple Pay has not previously been widely used in the US and the UK, but with some Australian banks having offered similar services for a while, Apple aren’t offering as much value to the consumer as they have in other countries. Apple Pay allows customers to use a tap-and-go terminal to pay for items, using iPhones or AppleWatch.

Australia’s largest banks earn in the region of $2bn a year in interchange fees, which are paid by merchants. Apple Pay is likely to take a chunk of this income from the banks. If Apple gets what it already .....

28 Sep 2015 by

Ian Carpenter

 in 

Personal Finance

Full Article

Typical Australian in $378,695 of debt

Once home loans, credit cards and personal loans are taken into account, the average Aussie owes more than $378,695. So how much are we paying each month?

1 Aug 2015 by

Ian Carpenter

 in 

Dealing with Debt

Full Article

74pc of renters don’t insure their contents

If you rent it is likely that you won’t insure the contents of your home. But what if you lose it all, or even just some of it?

9 Jul 2015 by

Ian Carpenter

 in 

Personal Finance

Full Article

Treasury to investigate credit card rates

Interest rates are falling but credit card rates remain the same. The Federal Treasury have announced an investigation into the widening gap between the rates

5 Jun 2015 by

Ian Carpenter

 in 

Banking

Full Article

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