Nobody likes a thief, especially if it’s your hard earned money they are stealing. Keeping your money safe can be easy when you put a few practices into place.

No one wants to consider the prospect that their home or personal possessions could suddenly be destroyed, damaged or even stolen. But imagine the heartbreak of realising you weren’t covered for the cost of rebuilding or replacing treasured items should tragedy strike.

People often look at alternatives to a free standing house when renting and buying and there are plenty of units, town houses and villas around, so what differences do you need to be aware of?

Are you aware that if you are purchasing property with someone else there are two ways in which the property title can be held? Joint Tenancy and Tenants in Common.

The difference between the two ownership scenarios is important to understand as there are factors which determine who is responsible for the debt in the case of one party passing away.