Do you know enough to decide which products/insurances/payments are necessary to buy?  Do any of us? Today I have a couple of tips to help you.   I have spent a lot of my life being advised by people that are a long way from being impartial or intelligent about anything. In order to advise you on any financial product, the person advising MUST BE a Registered Financial Adviser.  I am a Registered Financial Adviser and my business is a Registered Financial Advice Provider.   This blog is not meant to be Individual Financial Advice but more to let you know some of the lessons I have learnt from a lifetime of experience.  A lifetime of being ripped off and led down all sorts of pathways that I should never have gone down. One of many little gems I have learnt is:  People who advise you are one of two things: Someone who has no idea, but doesn't want to admit to it.  (Friends, family, people at a barbeque or the pub just chatting) Someone ...