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Alan Hartstein

Alan Hartstein

Contributing Writer and Editor Home loans, business IT, financial services and fintech

Alan Hartstein has worked in publishing for over 25 years as a writer and editor across broadsheets, tabloids, magazines, trade publications and numerous forms of digital content. Alan was initially attracted to journalism through his love of words and their ability to make an impact in the world. Alan’s main areas of expertise are in business IT, financial services and fintech, but he also thoroughly enjoys writing comedy sketches and arts-related content, which can include everything from ballet and opera reviews to TV and movies. Alan is based in Sydney, Australia.

Education: B.A. in Political Science and Government, History, English from Australian National University

Previous Experience: Sydney Morning Herald, the Australian Financial Review, the NSW Department of Treasury, the NSW Productivity Commission, Filtered Media, Think About Content, Media Express, and Penguin Australia.

The latest from Alan

What To Know About Refinancing a Home Loan

Refinancing a home loan means replacing your mortgage with another from your current or another lender, ideally at a lower interest rate with better terms.

What Is Refinancing?

Refinancing means getting a new loan to pay an older home loan or other loan or debts, usually for a lower interest rate, lower repayments and better terms. You can refinance with your current lender or a new one.

What is credit card fraud detection?

Card providers use various fraud-detection tools and security features to identify and prevent the unauthorised use of debit and credit cards.

Requesting A Chargeback On A Credit Card

A chargeback on a credit card is like a refund. You can request a chargeback by disputing a transaction on your credit card statement.

How To Dispute A Credit Card Transaction

When you dispute a transaction, you tell your credit card provider, 'I'm not paying for that,' and asking for help getting the money back.

How Thieves Obtain And Use Stolen Credit Cards

Thieves obtain stolen credit cards through frauds and scams, and then use those card details to withdraw cash, buy items to resell, and more.

Understanding Your Mortgage Amortisation Schedule

A mortgage amortisation schedule shows how you’ll pay off your home loan over time, typically monthly for up to 30 years, and how much principal and interest you’ll pay.

What is a virtual credit card?

A virtual credit card uses a randomly generated number tied to an existing account to help make digital payments more secure.

What are black and metal credit cards?

‘Black cards’ and metal credit cards are types of exclusive cards in Australia. They are prestigious options with premium benefits.

How To Choose A Business Credit Card

To choose a business credit card, assess your eligibility and needs, check for perks and rewards, and then compare offers before applying.

How to Calculate Mortgage Repayments

Learn how to calculate mortgage repayments using the principal (the amount borrowed), the interest rate and the time left on your home loan.

When Are Business Credit Cards Worth It?

Business credit cards may be worth it if you want to separate personal and business expenses or need funding to cover short-term costs.

What Is a Business Credit Card?

A business credit card is like a personal credit card but usually has a higher credit limit and specialised features, like accounting tools.

Why Consolidate Credit Card Debt?

When you consolidate credit card debt, you combine all your existing credit card debt into one monthly payment with a lower interest rate.

How To Pay Off Your Credit Card

Tricks to paying off credit cards include repaying more than the minimum, consolidating debt, using a balance transfer, and other debt relief strategies.

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