Qualifying for the Commonwealth Seniors Health Card

By admin • August 31st, 2018
The Commonwealth Seniors Health Card (CSHC) provides eligible self- funded retirees and workers over pension age with concessions on prescription medicines and a range of other benefits, such as: • Bulk-billed doctor appointments (at the doctor’s discretion). • Lower PBS Safety Net threshold. • Concessions on health, transport and education costs provided by state governments. […]

The role of estate planning in super

By admin • August 31st, 2018
If you are thinking that a so called ‘Self-Managed’ superannuation fund (SMSF) might be suitable for you, one of the critical areas to address in the set-up phase is how your super account balance will be handled when you’re no longer here. We have outlined below some points that must be part of your estate […]

Default insurance cover

By admin • August 31st, 2018
Many Australians have default Life Insurance and Income Protection in their work super fund. This is probably an Industry super fund such as Cbus, Hesta or Care for example. Perhaps many even realise they have this cover, but I’d suggest not many realise the differences in the quality of the cover when it comes to […]

5 Step superannuation check

By admin • August 31st, 2018
Since you can’t access your superannuation until you reach a “Condition of release” which is for most people is retirement and that may be a long way off for some – it’s something many people tend to “set and forget”. However, to ensure you have a comfortable retirement, investing in superannuation is virtually essential. We […]

Longevity in financial planning

By admin • August 31st, 2018
Everything we do has a time frame. Whether it’s when we want to wake up or decide to take a holiday, our everyday decisions often involve time. It’s no surprise that ‘time’ is one of the most used words in every language. We understand and use time concepts ‘all the time’, from a very early […]

DIY Insurance – will it work for you?

By admin • May 30th, 2017
DIY Insurance – will it work for you? Research showing that Australians are underinsured, has prompted insurance companies to advertise simple insurance solutions on television. But are these quick and easy plans suitable for your family? A study commissioned by the Investment and Financial Services Association (IFSA) found that only 4% of the population with dependent children was adequately insured. Another survey undertaken […]

Aged care – how will it affect your family?

By admin • May 30th, 2017
As older Australians make up a larger portion of our population, affordable and reliable care options for our seniors become paramount to more families. Naturally, when investigating options for an elderly person, finding the right level of care is crucial, as is anticipating future care requirements and planning ahead. Given a choice, most people would […]

Are falls in interest rates good or bad for homebuyers?

By admin • May 30th, 2017
Are falls in interest rates good or bad for homebuyers? A fall in interest rates is usually greeted with delight by homebuyers. The lower the interest rate the less the mortgage repayments on a particular house, right? Well, maybe. However, lower interest rates also mean borrowers can service a bigger loan. In a competitive housing market that can push up prices. So, what’s really going […]