CASHFLOW AND BUDGETING

What is the pension loan scheme?

Approximately 1.8 million Australian homeowners receive some level of age pension, with around 700,000 on a part pension. What many of these part-age pensioners may not know is that, along …

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The value of financial advice when tragedy strikes – a personal story

The story below was written by one of our long-time clients Kelly Exeter who lost her husband Anthony (Ant) in a freak accident two years ago. It is rare but …

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Budgeting for baby: What you need to know

If you’re looking at starting a family, the cost of raising kids might not be your first thought. But the sooner you start budgeting and saving for your life together, …

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Can you save 1 million dollars for retirement?

One of the most common questions we’re asked as financial advisors is “How much do I need to save up before I can retire?” With so many variables involved, there …

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Joining finances with a partner – the benefits and pitfalls

If things are getting serious with your partner, is merging your finances a natural next step? Being open about money is pretty important in a successful relationship. Secret spending and …

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4 Fabulous Financial Resolutions to set you up for 2021

If you’re like us, this final week of January is a time where you’re back in the swing of work after some Christmas/New Year downtime. With kids going back to …

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How to usefully reflect on 2020

In uncertain times, it can be easy to get caught up in what ‘might’ happen and thus miss the chance to reflect on what ‘did’ happen and the lessons you …

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Do new rules for credit cards impact you?

In order to protect card users, credit card providers are subject to stringent rules. Here’s a round-up of the most recent ones that have been put in place: Credit card …

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Room to rent? Read this first

Renting out a spare room can be a great way to earn some extra cash, particularly with the help of Airbnb and similar online services. However, it’s easy to overlook …

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Are low interest rates good for home buyers?

It goes without saying that homebuyers love low-interest rates. The lower the interest rate the less the mortgage repayments on a particular house, right? Well … maybe. Lower interest rates …

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A different way to help your grandkids financially

Many grandparents want to give their grandchildren a head start in life, and a common way to do so is to help out financially by paying some (or all) of …

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Salary sacrifice vs personal contributions to super

If you are an employee, there are two ways in which you can optimise the tax effectiveness of your additional super contributions: opt for a salary sacrifice arrangement, whereby your …

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Financial literacy for our children

Financial literacy is a fundamental life tool. Teaching our kids about financial management from a young age should be a high priority as this is now recognised as an important …

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Is paying your mortgage off quicker really the best option?

Not so long ago one of the most effective, low-risk wealth creation strategies was to pay down a mortgage using spare savings, either directly or via the disciplined use of …

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Work, life, travel – you can do it all!

Travelling the world and seeing the sites is an expensive endeavour, particularly when young. This article explains how working abroad can help you live the work-life-travel dream. Michael was twenty-something …

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