DEBT MANAGEMENT
Tap and go – is it too easy to use our credit cards?
Talk about hammering the plastic. In November 2016 Australia’s 16.7 million credit card accounts were used to make 226 million transactions with a total value of $27.8 billion. We are […]
Super or the mortgage – a case study
Many people wait until their home loan is paid off before investing more in super. However, if you are currently making more than the minimum home loan repayments, you may […]
Offset accounts: A better way to manage your mortgage
If you want to repay your mortgage quickly and still have easy access to your additional repayments, an offset account may be worth using. What is an offset account? An […]
7 ways to de-stress a mortgage
“Don’t sail out farther than you can row back.” This Danish saying is sound advice for anyone thinking of borrowing to buy a home, particularly now that interest rates are […]
A tale of two retirements – which would you choose?
Sam and Sally Smith have worked hard all their lives, paid their taxes and, now they have retired, they feel they are entitled to a full age pension. Jan and […]
What is an annuity?
The term ‘annuity’ is often mentioned in the financial press or TV advertising, but what actually are annuities and how do they work in practice? The word annuity itself originates […]
Should I refinance my mortgage?
Refinancing a mortgage can be daunting. Fees Fixed versus variable interest rates Monthly charges These all need to be considered. The right refinanced loan could help you: pay off your […]
Inflation-proofing your retirement
Without the benefit of a crystal ball, it’s impossible to determine exactly how much one person will need to meet their individual retirement needs. We often hear that we’re living […]
The best ways to maximise your rewards points
Credit card reward points, most of us have access to them but how do we get the best use out of them? The answer is NOT to spend more on […]
Many oil and gas workers still struggling despite the boom
The work life of an oil and gas worker isn’t for everyone: 12 hour days on a platform in the middle of an ocean with nights spent in confined, shared […]
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