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Working hard for the money
January 5, 2016
There are a variety of avenues in which you can bolster your future earnings potential, but if you’re considering investing in yourself through further education, here’s some food for thought. Do I need a tertiary education? The first thing to ask yourself is – does the field you want to enter require tertiary qualifications. If...Read More
Hats off to working parents!
December 7, 2015
According to the Australian Institute of Family Studies, the number of parents who work is far greater than a few decades ago. Not so long ago in 1983, the number of parents who both worked full time was just 17%. The most recent Australian Census shows that in 2009 it had increased to 25%1. Given...Read More
Will my kids ever leave home?
December 7, 2015
If you were expecting to have the house to yourself once your kids reached a certain age, you may have to adjust your expectations. Because for Generation Y—or millenials as they’re often called—moving out is not the rite-of-passage it once was. In 2011, around 29% of young adults aged 18-34 years lived without a partner...Read More
What exactly is income protection insurance and do I need it?
December 7, 2015
For some people, income protection insurance might be the answer. So what is income protection insurance? Income protection insurance (or temporary incapacity or salary continuance insurance) provides cover if you can’t work due to illness or injury. It generally pays up to 75% of your monthly income for your chosen benefit period to help you...Read More
Diversifying inside super
November 16, 2015
What is diversification? Diversification is a risk strategy that lets you ride the ups and downs of investing. It reduces your exposure to risk, so your investments won’t be as affected by fluctuations in markets. How do you diversify? Investment diversification can be achieved by choosing a mix of: asset classes (cash, fixed interest, bonds,...Read More
Get ready for the first year of retirement
November 9, 2015
Will you be a honeymooner, a go-getter or a relaxer? The first year of retirement is one of transition in which you will need to adjust to major changes that can bring big rewards. Some of the changes may include preparing mentally for the shift to not working full-time, adjusting to not getting a regular...Read More
Is your growing family stretching your budget?
October 21, 2015
Growing your family can be one of life’s greatest joys, but if you already have one or two children, you’ll understand that raising kids can be costly. To cope financially with having more kids you’ll need to balance your income with the increasing expenses. Take a long-term view When you understand the costs additional children...Read More
Why paying off your credit cards is not enough
October 2, 2015
Getting your mortgage application together can require quite a bit of financial scrutiny. In order to figure out your serviceability, your potential lender will look deeply into your finances. It’s a no brainer to take your credit card debts into consideration when applying for a mortgage. But what many people do not realise is that...Read More
If you’ve always thought property prices only go up…
September 25, 2015
With so much emphasis on property in the media, it can be difficult to sort fact from fiction. But before investing in any type of asset―including property―it pays to consider the pros and cons, and any commonly held misconceptions. Here we bust 3 property myths. Myth 1: Prices always go up Believing that property always...Read More
Who’ll get the super money if you break-up?
September 8, 2015
The end of a relationship may be something you never imagined would happen. And while separating from a partner can be emotionally overwhelming, it’s important at a time like this to keep your financial wits about you. A divorce can have a lasting impact on your financial position. For example, there’s a tendency for people...Read More