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Should I buy insurance through my super?
November 6, 2023Insurance
While we all hope for good health, the reality is that some of us may struggle at times with sickness or injury. And that may affect your family’s financial wellbeing. Different types of life insurance or personal insurance can provide an income when you’re unable earn, or a lump sum to protect your loved ones...Read More
Credit scores and credit reports
October 30, 2023Debt Management & Budgeting
Lenders use your credit score (or credit rating) to decide whether to give you credit or lend you money. Knowing this can help you negotiate better deals, or understand why a lender rejected you. Your credit score is based on personal and financial information about you that's kept in your credit report. You can access...Read More
Why invest in property? What makes this such a popular option? You can earn rental income plus benefit from capital growth. What’s different for investors vs. homeowners? Stamp duty If you’re an investor you’ll also pay stamp duty, which varies, depending on your state. This is based on your property’s purchase price and is often...Read More
Rising levels of debt and finding ways to manage it is a concern for many of our clients. For some, it’s aiming to improve their credit score when applying for a mortgage or government home ownership scheme. For others, it's being able to cover rising mortgage repayments or unexpected expenses. Fortunately, there are a number...Read More
Unauthorised and mistaken transactions
October 17, 2023Uncategorized
If you find a transaction in your account that you don't recognise, it could be unauthorised or mistaken. If you think something is wrong, contact your bank as soon as possible. Signs of unauthorised and mistaken transactions An unauthorised transaction is when someone transfers money from your account without your permission. A mistaken transaction is...Read More
How the Aussie dollar moves your investments
October 17, 2023Financial Planning
It has been a wild ride for the Australian dollar since the Covid-19 pandemic struck and that could mean good news or bad news for your investment portfolio. In March 2020 the Aussie dipped below US58 cents for the first time in a decade. Since then, a high of just over US77 cents in 2021...Read More
One of the biggest challenges first home buyers face at present is saving for a decent deposit. While there are definitely some advantages to buying as a couple compared to on your own, pooling your savings for a deposit can put a strain on even the most solid relationship. So here are some tips to...Read More
Salary sacrifice – no sacrifice at all
October 9, 2023Superannuation
What is a salary sacrifice arrangement? Salary sacrifice is an agreement with your employer to contribute a certain amount of your pre-tax salary or potential bonus into your super. The aim is to potentially reduce your tax and boost your super balance at the same time. The word sacrifice doesn’t really make this strategy sound...Read More
Prepare to retire
October 3, 2023Retirement Planning
Preparing to retire is emotional and practical. Making a retirement plan can help you manage your finances, and cope better as your life and priorities change. Make a retirement plan Your retirement plan can be simple or detailed. Include: Timing — when you want to retire. This could change, but it's good to have a...Read More
Step one: what are your financial pain points? When you start making plans, chances are you’ll both come across financial pain points. In other words, the areas that need some attention and possible alterations. These might include: post-wedding or honeymoon debts different earning capacities different savings goals different spending habits disagreements you’ve had in the...Read More