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Keeping records for property
January 20, 2025Debt Advice & Mortgages
Which records to keep for your property so you can work out CGT when you sell it. Property records you should keep For your property, you should keep records of: your acquisition of the property and related expenses, such as purchase contract stamp duty legal fees settlement statement survey and valuation fees your disposal of...Read More
Three simple steps for financial wellness
January 13, 2025Financial Planning
If money’s too tight to mention, here’s some small steps that can make a big difference in achieving your financial goals. How would you rate your level of financial wellness? Do you think you’re in a good position to meet your immediate and near-term financial obligations? What about your long-term goals? They’re tough questions, asked...Read More
Releasing the value in your home
January 13, 2025Debt Advice & Mortgages
Rising property prices have led many people to look for ways to unlock the increased equity in their homes so they enjoy a comfortable lifestyle in their golden years. For most of us, our homes represent the biggest or most significant portion of our wealth. But it’s an asset that can’t necessarily be realised quickly....Read More
It’s super hump month. Make the most of it
January 13, 2025Superannuation
Six ways to get more money into your superannuation fund. The start of the 2024-25 financial year on 1 July saw some significant changes come through designed to help working Australians get more money into their superannuation. Fundamentally they involved increases to the statutory amounts individuals can contribute into their super every financial year. The...Read More
Term deposits
January 7, 2025Financial Planning
Term deposits let you invest for a set amount of time and get a fixed interest rate. They can be useful when saving for bigger items like a car or investing when you want to be certain about the interest you’ll earn. If you want to save but might need quick access to your money,...Read More
CGT when selling your rental property
January 7, 2025Debt Advice & Mortgages
How capital gains or losses apply When you sell or dispose of a rental property you may make a capital gain or loss. A capital gain or loss is the difference between what it cost you to obtain and improve the property (the cost base) and the amount you receive when you dispose of it....Read More
The lowdown on negative gearing
January 7, 2025Debt Advice & Mortgages
Recently, negative gearing has been making waves in the news and with rental affordability becoming a serious issue in Australia, various political parties have weighed in. While some argue that it’s a vital tool for encouraging investment in housing and fixing the housing crisis, others believe it fuels property price increases, contributing to housing affordability...Read More
Retirement income
January 7, 2025Retirement Planning
Retirement means different things to everyone. It may be a definite point in time when you stop work, and begin a new phase of life. Or it may be a gradual process where you vary working hours as your priorities shift. You might decide to leave employment and return to part-time work later. How much...Read More
Consider the expenses involved in refinancing If you’re debating whether to refinance your home loan, you need to think about whether the benefits of switching home loans will outweigh the costs involved. There are a number of expenses to consider, including charges and fees from your current lender (and from your new lender if you’re...Read More
Measuring up the price of shares
January 7, 2025Wealth Creation
Analysts have many financial measures to value companies. Here’s a brief overview. Share market investment analysts thrive on numbers. So, when you read reports about markets or specific companies being “overvalued” or “undervalued”, you can generally assume there’s been a fair bit of analytical number crunching going on behind the scenes. But how do investment...Read More