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What happens to my finances if I split up with my de facto?
September 25, 2017
If you’ve recently split from your partner or simply wondering what might happen if you do, you’ll need to keep your financial wits about you as a division of assets and debts, whether they’re held separately or together, may be on the cards. Here are some of the things to be aware of when it...Read More
Salary sacrificing super
September 20, 2017
If you make voluntary super contributions through a salary sacrifice agreement you should be aware of how your contributions will affect your super balance. You can agree with your employer for your voluntary contribution to be in addition to your employer’s compulsory super contribution. If you are deciding whether you should salary sacrifice some of...Read More
Can I afford to have fun in retirement?
September 18, 2017
If you’re in or approaching retirement, you may be prioritising things such as living costs, utility bills, health care and even helping the kids out with their future financial goals. With many Australians looking at a retirement of 30 years or more, another thing to give some thought to is keeping some money aside for your own...Read More
Ways to save money without spoiling your social life
September 11, 2017
If you can make your money go the distance, pay day can be a wonderful thing. However, if it means that 48 hours from now you’re likely to be scrounging for shrapnel wondering how you’re going to pay bills and eat for the next fortnight – you might want to rethink how you’re managing your...Read More
Going back to work after having a baby
September 8, 2017
Combining work commitments with family responsibilities can be something of a balancing act. We look at some of the expenses you might encounter as well as some of the financial benefits. The cost of childcare For most parents, the first thing that comes to mind when contemplating returning to work after having a child is...Read More
5 ways to make your gap year attractive to employers
September 4, 2017
Whether your gap year is made up of work, study, travel, volunteering, or all of the above, more than four in five people who’ve taken a gap year believe they’re more employable because of it.1 In fact, recruiters have also recognised that ‘constructive’ gap years can help people stand out from the crowd when it comes...Read More
Should you downsize?
August 30, 2017
By the time you are considering retirement, it is likely that you will have substantial equity in your home. You may even own your house outright. Selling the family home is one way to free up cash for retirement. The money you receive can be invested in shares, term deposits, managed funds or superannuation. The...Read More
Is your SMSF retirement-ready?
August 21, 2017
A landmark stage in the life of a self-managed super fund is when at least one of its members moves from the accumulation phase to retirement phase. SMSFs often have members in the accumulation and pension phases. And typical two-person funds have both members retiring within a short time of each other – if not...Read More
Is the outside of your property turning buyers off?
August 7, 2017
Are you in the process of selling your home or thinking about it in the not too distant future? Perhaps you need a change of scenery, more space for a growing family, less space if the kids are grown up and living out of home, or maybe there are financial or health considerations at...Read More
Making the most of flying solo in retirement
August 2, 2017
Getting out and about is important in retirement, especially when you lose the social aspect of working. But what if there’s just you, and it means going to the theatre alone, dining at a table for one or travelling solo? Society tells us these types of activities can only be enjoyed with a companion. But...Read More