Plan for the unexpected now
One of the joys in life is that we don’t know what will happen next. Most of us have positive expectations but sometimes life doesn’t follow our lead and we’re dealt a blow. It’s how we manage each experience –…
Getting serious about your financial future – Starting out
So you’ve seen the light. The days of partying and wasting money are behind you. Maybe you’ve settled into a relationship, or maybe you’re just feeling like it’s time to be a little more financially responsible – but where to…
Is it a good idea to hold your insurance cover in your superannuation fund?
With the ability to hold Life, TPD and Income insurance cover within superannuation, is it actually a good idea? Life and total and permanent disability (TPD) cover Many super funds provide insurance that pays a lump sum if you die…
Investment Bonds – The Pros and Cons
You may have heard of Investment Bonds (also known as Insurance Bonds) as a long term tax effective investment, but what are they and what are the pros and cons? What are Investment Bonds? Investment bonds are “tax paid” investment…
Income Insurance may not be what it seems – by Steve May
A segment on a popular beakfast TV show caught my eye this morning. In it, the “money expert” was explaining that Income Protection insurance might not be worth having because it doesn’t provide cover if a person loses their job…
Life Insurance in Brief
Most Australians make sure they have their houses, cars and boats adequately insured, but not their incomes and their lives. Yet more homes are lost due to death or disability than due to fire. It’s important to put in place…
MoneySmart Is A Good Place To Start
A huge barrier to people getting ahead with their money is financial literacy – in other words the understanding of concepts, investments and strategies. By nature, people are less inclined to do something if they don’t understand it. When it…
It’s OK, I’m Insured Through My Super Fund
Personal risk insurance such as Life, Total and Permanent Disability, Income Protection and Trauma insurance are all important. In the event of death or disability, these types of insurance can ensure that financial turmoil isn’t added to the emotional stress…
Would You Bet Your House On It?
Accountants, Financial Controllers and Business Owners should be the busiest people in Australia this week. Budgets, tax receipts, reports and last minute tax deductible purchases all taking centre stage as the financial year ends. But spare a thought for one…
Be Careful You Don’t Lose Life Insurance You Actually Need | Post by Steve May
If you haven’t yet heard, there are some superannuation legislation changes coming in to force from 1 July 2019. They’re called the Protecting your Super reforms and in most cases they will have a positive impact. For instance, fees on…
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