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…
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…
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…
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…
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…
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…
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…
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…
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…
Life Changing Events A read through the swathes of motivation literature will reveal that a ‘Life Changing Event’ is often the catalyst for other change in our lives. Some of these events can be positive; the birth of a child,…
