Your Tax file number (TFN) is one of those things that everyone seems to ask you for, and for good reason. This is because your TFN ensures that any tax you are required to pay is aligned with your earnings…
I often speak with people who are buying property, be it first home owners, first time investment property buyers, or seasoned investors. In just about all cases they are borrowing money to complete their purchase, and thus taking on more…
Insurance coverage has been getting plenty of air play and column inches over the past week or two, mainly due to the Hayne royal commission and the poor behaviour from some of the industry participants. Insurance can be as complicated…
An acquaintance of mine recently told me how they’d taken out some low cost life insurance through one of those insurers you see advertising heavily on TV these days. Cheap and easy he said. He’s 40 years old and picked…
Income protection insurance is essential for anyone who would suffer financially if they could not earn income from working. This includes single people whose own lifestyle depends on their income, as well as people who have financial dependants, such as…
I strongly believe that my clients and their families should hold suitable personal insurances such as Death cover, Income Protection insurance and Critical Illness insurance. I’ve seen first hand the financial and emotional consequences of death, injury or illness. One…
It’s not unusual that life can be smooth sailing one minute and throw a curveball your way the next. You might be struck down with an injury or illness, a reduction in income or redundancy, a separation from your partner, or…
We’re designed to believe bad things won’t happen but it pays to think about the bigger picture and put plans in place ahead of time. Behavioural science reveals that it’s in our nature to believe bad things won’t happen to us in…
If your life or income insurance policy’s lapse, you may face more challenges than being unable to claim when you need to. If you let your insurance lapse, you may be in for a surprise down the track. Because letting your cover…
Joy and surprises For most couples, the birth of their first child means surprise, anticipation, awe — and some major financial changes. There are immediate needs such as equipping the nursery, plus day-to-day costs like nappies and clothes for a…
