4 Things You Should Know Before You Start Budgeting With the end of the year nearing, it is almost time up for the New Year resolutions. Most people have either already made their New Year resolutions or are in the process of making or finalizing them. If you have made a resolution for this New Year that you are going to budget your expenses better this year, well then you are in luck. This blog …
Love and money – safeguarding relationships Are you or your partner making sneaky ATM trips? Engaging in late-night online banking sessions? If so, you – or they – could be guilty of ‘financial infidelity’. Forget sex, religion or politics, the experts all agree that money is the most common cause of relationship tension. “We think about relationship compatibility from just about every angle except money, yet finances are a top cause of divorce. Many people …
How To Save Money For The Holiday Season In A Month Holiday season is such a wonderful time to have fun and enjoy with your family right? Say that to someone who is responsible for the expenses that come with the holiday season and they’ll add the word “stressful” in your description of the holiday season. Let’s give you a little relief and give you ways to save for the holiday season in a month. …
Why cyber security matters As technology advances and we become increasingly more connected, the risk of cyber crime and data corruption rises. Shareholders are seeking assurance that the companies they invest in are prioritising data and cyber security at a board level.Shareholders should – and are – becoming increasingly savvy to the impact data and cyber security can have on their investments. With the security risks that are presented by data collection and storage, …
Let’s talk about money When it comes to analysing the state of Australian relationships, you can forget the bedroom. The really revealing behaviour takes place behind closed bank accounts. Let’s talk about money.. It is no secret that money is often at the heart of divorce and family disputes. Money has certainly not bought love for Australia’s richest person, Gina Rinehart who is locked in a bitter court battle with her children for control of …
Insurance through my super Am I better off buying insurance through my super? What are the benefits of Insurance through my super? Get more for less It can be cost effective to buy insurance through super. That doesn’t mean you won’t find cheaper cover outside your super fund. But it’s likely you’ll be better off because tax benefits mean you could end up paying less overall and group buying power—which normally comes with insurance …
Nothing succeeds like succession planning Small business is generally regarded as the backbone of the Australian economy, but that strong back is showing signs of age. With 30 per cent of all small business owners aged on the wrong side of 55i, it is important to have a succession plan in place. Ideally, succession planning should begin when the business is formed to ensure a smooth transition if and when the need arises. But …
How to manage volatility in a low return world Responding to changing market conditions while keeping abreast of a strategy is a delicate balance. However, it’s an important skill to develop if you wish to successfully invest using a dynamic asset allocation approach. In this article, we discuss how market volatility is different to investment risk, and how you can manage your investments during market volatility while sustaining minimal long-term losses. We all know …
How Reducing Your Electricity Bill Can Save You Money Did you know that you could save additional money if you remembered to turn off the lights? It’s true, you can save money, but the trick to do it effectively is to let your family know the importance of not wasting electricity. If you want to lower your next electricity bill, follow these simple ways to reduce your bill: 1. Turn Off the Lights The most …
Honey, the kids shrunk my retirement An increasing number of Peter (and Peta) Pans are refusing to fly the coop, staying in the family home well into adulthood. It’s estimated that in the next five years, more than one million 18 to 29-year-old Australians will still be living with their parents. Put another way, nearly a third of people close to retiring will still be supporting their adult children at the end of this decade.i …
