Getting more done with fewer interruptions

Getting more done with fewer interruptions Learn how multi-tasking affects your productivity, and not in the positive ways you might think.  So you think you’re pretty good at multi-tasking? Well, research[1] tells us we’re not – in fact we’re awful at it! And, according to Dr Julia Irwin, Senior Lecturer in Psychology at Macquarie University who specialises in cognitive behaviour, we can’t perform multiple tasks with the same level of skill as when we perform …

Diversifying inside super

Diversifying inside super Find out what it is, how it works and why it matters to you What is diversification? Diversification is a risk strategy that lets you ride the ups and downs of investing. It reduces your exposure to risk, so your investments won’t be as affected by fluctuations in markets. How do you diversify? Investment diversification can be achieved by choosing a mix of: asset classes (cash, fixed interest, bonds, property and shares) …

5 ways to make your life more simple

  5 ways to make your life more simple Time passes by so quickly that sometimes before we can cross the first item off our to-do list we’ve already added another. Here are some easy steps you can take to help simplify your life. If managing life’s everyday complexities only seem achievable when you’re daydreaming about the chef, cleaner, personal assistant or nanny that you don’t have, you’re probably not alone. And, if ‘turbulent’ is …

Not without my smartphone

Not without my smartphone The nation’s fixation with logging on has people glancing at their devices more than 440 million times a day. Digital devices in Australia have not only changed the way we communicate, but how we socialise, plan, work, transact, access information and entertain ourselves—not to mention, multi-task! The advancement of digital technology has also given rise to improvements in education, personal development and, in some ways, reduced our impact on the environment, …

Would you caravan?

Would you caravan? If you’re thinking about taking the family on a great Aussie adventure or perhaps considering buying a caravan to see out your golden years, read on to find out what you need to know. Did you know that 85% of Australians have been either caravanning or camping at least once in their life?1 And 73% of buyers cite ‘seeing more of Australia’ as their main reason to caravan? But it’s not just …

Growing your wealth

Growing your wealth What is gearing? In simple terms, gearing is borrowing money to invest. The investment could be in direct shares or managed investments, such as an equity trust, balanced fund or property. Gearing is, in essence, directed towards producing a larger investment return by using borrowed funds, often in addition to your own funds, so that financial goals can be achieved more quickly. Gearing can be used as part of the overall investment …

Managing your money

Managing your money What is a budget? A budget is a plan that works out how you will manage your income and expenses. Maintaining a budget is a powerful way to control your money. Do you need a budget? A budget allows you to see how much money is coming in and going out. It helps you ensure there is enough money to cover your expenses and is an effective way to make sure you …

Government support in retirement

  Government support in retirement What is the Age Pension? The purpose of the Age Pension is to make sure you have enough income in retirement. It is a fortnightly payment made by the government to help you meet the cost of living, if your retirement savings are below a certain level….     Read More>>>   Download the free PDF file You may also like Role-reversal: When parents are relying on you Role-reversal: When parents are …

Five money habits for a happy financial year

Five money habits for a happy financial year As you say goodbye to the 2015/16 financial year, it’s a good time to put new habits for success in place for the coming year. Here are our five tips to help you make a success of the coming year as you put your tax affairs in order and say goodbye to the 2015/16 financial year. 1. Set your goals Setting achievable goals and making a commitment …

Distributing your assets

Distributing your assets What is estate planning? Estate planning is about wealth succession – a way to help protect the wealth you have built over your lifetime, so that it is distributed according to your wishes following your death…. Read More>>>   Download the free PDF file You may also like Money mistakes people make in their 50s and 60s Money mistakes people make in their 50s and 60sAvoid these common money traps to make sure …