Blinded by optimism We’re designed to believe bad things won’t happen but it pays to think clearly 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 the future, even if we’re accustomed to bad things occurring in the past. It may be illogical but it’s something we’re hardwired for according to the experts—it’s a phenomenon known as the human …
What’s your biggest obstacle to financial success? Science reveals how our human-hardwiring can get in the way and cost us much more than we think. As humans we have changed a lot over time. Vast periods of time have seen us adapt and evolve—from hunting for food to ordering online and as our behaviour has changed, our brains have developed. But even though we no longer live in caves, some of our ancient hardwiring still …
A bump in the road, then a new start Taking stock of how your life’s travelling at the start of a new year is a great idea but you might feel more urgency if you’ve recently come to the end of a serious, long term relationship or gone through a divorce. What’s next, you want to know. How do you rebuild your life, is your financial outlook positive, what happens if you find a new …
Beyond children: safeguarding the future With your house paid off, the children grown up and your retirement savings on target, you could be lulled into a false sense of security that you no longer need personal insurance. If you or your partner were to die, then little may change in your financial situation. But what would happen if one of your adult children had an accident and needed care for the rest of their …
Could you own a chunk of $15 billion[1] and not know it yet? With millions of super accounts waiting for their owners, it’s easy to reclaim your money. Few people would be willing to turn their backs on thousands of hard-earned dollars. Yet when it comes to super money, many people have thousands of missing dollars they don’t know about. More accounts, less money It’s easy for super to get lost. Most of us have …
Managing your debt Debt and Cashflow Management Debt is part of modern life. It can be used to help you reach your goals, but only when you are in control of it, not when it is in control of you. It’s easy to build up little bits of debt here and there that don’t appear to amount to much, but can quickly eat into your cash flow. Common questions to consider Some questions you may …
Planning your future: What to expect Having the chance to take a step back for a moment and look at things from a fresh perspective can be a great advantage, especially when it comes to planning your financial future. Our 7 step process What information will you need prior to meeting us? What will you receive? Our 7 step process When you meet with our financial planners we will take you through a 7 …
Having the chance to take a step back for a moment and look at things from a fresh perspective can be a great advantage, especially when it comes to planning your financial future. When it comes to managing your finances; knowing when, where and what to do can be quite daunting and complex. Effectively managing your finances requires a sound knowledge of various strategies available and the latest regulations and this is where a financial …
4 Things You Wouldn’t Think You Need to Budget For, but Need to Do Most people that start a budget tend to overlook some important things such as repairs when making a budget. When the need for a repair arises, they have to take money out of their savings or take money out from other areas of the budget such as money allocated for food. In doing so, it may ruin their finances. Our advice …
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