What’s your debt age now? The types of debt we have largely depends on our age and stage in life. For most of us, having debt in some form or another is an inescapable fact of life. And despite its reputation, debt is not necessarily a dirty word. If managed well, it can be a powerful tool to build wealth, and good debts, such as those used to invest in an asset which increases in …
Give your career a health check Health… check. Finances… check. Career… check? Are you happy at work? Do you jump out of bed excited about tackling your next project? Or are you counting down the days until your holidays or retirement? If you answered ‘yes’ to the last question, it might be time to give your career a health check. We all know the benefits of having regular medical check-ups but, just like your body, …
Can delayed gratification help you with your finances? The benefits of delayed gratification and how it can help you achieve your financial goals. Are you the type of person who always has to have the latest clothes, smart technology or gym gear? If you answered yes to this question, you could be a person who likes instant gratification, that is, you like to indulge in instant reward now, rather than exercising self-control1, in return for a …
Where’s the best place to put your money? When it comes to deciding between super and your home loan there’s a lot to consider. If you’re paying off your home loan but you also understand the value in building up your super, you may find yourself trying to balance your present needs with those you’ll have in your future. So how can you straddle the short and long terms and give yourself the best of …
Is your insurance overdue? If your policy lapses, 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 lapse can mean more than no longer having your cover in place. You need to think about whether you’ll be approved or rejected for the same cover if you decide to reapply in …
Time to upgrade your ideas about retirement living? A lot has changed in recent years, especially when it comes to your living options in retirement. Retirement living can offer much more than it once did. One thing’s certain: you don’t have to feel as though you’re losing your independence and freedom when you move on from the family home. Imagine your own precinct where you can get good coffee at the nearby café before a …
What’s worth more – your belongings or your livelihood? At least one in five of us will be unable to work due to injury or illness in our lifetime, yet we’re still more likely to insure our car than our most important asset–ourselves. You might have the attitude ‘she’ll be right’ but looking at the statistics, there is more chance of something going wrong than you might think. Over 80% of Australians insure their …
Thinking about managing your own super? If you’re wondering what’s involved in self managed super and whether it’s a good option for you, here are some things to consider. There’s a lot to consider when it comes to managing a self managed super fund (SMSF). Setting up a compliant fund and managing your investments takes time and can give you the freedom to have more control over your future. Of course acting as a trustee …
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 …
Should you own the roof over your head? When it comes to the rent-versus-buy debate, like many of our clients you may be weighing up the pros and cons. You might be thinking that you’d love to buy a house but it all seems out of reach right now. Are you asking whether it’s still a good idea to invest in property at all? You’re not alone. In today’s housing market, many people are considering …
