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 …
Is your growing family stretching your budget? Here are seven tips to help you stay on top of your finances as your family grows. Growing your family can be one of life’s greatest joys, but if you already have one or two children, you’ll understand that raising kids can be costly. To cope financially with having more kids you’ll need to balance your income with the increasing expenses. Take a long-term view When you understand …
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 …
Working to restore your balance In our fast-paced world, the desire for a better work/life balance is a common goal. It affects everyone from young professionals working long hours to get ahead, dual income households juggling inflexible jobs and children, and older workers wanting more time to help care for grandchildren or ease into retirement. While some people want to increase their working hours, the more common reason for pursuing work/life balance is to …
Preparing for the time of your life The choices we make in life have a big influence on our personal happiness and also on the wellbeing of those we love. Sometimes we anticipate choices with a sense of excitement. And sometimes life throws us curve balls in the form of unexpected events and important decisions. Perhaps you are thinking about a career change or how to achieve a better work/life balance? Maybe you …
