Commercial property and SMSFs: insurance considerations

Published: February 27, 2017

It is common for businesses to have a buy/sell agreement in place, in case a director or owner dies or becomes incapacitated. The agreement is an insurance contract, which allows the remaining directors to buy out the deceased partner’s interest in the business. This allows the business to continue operating, with the proceeds from the […]

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The perfect property at an affordable price – it’s not a myth

Published: February 17, 2017

 So you’ve found your dream home, but it’s in need of a little TLC. While others may see this as a deterrent, this is actually a great opportunity to nab the house of your dreams at a price tag that’s within your means. Here’s how to tactfully negotiate the price without ruining your chances of […]

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Do you value your input as much as your income?

Published: February 15, 2017

At least one in five Australians will be unable to work due to an unexpected accident, injury or illness at some point in their life.1 Despite the statistics most of us go about our daily routine as if we’re indestructible, invincible or unbreakable. If something were to happen though, who’d step in on your behalf? […]

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Super – even more important for women

Published: February 13, 2017

Women tend to live longer than men, making it even more essential that they accumulate enough superannuation to last through retirement. But women face unique challenges when it comes to retirement savings. Lower pay, time out of the workforce to raise children, and running a single-parent household, can make it challenging to build a reasonable […]

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Avenues in aged care

Published: February 10, 2017

Approaching the aged care discussion can be difficult for everyone involved. However, starting the conversation earlier on in life could broaden your loved one's options and help ensure their wishes are met. There’s a chance you or someone close to you may need some form of care and daily living assistance later on in life. […]

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Changes to super are coming into effect from July

Published: February 7, 2017

See what you should be aware of and what the new laws could mean for your future goals. The government’s May 2016 Federal Budget proposals and several subsequent modifications to its plans around super reform passed through both houses of parliament at the end of November. With new regulations set to become part of Australian […]

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Should I roll my debts into one?

Published: February 6, 2017

You might pay less in fees and interest charges if you consolidate your debts, but there'll still be things to look out for. If all those small debts you once had, have somehow multiplied and grown into bigger debts, rolling them into one could reduce what you’re paying in fees and interest. If you’ve heard […]

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What financial records do I need to keep?

Published: January 18, 2017

Life can be complicated enough without all the administrative paperwork that often accompanies it. This is particularly true when it comes to your personal finances. If stacks of old bank statements, utility bills, receipts, insurance and superannuation documents mean you can’t see the trees for the paper,de-clutter, simplify your finances and improve your quality of life […]

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The holiday’s over for credit card debt

Published: January 18, 2017

There’s something about heading off on holiday that can see us throw financial caution to the wind, and it may mean arriving home with the excess baggage of an overloaded credit card. In fact, last year 41% of Australians returned from vacation in hock to their credit card, with the average holiday-induced debt being a […]

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Are you eligible for school subsidies?

Published: January 18, 2017

With 2017 now in motion, many parents and carers are looking at how they’ll cover school fees for the year ahead, not to mention other costs, such as new uniforms, shoes, stationery and software. The Schoolkids Bonus was phased out in July last year1, but the good news is you may still be eligible for […]

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