With tax cuts grabbing most of the attention in the May 2018 Budget, some quiet tweaks to superannuation and retirement income were drowned out in all the noise. But these small changes could have a big effect on the amount of money that ends up in your nest egg when you retire.
When it comes to personal finances and ways to build your wealth it seems that everyone has an opinion – and a preferred pathway for wealth accrual. From your mate who likes to share his stock market tips to your friend at work who has a constant stream of ‘get rich quick’ schemes, to your…
The end of the financial year is the cue for most of us to look at our financial position heading into tax time. Hopefully you’ve made progress towards your goals. But if you find that your expenses are trending higher than you’d like or—shock, horror!—higher than your income, this could be the perfect time for…
The Federal Government has turned the spending tap back on, signalling the end of the revenue drought since the GFC and the end of the mining investment boom. As widely anticipated, Treasurer Scott Morrison’s third Budget has cut income taxes, boosted support for senior Australians, delivered $24.5 billion of new infrastructure spending and promised a…
You’ve probably heard of social stress – fear of fitting in, feeling anxious about meeting new people. Or you might have experienced stage fright – the stress of public speaking, performing, or presenting in front of people. But there’s another form of stress on the rise that’s potentially affecting Australians much more regularly and seriously…
Gender politics has been in the headlines a lot lately. Whether you’re talking about the Women’s March, celebrity scandals or the latest pay gap numbers, gender equality is an unavoidable topic.
Luxury inner city apartments marketed as ‘perfect for empty nesters’. TV shows where cool older divorcees live in luxury on the waterfront. The ‘grey nomads’ community selling up and taking off in their camper vans. Even twenty years ago, the idea of downsizing wasn’t really part of our culture. The parental home was something to…
In this issue: Downsizing – is it right for you? Closing the super gap Tackling financial stress It’s May, and many parts of the country will be grateful that cooler Autumn temperatures have finally arrived. On the national economic stage, the final touches are being made to this year’s Federal Budget which Treasurer Scott Morrison…
Australia’s household debt is among the highest in the world and rising, thanks largely to worsening housing affordability and plentiful consumer credit. So how do we measure up and should we be worried? Most global comparisons measure total household debt as a percentage of net income. At last count, Australia’s household debt to income was…
To learn and develop, you need opportunity and motivation. Depending on what you’re aiming for, you might also need specific resources.
Here we go again. Superannuation could be about to undergo more change with the federal opposition announcing it will end cash refunds of franking credits on share dividends if it wins the next election. The change would have a significant impact on people paying little or no tax, especially self-funded retirees in pension phase. Seniors…
In this issue: It’s time to talk about debt Franking credits facing the chop Cultivating a growth mindset It’s April already and as we head back to work after Easter we hope you enjoyed a peaceful and relaxing holiday weekend. April is generally a quiet month on the national stage as the Government prepares for…
Although we are only at the tip of the iceberg of blockchain’s immense potential, industry leaders like Bob Greifeld, CEO of Nasdaq, have already pegged the emerging technology as “the biggest opportunity set we can think of over the next decade”.(i) From the humble origins of Bitcoin, blockchain has since captured the imagination of everyone…
It probably comes as no surprise to anyone that there is a significant underinsurance gap between what we would need to maintain our standard of living should the unthinkable happen, and what we are actually covered for in the way of insurance.
Australians buying their first home or downsizing in retirement are about to receive a helping hand thanks to new superannuation rules which come into effect on July 1. From that date, first home buyers will be able to contribute up to $30,000 into their super fund towards a home deposit while downsizers can put up…
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