Have you made a big financial mistake in the past? One that cost you a lot of time and money to fix? One that caused you a big headache? Financial stress can be a major trigger for a lot of people, it is a big burden to carry around, but not one you need to carry alone. Speaking to a professional Financial Adviser can set your mind at ease once you have a plan in place and a financial goal to build towards.
There are over 29 million pets in Australia with approximately 61% of households owning one of these 29 million pets. Of that 61%, most are dog owners at 40%, followed by cat owners at 27%. In 2019, over 60% of dog and cat owners considered their pet as a member of their family – which means we want to treat them well and keep them in good health for a long and happy life, but at what cost? In this article we take a look at the benefits of pets and the costs involved with keeping them – which should be considered in your household budget!
As markets continue to be wax and wane due to ongoing coronavirus fears and subdued employment and economic recovery numbers, it seems timely to remind ourselves of the types of behavioural and emotional biases that could lead to potentially risky investment behaviour, and how you can avoid them. As human beings we are not well wired for the rational, dispassionate approach that economists love to think of as “normal”.
How often do you feel you are burning your candle at both ends? That no matter how hard you try to destress or what boundaries you set, the to-do list gets longer and you find it harder to catch your breath? Even with businesses shutting down and our usual activities ceasing, somehow we’re still just as busy as before. We’re filling up our free time with activities and home workouts and picking up new hobbies, and it’s exhausting. This kind of burnout has been getting the better of our generation and we’re starting to fall victim to it from a very young age. The constant strive for productivity is making us unproductive. The hardest thing about the society we built is that it has become increasingly difficult to extract ourselves from triggers; work, illness, racism, pandemics, environmental crisis’, social media… The list itself is endless. But one thing I found that helped me has been building a ‘medicine cabinet’ of rituals that I can treat myself to when I start to feel anxious or overwhelmed. Here are a few rituals that may help you too.
There are many advantages to working from home - flexibility, increased productivity and less distractions. Here are some tips to help make working from home successful.
You, or someone you know, may have had a change in circumstances and may need support. We have put together some information to help you navigate these uncertain times and to answer some frequently asked questions.
1 April 2020 A number of measures have been put in place to support Australians in response to the Coronavirus. This includes broadening early access to superannuation savings under compassionate ground - coronavirus.
8 April 2020 COVID-19 is affecting many self-managed super fund (SMSF) trustees. The following information has been collated to help you navigate these uncertain times.
9 April 2020 You, or someone you know, may have had a change in circumstances and may need support. We have put together some information to help you navigate these uncertain times and to answer some frequently asked questions.
On 30 March 2020, the Federal Government announced the introduction of the JobKeeper Payment. The payment is a wage subsidy paid by the Government to businesses significantly impacted by the Coronavirus. This will allow employers to continue paying their employees whether they are able to work or not. The Government will provide $1,500 per fortnight (pf) per employee for up to six months to eligible businesses. The business must pass on the payment to eligible employees. The first payments will be paid to eligible businesses in the first week of May. If you are self-employed, you may also be eligible for the payments.
COVID19 Update 03 March
Education is the gift that parents can give their children that keeps on giving.
KEY INSIGHTS■ Near‑term market volatility is likely to persist as the coronavirus outbreak willremain a key concern in the coming months.■ Higher-risk assets and industry sectors most closely linked to the impact of theoutbreak are likely to underperform.■ The impact on the Chinese and global economies remains unclear. The SevereAcute…
If you want to get ahead, financially, it’s necessary to take some steps to get there. It may seem daunting and overwhelming but like anything, if you have a professional guiding you along the way, small steps can lead to something great.Step 1 | Seek adviceIt’s hard to achieve great success…
Forty and fabulous If you are in your 40s and feeling like your financial fitness could do with an overhaul, then make 2020 the year to do it! These days your 40s is mid-life, given the average age expectancy for men is 84.7 years and for women it is 87.3…
Financial wellbeing has a direct impact on your health, happiness and sense of security. Here’s how to pursue it.
Take control of your future by setting some financial goals this year. Here are our top tips to help make 2020 your best year yet. Make a plan for your money Home in on your savings Knock out your debts Take charge of your super Invest in your future
Financial advice toolkit Navigate the financial advice process This tool helps you navigate the financial advice process with confidence by showing you: how to prepare to meet an adviser what to expect in the first meeting what to do after you receive advice. You can use this tool at any…
With a few simple changes, you could set a good example for your children.
For many people starting a business is a dream but, at the same time, a significant risk when not done properly. While we see a number of clients citing issues with the Tax Office as the catalyst for problems that upend them, there’s many reasons why a business can fail. Let’s now explore what I believe are the five most common reasons why businesses fail.
What you need to know about buy now pay later services Buy now pay later payment services allow you to delay payment or pay by instalments (often fortnightly) over a period of time. Here we explain how these payment services work, what fees you’ll pay and how to avoid getting into financial trouble if you’re using these services.
Getting married is an exciting time but, with so many things to think about, it can be easy to put off thinking about how you will manage your money together after your wedding day. Taking time before you say "I do" to agree on how you will deal with your finances as a married couple will pay off in the long run.
Today’s kids have a different concept of money to previous generations. Instead of using coins and bank notes, this generation has grown up watching people buy things by tapping and swiping or clicking buttons online. They live in a world where in-app purchases, electronic bank transfers and digital currencies like bitcoin are as common as piggy banks were back in the day.
It can be challenging to help children understand the concepts of spending and saving when they watch adults ‘tap’ and ‘swipe’ instead of handing over physical money. Recent research from the Financial Planning Association (FPA)1 reveals that 68% of Australians are reluctant to talk about money to the kids in their life, or they don’t know where to start. But the report also revealed that the children who participate in conversations about money are more curious, confident and financially literate than their parents were at their age.
Mental Health & Wellbeing Do you have questions about Mental Health? Here we answer the most common questions. You can download these useful & practical fact sheets!
Taking cues from Marie Kondo – the organising guru that has become a household name thanks to her Netflix show, Tidying Up with Marie Kondo, people around the globe are starting the New Year by practising their folding techniques, sorting through their items using the KonMari method and asking themselves “does this spark joy?”
Banqer is an online financial education platform that helps teachers deliver financial literacy in an engaging and relevent way. The software transforms the classroom into a mini-economy where students transact with one another from their own online bank accounts. From there they experience budgeting, taxes, super, mortgages and much more.