Many self-employed people view the sale of their business as their retirement fund – their superannuation. So just like ensuring superannuation investments are being well managed, business owners need to plan ahead to ensure their business can continue to provide a reliable income after they retire. One of our new clients, Dale, is a typical […]
Although Australia doesn’t have the extreme cold of many other countries, it’s tempting to curl up under a blanket with a hot chocolate on cold and windy days. On the other hand, it would be a shame to lose the benefits of all the hard work you’ve put in during those summer months of exercise. […]
By the end of 2018 Australia had, relative to the size of its overall economy, one of the highest levels of household debt in the world. At 127% of gross domestic product (GDP), our household debt, as a percentage of GDP, had nearly doubled over the last 20 years. So are Australian households groaning under […]
Running your own business can be extremely rewarding but there will always be times when it will be quite the opposite. Depending on the business, many factors will determine the success or failure of a small enterprise however the most common is cash flow. Outlined below are three very simple solutions to cash flow problems […]
Personal insurances are designed to provide protection from the financial consequences of death or disability. They therefore form an important part of most financial plans. Here, in brief, is how they work.
Ask most 30-year old’s who their financial planner is and the typical response might be ‘huh?’ After all, financial advisers are for older people with plenty of money to invest, aren’t they?Well, yes, people nearing or in retirement will benefit from sound advice. But so will younger people. With the benefit of having time on their side, and with some help from an adviser, a 30-something can easily establish a wealth creation plan that can deliver a big payoff in the future.
You seem to have the perfect job: the people are great; the location is convenient; and the hours suit your lifestyle. So why are you checking the online job ads?For many, the belief that we’re not paid what we could, or should, be paid is common. Not knowing what to do about it is equally common.We keep our concerns to ourselves because the thought of requesting a pay rise is so daunting, we don’t know where to start.If you’re nodding right now, read on as we provide a few tips for navigating the pay-rise minefield.
What would you do if a family member asked to borrow money – besides the less painful option of beating yourself over the head with a fence paling? You want to help, but you’re right to be wary.