Super insurance cover is all I need, isn’t it?
Super insurances, or rather personal insurances in general, such as life insurance, total and permanent disability (TPD) and income protection can be worth their weight in gold (literally). There’s nothing worse than having something truly awful happen to you or your...
Financial futures
Financial info that doesn’t stand the test of time Some people think things financial are boring (safe to say, I’m not one of them - probably just as well) and that the financial info they learned at school, uni or in a book or the newspapers ages ago, will largely...
Securing your financial future
Advice that stands the test of time Recently I was perusing a friend’s bookshelf via video chat. They were going through their books, as you do in lockdown, and wanted to know if I might be interested in having any of their still pristine financial books. Now, I...
Inflation – should you prepare for a rise?
Not sure if you’ve noticed, but the price of things seems to be on the up - and, no, we’re not just talking about property prices. We’re talking about all sorts of things from second-hand cars, the average basket of goods in supermarkets, and a host of inputs your...
Better types of debt
Last blog was all about debt with no good outcomes attached to it - aka bad debt. This post though, we’ll look at debt that’s either okay (the first of which is likely to surprise you) or debt that could actually be considered to be ‘good’ debt. Okay debt Home loans...
Debt types – Bad Debt
Are you working to pay down your debt? Do you know which debt is likely to cause you the most pain and which debt is ‘okay’ or even ‘good’? As we head into the new financial year, firmly putting FY21 behind us (and let’s face it, it really had its challenges!), it’s...
Superannuation strategies for end of financial year
At the end of June, there will be a number of changes to superannuation happening. So now is a great time to think about and plan a review of your superannuation strategies to maximise your future outcomes. Let’s start with a look at what’s happening from July 1. The...
Tax time – working from home 2021
What’s legitimate, what’s not & what to watch out for As we launch into the last moments of FY 20-21, you're likely to start to see a lot of advertising about 'savings' to be made this tax time. And sometimes these ads are legitimate for WFH, some are only for...
Challenging times for business
Things you can do to turn things around There’s no doubt Covid caused a lot of business owners pain during 2020 and early 2021. But is it really as bad as you might think? Well, as with so many things, it depends. New research by ScotPac has shown that 1 in 4 small...
