By Kate Beaumont, Accredited Mortgage Consultant Talk about hammering the plastic. In January 2018, Australia’s 16.7 million credit card accounts were used to make 245 million transactions with a total value of $27.3 billion. We are currently paying interest on $32.6 billion worth of credit card debt, running up an annual interest bill of over […]
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By Casey Shaw, Financial Advisor We all have a vision of our perfect retirement. But whether it’s travelling around the country in a luxurious motor home, playing golf every day or spending more time with the grandkids, how do you accumulate enough to pay for your golden years? How much do I need to live […]
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By Katrina Beaumont, Accredited Mortgage Consultant Before heading off on an overseas holiday, Sam decided to buy an expensive new camera to document his travels. The camera store offered a ‘buy now, pay later’ option, and attracted by the ‘no interest’ promise of the credit provider, Sam signed up. All was well, to begin with. […]
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By Casey Shaw, Financial Advisor If you rely on your investments for income, an important aspect of managing your portfolio is good cash flow. Correctly structured cash flow is critical, so let’s have a look at what you might need to think about. What is cash flow? Cash flow simply looks at the payment frequency […]
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By Dee (Dewi) Chan, Financial Advisor We all, to a greater or lesser extent, have an idea of our dream lifestyle. So how, as a nation, are we faring? To find out, the Financial Planning Association of Australia (FPA) commissioned a survey of more than 2,600 people from around the country. The resulting Live the […]
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The 2018-19 Budget will be the last before the next election (due by May 2019) and so had to provide pre-election goodies but in a way that keeps the return to surplus on track. Thanks to an improvement in the Budget position since the Mid-Year review, of around $7bn per annum, this has been made […]
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By David Baruffi, Financial Advisor With Australians marrying later in life and staying married for longer, the median age of divorce has risen over the last 20 years. It now stands at 45.3 years for males and 42.7 years for females. Couples who remain together into their 50s experience a lower divorce rate than younger […]
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By Dee Chan, Financial Advisor Each year in early May, the Treasurer delivers the Federal Budget and many people across Australia listen intently. The Budget tells us how the government plans to spend its revenue in the coming year, whether it can afford to give us tax cuts, and whether it expects to spend more […]
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By Dee Chan, Financial Advisor …love budgeting! I wouldn’t be scared of the ‘B word’ – budgeting. In fact, I’d make a bit of a game of it, tracking where my money was coming from and cracking the mystery of where it was going. There might not be much I could do about my income, […]
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By David Baruffi, Financial Advisor Falling in love is a magical and wondrous experience, but once the heart flutters have settled a little and two people move towards a more serious relationship, various challenges may need to be addressed. Many of these challenges can be easily resolved when we’re young and carefree, but what happens […]
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