Month: July 2016

Lending & Finance

What you can borrow or what you should borrow?

The amount you can borrow and the amount you should borrow are sometimes two very different things. Before you apply for a home loan, it makes sense to realistically assess your financial situation. Here’s how to do it.

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Strategic Financial Advice

Economic Update – June

As mentioned in the last edition of Market Watch, the Reserve Bank of Australia (RBA) cut the official cash rate from 2% to 1.75%, a new all-time low, at their May meeting. The next RBA Board meeting is 7 June 2016.

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Strategic Financial Advice

The new Australian lifestyle isn’t so average

Overseas holidays, new cars and having the latest technology aren’t considered luxuries anymore, but are standard lifestyle expectations of the new ‘average’ Australian, according to research by MLC.

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Strategic Financial Advice

Are you part of the sandwich generation?

The ‘sandwich generation’ is a term used to describe people typically in their 40s and 50s who are caught between the demands of caring for ageing parents as well as their own dependent children. 

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Strategic Financial Advice

Why a budget isn’t about sacrifice

For most of us ‘spending’ is the first thing that springs to mind when we have money. So when a financial adviser suggests the idea of having a ‘budget’ most of us recoil in horror. 

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Strategic Financial Advice

Financial scams target over 50’s

Australians aged over 55 who may be looking for ramped up returns are most likely to fall prey to scams. Over the last year 105,000 Australians have fallen victim to financial scams…

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Strategic Financial Advice

How do transition to retirement strategies work?

Even if you’re nearing retirement age you might not be looking to leave the workforce just yet. Maybe you want to save more money or perhaps you enjoy the interaction and mental stimulation.

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Strategic Financial Advice

Five ways to create a reliable income in retirement

With interest rates at record lows and little chance of a change in sight, creating a reliable income in retirement can be challenging.

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Strategic Financial Advice

A Will isn’t always the way

You would have heard the saying: “where there’s a will, there’s a way”.

This statement is usually used to encourage people who are losing enthusiasm for a task or goal. But it also reflects the way many people feel about estate planning.

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Living Estate Planning

New Property Transfer Rules Apply to Deceased Estates Also!

From 1 July 2016 Australian residents selling real estate with a market value of $2 million or more will need to apply for a clearance certificate from the Australian Taxation Office to ensure that 10% is not withheld from the sale proceeds.

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Strategic Financial Advice

The United Kingdom Votes

Leave Campaign wins the ReferendumThe United Kingdom (UK) has voted to leave the European Union (EU) in a shock decision that has sent global markets plummeting. It has been over 40 years since the UK last voted to stay in the EU and sentiment towards the common market has shifted dramatically.

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