Seven steps to cutting debt

Published: June 3, 2015

You enjoy a challenge – right? Then step towards financial fitness by cutting your debts this year. Understand and embrace your debt. Firstly, work out where and what type of debt you have and start to plan how you’re going to cut it down. For example, if you roll multiple debts into one, you may […]

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Heard of trauma insurance?

Published: June 3, 2015

With half of all Australian men and one-third of Australian women expected to be diagnosed with cancer by the age of 851 , many families are learning first-hand how an illness can interrupt even the best arranged plans. When the mortgage and school fees still have to be paid, every family deserves to be able […]

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How can you give your kids money smarts?

Published: June 3, 2015

When it comes to money, your own behaviour and attitudes can strongly influence your kids.Help your kids to be money smart by demonstrating positive money habits and teaching them valuable lessons as they grow older. Teaching money smarts Money management has always been important for children to learn about, especially as they grow into young […]

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The virtue of (salary) sacrifice

Published: May 21, 2015

Salary sacrificing into your super is no different—you’re giving up ready access to your money in your take-home pay. But in return you’re boosting your retirement savings and saving on tax. You can pay extra cash into your super from your pre-tax salary at the concessional 15% rate of tax1 —up to a limit (or […]

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Time to sell the family home?

Published: May 21, 2015

When you’ve got a family a big house with plenty of room may make sense. But these days a smaller place may suit you better. Dreams of a change may be beckoning… you may be yearning to wake up to the smell of eucalyptus or doze off with an evening sea breeze. And if you […]

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Sub-par global growth, aging populations and the search for yield

Published: October 24, 2014

Key Points: The search for assets providing decent investment yield is continuing. The aging population is playing a role but the main drivers are low interest rates and bond yields. With global growth remaining uneven and inflation falling again, global and Australian monetary tightening remains distant so a sharp back up in bond yields threatening […]

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Things you need to know about personal insurance

Published: September 16, 2014

But simple is not always cheaper, the cover may be inadequate or, worse still, may not pay out when you need it most. Underinsurance Personal insurance is a general terms for term life, total and permanent disability (TPD), trauma and income protection insurance. The reality is that even those people who think they are covered […]

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What happens if I let my insurance lapse?

Published: September 12, 2014

If you let your insurance lapse, you risk being unable to make a claim when you may really need to. Take a look at our claims statistics below and you’ll see that, more often than not, it’s our older customers who understand first-hand the true value of their insurance. Life Claims by age   Under […]

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Saving in a material world

Published: September 12, 2014

So why not try taking a break from spending this spring. If you can tighten your belt over the spring months, it could help you save for the upcoming Christmas expenses. Here are some creative ways to cut your spending. Get smarter with your spending Negotiate on your utility bills It’s a competitive market, with […]

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New rules for government pensions

Published: September 12, 2014

Have you spoken with a financial adviser recently? It pays to be aware that if you receive a government age pension and set up or make changes to an account-based pension after 1 January 2015, you may be worse off. You have limited time to work out whether reviewing or setting-up an account-based pension before […]

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