Is free credit-card travel insurance really free?

Published: June 15, 2015

The June long weekend heralded the start of the ski season and that means plenty of snow-loving Australians will head to the slopes either locally or overseas. Taking out travel insurance is a no-brainer and if you’re relying on complimentary insurance provided by your credit card, new rules make it easier to know what you’re […]

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Going the distance in retirement

Published: June 10, 2015

For many of us, when we hear the word retirement, we’re likely to think of travel, family and relaxation. It’s a reward after many years of working hard. But with increasing life expectancy, Australians may need to work longer to save more for retirement. The thought of more years at work won’t be welcome news […]

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Renovate your way to a better property

Published: June 3, 2015

Granite bench tops, sleek Euro appliances, free-floating staircases, a marble bathroom or a new pool…the possibilities are endless. But sadly your budget is limited. So where to start? The first question to ask is—are you going to sell up or stay where you are? Renovating to live If you’re renovating for the long term with […]

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Seven tips to travel on a budget

Published: June 3, 2015

Does it feel like ages since your last holiday? Maybe with responsibilities like paying off your credit card, saving for your first home, or paying back your university fees, your next holiday still seems a long way off… Well, don’t despair. There are plenty of ways to take a break without breaking the budget. Go […]

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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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