When tailoring your investment mix, it’s important to focus on the big picture and think long term. That way, you’ll be able to ride out short-term fluctuations and take advantage of growth opportunities.
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If your partner is on point when it comes to managing their finances, whereas you don’t have the faintest (do you even know how much cash is in your account right now, or how much money you owe?), it’s a chat that mightn’t end well.
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With a combination of having more time to exercise at lunchtime and by bringing in nutritious and controlled amounts of food (without the temptation of buying that banana cake at the counter) your healthier lifestyle could convert to diminished kilos.
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Unfortunately, there are a lot of misconceptions about life insurance which can lead to missed opportunities to protect ourselves and our dependants. In this article, we’ll set the record straight for six of them.
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Committing to something that you both think is fair could go a long way here.
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Having more money should make us happier right? According to a number of different research reports, feeling good about life comes from a feeling of control over your finances, rather than how much money you have.
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As widely predicted, the announcement included a range of tax cuts for both individuals and businesses. The Treasurer also announced increased funding for regulators to encourage tax and superannuation compliance, a number of positive changes to superannuation, and an affirmation of previously announced aged care measures.
This summary provides coverage of the key issues of most interest to you.
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You can retire whenever you want to in Australia, but your financial situation, employment opportunities, health and wanting to coordinate with your other half could play a big part.
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A common goal across all age brackets is to organise and optimise your financial affairs. Everyone needs a financial plan, and all plans should be in writing so as to be measurable and accountable.
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Self-managed superannuation funds (or SMSFs) are a way of saving for your retirement. The difference between an SMSF and other types of superannuation funds is that the members of an SMSF are usually the trustees. This means that the members of the SMSF run it for their own benefit and are responsible for complying with Australian superannuation and taxation laws.
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According to the Australian Securities and Investment Commission (ASIC), Australians owe a total of $45 billion in credit card debt, and about half of us continue to make low repayments and remain in debt month after month.
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