If you’re a member of a super fund, it’s more than likely you have insurance through your super. The cost of this insurance is deducted from your super account balance – so you’re effectively paying for it – unless your employer is covering the cost on your behalf. Often insurance can seem overwhelming, especially when…
Ensuring you have an up-to-date and valid will is a central tenet of good financial planning, so it’s a little surprising that almost half1 of Australians don’t have one. But how many of those without a will know what actually happens to their investments after they pass away? When you die without a will you are…
We’ve all been there at some point — eyes wide open, trying not to look at the clock for confirmation that yes, despite trying every imaginable strategy it is 3:00 am and there are hours yet before the sun is due to rise. The consequences of this lack of sleep add to the already compounding…
Recruitment is one of the many business functionalities that needs to be done differently in a COVID-19 world. Here are some ways keep your hiring efforts up to scratch in a remote work setting. Hiring new staff has traditionally been a process that business owners have preferred to conduct through in-person interviews. The belief has…
Having a budget helps you to feel in control of your money. You can put aside money for big bills when they arrive, and plan savings to achieve your money goals. You don’t need an accountant or special software to set up your own budget. Start by looking at where you are right now and…
When people buy property together, particularly if it’s with a partner or spouse, they often register the title in both people’s names – especially if they’re going to live in the property. But other arrangements are possible, several friends might opt to own individual shares in a property, for example, or a couple might choose…
In the current low interest rate environment, an investment product offering low-risk, high returns may sound very tempting. That’s especially when the offeror implies it has the personal backing of the chairman of Australia’s corporate regulator, the Australian Securities and Investments Commission (ASIC), by using his name and photos. Unfortunately, though, it’s just one example…
The reality is, none of us can predict the future—not even experts. It’s equally true that good news is rarely perfectly predicted either. So, it could be said that the secret to life as an investor is not to predict the future, but to prepare for its ups and downs. Here’s five financial lessons that…
If you’re prone to procrastination, you’re certainly not alone. When there’s so much to do, it’s all too easy to postpone action because you can’t quite bring yourself to get started. Most things feel like overwhelming hurdles, until you take the first step towards completion. It’s this first step that gets the ball rolling, so…
Corporate Wellness is emerging as crucial for SMEs preparing for return to work. Here’s what you need to consider. As businesses scramble to find the best way to safely welcome staff back into the workplace, the concept of ‘Corporate Wellness’ will be front of mind. Particularly given that COVID-19 has put an extra layer of…