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. To help you, we’ve identified some key…
Public liability insurance is one of the most important business insurances in Australia. It can cover legal costs and compensation for damages caused by your business operations. For example, a water pipe you installed leaks and damages your client’s property. Or an expensive artefact is damaged by your contractor while painting a client’s home. Or…
COVID-19 sent shockwaves across the world and caused share markets to fall hard and fast earlier this year. While some panicked, savvy investors have been looking out for opportunities. So, what is it that differentiates the panicked investor and those who use a crisis to buy assets that become cheap overnight? As the legendary French…
With record low interest rates, a flattening housing market and repeated assertions from RBA governor Philip Lowe that a rates rise is not on the horizon, this may be the right time for first home buyers to strike. Following the August Reserve Bank (RBA) meeting, interest rates remain at 0.25% for August. As recently as July,…
As the ATO begins knocking on the doors of SMEs and sole traders with queries about their JobKeeper eligibility, quality record keeping is proving to be critical when asked to substantiate a claim. Just like with most tax related matters, businesses and sole traders looking to claim JobKeeper payments are expected to self-assess their eligibility…
An emergency fund is money you set aside to cover urgent or unexpected costs. This could be car repairs, unexpected travel or an urgent medical bill. It provides a financial safety net so you don’t have to borrow money if something happens to you or your family. How much you need in an emergency fund…
Some people invest in shares with a short-term view, looking to take advantage of small movements in share prices to pick up quick wins. While this approach- also known as share-trading – might pay off if you’ve got the luck, expertise, and time to do it, the risks of short-term investing are high and can…
Recent volatility in investment markets can be frightening when you’re saving for retirement, but one of the key lessons from history is that volatility is a normal and necessary part of investing. Markets are made up of individuals making buying and selling decisions based largely on their view of the future. Given the future is…
Cooking and making fond family memories have always gone hand in hand: who didn’t love waking up to the smells of grandma’s lemon meringue pie or helping mum bake some choccie slice as a little one? Bringing families together for generations, try one of these classic and delicious Fairy recipes in your own home. Nut-free…
While you may not be as invincible in your 40s as you are in your 20s—and possibly have a few extra responsibilities like kids and a mortgage—you’re probably in a more stable financial position than you’ve ever been. So how can you continue to build this momentum to set yourself up for a successful future?…