Interest rates are at all time lows, so should you pay off your mortgage or top up your super? Low rates are making it easier for Australians to reduce personal debt. But is that the best strategy for you? It’s fair to say many of us have never been in a better position to whittle [...]
The Reserve Bank of Australia has left the cash rate unchanged at 2 per cent for the third month in a row, a decision that was widely expected. The move caused an immediate jump in the Australian dollar by half a cent to 73.4 US cents from around 72.9, reflecting that the central bank's next [...]
How to manage your finances is a deeply personal decision and many Australians want more information about the best way for them. But when it comes to seeking financial advice many of us don’t know what a financial adviser actually does and how and what they can help with. So let’s look at the most [...]
The countdown to the end of the financial year may not create the same excitement as the approach of New Year’s Eve, but it does have one saving grace. With a little bit of planning before June 30 you could end up with a welcome financial pick-me-up after the Christmas-New Year spending spree. The general [...]
We’re knee-deep in 2015, but changes that have occurred this year already may trail for another 30 years for those looking to enter the property market. The favourable conditions are largely due to the cash rate falling after an 18-month slumber in February, and again in May to 2.0 per cent. While this has brought [...]
Why salary sacrifice? Well, because it’s a way of enjoying great savings by paying less tax. Want to know how it works? Read on… Why it pays to do it Salary sacrificing, also called salary packaging, is an agreement you make with your employer to forgo some of the wages you haven’t earned yet in [...]
