Pay off your mortgage or top up your super?

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 [...]

2017-01-16T09:48:21+10:00September 15th, 2015|Financial Planning, Superannuation|Comments Off on Pay off your mortgage or top up your super?

RBA Holds Cash Rate Steady- Aug 2015

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 [...]

2017-01-16T09:48:23+10:00August 4th, 2015|RBA Interest Rate Decisions|Comments Off on RBA Holds Cash Rate Steady- Aug 2015

RBA Leaves Rates on Hold- June 2015

The Reserve Bank of Australia has left the cash rate unchanged at 2 per cent after last month's drop by 25 basis points for the second time this year. The decision by the RBA comes at no surprise to economists who tipped a third cut in the cycle was unlikely despite the Bank's shift to [...]

2015-07-30T08:39:16+10:00July 29th, 2015|RBA Interest Rate Decisions|Comments Off on RBA Leaves Rates on Hold- June 2015

4 common myths about using an adviser

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 [...]

2017-01-16T09:48:24+10:00May 15th, 2015|Financial Planning|Comments Off on 4 common myths about using an adviser

Life insurance through the ages

Whoever said, ‘the more things change the more they stay the same’, was dead wrong when it comes to life insurance. While protection against adversity is always wise, your actual needs change as you move through different ages and stages of life. From when you take your first job and go out into the world, [...]

2017-01-16T09:48:25+10:00May 14th, 2013|Financial Planning, Insurance|1 Comment

Countdown to June 30

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 [...]

2017-01-16T09:48:27+10:00July 31st, 2012|Financial Planning, Investment/Market, Superannuation|Comments Off on Countdown to June 30

Property prices and first home buyers

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 [...]

2017-01-16T09:48:28+10:00July 31st, 2012|Financial Planning, Mortgage Broking|Comments Off on Property prices and first home buyers

Sacrifice your salary

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 [...]

2017-01-16T09:48:29+10:00July 31st, 2012|Financial Planning, Superannuation|Comments Off on Sacrifice your salary
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