Baby budgeting

Welcoming a new family member is exciting but with so many aspects of your life changing, when it comes to your finances some forward planning can make the transition so much easier. Fortunately, babies allow several months to prepare for their arrival and it’s easy to get caught up in the excitement. When making preparations it’s important to have all of Bub’s needs ready; but it’...
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7 reasons why your adviser is invaluable when obtaining insurance

  I was asked by an accountant the other day, why should her clients use a financial adviser to acquire their personal/business/family insurances over direct insurers, i.e. those advertised on tv, coles, woolworths and over the phone etc. Here are some reasons why you should strongly consider the use of professional and guided advice; Against wide-spread belief it is NOT more expens...
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Super suggestions for small business

A client who runs his own dry cleaning business came to see me last week. Barry was in a bit of a state. He told me it had suddenly dawned on him he wasn’t far off retirement and had been reading all these stories in the paper about how much a person needed to have in super for a comfortable retirement. The final straw was when Barry started putting feelers out about selling the business ...
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Rent vs buy – the answer?

To buy or to rent? To help find a more definitive answer to this much-debated question, the Reserve Bank of Australia (RBA) published a research paper to assess the costs of each option. By assigning values to key property costs, the report provided consumers with a measure of the cost of home ownership compared to rental yields to determine which option represents better value. Unlike prev...
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