Planning

3 things to do when you want to turn over a new [financial] leaf

You were pumped up for a new weight loss and get-fit program, you had the blender, shakes, books and online subscription. The only issue was that after 6 weeks of the program, you had not lost any weight and there was no real change. Would you continue or go back to your old ways? Probably the latter if you’re human.

Personal finance and financial planning is no different to fitness and weight loss. It’s about habit and behaviour. There is no point turning over a new leaf financially and wanting to take your finances to the next level unless you have a clear path, with no distractions and some accountability helps, too.

31 May 2017 Read More
Planning

How to prepare for moving out of home

A mixture of emotions are stirred up when you're leaving the nest for the first time - happy, sad, excited, scared, worried. For some people moving out is intuitive and can be a simple process, for others it's not so easy. Here are some top tips to help with that transition: 

31 May 2017 Read More
Borrowing

5 things you need to know about equity – Michael Sloan

Equity. It’s a term often bandied about but many people are confused by what it actually means. In investment terms, in its more basic form equity is the difference between the current value of your property and the loan you have against it.

But there are a few more pieces to the equity puzzle. To help you work out how much equity you actually have available, let’s take an easy example. Say your current property is valued at $500,000 but you still owe the bank $200,000. In theory, you then have $300,000 worth of equity. But you can’t use it all; the bank is usually only willing to lend you 80% of the value of the property. This leaves them a 20% buffer to protect their interests’ in the event something goes wrong. So in this example, you have $200,000 of available equity

19 May 2017 Read More
Planning

Expecting your first child is one of the most exciting times of your life.

I still remember when Kate, my wife, and I found out we were pregnant with our first baby. We had been back in Australia for only a few months after our five month backpacking trip throughout South East Asia.

We were only 23, had no money, renting and had both just started working full time again.  The two of us, could not have been any more excited about the upcoming arrival of our baby.

17 May 2016 Read More
Planning

What should you expect when meeting your financial adviser?

What should you expect when meeting your financial adviser?

4 Aug 2015 Read More
Planning

The Change

When you find out that your partner is wanting divorce, it’s like a traffic accident, everything goes into a slow motion. You can see it all unveiling around you, but you just don’t know what to do, or who to talk to. Whether it comes as a sudden shock or more gradually, divorce and separation brings emotional confusion to peoples’ lives and challenging issues to their finances.

9 Jul 2015 Read More
Protecting

Life Lessons

Failure is such an important lesson to learn in life…and how to get back up.

8 Jul 2015 Read More
Protecting

Finding Balance - A How to guide

Finding Balance - What feels right for you and is important to you.

8 Jul 2015 Read More
Protecting

How to Survive the cold and flu season

9 surprising tips to help ward off the winter bugs, and save your business money!

I’m generally quite smug and smarmy when cold and flu season rocks around, quietly congratulating myself on my strong immune system and ability to fend off the dreaded lurgy.

8 Jul 2015 Read More