Long term thinking leads to serenity
Growth markets can be very risky in the short-term. But if you let time work for you, this risk can fall away dramatically for a long-term investor.
What’s All This About Utmost Good Faith?
An insurer and the policyholder must be honest with each other. It is the very basis of the insurance contract. Full disclosure - or the duty of utmost good faith - is so important that it is even enshrined in legislation.
Franking credits
The franking credit system is necessarily complex. But the idea underlying it is quite a simple one. A company’s profits are taxed at the applicable tax rate of each of its shareholders. This article explains exactly how.
Extra help when a child is disabled
Disabled children are treated as adults for tax purposes even if under age 18. This means that they can receive distributions of net income from family trusts and hybrid trusts. This income is taxed normally, rather than under the penalty tax arrangements that usually apply to the unearned income of minors. It can mean that the family pays much less tax.
A life well lived
Too many people look back on their life with regrets. Far from being morbid, realising that our death is inevitable can inspire us to live a better life today.
What happens to your super when you don’t need it any more?
Superannuation benefits are not automatically subject to your will. That means the trustees may not send the money where you want it to go when you die. But there is a solution! Read on.
Dollar Cost Averaging
Dividing an investment up into smaller amounts that are invested at different points in time can be an effective way to manage the timing risk inherent in the sharemarket. This practice is known as dollar cost averaging and this article explains all about it.
No two insurance policies are the same
One of the most frustrating aspects of life insurance for clients is that not all policies are the same. This makes it hard for the ‘person in the street’ to ensure that the cover they take is the cover they need.
Having trouble saving? Here is an easy way to do it.
One of the difficulties of saving is having your money constantly available. A new form of savings account can help you manage your own temptation. Read on and we will show you how.
$35 is $35!
Research shows that people are more interested in saving a large percentage on a cheap purchase than they are in saving a small percentage on an expensive purchase. This can lead them to waste both time and money, and can also be expensive when it comes to big ticket items like home loans.