To renovate or to upgrade – which is best?

To renovate or to upgrade – which is best?

Most of us will live in two or three family homes during our lives. You might find that over this time needs change as does your capacity to meet those needs. So when the time comes for a change; is buying a new home a good idea, or is spending money on the existing...
Design your own super adventure

Design your own super adventure

A popular series of books originally published over a twenty-year period was the ‘Choose Your Own Adventure’ series. As the name suggested, the reader could actually decide what the characters did at key moments in the story. They could choose (to a certain extent)...
How the family home can affect aged care fees

How the family home can affect aged care fees

Residential aged care is playing an increasing role in helping many older Australians enjoy comfortable and carefree lives. However, one of the tasks for anyone assisting an elderly relative with the move into aged care is to investigate the various fees and charges,...
Preparing for tomorrow

Preparing for tomorrow

Imagine you were no longer able to look after your financial affairs, or, less dramatically, simply found it an increasing burden to manage your money. How easy would it be for a trusted family member to step in and help you? There are many reasons why you might find...
Using your mortgage to create extra wealth

Using your mortgage to create extra wealth

For many people, reducing the mortgage as fast as possible is a wise strategy to use on the path to financial security. But if you think outside the square there are some options that might be available which involve maintaining or even increasing your level of debt...
A quick word on salary sacrificing to super

A quick word on salary sacrificing to super

When you salary sacrifice to superannuation, you and your employer agree to earmark a portion of your salary for your employer to contribute to your super fund. This will reduce your take home pay, but it will also decrease your tax so you may not “miss out” on as...