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Jun 2019Can I go back to work if I’ve already accessed my super?
When you access your super at retirement your super fund may ask you to sign a declaration stating that you intend to never be employed again. But there may be compelling reasons why someone would subsequently return to work. According to the Australian Bureau of Statistics (ABS) the most common reasons retirees return to full or part-time employment are financial necessity and boredom1. Regardless of…
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Jun 2019Rent vs lifestyle—can you have it all?
Rental payments can make a real dent in your bottom line so it’s a good idea to find a balance between location and lifestyle So you’ve found the apartment of your dreams. It’s a stone’s throw from the CBD’s trendiest shopping street, boasts fabulous views of the sea and comes with a fully-equipped kitchen boasting European appliances plus luxury spa bathroom. OK, it’s a bit…
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Jun 2019Boost savings with compound interest
If your goal is to save for the future, or perhaps start putting away for your children’s education – then unless you plan on putting your savings under your mattress, the sooner you start the better. That’s because you could be missing out on earning compound interest along the way that could make a stark difference to the overall amount you save. The difference between…
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Jun 2019Wait! A word before you sign…
By Luke Mitchell, Dooley & Associates Solicitors The opportunity to purchase an established business promises a future of freedom and financial gain, however the ultimate decision is not one to be taken lightly. You’ll need to decide whether the move is the right one in the first place – then have the confidence and know-how to undertake due diligence, negotiate the deal and follow through…
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Jun 2019A guide to working with independent contractors for small business owners
Hiring independent contractors may be an effective way to get more work done without onboarding new, full-time resources, but there are a few things small business owners should be aware of before taking the plunge. If you need to start delegating tasks in your business or don’t have the necessary expertise in-house to complete certain jobs, you may want to hire a contractor. Here is…
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Jun 2019Investment advice hidden in the fine print
Two years ago, 22,000 festival goers in England unknowingly agreed to clean public toilets and scrape chewing gum off the streets by ignoring the terms and conditions when signing up to two weeks of free Wi-Fi. These individuals are hardly the exception to the rule, chances are you’ve also skipped right past the terms and conditions when entering a new phone contract, upgrading phone or…
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Jun 2019Taxes matter. Just don't let them drive investment decisions
Now that the election is over, we know that refundable dividend franking credits will continue to be available to investors. No matter where you stand on that issue, the debate was a healthy reminder that shifting government policy is a risk that can upend a financial plan. Nearly every election, the parties propose changes to the tax code, super, health care, or the age pension…
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Jun 2019Your personal financial register
Have you written a personal financial register, listing your super and non-super investments, your other assets, your income and any debts? This fundamental task for managing your personal finances, investing and saving for retirement would often be left on a must-do-tomorrow list – and perhaps never done. Behavioural economists typically rank investor inertia and procrastination high among behavioural traits that are enemies of investment success….
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Jun 201911 Budget-Friendly Family Meals
We know that life can get busy at times with pickups, drop-offs, work, to-do lists… no wonder it sometimes feels impossible to eat healthily. We often get asked for recipes that are healthy, inexpensive, and easy to throw together, so we’ve gathered 11 of our favourite go-to recipes below. But first, we want to share with you our best tips to help you through your busy week because without a little bit…
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Jun 2019This simple trick will help you remember absolutely anything
By Flying Solo contributor Lucy Kippist. Stop "outsourcing" your memory to Google and start investing in the power of your own mind. Organisational psychologist Adam Grant has discovered the secret to remembering absolutely anything. Habitual forgetting of passwords is my biggest work productivity sin. I can easily lose 15 minutes (to say nothing of my sanity) successfully firing up all the accounts I use. So I…