by admin | Feb 27, 2023 | Budgeting, Business Planning, Debt, Economics, Federal Budget, Index, Insurance, Interest Rates, Investing, RBA, Retirement, Superannuation, Tax
What feels like a lifetime ago, Lowe stopped buying bonds in November 2021, however continued to state “I want to make it clear that this decision does not reflect a view that the cash rate will be increased before 2024.” But we are now nine (9) rate...
by admin | Dec 29, 2022 | Budgeting, Business Planning, Economics, Federal Budget, Index, Interest Rates, Investing, RBA
Australian Cash and Fixed Interest Short term rates have risen further with another 0.25% rise in December. We have seen the 90 Bank bill rate now hit 3.1% up from virtually zero at the start of the year. 10 Year yields have slipped a little bit but still currently at...
by admin | Dec 29, 2022 | Business Planning, Economics, Family, Health Care, Housing, Interest Rates, Investing, Lifestyle
Dolly Parton once said, ‘Don’t get so busy making a living that you forget to make a life’… And we couldn’t imagine a sentence that more perfectly sums up the importance of work-life balance. While we will likely never learn the true meaning...
by admin | Mar 1, 2022 | Business Planning, Estate, Family, Lifestyle, Superannuation
A Will is a key document in your estate plan, but it’s not just a case of recording who gets what. Different assets may require different management. The executor of your estate is appointed in your Will and becomes the manager of your assets. The executor’s job is to...
by admin | Feb 14, 2022 | Business Planning, Estate, Family, Investing, Lifestyle, Tax
The basic function of a trust is to separate control and ownership. The result of using a trust is that assets are protected and profits are distributed in the most tax-effective way. There is no ‘one-size-fits-all’ type of trust. The trust you use depends...
by admin | Jan 4, 2022 | Budgeting, Business Planning, Economics, Investing, Lifestyle, Superannuation
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 was getting closer to retirement and had been reading all these stories in the paper about how much a person needed to...
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