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Are credit cards the new seniors card?
Australians were introduced to credit cards way back in 1974. Since then, we have embraced the plastic-fantastic with much enthusiasm, and why not? Credit cards meant no waiting; purchases went home immediately and were paid-off in monthly instalments – what could be...
Closing the gender superannuation gap
Most people, when asked about retirement, will tell you they’re looking forward to it. However, for many women, the approach of retirement is viewed with uncertainty. In recent times a spotlight has been shone on the gender pay gap, resulting in greater awareness of...
Financial Planning for Parenthood
Becoming a parent is an exciting time of adjustment and upheaval; how could such a little person create so many changes – and sleepless nights? But lack of sleep shouldn’t be caused by financial worries and reduced household income. When Judy a florist, and Gary an IT...
Past Performance as a Reliable Indicator
What return expectations suggest for future investor returns. As global economies recover from coronavirus-inspired disruption and central banks shift their mindset to combating inflation pressures, it feels as though we’ve reached an inflection point in financial...
What is the US Federal Reserve and how does it work?
The Federal Reserve plays an important role in every investor’s finances. But many investors don’t know exactly how or why the Fed matters. The Fed’s decisions affect the economy, interest rates, inflation, and other key variables that are major factors in any...
Where’s your ‘In Case of Emergency’ file?
When Mike died suddenly and unexpectedly Sally, his wife of over 30 years, was overcome not just with grief, but also with panic. Not only did she lose her best friend and soul mate, Mike had always been the family money manager. While Sally knew they were financially...
Building financial resilience
Resilience is the ability to quickly recover from setbacks, and while setbacks can come in many forms most of them will have a financial component. So what can you do to build financial resilience? Expect the unexpected Rarely do we get advance warning that something...
Working from home – is it better for your lifestyle?
The increase in home-based businesses has been monumental in the past decade with now almost one million Australians earning an income from home. The types of businesses that can be operated from home are only limited by imagination; just as the reasons for this...
5 tips for starting your own successful business
Want to be your own boss but not sure where to start? Some people’s dream is to nurture a business idea through to success. Calling the shots, working their preferred hours and achieving financial independence fires their dream. Many people have a great idea but are...
6 steps to a sustainable Christmas
Just as the Grinch stole Christmas, excess spending can rob us all of yuletide happiness. Seasonal credit card splurges can create ballooning long term debt, while unnecessary consumption inevitably leads to a blow-out in rubbish bin waste. The Commonwealth Bank of...
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