Are you aged between 55 and 65? Want to save tax and supercharge your super? Or cut your work hours without reducing your income? A TTR strategy could be the answer. After working hard over the last few decades, you might be starting to dream about all the things you would love to do when […]
At some stage you have probably heard of dollar cost averaging as a way to grow your investment portfolio. It’s not the “be all to end all” for investing, but it can certainly help you make the most of investment markets and economic conditions over the long term. Dollar cost averaging is not rocket science. […]
Here’s a quick and easy recipe for over-ripe bananas – delicious warm or cold! 225g self-raising flour 100g butter (room temperature) 150g caster sugar 450g bananas (the softer the better) 1/2 tsp salt 2 eggs 2 T dark rum (or brandy) 1/2 cup mixed dried fruit 1/2 cup chopped walnuts Method: Preheat oven to […]
One of the biggest financial commitments most of us will ever make is the mortgage on our home. So it is no surprise that the potential savings from adopting a smart mortgage strategy can also be remarkable. Take this example… Our clients, Steve and Nicole purchased a home for $500,000 with a mortgage of $350,000 […]
According to the Macquarie Dictionary a “grey nomad” is an Australian colloquial expression meaning an older person, often retired from full-time work, who travels around the country, living in a caravan or motorhome. Linguists are not too sure how long the expression has been around, but according to an article penned by Kel Richards for […]
This quiche is so easy – no need to make pastry, it does it all by itself! The flour will naturally settle to the bottom of the dish and the rest of the ingredients will cook nicely as the topping. Ingredients: 4 rashers bacon 4 eggs 1½ cups milk ½ cup self-raising flour 1 cup […]
To buy or to rent? To help find a more definitive answer to this much-debated question, the Reserve Bank of Australia (RBA) published a research paper to assess the costs of each option. By assigning values to key property costs, the report provided consumers with a measure of the cost of home ownership compared to […]
Insurance plays an important role in any wealth creation and management strategy. There is little point in accumulating wealth if you don’t protect it, or yourself, from unforeseen risks that can undermine the best made plans. Just as your wealth creation strategy needs to be reviewed on a regular basis, so too does your wealth […]
For many people, retirement can be a bit of a shock. After looking forward to days of leisure, suddenly the routine of working life is replaced by time that somehow needs to be filled. Using the transition to retirement rules, people approaching retirement can ease into a new routine, retain flexibility regarding their income, and […]
Most of us look forward to stopping work and living the holiday lifestyle. “Retirement” gives us the freedom to do the things we’ve always dreamed of doing, but to achieve this goal will require a bit of planning because, thanks to modern health care, we’re living longer. Statistics from the Government Actuary show that a […]