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Have your Reality Check
Read more: Have your Reality CheckIt’s not something we like to think about, but with life comes risk. Life insurance should be an important component of your financial planning. If you have a young family and or rely on your income to pay your bills it could actually be the most important element of their security. Surprisingly though a lot of people do not have affordable life insurance. Among those who already have life insurance, a vast majority does not have enough coverage. Could you be one of them? Did you know one of the many insurance providers we use TAL paid out $51.6m in…
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Thinking Small
Read more: Thinking SmallEvery night on the TV finance news, you’ll hear about the ups and downs of household name stocks, like the big four banks, Telstra, CSL, Wesfarmers, Woolworths, BHP Billiton and Rio Tinto. But the market is more than that handful of names.
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Great Returns Just Forget The Costs
Read more: Great Returns Just Forget The CostsIn the age of the internet it’s not hard to set up a website and start publishing your own views. Getting people to your website is a little harder, you need to get the public’s attention first so you can peddle whatever you’re selling. This is where the media comes in. It helps to be quoted in the media because it raises your profile. And if you’re in the investment game and have something earth shattering to say, even better, because it can become a mutually beneficial relationship. The media can get readers’ eyes on a headline and those same…
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Important changes to the age pension in 2017
Read more: Important changes to the age pension in 2017From 1 January 2017, there are some important age pension changes that could impact your benefits and warrant some pre-emptive action. What’s changing? The lower asset threshold that determines your eligibility for the full age pension will increase. This threshold varies, depending on your relationship status and whether or not you own a home. It’s also indexed periodically by the Government. To find the current thresholds visit humanservices.gov.au. In addition, the age pension payable will be reduced by $3, for every $1,000 you hold in assets above this threshold. The current reduction amount, known as the ‘taper rate’, is $1.50…
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Great Times for Scams to Flourish
Read more: Great Times for Scams to FlourishVery benign things are often breeding grounds for more noxious things. Standing water is a breeding ground for mosquitoes, children are a breeding ground for germs and low interest rates are a breeding ground for dubious investments and outright scams. Investors who’ve been well served by their “risk free” (except for inflation, tax and no growth) income streams from cash have been pummelled in recent years. Investors watching their income stream slowly dwindling have been vocal in the media with their frustration and it’s no stretch to believe people with less than appealing projects are rubbing their hands together thinking…
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