“I’m thrilled to announce I’ve been appointed Mum’s Power of Attorney,” said no-one ever in the history of sibling rivalry. While many of us end up saying that – well, perhaps not the thrilling part – how many of us know what to expect and why. Addressing the what, a Power of Attorney(PoA) is a…
If you are an employee, there are two ways in which you can optimise the tax effectiveness of your additional super contributions: opt for a salary sacrifice arrangement, whereby your employer makes additional superannuation contributions beyond the compulsory superannuation guarantee (SG) amount from your pre-tax earnings and reduces your salary accordingly; or make a personal…
With premiums often running to thousands of dollars per year, whether or not to takeout private health insurance is a major financial decision. Here are some of the key issues you need to consider in making that decision. Why go private? There are two main types of private health insurance: hospital cover and general treatment…
With growing concerns about climate change and other environmental and social justice issues, more and more investors are opting for ethical investing. Discover some of the key terms you may come across as you explore the options so you can really understand how your money is making a positive difference. Consumer research shows Australians are…
When we get to the end of another year, we often feel the stress and events of the last 12 months weigh on us. As we head into the holiday season, the overwhelming pressure and stress of spending can take a toll. You don’t need to keep up with the ones’ at Christmas, or any…