The September quarter has been one of cautious optimism. Inflation appears to be finally cooling, central banks are holding steady, and investors are weighing up what the next phase of the cycle might look like. While the pace of global growth has slowed, stability is slowly returning — and that’s not a bad thing. …
The idea of downsizing can be very appealing to empty-nesters. There will be less cleaning, gardening and maintenance, more time for hobbies and travel, and the icing on the cake comes if you can use the cash surplus you created to give your super a significant tax-effective boost. But is the picture totally rosy, or…
The opinion of many people towards debt can be best summed up in the often quoted line from Shakespeare, ‘neither a borrower nor a lender be.’ Yet others will embrace debt as one of the most important tools in their investment arsenal. Of course, successful debt management comes down to whether you control your debt…
You may be one of many Australians who make an interest-free loan to the federal government every year. That’s because, when you receive a tax refund, you’re not getting free money. All that’s happening is that cash which is rightfully yours is being returned, somewhat late. So it makes sense to make it work as…
Estate planning can be difficult and stressful, but for blended families there’s an added overlay of complexity. According to the community demographic website, profile.id.com.au, as of 2021, blended- and step-families make up around 12 percent of Australian households. For these families, ensuring every person is treated fairly, is a significant challenge where the needs of…