The average Trauma policy lapses at age 44, but the average claim paid is at age 49. You may or…
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The international consultants and researchers McKinsey Global Institute offer us these insights into our future – In the next 15yrs,…
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Who is left that thinks and acts for long term? Politicians won’t invest in greatly needed infrastructure because it is…
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Something really salient I heard many years ago lodged in my brain but I cannot remember the source, sorry. It…
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There is a radio advert currently suggesting that obtaining Life insurance doesn’t have to be complicated and that you should…
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Many investors take great heart from the recent good performance of something they are looking at investing in. If the…
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If you were to make a New Year’s resolution on your financial affairs, what would it be? The usuals are…
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“The one thing worse than being the richest person in the cemetery, ending up as the oldest living person on…
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Well here’s hoping you have made some money on your investments and super over the last year. There seems to…
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Imagine an accident is the thing that will stop them from working, in reality a nasty sickness is more likely…
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Well the banking cycle is beginning to stir. Historically low interest rates are the opportunity for the banks to fix…
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In the December Parachute we suggested that one of the signals that it may be time to do a bit…
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A Child Trauma benefit attaches to a parent’s Trauma policy and, similarly, pays out on a long list of serious…
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Have you ever wanted to know the top three causes for claiming on a death policy? And even if you…
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There is a potential $540 tax rebate (or 18% of your contributions) every year on a contribution up to $3000.…
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We recently asked a successful businessman (still loving work in his 70’s), “What was the best financial advice he received…
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There has been much written on the subject of the ‘Emerging Economies’ and how they are achieving just about all…
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Females have only a 14% chance of being disabled by an accident (86% chance it will be illness). But for…
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At the risk of bringing the whole world to its knees again, we are declaring that Armageddon of the financial…
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This is an extension to income protection policies and is designed to ‘keep the shop open’. When you get sick,…
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When you set up a Self Managed Super Fund (SMSF) and rollover your funds, it’s easy to forget about your…
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Here is one of the best financial strategies I have seen - make your next purchase of an investment property…
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The recent corporate adopters of cheap Chinese manufacturing began outsourcing over ten years ago, leaving many of their locals out…
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The amount of cash Australians are saving has reached over 10% of their income, the highest level since the mid…
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I was at a function and ended up chatting over a beer with a retired businessman. The topic was initially…
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During a recession in the 90’s, I was at a conference listening to a speech by a very successful Financial…
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If you are like most investors now and ‘sitting on your hands’ until there’s an unambiguous sign of restored global…
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Here is a question to ask people who are offering you a great investment – “why didn’t you just go…
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North Korea was mucking around with launching a rocket recently (presumably with only a smallish warhead in it) and when…
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These conversations happen regularly but last week an aged accountant asked me for an opinion about whether he should keep…
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Who is likely to be wealthier at retirement – someone who earns $250k pa and spends $250k pa or someone…
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If you are in business, here are a couple life/disability insurance concepts to consider – Business Partners Businesses begin without…
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There is some media scaremongering around using ‘property bubbles’, ‘unstable politics’ and ‘inevitable recessions’ as a headline, but it’s only…
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Share market jargon calls really big companies ‘’Large Caps’’, with the term Capitalisation referring to the total value of all…
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We received a couple of phone calls this month from clients seeking to understand the definitions within their Total Permanent…
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‘Portfolio Balancing’ happens to funds behind the scenes and is worth understanding. Here is a simple example to demonstrate -…
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You may have seen the Four Corners story last Monday about Life insurance claims, or you probably had better stuff…
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Occasionally shivers go up my spine when a financial commentator suggests that, rather than taking a bank’s Term Deposit rates,…
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The previous Governor of our Reserve Bank, Ian Macfarlane, has just published an article pointing out the extraordinary amount of…
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Here’s how the wealthy make money - they ride the banking cycles, deploying their cash into long term investments when…
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It’s common for couples to make an appointment, anxious about their under funded retirement and fearing they need to play…
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Over the break I had a chat with a highly intelligent lady who was explaining to me the three ‘Crypto’…
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(This is not classic financial advice but Sarah in our office came across this issue and was adamant our clients…
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Nobody would blame you for assuming a policyholder needs to be dead to claim their Death Cover, however, buried inside…
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Last week a radio advertisement piqued my interest by offering the ‘perfect’ Income Protection Policy. I reviewed their website and…
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Keep an eye out next week for some very brave bosses in Super Hero costumes. Friday the 26th of May…
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Aged Care Advice is a specialty within Financial Planning Industry. When it’s time to place an elderly relative into an…
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Just like Economics, insurance premiums have a cycle, moving in between ‘hard’ and ‘soft’ rates. A ‘Hard Market’ is where…
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The Royal Commission into the Banks is having a good old crack at (among others) the Financial Advice industry and…
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Superfund members are now able to carry forward concessional super contributions if their contributions in any given year fall under…
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The saying goes ‘’people overestimate what they can do in one year, and underestimate what is possible in ten years’’.…
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