The average Trauma policy lapses at age 44, but the average claim paid is at age 49. You may or…
Read MoreThe international consultants and researchers McKinsey Global Institute offer us these insights into our future – In the next 15yrs,…
Read MoreWho is left that thinks and acts for long term? Politicians won’t invest in greatly needed infrastructure because it is…
Read MoreSomething really salient I heard many years ago lodged in my brain but I cannot remember the source, sorry. It…
Read MoreThere is a radio advert currently suggesting that obtaining Life insurance doesn’t have to be complicated and that you should…
Read MoreMany investors take great heart from the recent good performance of something they are looking at investing in. If the…
Read MoreIf you were to make a New Year’s resolution on your financial affairs, what would it be? The usuals are…
Read More“The one thing worse than being the richest person in the cemetery, ending up as the oldest living person on…
Read MoreWell here’s hoping you have made some money on your investments and super over the last year. There seems to…
Read MoreImagine an accident is the thing that will stop them from working, in reality a nasty sickness is more likely…
Read MoreWell the banking cycle is beginning to stir. Historically low interest rates are the opportunity for the banks to fix…
Read MoreIn the December Parachute we suggested that one of the signals that it may be time to do a bit…
Read MoreA Child Trauma benefit attaches to a parent’s Trauma policy and, similarly, pays out on a long list of serious…
Read MoreHave you ever wanted to know the top three causes for claiming on a death policy? And even if you…
Read MoreThere is a potential $540 tax rebate (or 18% of your contributions) every year on a contribution up to $3000.…
Read MoreWe recently asked a successful businessman (still loving work in his 70’s), “What was the best financial advice he received…
Read MoreThere has been much written on the subject of the ‘Emerging Economies’ and how they are achieving just about all…
Read MoreFemales have only a 14% chance of being disabled by an accident (86% chance it will be illness). But for…
Read MoreAt the risk of bringing the whole world to its knees again, we are declaring that Armageddon of the financial…
Read MoreThis is an extension to income protection policies and is designed to ‘keep the shop open’. When you get sick,…
Read MoreWhen you set up a Self Managed Super Fund (SMSF) and rollover your funds, it’s easy to forget about your…
Read MoreHere is one of the best financial strategies I have seen - make your next purchase of an investment property…
Read MoreThe recent corporate adopters of cheap Chinese manufacturing began outsourcing over ten years ago, leaving many of their locals out…
Read MoreThe amount of cash Australians are saving has reached over 10% of their income, the highest level since the mid…
Read MoreI was at a function and ended up chatting over a beer with a retired businessman. The topic was initially…
Read MoreDuring a recession in the 90’s, I was at a conference listening to a speech by a very successful Financial…
Read MoreIf you are like most investors now and ‘sitting on your hands’ until there’s an unambiguous sign of restored global…
Read MoreHere is a question to ask people who are offering you a great investment – “why didn’t you just go…
Read MoreNorth Korea was mucking around with launching a rocket recently (presumably with only a smallish warhead in it) and when…
Read MoreThese conversations happen regularly but last week an aged accountant asked me for an opinion about whether he should keep…
Read MoreWho is likely to be wealthier at retirement – someone who earns $250k pa and spends $250k pa or someone…
Read MoreIf you are in business, here are a couple life/disability insurance concepts to consider – Business Partners Businesses begin without…
Read MoreThere is some media scaremongering around using ‘property bubbles’, ‘unstable politics’ and ‘inevitable recessions’ as a headline, but it’s only…
Read MoreShare market jargon calls really big companies ‘’Large Caps’’, with the term Capitalisation referring to the total value of all…
Read MoreWe received a couple of phone calls this month from clients seeking to understand the definitions within their Total Permanent…
Read More‘Portfolio Balancing’ happens to funds behind the scenes and is worth understanding. Here is a simple example to demonstrate -…
Read MoreYou may have seen the Four Corners story last Monday about Life insurance claims, or you probably had better stuff…
Read MoreOccasionally shivers go up my spine when a financial commentator suggests that, rather than taking a bank’s Term Deposit rates,…
Read MoreThe previous Governor of our Reserve Bank, Ian Macfarlane, has just published an article pointing out the extraordinary amount of…
Read MoreHere’s how the wealthy make money - they ride the banking cycles, deploying their cash into long term investments when…
Read MoreIt’s common for couples to make an appointment, anxious about their under funded retirement and fearing they need to play…
Read MoreOver the break I had a chat with a highly intelligent lady who was explaining to me the three ‘Crypto’…
Read More(This is not classic financial advice but Sarah in our office came across this issue and was adamant our clients…
Read MoreNobody would blame you for assuming a policyholder needs to be dead to claim their Death Cover, however, buried inside…
Read MoreLast week a radio advertisement piqued my interest by offering the ‘perfect’ Income Protection Policy. I reviewed their website and…
Read MoreKeep an eye out next week for some very brave bosses in Super Hero costumes. Friday the 26th of May…
Read MoreAged Care Advice is a specialty within Financial Planning Industry. When it’s time to place an elderly relative into an…
Read MoreJust like Economics, insurance premiums have a cycle, moving in between ‘hard’ and ‘soft’ rates. A ‘Hard Market’ is where…
Read MoreThe Royal Commission into the Banks is having a good old crack at (among others) the Financial Advice industry and…
Read MoreSuperfund members are now able to carry forward concessional super contributions if their contributions in any given year fall under…
Read MoreThe saying goes ‘’people overestimate what they can do in one year, and underestimate what is possible in ten years’’.…
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