Are you paying too much tax?
Why put money into super when you can’t touch it until I retire? It all comes down to one word, tax. Australia is a lucky country. Our health system is the third best in the world. Every child has access to [...]
How to create a financial plan in your 40s – Super
Super is arguably the most important part of your financial plan. Before your eyes glaze over, it is not as complicated as you think and making some changes now could add $300,000 or more to your retirement nest egg in the [...]
How to create a financial plan in your 40s – Part 2
In my first blog on how to create a financial plan in your 40s, I covered the fact that the starting point for any plan is knowing where you want to go and what you want to do. Here, I will [...]
How to create a financial plan in your 40s
It feels good to be back and in control of my life. For those that don’t know me, I had some pretty significant and complex health issues in the last half of 2021 and the beginning of 2022. At 52 years [...]
Life is short – make the most of it
I am writing this article from a hospital bed, and as such, I dedicate it to all of our wonderful first responders. In particular the local paramedics including Frank, Jo, Claire, and Andrew. The last few months have been a real [...]
Are you in a ‘dud’ super fund?
Australians have more than $3 trillion in superannuation funds (super), and pay a whopping $30 billion a year in fees and charges. Most people find super confusing and up until now, the super funds have had it their own way. They get [...]
Things I am grateful for in lockdown
We have been lucky in Australia in terms of COVID, but things are changing pretty quickly. Where we live in regional New South Wales, we have just finished our first week of lockdown since the middle of 2020. As a business owner [...]
Think about the future when investing
Heraclitus, a Greek philosopher, who was known for his doctrine of change, once said "change is the only constant in life." Having an 11 year old son, I often think about what the world will be like when he is older. [...]
Superannuation – getting the mix right
"Look at the investment options in your existing super fund before moving funds. It all comes down to having the right mix of growth and conservative investments." Previously I have written about what to look for in a super fund. [...]