How psychology shapes our financial health For many school children of a certain vintage, the wisest investment of their youth was made for them. Buried away in their time capsule, some will still have a battered old bankbook, into which a small amount was regularly deposited. Come the final day of Grade 6, a wide-eyed kid might find a few hundred […]
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June 30: Tips for getting your financial house in order Time is running out to get your financial house in order before June 30. This is especially the case for anyone who has funds available to make a large cash injection into their superannuation retirement savings before the rules change. The 2016-17 financial year is your last opportunity to make a non-concessional (after tax) contribution […]
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How to manage major life changes Change is one of the few constants in life. Major life changes can occur unexpectedly or as a result of careful planning. Not all major life changes make you feel immediately clear, secure, and ready to take on the world, so when life as you know it is turned upside down, moving forward successfully isn’t […]
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The power in delaying gratification: are you too soft on yourself? Delaying gratification is a simple concept, but as most people know it’s much more difficult to employ in our lives. Ask yourself truthfully, when was the last time you had to wait for something you really wanted? Not just your morning coffee, or an item on sale you’ve been wanting – something especially important? Think back to […]
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Keeping track of your credit rating Today, applying for a loan seems to have never been easier. Interest rates are comparatively low and competition among lenders for new business is intense. So it can come as a surprise when a loan application is turned down. The reason is often a bad personal credit score, but few people understand what that is, let […]
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