Independent Financial Adviser
Independent Financial Adviser
Understanding limited recourse borrowing arrangements A self-managed superannuation fund (SMSF), generally speaking, is not able to borrow to acquire assets. The rationale is that superannuation is meant to be a relatively conservative investment vehicle, and borrowing can put the fund at risk An example of this risk at work was seen during the global financial crisis (GFC) through margin lending […]
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Australia’s Christmas spending Aussies planned to spend $1,079 on average over the holiday season (1). Average Christmas spending on gifts (1) NSW – $548 WA – $435 QLD – $408 SA – $405 VIC – $401 Avoid the Christmas debt hangover Join the Christmas budgeters (1) 57% set a budget 4 in 5 stuck to it How […]
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6 ways to manage your Festive season finances Around this same time each and every year, many Australians start to say to themselves “I will NOT go back to work after the Christmas break with silly season debt!” And yet, come 5 January when the majority of us return to work, here we are with the remnants of Christmas wrapping, a dried out […]
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Over age 31? Lifetime Health cover loading info you need to know Lifetime Health Cover (LHC) is a Federal Government initiative designed to encourage people to take out hospital insurance earlier in their life and to maintain their cover throughout. In summary, if you don’t have private health insurance by the 1 July following your 31st birthday, you will be penalised with an extra 2% loading on […]
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Life Event: How much does a wedding cost? It’s the biggest day of your life to-date, and it’s been months or even years in the making. Countless hours (or even days!) of planning, buying, meeting, choosing and celebrating, all lead up to that perfect day that is your wedding. Your wedding day can be as cheap or expensive as you want it to […]
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