If you have a poor credit score or an error in your credit report, it may affect loans or credit you apply for. You have a right to get errors fixed for free, and you can arrange this yourself. What you can get fixed (for free) Here are some of the typical errors in credit … Read more
Volatility indexes are a barometer for where share markets may be heading It should come as no surprise that there isn’t an accurate way to foretell what share markets will do from one day to the next. Yet, while there is no share market crystal ball as such, there are dozens of market indexes globally … Read more
Before you retire If you’re planning to retire, you need to consider: your age, including if you have reached your preservation age your super how much tax you will pay on amounts you receive if good leaver conditions apply if you are part of an employee share scheme if the retirement capital gains tax concession … Read more
Tracking your spending is a way to take control of your money. Knowing where your money goes can help you spend less and save more. 1. Track your spending and expenses First, get a clear view of where your money is going day to day. Choose how long to track One week for daily spending … Read more
How much tax you pay on your super contributions and withdrawals depends on: your total super amount your age the type of contribution or withdrawal you make If you inherit someone’s super after they die, the person’s super fund pays you a super death benefit. You may have to pay tax on some of this … Read more
Key points: My Aged Care will be your first point of contact if you are in looking to access Government funded aged care services A RAS or ACAT/S assessment can determine what services will best suit your needs If you are found eligible for government-funded services, you will then be able to start looking for … Read more
If retirement is just around the corner, the current financial climate may make you feel a little uneasy. Watching the markets fluctuate might leave you worrying about whether your superannuation will be enough to see you through. It’s not a time for hasty moves, though. If you are concerned a calm review of your current … Read more
Define your renovation goals Renovations can be an exciting time to re-shape the look and feel of your home, however before you start getting into the details, it’s important take a step back and clarify ‘why’ you’re renovating. For instance: Do you need more space? Is your kitchen too dated? Are you looking to boost … Read more
By doing a few calculations you can easily see if your portfolio is still on track. If you’re someone who likes a good balance in your investing life, now may be a good time to do some calculations. It’s not something you must do, but doing so may give you some extra peace of mind … Read more
