In your interest: a mortgage buffer

Homebuyers who make higher repayments than the minimum required are developing a valuable buffer to help cope with future rate rises or unexpected financial setbacks. A mortgage buffer makes much...

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What a brilliant concept!

Did you know that there are over 900,000 Australians who own small parcels of shares that add up to in excess of $93 million? If you are one of these investors, you might be very interested in this...

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An alternative to SMSFs

It’s a widely known fact that Aussies love to travel, and although the majority return home, over 420,000 Australians left our shores, for the long-term or permanently, in the twelve months to...

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Have a plan – just in case

It’s an old saying but it will be forever true – “the only constant in life is change”. Whether it’s due to economic downturns, new technology or extreme weather disasters; no business, job...

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Is a family guarantee right for you?

Entering the property market is no easy feat for a first homebuyer, but even parents who aren’t prepared to hand over cash for a deposit may help by being a guarantor on a loan. Before taking the...

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Life’s financial turning points: good and not-so-good

The marriage and divorce statistics for 2015 sadly suggest that 43 per cent of Australian marriages may end in divorce. Significantly, this number-crunching does not include separations of de facto...

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What is an annuity?

The term ‘Annuity’ is often mentioned in the financial press or TV advertising, but what actually are annuities and how do they work in practice? The word annuity itself originates from the...

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The joys of home cooking

Even with the proliferation of ‘time-saving’ devices, it seems that life is getting busier with less time available to take care of simple domestic matters. One of these tasks, which for many...

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Responsibilities of an executor

If you’re the eldest sibling in the family, or deemed to be the “most responsible”; if you’re seen to be a good friend by someone; or a fine upstanding citizen by others, chances are you will...

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Building an emergency fund

An emergency fund (also known as a rainy day fund or savings buffer) gives you some breathing space to deal with life’s ups and downs. You can use this money if something unexpected happens to...

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