A beginner's guide to investing in shares for the first time

The concern about the economic impacts of the coronavirus is a classic example of how fear and uncertainty can create share price volatility (prices moving up and down a lot). As hard as it may seem to buy shares into market sell offs, this…
Two hands holding a jar filled with money

Salary sacrifice vs personal contributions to super

If you are an employee, there are two ways in which you can optimise the tax-effectiveness of your additional super contributions: opt for a salary sacrifice arrangement, whereby your employer makes additional superannuation…

Reviewing your insurance as you get older

So, you are seriously starting to think about your retirement. The kids are finally more independent, the mortgage is less than it was, and the super is more than it was. You look at your monthly bank statements and one particular…

Super life cover

Is holding insurance cover in your superannuation fund a good idea? Read on... Life and total and permanent disability (TPD) cover Many super funds provide insurance that pays a lump sum if you die or are disabled to such…

Five reasons to refinance your home loan

Many people treat their home loan as a set-and-forget, riding out whatever the original loan terms and prevailing interest rates dish up. They may be doing themselves a disservice, as there are several ways in which borrowers can…

A helping hand to step into your first home

Struggling to save for a 20% deposit on your first home? A recent Australian Government initiative may allow you to buy your first home with a much smaller deposit, helping you take that first step to home ownership years sooner. What is the…
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COVID-19 and SMSF rental relief

The Federal Government announced a six-month moratorium on evictions of commercial and residential tenants during the COVID-19 health pandemic. This moratorium (and its accompanying code of conduct leasing principles) will inevitably affect…
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Cashflow options for your business

FinCare's Senior Business Finance Manager discusses with you options to preserve and protect cashflow for your business.   Why your business needs to consider options NOW? What would happen to your business if a key customer didn’t pay? Can…