Month: October 2021

Millennials and money: what does the future hold?

The first millennials (born between 1981 and 1996) are turning 40 this year. Still, despite more than twenty years in the workforce, it seems their financial wellbeing isn’t guaranteed. A Commonwealth Bank study has found that almost two thirds (61 per cent) …

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How to invest ethically

Ethical investing involves using your ethical principles to filter and guide your investment decisions. The practice has been around for more than 30 years in Australia, and has started to gain significant traction in recent years. If you’re looking to …

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How ‘Buy Now Pay Later’ affects your credit score

In recent years, ‘buy now pay later’ (BNPL) has become an increasingly popular method for consumers looking to purchase goods via instalments without resorting to credit cards. These services are often billed as a safer and more convenient way for consumers …

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Demand for financial advice doubles in five years

If your car engine sounds dodgy, you see a mechanic. If you’re unwell, you see a doctor. If you’ve got a tooth ache, you see a dentist. But what about when you’re looking to better manage your finances? According to …

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7 ways to stay active and healthy in retirement

When it comes to living a longer, healthier, more active lifestyle, a good approach can often involve easy tasks that you can turn into everyday habits – even when social distancing is on the agenda. If you’re after ideas, here …

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Your 7-point retirement planning checklist

You might feel emotionally ready to retire but you’ll want to make sure you’re financially ready too. Socialising with mates, enjoying leisurely activities and indulging in the odd trip away are all things that have likely crossed your mind when …

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Should I still change jobs despite COVID-19?

Go back a month or two and you’d be forgiven for thinking we were on the fast track to pay rises all round. The unemployment rate fell to its lowest level in a decade in June, at 4.9 per cent, …

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Mortgage versus super – a common dilemma

Conventional wisdom used to dictate Australians were better paying off their home loans, and then, once debt-free turning their attention to building up their super. But with interest rates at record lows and many super funds potentially offering a higher …

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How salary sacrificing into super could work for you

An effective way of building your super savings (and potentially reducing your taxable income) is through salary sacrificing – that is, asking your employer to put some of your before-tax income directly into your super fund. The amount you salary …

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Financial rights and wellbeing for LGBTI couples

Since marriage equality was achieved in 2017, LGBTI people have had access to the same legal and financial rights as heterosexual married couples. Yet members of the LGBTI community still face some unique challenges when it comes to their financial …

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