4 wealth improvement tips from an experienced chartered accountant and certified financial planner?

1 – The people that earn the most income are not necessarily the wealthiest To increase your wealth you do not want to have to rely on your salary and wage income. As a wise man once told me if you spend 100% of your wage on discretionary items, staples and lifestyle assets then you […]

Have you received all your superannuation entitlements?

If you are a resident Australian employee who earns more than $450 per month, you are legally entitled to 9.5% super on your ordinary times earnings, which is basically your wage excluding overtime. Your employer must pay your superannuation entitlement quarterly.  But are you receiving them?  Has your superannuation contribution been paid into your superannuation […]

Regular investment is one way of riding out rough times

Up, down; good, bad. We have been watching the Australian All Ordinaries Index increase 1-2% one day and fall the same amount the next. One day the experts are singing the praises of our leading companies and the next they are shouting their shortcomings. With such missed messages the average investor is understandably confused. Should […]

Which of the following two companies would you invest in?

When you are looking to invest in a publicly listed company, what factors do you consider before making your investment? Do you consider the company’s: Market capitalisation Price-earnings ratio Net profit Earnings per share Revenue growth Profit growth Dividends paid by the company Market share Future viability of the company’s product  Financial projections Well, based […]

Review the cost of your personal insurance (as price increases are on the horizon)

When it comes to selecting our personal insurances such as:  Income protection or Income Continuance Life insurance Trauma Temporary and permanent disability (TPD) the majority of us have a “set and forget” mindset.  That is, we go to the trouble of completing the multipage application booklet and we attend to the necessary health and blood […]

Five smart tips to reduce your mortgage

It has been reported that more than 1.4 million Australians are currently experiencing mortgage stress. It is predicted that once JobKeeper ends, up to 100,000 homeowners could be in default of their mortgage repayments.   Typically the property owners most affected by this conundrum are: Young families First home buyers Investors Holiday rentals As our income […]