The things I wish I knew then

Way back on 12 December 1967, I started my first job – with the princely salary of $1,589 per annum. Fresh out of school and with the dream of becoming an accountant, I started working for the Australian General Insurance Company, part of Mercantile Mutual Insurance. Their un-air-conditioned offices were at 117 Pitt Street Sydney, Continue Reading

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What happens when it does not go to plan?

PK and I have written on numerous occasions over the last few years of the need to plan carefully for your retirement – financially, emotionally, physically and mentally. The question is what happens if it does not go to plan, not from a financial aspect but from a health perspective? The emotional upheaval can be Continue Reading

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Home Care – a blessing

My Mum is 87 years of age and lives on her own, in her own home. Over the past few months, I have noticed that her ability to look after herself has declined, although certainly not to the extent where I am considering placing her in residential aged care. However, she has slowed considerably. She Continue Reading

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Should I retire?

Mark and I have written about aspects of retirement on many occasions over the past three years which we have published on this blog, Realise Your Dream. For regular readers, you will recall that we have defined retirement at that stage of life when we can finally do what we want to do – and Continue Reading

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Reality Check

Australians are pretty good at having the occasional whinge. From time to time we all like to complain about how hard we are done by. Perhaps we believe we pay too much in tax, the increasing costs of living and power prices, housing has become unaffordable, the health care system is broken, the trains don’t Continue Reading

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Aged Care – Accommodation costs

Entry to a residential aged care home is traumatic for all concerned, and a decision that is never taken lightly. The process is complicated and can be quite lengthy. A question which I am often asked during this process is – how can I afford to pay the Refundable Accommodation Deposit (RAD) the aged care Continue Reading

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Affordable housing – Is super the answer?

In its 2017 Budget, the Government announced several measures designed to ease the pressure on spiralling housing prices, particularly in the East Coast capital cities of Melbourne, Sydney and to a lesser degree, Brisbane. I was in Sydney recently on a personal visit and couldn’t help but notice the eye-watering prices being asked for relatively Continue Reading

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Dementia – An unpleasant fact?

Dementia is not a single disease; it is an all-encompassing term describing a range of symptoms that cause parts of the brain to deteriorate progressively.  Dementia affects memory, perception, behaviour, language and personality.  Alzheimer’s is the most common and well-known form of dementia. I am not going to attempt to outline the medical causes and Continue Reading

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The secret to a long and happy life

Living a long and happy life is something that will be found on most people’s list of wishes, desires and goals. But that is not surprising. With average life expectancy of Australians now running well into our eighties, it is undoubtedly a universal goal that we will all want to enjoy our life to the Continue Reading

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Three years and what has changed?

Three years and what has changed? From a legislative point of view, a tremendous amount! The changes to the superannuation laws are too numerous to list – the age at which a person qualifies for age pension has increased, the assets test has become tougher, and the assessment of rent for residents going into aged Continue Reading

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