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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Why I use a financial planner

On 12 December 2017, I will have been working in the financial services sector for 50 years. With all that experience you would think I had all the answers and didn’t need to use a financial planner. I should by now, know everything I need to know to ensure I have my money under control Continue Reading

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24 hours in a day!

I am quite sure I am not on my own when I ask the question – where did the last 24 hours go? It is not uncommon to find life and time becoming a blur. Work, family and personal commitments all take time but have you ever wondered exactly how much? What about when we Continue Reading

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It’s not a house, it’s a home

Anyone who has seen the 1999 movie – was it that long ago? – ‘The Castle’ will be familiar with Darryl Kerrigan and his attitude towards his home – his castle. It was the quintessential house sitting on a quarter acre block in the suburbs, albeit under to flight path to Melbourne’s Tullamarine Airport. I Continue Reading

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How confident are you about your retirement?

Hardly a week goes by without the media raising questions about our preparedness for retirement. A lot of the media attention is driven off the back of research surveys and projects that appear to be the ‘flavour of the month’. But then, with around a quarter of a million Australian baby-boomers hitting retirement age each Continue Reading

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Aged Care Costs

On numerous occasions, I have written about the requirements for a person entering residential aged care to complete a Permanent Residential Aged Care – Request for a Combined Assets and Income Assessment (SA457) form.  Sounds a little frightening, and it can be. It is 28 pages long with over 140 questions – of course not Continue Reading

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When should I really start planning for my retirement?

For anyone who knows me, I have a standard answer for questions like this. And that answer is ‘it depends’. Whether it is planning for retirement, buying a new home, deciding what school to send the kids to, what job to take, or where to go for holidays, there are simply numerous variables that need Continue Reading

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