Entries by darkroom

Stimulus relief package and what this could mean for you

Stimulus relief package and what this could mean for you: We have put together some information to summarise the key relief measures to help understand  the help that could be available to you. We’ve prepared a Q&A that addresses key questions about: accessing superannuation income stream payments social security entitlements redundancy payments aged care bonds […]

‘Wait a few weeks’: ATO advises clients to hold off returns

Clients knocking on tax agents’ doors for a tax return from today may be better off waiting a few weeks, says the ATO. With around 160,000 employers now reporting through Single Touch Payroll, covering close to 9 million taxpayers, the ATO has now recommended that taxpayers wait until their employers have finalised their income statements before […]

Budget 2018: What it means for you

Buoyed by a stronger economy, the 2018 Federal Budget promises to deliver income tax relief, more jobs, guaranteed essential services and the government living within its means. So what does this mean for you? Encouraging tax cuts The centrepiece of the budget is income tax relief. There’s immediate relief for Australians on low to middle […]

Fitness on a budget this winter

As the weather begins to cool it can be easy to avoid exercise. However, there are plenty of options out there that are inexpensive, fun and can double as all important family time. Healthy body, healthy mind As we reach the midyear hump, and with many of us suffering from Seasonal Affective Disorder (SAD), exercise […]

What is your risk tolerance – and why?

Risk is inherent in investing and there is no one size fits all approach to managing and dealing with risk. What keeps you awake at night might be well within someone else’s comfort level. The central principal of investing is the higher the risk of a particular investment, the higher the possible return. Of course […]

Four things to remember when choosing a beneficiary

Choosing a beneficiary is usually a simple task, but there are a few things you should keep in mind when you decide. A beneficiary is the person who will receive your life insurance payment should you pass away. When choosing yours, it’s important to think about who would be most financially vulnerable without you in […]

Be different today so you can be different tomorrow

Every generation thinks life will be different – and of course, each one is right – but when it comes to planning for the future, while we’re young we have a habit of thinking there is still plenty of time. After all, when you’re in your mid-thirties or even early forties, retirement is still decades […]

Stepped and Level Premiums: What’s the difference?

When it comes to protecting your family, knowledge is not just power – it’s security. You have a choice when it comes to paying premiums: stepped or level. But what does that mean and which one is right for you? There is no one-size-fits-all answer as both policies will be suitable for different types of […]

Insurance in super – is your cover adequate?

If you’ve got super you probably have some life insurance included. It’s an easy way to get a basic level of cover, but is it enough to give you and your family true peace of mind? More than 70% of Australians hold life insurance policies, more than 13.5 million separate policies, through their super funds.i Yet […]

Early retirement: living the dream

When you visualise your retirement, what do you see? If you’re like thousands of other Aussies, chances are you think about getting stuck into a hobby, spending more time with your family, seeing the world, or exploring the great outdoors right here in our own backyard. Whatever your image of the ideal retirement, it gives […]