 When discussing money in a relationship, it's not rare for arguments or disagreements to occur... We're only human. Being aware of the reasons why, however, can help with the communication process and understanding of one another.
 There is common belief that you should move all your super into cash and defensive assets (such as fixed interest) when you retire. But it really depends on your current situation.
 My parents have always said to me, they plan to spend their last dollar on the day they die.
Before I was their financial adviser, I didn’t give this much thought.  What is a financial planner? It’s the most common question I’m asked. If you ask Wikipedia, a financial planner is ‘a professional who prepares financial plans for people’, which is akin to saying a concreter is a ‘professional who prepares concrete for people’. Not particularly informative.
 In preparing for retirement, a common strategy is to downsize the family home to a smaller and lower cost home. By selling and purchasing a lower cost, smaller house, and pocketing perhaps $100,000 to put into your superannuation, you could benefit from drawing an additional income of circa $8,000 pa. in retirement.
 Lighthouse Financial Advisers Townsville and Maria Pandalai from TravelManagers have teamed up to provide you with the information that you need to start planning for your dream holiday.
 John had woken that morning to find that it was finally here… the day had come… he had turned 55. It suddenly dawned on John, a sales rep, that he had exactly 10 years to ‘make hay’ before his planned retirement at age 65. Paid on a monthly basis, this equated to only 120 remaining pay cheques for the rest of his working life before he was on his own. John’s wife Judy, a nurse, was 2 years his junior but planned to retire at the same time as John in 10 years.
 Recently I read a book called ‘Happy Money’. The authors of this book happen to be 2 college professors from America (Elizabeth Dunn and Michael Norton), they started full time work around the same time and both had the same question; what should I spend my money on? As the title suggests, this book was all about their research into the best way to spend your money in order to maximise happiness, or in other words, get the best ‘bang for your buck’.
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