The old-fashioned method of payment of cash has become a thing of the past for most people.
But cash can be used as a great tool to cap your spending on certain discretionary expenses and not blow your budget out of the water.
Most people understand that if you want to make before-tax contributions to your super, you can salary sacrifice via payroll, producing a tax saving.
“Should we get out now and come back in when things settle down?” is a question that usually finds its way into investment conversations when the value of one’s investment has dropped.
With most things in life, the people you choose to surround yourself with have a large impact and influence on your decisions. This is no different when it comes to your financials.
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 are a fair few strategies that we’ll be able to use immediately with most of our new clients to help achieve their retirement goals.
Most people have heard the saying ‘rent is dead money’. To some degree, it sort of is. Your cash will go in the pocket of someone else and you will not be getting any of it back.
However, there is more to consider.
The week of 28 February 2020 the ASX200 had dropped by around 10%. This has taken many people by surprise. But should it?
You’ve spent what seems like a lifetime getting your dream home, and retirement is creeping up fast. You have put the absolute bare minimum contributions into your superannuation, but it doesn’t matter because you own your house and your house is your super. Right?
Most people come in to see us about 10 years from retirement and are usually very surprised on what can be achieved if they decide to switch on and focus.
Dallas Davison, Michael Hogue and Ali Hogue.