By Balaji Gopal, Head of Personal Investor 1. Evaluate where you’re at financially Before beginning your investment journey, it’s important to sit down and map out your financial position and goals so that you know where you are and exactly what you’re working towards. Start by looking at your savings, income, living expenses and personal … Read more
A personal loan lets you borrow money to pay for something special, like a holiday, car or home renovations. You have to repay it with interest over a fixed term, usually between one and seven years. Getting the best deal on a personal loan can save you thousands in interest and fees. Looking for a … Read more
Buying and selling a home at the same time – it’s the ultimate chicken and egg scenario. At the best of times, it is a juggling act, but in the current market where prices are rising, listing numbers are low and days on market are shrinking the “which comes first?” dilemma is real. Traditionally, homeowners … Read more
Negotiating the best property price isn’t a matter of swindling a seller. It’s about doing your homework, knowing what you want, knowing the market and making sensible offers. When you are buying property, getting the best price can mean the difference between being able to afford it and having to settle for second best. And, … Read more
Time management for businesses means understanding where and how your employees spend their time. How are you tracking time and productivity? Even before COVID-19, industry pundits had been predicting the rise of remote work and, given our current environment, it looks like it’s here to stay. For businesses seeking to maintain and improve their productivity, … Read more
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia When it comes to investing, nothing speaks louder than actual results. The 2021 Vanguard Index Chart shows what investors would have achieved over 30 years from a starting balance of $10,000 invested into different asset types. The dollar returns are based on the measured returns of … Read more
Creating good saving habits takes practice and willpower – especially when there are so many ways to spend your money. But these strategies can help you (or your kids) become a successful saver and reach your goals sooner. Set up your savings plan in five simple steps 1. Look at what’s coming in, and what’s … Read more
How much tax you pay on your super contributions and withdrawals depends on: your total super amount your age the type of contribution or withdrawal you make If you inherit someone’s super after they die, the person’s super fund pays you a super death benefit. You may have to pay tax on some of this … Read more
Key points: Assessment teams will help you find the rights services to suit your care needs or basic help you require at home The Commonwealth Home Support Programme (CHSP) may be your best option if you need basic help around the home A Home Care Package (HCP) is ideal if you require care services but … Read more
In today’s fast-moving property market, it is particularly important that you’re as organised as possible before you start seriously looking for your next home. While it’s easy to get caught up in the house hunting process, you’ll need to know your budget and more importantly, how much lenders will be comfortable lending you, when the … Read more
