There are some very important changes coming to Income Protection Insurance that will affect those who don’t yet have appropriate cover in force by the beginning of April 2020.
You need to be aware of these changes as you risk losing a very significant opportunity to protect your greatest asset – your ability to continue to earn your income.
Have you felt the fashionable pull to publicly commit to a New Year Resolution?
Has your social news feed been flooded with images of bottles of Champaign, Wealth and high Fashion photos that only makes you feel isolated, or even bad about yourself?
Welcome to the annual New Year advertising splurge designed to separate you from what's left of your money, before you can really think about it.
Welcome to a new year (and a new decade). Remember old habits don't usually take us to new places.
Hopefully this the year you’ve decided to set some family goals and get a little more proactive on achieving some saving goals. One of the challenges of a busy life can be we keep our ideas and hopes about our personal money goals locked in our head, rather than writing them down where we can see them, talk about them and maybe even ask about our progress to achieve them.
Nobody understands the impact of trauma, stigma or discrimination better than the person experiencing it.Drew Browne
Sapience Financial and Investment Services is the first Trauma Informed Organisation providing specialty Financial Advice and Insurance Advice through our Trauma Informed methodology.
This is what that means for you and your family.
So it's fair to assume there’s also a lot of siblings of those same people living with a disability or chronic illness.
We often forget that for every person with a disability, there’s probably a sibling or extended family member helping support them or who act as the financial backup for that person too.
As a kid, I clearly remember the repeated warning about the dangers of running with scissors.
What I didn't hear was the dangers of running off with a credit card, and I wonder which one has caused me more damage in my life so far?
Can you relate?
Maybe you find yourself facing financial demands from both your own young family and older family? You're not alone.
Welcome to the life of the Sandwiched Generation.
I must confess it was a childhood experience that led me astray and taught me the 7 early financial lessons of the schoolyard.
If that worked, the tax department wouldn't need to get people to pay their taxes; you could just 'think about' it for them instead.