8 Things couples can do to talk about money better Practical ideas for happier conversations between savers and spenders.
How do you begin talking about money with your partner (and avoid the shouting?) The problem with money is it’s an important part of our life and can’t be ignored, and most people have been taught to ignore it - to the extent talking about money can be the source of serious relationship problems.
Have you ever found yourself locked out of your car, perhaps your house or even your phone? Some people find themselves locked out of their financial life due to sickness or injury when they can’t make decisions for themselves.
Been told you're too old for a home loan? Just wait, the perfect storm is approaching. Australian's over 50 are being told they may be too old for a home loan, and Skyrocketing property prices means more Australians are being forced to rent forever
Get to know your New Credit Card laws. New laws about credit card debts will be phased in from January 2019 and will have a long-lasting impact on your ability to refinance a loan, or even just apply for a mortgage. There's a new problem in your pocket.
Get to know your New Credit Score. New Comprehensive Credit Reporting (CCR) has arrived (and it’s collecting a lot of new information about you and your financial behaviour.)
A personal note from Drew Browne, Founder of Sapience Financial and Investment Services. Well, this is embarrassing. Let's talk about the elephant in the room — the soon to be released Banking Royal Commission report. Frankly, I'm embarrassed by much of the reported behaviours of big financial services.
Life Insurance and Super each have one thing in common... If you don't legally decide today who you want to get your money tomorrow, someone else will make that decision for you - and you might not like the result. Simply put, you can nominate in writing who you want to receive any future payout with a Beneficiary Nomination or Binding Death Nomination (depending upon what you choose).
12 Days of Christmas and the occasional New Year's Resolution - Bah humbug! Did you know the 12 Days of Christmas tradition, actually doesn’t start before Christmas Day (regardless of what the retailers would like us to believe) but actually begins post-Christmas?
So why do we need to be continually upgrading our financial literacy? Because there's increasing numbers of financial decisions needing to be made throughout our retirement,  we all need to get used to making better financial decisions now.

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Drew Browne

Sapience Founder & Director.
Simplifying Financial Complexity

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