Blog

8 Things couples can do to talk about money better

Author: Drew Browne

Date: 2019-03-12

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Getting better at talking about money together is about getting better together.

8 Things couples can do to talk about money better Practical ideas for happier conversations between savers and spenders.

How to begin talking about money with your partner

Author: Drew Browne

Date: 2019-03-11

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The control money has over what we can and can't do means it'll always influence our relationships, so we need to get better talking about it.

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.

Five Key mistakes people make with Powers of Attorney

Author: Drew Browne

Date: 2019-03-10

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We feel better when we understand how to protect and provide better

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.

When happens when you're deemed too old for a home loan?

Author: Drew Browne

Date: 2019-02-19

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If you're about to retire in 20 years, can you still expect to get a 30 year mortgage?

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

Author: Drew Browne

Date: 2019-02-10

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There's a new problem in your pocket - New Credit Card Laws will catch many people out who need to apply for (or refinance) a mortgage.

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

Author: Drew Browne

Date: 2019-02-05

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Will the New Credit Score Laws make you stop and think before that next big purchase?

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.)

Frankly - I'm embarrassed about the Banks

Author: Drew Browne

Date: 2019-01-28

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Frankly we're embarrassed about Misconduct in the Banking, Superannuation and Financial Services Industry

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.

How to nominate who gets your insurance and super payout

Author: Drew Browne

Date: 2019-01-24

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Nominate who you want to get your future life insurance and superannuation, just to be sure

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).

The One Question I ask myself each Christmas

Author: Drew Browne

Date: 2018-12-11

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get life confident

Then the Grinch thought of something he hadn't before! What if Christmas, he thought, doesn't come from a store. What if Christmas...perhaps...means a little bit more!” ― Dr. Seuss, How the Grinch Stole Christmas!

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?

If you expect to retire, you need to upgrade your financial literacy now

Author: Drew Browne

Date: 2018-11-26

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Life doesn’t necessarily become easier - you just become better at understanding and managing it.

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.