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The arrival of a new child, either by birth, adoption or some other happy moment brings life-changing times to someone's life. Baby proofing a home can feel like a never-ending job constantly scanning the horizon looking for risks to manage. From putting soft pads on hard corners of tables, using soft door guards to keep little fingers from getting caught and moving everything below waist height that's bright, shiny and…
When can you make a contribution to your spouses super fund and claim a tax credit yourself? If your spouse (wife, husband, de facto or same-sex partner) is a stay at home parent, is a low-income earner, or not working at the moment, chances are they’re not increasing their super and might have little or no super to fund their retirement. The good news is if you want to help…
The hidden victims of our road toll We all read about the terrible road tolls that affect our modern life. Every day the same stark reality of yet another death on the roads tempts us to look away, forcing advertising agencies to use increasingly violent images to get our attention. But today with modern technologies and advances in trauma medicine, more people now survive car accidents. The cost of surviving can…
The Cinderella like tale of Munro v Munro and how a simple preventable mistake, broke the hearts of his two daughters To really understand this real-life story, to need to understand two simple legal facts about self-managed super funds: The trustee of an SMSF has discretion who to give the balance of your SMSF account to when you pass away. To remove this discretion and ‘bind the decision of the…
Who's your super beneficiary? With superannuation now becoming a compulsory part of life, many people soon have significant amounts in their super growing at 9.5% per year - the minimum compulsory amount all employers are required to withhold from your income and deposit into your super account, for your retirement. In reality, if you passed away today, the value of your super account could be significantly higher because of a…
Drew Browne
Sapience Founder & Director.
Simplifying Financial Complexity
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