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Does a child in a blended family lose their inheritance if their parent dies? A Contractual Will Agreement might provide the answer to this difficult question. Many blended Australian families wanting greater certainty in their estate planning choose to make a mirror Will with their spouse - effectively leaving everything to each other.
Get clear on what's at stake when you borrow with others Understanding 'joint and severally liability loans' and what it means for you. You might think when you take out a joint mortgage with someone else you’re only responsible for your ‘half’ or share of the loan. Think again because this is not the case. By signing a mortgage contract with someone else, you’re each agreeing to pay off the…
We all like to think we have more control over our decisions in life than perhaps we really do. And this is particularly common when it comes to our personal money matters. It's nothing new - our beliefs usually dictate how we react to life events; but what if you've forgotten what you believe and are living and deciding on autopilot?
Refinancing isn’t for everyone or every financial situation. Refinancing a mortgage can put you in a better interest rate, but still increase your debt. Before you jump on the refinance-the-mortgage ride, here's six occasions when it might not be right for you
Both successful people and unsuccessful people have very different patterns of thinking about money. Not surprising I hear you say, but where do these money attitudes come from? Is it about finding new ideas or more about losing the old ones?
LMI: the good the bad and the ugly. Using lenders mortgage insurance (LMI) is one way to buy a property without having the 20% deposit which is typically required by most lenders.

Federal Budget Summary 2018-19

2018-05-14
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Quick Federal Budget Summary. The 2018-19 Federal Budget has an emphasis on retirement planning and contains several important considerations which may affect both retirees and pre-retirees, explored further below.
Severity based insurance (SBI) is a more comprehensive high-grade alternative to the traditional 'all or nothing approach' to Crisis/Trauma and Income Protection insurance. How is it different to traditional Crisis/Trauma and Income Protection insurance policies?
The question is more about 'when', not 'if'. Financial life is.... complicated. We all experience a dry spell from time to time and if you're in business a cash flow squeeze. It's the part of life that happens to everyone. But then to make matters worse comes retrospective investment property land tax (thankyou OSR), slow debtors, perhaps a sickness or accident forcing time off work, supporting frail aged parents with…
The other day when talking with Little Miss 5 about the cost of having her birthday party at the local gold class cinema, she casually gave me some financial advice to, "just go to the money machine in the wall and get the money". I realised it was time to begin to explain where money comes from, after all, it's up to the adults in the lives of children to…

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Drew Browne

Sapience Founder & Director.
Simplifying Financial Complexity

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