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

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? As a person risks are combined and spread over a wider range of know risk issues, SBI is deliberately structured to provide multiple claims for a broader range of medical issues. (There are approximately 160 ways…
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…
[The Heart+Head=Matters Series.] How do you start ‘the talk’ with your kids? "No, not that talk... the other big talk." Parents all ask the same question After 17 years working as a financial adviser, you get to see patterns in people's actions and, more importantly, their questions. The number one question I get asked by parents of all ages is, ‘How can I help my kids get ahead in life?’
Need to get early access to some of your super? Nothing starts a heated conversation between mates at a BBQ quicker than a question about superannuation and whether you should be allowed to get access to it before you retire. The government's stated purpose behind our national compulsory super savings plan is to provide people income in retirement to substitute (or supplement) the Age Pension. This is known as the…
Marriage Equality means in Australia you're now free to marry who you love. If you're a same-sex couple, there might be some unique challenges to meet with your partner for life While LGBTI people are as diverse as the rest of the population, their shared experience of discrimination creates many common financial issues. The problem isn't with LGBTI people, but with the attitudes and behaviours of the society around them.…

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Drew Browne

Sapience Founder & Director.
Simplifying Financial Complexity

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