What does life look like when petrol hits $3 per litre?

The latest financial stressor for families and businesses as we face down the new normal this year is runaway petrol and fuel prices.

But this recent price rise at the petrol bowser might have a very different long term effect for us all.

Learning skills to survive another different kind of year

Has Flooding & Extreme weather affected you or your family?

If the last two years have taught us anything, it’s that anything can happen, it usually does - and we all do better knowing we have a backup plan in place.

Is it time for you to get more money into your super fund?

The four keys facts about super you need to know if you want to pay less tax

Is fair to say that double-digit investment growth may not return to the investment market for some period of time so making sure we get good value for what we are saving to invest, is more important than ever.

While super is seen as a low tax saving environment, there are limits and official caps to how much money you can put into your super (the cynic would say because the government doesn't like to give away too many tax deductions), so it's worth knowing what your options are.

Helping Adult Children become Financially Independent is harder than you think

How to begin setting limits on The Bank of Mum & Dad

Annual research indicates an average of 6 out of 10 parents report supporting their adult children financially to the detriment of their own financial stability - and it's getting worse.

In 2021, almost half, or 45%, of parents with adult children have given their children money during the covid19 pandemic, and of those 79% said the funds would have otherwise gone towards their own personal finances.

New requirements for Australian Company Directors - get your Directors ID - asap

Are you a Director of a company?

Perhaps you have a Self Managed Super Fund (SMSF) and you're the Director of your SMSF Corporate Trustee? If so you’re caught up in the latest new regulation from the Australian government.

  • All company Directors are now required to register for a unique 15 digit identifier.

When your child asks about money

Kids ask questions - that's their job

Given the sheer abundance of our modern lives, it's not surprising we end up with so many complicated feelings and concerns about 'things and stuff'.

When you're an adult raising kids-to-be-adults, we're going to face unexpected and honest questions.

Some are expected and others totally catch us unprepared.

And just because you may not have your own kids, remember we’re all role-models for somebody.

Adaptability: the underrated skill for living a bigger financial life

Reflecting on surviving COVID-19 so far

It's August 2021 in Australia and we’re in the middle of learning to live in a global COVID-19 pandemic.

How are you doing today?

COVID-19 & Life Insurances FAQs

Here's our most frequently asked questions by clients about Life Insurance policies, COVID-19 and vaccinations

Australia is now in the middle of the COVID-19 pandemic and learning to live and work with lockdowns and public health orders.

With rolling lockdowns and much general uncertainty ahead, as we race towards the nation's next mass vaccination target, it's only natural people are looking for certainty and asking important questions about 'whether COVID-19 affects their life insurance policies in any way?'

Are you prepared for the cost of surviving cancer?

'Live Long & Prosper' in the land down under

The Vulcan salutation, ‘Live Long and Prosper’ was first made famous by Star Trek's Commander Spock (played by Leonard Nimoy). 

The phrase owes its now world wide familiarity to the fact that it does indeed reflect the hopes and dreams of all people - to live long and prosper.

Now regardless of whether you subscribe to the Star Trek universe or the Star Wars franchise view of the world (or neither - *gasp*) the good news is for the most part Australians are becoming healthier and actually living longer – 12 years longer than the global average, to be precise.

It's no surprise many of our habits come from what we've seen our parents do, while we were growing up - and unless we decide otherwise, we'll probably pass them onto our children too.

Do you need to stop and think about that a little more?

Making good decisions and understanding why we often avoid making them is an essential part of everyone's financial life.

But how do you recognise when an old attitude towards money is no longer working for you and might need to change?

It's actually way harder than you'd think - and there's a good reason why.

drew browne pic

Drew Browne

Sapience Founder & Director.
Simplifying Financial Complexity

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Our Connections

We're connected to every Life Insurance company in Australia

That means we really can give you the best available option

Why this should matter to you

  • AMP
  • AIA
  • BT
  • TAL
  • CommInsure
  • MLC
  • Zurich
  • One Path
  • Macquarie
  • Asteron
  • Clear View
  • NEOS