Blog

The hidden victims of our road toll

Author: Drew Browne

Date: 2018-09-03

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Modern technologies and advances in trauma medicine mean more people survive than die and the cost of surviving can be devastating to the survivor and their family.

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…

A Modern Day Cinderella Story

Author: Drew Browne

Date: 2018-08-11

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If there's ever the chance your step family wouldn't see eye to eye, make the hard decisions for them ahead of time and make them legal.

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?

Author: Drew Browne

Date: 2018-08-10

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Never risk what you cannot afford to lose, so make sure you nominate your super beneficiary

Who's your super beneficiary? With superannuation now becoming a compulsory part of life, many people soon find they 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…

What happens if you unconsciously equate money with status?

Author: Drew Browne

Date: 2018-08-05

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People affected by the the status moneyism mindset, often equate their self-worth with their net worth.

Are you still living up to your parent's expectations towards your own money? Below are four questions we ask our clients to help them consider could their adult relationship with money today, be unconsciously influenced by their parent's money attitudes from childhood?

What happens if you unconsciously avoid money?

Author: Drew Browne

Date: 2018-07-28

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It's hard to imagine people might deliberately try and avoid money - but it's a common unconscious childish belief to an adult issue of managing your money.

How do you feel about having money? It's not something many people stop and consider—but there’s definitely patterns connected with personal poverty and financial chaos.

Can a person with diabetes get life insurance?

Author: Drew Browne

Date: 2018-07-25

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All food has some nutritional value, but it may not be the nutrition you want, or need.

Diabetes in Australia is our fastest growing chronic condition. Each day 280 Australians develop this disease. 56% are males 44% are females The onset of Type 1 Diabetes mellitus (T1DM) occurs most frequently in people under 30 years, however, new research suggests almost half of all people who develop the condition are diagnosed over the age of 30.

When young families lose a parent

Author: Drew Browne

Date: 2018-07-18

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Download our free eGuide to better understand the effect the unexpected death of a parent has on a child

The long-term effect of grief over the loss of a family member. A recent report about Millennials and Generation X’ers who lost a parent while growing up confirmed what most people already suspected - the impact of the loss lasts a lifetime. A third of those surveyed said, ‘I've never really gotten over my loss’.

The question every blended family wants answered

Author: Drew Browne

Date: 2018-07-11

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A Contractual Will Agreement help bring certainty to blended families and their estate planning

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.

What's really at stake when you borrow with others?

Author: Drew Browne

Date: 2018-06-20

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It's in our nature to help our family and friends so understanding how to do that safely is better for everyone.

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…

What happens if you unconsciously idolise money?

Author: Drew Browne

Date: 2018-06-18

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For people with the Idolise moneyism mindset, the saddest reality is the expected wealth payout they chase, usually never arrives.

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?