Blog
Welcome to our Personal Finance Blog
Money bewilders most of us. How to spend it, how to save it, invest it, and how to best protect the person who makes it.
These questions we all face daily — a puzzle we all attempt to understand and solve just about every day. Yet despite money's centrality to our lives and businesses, it's something we all grapple with, and mostly in private.
Money is the 'Lord Voldemort' of topics; feared by most and mentioned by a few. It's oddly uncomfortable to discuss socially and rarely even with our partners, parents, and children.
Perhaps that's because managing our money and life's risks inevitably involves the fusion of both the emotional and practical aspects of our decision-making processes. The most difficult of questions are those with both economic and emotional answers.
Our educational Personal Finance Blog is for people who want to grow and remain wealthy. And while the journey toward wealth is clearly marked, you still have to be looking in the right direction.
At Sapience, we're all about The How.
How do you split expenses fairly as a couple?
What to do when you want to share bills as a couple but you each earn very different amounts of income
If one partner is making $105,000 a year, while the other is making $37,500 a year, how do couples approach sharing the costs of living together equally?
A new type of super contribution has been announced and it’s called the downsizer superannuation contribution (DSC)
Putting money into your super fund or paying down your home mortgage has always been a difficult choice for many Australians.
Who can make emergency medical decisions for you when you can’t?
Most adults are presumed to have the mental capacity to give consent themselves. But what happens when you can’t make decisions for yourself?
The person next in line to make decisions for you is referred to as the person responsible and it might not be your next of kin.
Equality and freedom from discrimination are fundamental human rights that belong to all people, regardless of who they love or how they identify
The road to anywhere meaningful does seem to take a while and this has been true for many in Australia's LGBTQIA+ Community.
Start your year with The Better Business Book, available now on Kindle too.
100 Business Lessons To Live By
If you’re like me, you probably have 100’s of business and professional self-development books. Some of them you’ve read, some of them you’ve half-read and well, some are hiding under your bed stashed away in the future reading storage box of shame, to read one day. *sigh*
Busy people know sometimes life gets in the way.
Christmas Trivia Cheat Sheet (optimised for discrete reading on your phone during a Christmas Trivia Battle)
It's beginning to look a lot like that time of year when you're sometimes stuck for conversation starters and trivia answers at the Christmas BBQ with family and friends.
Here's 25 of the best Christmas Trivia questions and answers to have up your sleeve.
A new disturbing risk to business is the evolving financial effects of prostate cancer surgery and its unpredictable effect on ongoing cognitive ability
Many Business Owners and Business Investors have begun using the same solution to reduce their exposure to this risk.
Experiencing prostate cancer has a significant impact on a man's personal, work, and family life. The sobering fact is that 1 man dies every 3 hours from prostate cancer in Australia.
The Snakes and Ladders board game has been a traditional favourite for thousands of years and like all good board games, it's a game of chance.
You win the game by starting at square one and being the first to reach square 100. The fun begins after rolling the dice and you randomly encounter either a setback or a shortcut, scattered across the checkerboard in the form of snakes and ladders.
Generosity meets Responsibility
Many parents who are able to help their children get into the property market find themselves in the difficult situation of having to choose whether they are 'gifting' or 'lending money' to an adult child.
While this may have consequences for a lender today, it also has consequences for a future tomorrow.
So how do you protect a gift to a family member?
- Take the mystery out of applying for a mortgage
- Caring for someone with special or additional needs
- Saying what's right
- Why you can’t leave your superannuation to your parents, even if you wanted to
- Sick children recover faster when their parents can be with them
- Free eGuide - 31 Families Every Day Lose a Parent
- New Medical Second Opinion Service available to Sapience clients
