Blog
Welcome to our Personal Finance Blog
Money bewilders most of us. How to spend it, 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.
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?
How to prepare for a Home Loan Application
Applying for a mortgage is usually one of the biggest financial decisions a person will make in their life, so it just makes sense to give yourself the best chance.
Whether you're looking for your first home loan or an investment property loan, the preparation is really the same.
What happens when the one you’re caring for, outlives you?
The #1 question of parents and siblings with a special or additional needs child or sibling is usually:
Who will look after them when we’re not there?
When should a business express a moral opinion?
A few years ago, I attended a conference for business owners discussing the importance of ethics and purpose in business.
Things were going great until someone stood up and asked ‘that’ question. But wait, I’m getting ahead of myself.
Why you can’t leave your superannuation to your parents, even if you wanted to
Most people have some form of superannuation and it’s not long until the question gets asked, 'Who gets my Super if I die?'
- 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
- Free eGuide - 31 Good Money Habits to Model for your Kids
- It's time to choose a Guardian for your children, just in case
- How to Budget Like A Badass!
- How to have the money talk with your partner
