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.
Lego logo time lapse
There is power in playfulness …
Many of our clients remember fondly first playing with LEGO bricks at a young age and perhaps accumulating more plastic blocks than would be considered healthy and might rival the typical Tupperware collections of old.
The same enjoyment is now making inroads into corporate thinking with programs such as LEGO® SERIOUS PLAY®.
Are these Australia’s Coolest Business Cards?
Our new LEGO themed business cards have arrived at Sapience!
Why every parent needs a Plan B for their children's future
The effect of the death of a parent on our children's future
Can we measure the future impact of the loss of a parent? While this is different from family to family, what is measurable is the effect of the financial loss during the most difficult time in a child's life.
A report by ING Australia studied the future impact the loss of a parent can have on a family and the role sound financial advice can play in helping families pick up the pieces. Additional research was conducted 5 years later by ANZ with similar results.
Questions to ask when planning your Will
7 Key Issues to consider when you're planning on making a Will.
Co-Owners and the new way to buy a property and help your kids
Buying a property with others — Co-Owners & Limited Equity Guarantees
With increasing housing prices, changes in our spending and saving patterns, the ongoing uncertainty from the GFC and uncertain government economic policy, many people are now looking to Co-Ownership as a way to enter the property market with lower cost and lower risk. Simply put, Co-Ownership is now mainstream.
Common mistakes with Employer Super Obligations
The Australian Tax Office (ATO) runs education campaigns for business owners in the services industries to help them better understand their super obligations.
These are some of the most common mistakes employers make
Important Video Interview about new liabilities for SMSF Trustees
An interview with David Glenn Special Legal Counsel TAL Insurance and Drew Browne Senior Advisor at Sapience about the new and important issue facing Self Managed Super Fund (SMSF) Trustees
Important update for SMSF Trustees
In August 2012, the Australian Government made an amendment to the SIS Act in Regulation 4.09. ASIC has made it very clear that compliance with Reg 4.09 is a non—negotiable requirement for SMSF Trustees.
Life can be complicated without the instructions
It's no argument this holds true for our financial and investment life too
LEGO building blocks have always been part of happy memories for so many of our clients (apart from stepping on a piece accidentally late at night getting for a glass of water). Many people don't realise they initially were made of wood with the plastic extrusion versions only beginning in 1947.
Ask yourself and then your Accountant this one question every year
Understanding the must-haves and the nice-to-haves
As a child, I remember hearing people say ‘you have to spend money to make money’.
It was one of those comments you would always feel the need to nod in agreement with, even though what it actually meant was a complete mystery to me.
I've gotten a little older now but the reason behind that statement still escapes many small business owners today.
- What happens when the dominos begin to fall in a business?
- How much money does your business owe you?
- The 7 Personality traits responsible for 85% of your success
- What a 9 year old boy taught me about courage
- How to protect your business from the natural habits you don’t know you have
- 10 Strategies to improve your mental toughness
- The irritation of doing good in business
