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.
Bad credit — not sure? It's not surprising
The company that has been keeping the records may have been keeping them from you as well
In December 2016 Australian consumer action groups won a case against credit reporting agency Veda Advantage Information Services and Solutions Ltd (Veda) that resulted in the Privacy Commissioner ordering Veda to refund thousands of consumers who were charged for obtaining a copy of their credit report.
Let's be really honest here. It doesn't take long to realise that life never quite works out just the way we planned.
To suggest it's unpredictable - is an understatement.
Call it chance, accident, fate or even serendipity; sh!t happens. Ok now that's out in the open and we're being honest, the point we're making is life just happens to us all and some things catch us all off guard. How we deal with hard times makes us human; how we plan for those potential hard times makes us successful. To Protect and Provide is the very essence of being human – and we think its one of our most endearing traits.
When hard times happen remember it's not personal - its just the statistical realities; its the numbers of life
Meet George - logistics co-ordination ninja
He spends most of his workday chasing boxes, deadlines and freight companies.
His partner is the love of his life (and drives him crazy at times). George has a stepdaughter who he adores and a well-earned reputation as a bit of Weekend DIY Tragic, relentlessly renovating his townhouse.
We all have to learn how to prioritise big decisions
There are some statistics in life that you simply need to know so you can make better choices.
Most people wouldn't dream of traveling overseas without Travel Insurance to protect their luggage and their health. Nobody wants to be stranded overseas with no luggage or worse, in a foreign hospital hoping the local doctors have the right skills, medication and sanitation standards that's not going to put you at greater risk.
Many people ask us what can they do to accelerate their personal wealth and how to get better at life faster.
This leads to the same conversation about concerns for their kids and how they will need to face more complex issues than the generation before them.
For the majority of small business owners, the bulk of their wealth is often locked up in their business.
The business generates their income to pay the rent, pay the mortgage or even the wealth to build the investment portfolio for retirement.
A business owner's ability to actually retire is usually directly linked to the success and stability of their business and their own ability to continue to earn an income.
But what happens to your business debts (and even family debts) when a person unexpectedly passes away?
- Accountants and new laws affecting SMSF advice
- Professional people need their own life insurance adviser and this is why
- What are the key documents in an estate plan?
- LEGO time-lapse
- Australia’s Coolest Business Cards
- Why every parent needs a Plan B for the future
- 7 Quick questions about your estate plan
