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.
Modern Estate Planning is about a workable plan – not just a Will
It involves a powerful combination of 5 key documents and an ongoing management system that works quietly in the background for you as a personal backup system.
So what’s your Plan B? (just in case)
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
- SMSF and Liquidity Risks
- Life is complicated without the instructions
- When two rights get it wrong in leading a team
- What to say when you don't know what to say
- Your future arrived yesterday, but it’s in three pieces
- The sensible reason why we do irrational things with money
