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 four key facts about super you need to know if you want to pay less tax in 2022
Is fair to say double-digit investment growth may not return to the investment market for some period of time, so making sure we get good value for what we are saving to invest, is more important than ever.
How to begin setting limits on The Bank of Mum & Dad
Annual research indicates an average of 6 out of 10 parents report supporting their adult children financially to the detriment of their own financial stability - and it's getting worse.
New requirements for all Australian Company Directors - get your Directors ID - asap
Are you a Director of a company?
Perhaps you have a Self Managed Super Fund (SMSF) and you're the Director of your SMSF Corporate Trustee? If so you’re caught up in the latest new regulation from the Australian government.
- All company Directors are now required to register for a unique 15 digit identifier.
Here are our most frequently asked questions by clients about Life Insurance policies, COVID-19 & Vaccinations
Australia is now in the middle of the COVID-19 pandemic and learning to live and work with lockdowns and public health orders.
With rolling lockdowns and much general uncertainty ahead, as we race towards the nation's next mass vaccination target, it's only natural people are looking for certainty and asking important questions about 'whether COVID-19 affects their life insurance policies in any way?'
Who hasn't felt ambushed by a question without notice for a child?
Kids ask questions - that's their job
Given the sheer abundance of our modern lives, it's not surprising we end up with so many complicated feelings and concerns about 'things and stuff'.
When you're an adult raising kids-to-be-adults, we're going to face unexpected and honest questions.
Some are expected and others totally catch us unprepared.
And just because you may not have your own kids, remember we’re all role-models for somebody.
Adaptability: the underrated skill for living a bigger financial life
Reflecting on surviving COVID-19 so far
It's August 2021 in Australia and we’re in the middle of learning to live in a global COVID-19 pandemic.
How are you doing today?
- Are you prepared for the cost of surviving cancer?
- What happens if my mortgage provider goes bankrupt?
- Family Guarantors, money and mortgages and what you need to know
- Why does getting a life insurance policy sometimes take longer then expected?
- Smart strategies for your Super this EOFY 2021
- Teaching your kids to save is child's play
- The beginner's guide to actually setting financial goals
