--- title: "Search Blog by Month - Sapience Financial" description: "search our Sapience Financial archive of Blog Articles by month written" url: "https://sapience.com.au/resources/search-blog-articles-by-month?layout=blog&start=112" date: "2026-06-24T20:11:34+00:00" language: "en-GB" --- [ ![happy young toddler with white face mask over his eyes](https://sapience.com.au/images/blog/intro-its-been-a-tough-year-sapience-financial.jpg) ](https://sapience.com.au/blog/its-been-a-tough-year "It's been a tough year… there have been some tough learnings") ## [ It's been a tough year… there have been some tough learnings ](https://sapience.com.au/blog/its-been-a-tough-year) --- ### Let's not do this year again ### This year, 2020 has been a year where the confidence of many people has been tested. In Australia it started in January 2020 with; - unseasonably **extreme bushfires** that burnt over 46 million acres (or 186,000 square kilometers) with devastating effects on life; and then - **major flooding** over Queensland and NSW that saw a year's worth of rain delivered in just a few days, with devastating effects; and then - the **global coronavirus pandemic**; (first declared a Public Health Emergency of International Concern in January 2020, and then a Pandemic in March 2020). As we close out 2020, it's fair to say, ‘it's been a tough year’. - [ Get Life Confident ](https://sapience.com.au/all-tags/get-life-confident) - [ Covid-19 ](https://sapience.com.au/all-tags/covid-19) - [ good mental health ](https://sapience.com.au/all-tags/good-mental-health) - [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance) [ Read more … ](https://sapience.com.au/blog/its-been-a-tough-year) [ ![happy young couple taking selfie photo](https://sapience.com.au/images/blog/intro-can-you-still-get-life-insurance-with-mental-illness-sapience-financial.jpg) ](https://sapience.com.au/blog/can-you-still-get-life-insurance-with-mental-illness "Can you still get life insurance living with a mental illness diagnosis?") ## [ Can you still get life insurance living with a mental illness diagnosis? ](https://sapience.com.au/blog/can-you-still-get-life-insurance-with-mental-illness) --- ### Living with depression or an anxiety disorder shouldn’t stop you from getting your life insurances sorted. ### As if living with a mental illness, like anxiety or depression, wasn’t difficult enough - getting your life insurance sorted when you're living with these conditions can seem overwhelming too. Thankfully good mental health is now becoming part of the regular conversations for many Australians. Here are tips to help navigate the application process. - [ life insurance ](https://sapience.com.au/life-insurance/life-terminal-illness-insurance) - [ good mental health ](https://sapience.com.au/all-tags/good-mental-health) - [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance) [ Read more … ](https://sapience.com.au/blog/can-you-still-get-life-insurance-with-mental-illness) [ ![a concerned mother watching her adult children constantly argue with each other](https://sapience.com.au/images/blog/intro-how-to-leave-an-inheritance-to-your-grandchildren-but-not-your-adult-children-sapience-financial.jpg) ](https://sapience.com.au/blog/how-to-leave-an-inheritance-to-your-grandchildren-but-not-your-adult-children "How to leave an inheritance to your Grandchildren, but not your adult children") ## [ How to leave an inheritance to your Grandchildren, but not your adult children ](https://sapience.com.au/blog/how-to-leave-an-inheritance-to-your-grandchildren-but-not-your-adult-children) --- ### How to leave an inheritance to your Grandchildren, but not your Adult Children? ### The reasons why you may wish to leave an inheritance directly to a grandchild and not your adult children are as wide and varied as the motivation to do so. Just leaving money via your Will for a grandchild to be held in trust until they reach 21 is fraught with risks; from a challenge to your Will to concerns about the effects of addiction, divorce, and financial mismanagement. - [ nominated benificiary ](https://sapience.com.au/beneficiary) - [ inheritance ](https://sapience.com.au/all-tags/inheritance) - [ saving and investing ](https://sapience.com.au/all-tags/saving-and-investing) - [ insurance bonds ](https://sapience.com.au/all-tags/insurance-bonds) - [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging) - [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession) [ Read more … ](https://sapience.com.au/blog/how-to-leave-an-inheritance-to-your-grandchildren-but-not-your-adult-children) [ ![middle aged husband and wife sitting in front step of their home](https://sapience.com.au/images/intro-are-you-remarried-with-adult-children-from-a-past-relationship-sapience-financial.jpg) ](https://sapience.com.au/blog/are-you-remarried-with-adult-children-from-a-past-relationship "Are you remarried with adult children from a past relationship?") ## [ Are you remarried with adult children from a past relationship? ](https://sapience.com.au/blog/are-you-remarried-with-adult-children-from-a-past-relationship) --- ### Are you part of the 30% of Australians who have remarried and now have adult children from a past relationship? ### It's a common fact of modern life, people live longer and have more relationships. It's not uncommon for many parents today to be part of a blended family and to each have older (and often soon-to-be adult) children from a former relationship. And when it comes to making a Will, how can you be sure you're kids are not cut out of their inheritance by your new partner? Here's a strategy that might be worth learning more about. - [ inheritance ](https://sapience.com.au/all-tags/inheritance) - [ contractual will agreement ](https://sapience.com.au/all-tags/contractual-will-agreement) - [ defactos ](https://sapience.com.au/all-tags/defactos) - [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging) - [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession) [ Read more … ](https://sapience.com.au/blog/are-you-remarried-with-adult-children-from-a-past-relationship) 1. [ What you can't give away in your Will and why?](https://sapience.com.au/blog/what-you-cant-give-away-in-your-will-and-why) 2. [ How to start the talk about money with your parents without being a jerk](https://sapience.com.au/blog/how-to-start-the-talk-about-money-with-your-parents-without-being-a-jerk) 3. [ What is an account based pension and why should I care?](https://sapience.com.au/blog/what-is-an-account-based-pension-and-why-should-i-care) 4. [ Investing and self control in uncertain times](https://sapience.com.au/blog/investing-and-self-control-in-uncertain-times) 5. [ Understand Risks and Responsibilities of Small Business Owner Directors](https://sapience.com.au/blog/understand-risks-and-responsibilities-of-small-business-owners-and-directors) 6. [ Its enough to make you want to wash your mind out](https://sapience.com.au/blog/its-enough-to-make-you-want-to-wash-your-mind-out) 7. [ The changing face of work and how it will affect us all](https://sapience.com.au/blog/the-changing-face-of-work-and-how-it-will-affect-us-all) ### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business) Page 29 of 73 ## Schema ```json { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home |", "item": "https://sapience.com.au" }, { "@type": "ListItem", "position": 2, "name": "Search Blog by Month", "item": "https://sapience.com.au/resources/search-blog-articles-by-month" } ] } ```