--- 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=124" date: "2026-06-24T20:21:07+00:00" language: "en-GB" --- [ ![](https://sapience.com.au/images/blog/intro-feeling-like-your-life-and-business-have-been-kidnapped-by-the-covid-19-virus-sapience-financial.jpg) ](https://sapience.com.au/blog/feeling-like-your-life-and-business-have-been-kidnapped-by-the-covid-19-virus "Are you feeling like your life and business have been Kidnapped by the Covid-19 Virus?") ## [ Are you feeling like your life and business have been Kidnapped by the Covid-19 Virus? ](https://sapience.com.au/blog/feeling-like-your-life-and-business-have-been-kidnapped-by-the-covid-19-virus) --- ### If you're feeling like your life and business have been Kidnapped by the COVID-19 Virus, we can relate. It's a difficult time affecting us all, and all in very different ways. The opened-ended nature of this worldwide health crisis fuels a sense of uncertainty. And this won't be the last crisis our world sees. This changing environment can kidnap our thinking with the seemingly urgent and distract us from the still important. And our hearts go out to the people who are not in very fortunate situations. - [ Covid-19 ](https://sapience.com.au/all-tags/covid-19) - [ good mental health ](https://sapience.com.au/all-tags/good-mental-health) - [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership) - [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive) [ Read more … ](https://sapience.com.au/blog/feeling-like-your-life-and-business-have-been-kidnapped-by-the-covid-19-virus) [ ![dog and owner walking in park](https://sapience.com.au/images/blog/intro-under-25-and-have-less-than-6000-in-your-super-sapience-financial.jpg) ](https://sapience.com.au/blog/under-25-and-have-less-than-6000-in-your-super "Under 25 and have less than $6,000 in your super?") ## [ Under 25 and have less than $6,000 in your super? ](https://sapience.com.au/blog/under-25-and-have-less-than-6000-in-your-super) --- ### New rules for people under 25 who have super fund balances under $6,000 ### Your Super rules are changing (again) The new rules called **Putting Members' Interests First** start April 1st 2020. **Why is this important?** Most people automatically get a small level of Life Insurance and Total & Permanent Disablement (TPD) insurance when they join a super fund. - From 1 April 2020, if you're under 25 (or with an account balance below $6,000) and have insurance automatically provided to you by your super fund, the insurance rules have changed. - [ super ](https://sapience.com.au/all-tags/super) - [ superannuation ](https://sapience.com.au/all-tags/superannuation) - [ getting more into super ](https://sapience.com.au/all-tags/getting-more-into-super) - [ life insurance benificiaries ](https://sapience.com.au/all-tags/life-insurance-benificiaries) - [ saving and investing ](https://sapience.com.au/all-tags/saving-and-investing) - [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging) - [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance) [ Read more … ](https://sapience.com.au/blog/under-25-and-have-less-than-6000-in-your-super) [ ![faces of different types of friends](https://sapience.com.au/images/blog/intro-friends-flatmates-or-de-factos-and-how-to-tell-them-apart-sapience-financial.jpg) ](https://sapience.com.au/blog/friends-flatmates-or-de-factos-and-how-to-tell-them-apart "Friends, Flatmates or Defactos and how to tell them apart") ## [ Friends, Flatmates or Defactos and how to tell them apart ](https://sapience.com.au/blog/friends-flatmates-or-de-factos-and-how-to-tell-them-apart) --- ### Friends, flatmates or de facto partners - and how to tell them apart ### When it comes to romance and relationships, the emotional decision about who you think is your partner, may be very different from the legal decision about who is legally considered your de facto partner. The questions about who may be a *boyfriend* or *girlfriend* and who is a *de facto* become important distinctions when it comes to **super** payouts, **life insurance** payouts, and **family law** claims on your finances, investments and property interests. - [ blending families ](https://sapience.com.au/all-tags/blending-families) - [ LGBTQIA+ ](https://sapience.com.au/all-tags/lgbtqia) - [ binding nominations ](https://sapience.com.au/all-tags/binding-nominations) - [ defactos ](https://sapience.com.au/all-tags/defactos) - [ pride in advice ](https://sapience.com.au/all-tags/pride-in-advice) - [ 🌳 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/friends-flatmates-or-de-factos-and-how-to-tell-them-apart) [ ![pink piggy bank with face mask](https://sapience.com.au/images/blog/intro-coronavirus-and-life-insurance-sapience-financial.jpg) ](https://sapience.com.au/blog/coronavirus-and-life-insurance "Coronavirus, Life Insurance, Income Protection and You") ## [ Coronavirus, Life Insurance, Income Protection and You ](https://sapience.com.au/blog/coronavirus-and-life-insurance) --- ### We're all in this together ### Getting better at managing our personal and business risks in our connected world The current Coronavirus[ ](https://www.health.gov.au/news/health-alerts/novel-coronavirus-2019-ncov-health-alert)epidemic is going to affect Australian families and businesses - but perhaps not for the reason you suspect. Australians are not new to facing risks to manage. Communities who live in areas of risk have bushfire plans, flood plans and even snow closure emergency plans. - [ Covid-19 ](https://sapience.com.au/all-tags/covid-19) - [ family safety ](https://sapience.com.au/all-tags/family-safety) - [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance) - [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive) [ Read more … ](https://sapience.com.au/blog/coronavirus-and-life-insurance) 1. [ Standing with you through COVID-19](https://sapience.com.au/blog/standing-with-you-through-covid-19) 2. [ Special Alert: End of Agreed Value Income Protection ](https://sapience.com.au/blog/special-alert-end-of-agreed-value-income-protection) 3. [ Creating wealth and prosperity is extra hard work](https://sapience.com.au/blog/creating-wealth-and-prosperity-is-extra-hard-work) 4. [ How to build your personal emergency fund](https://sapience.com.au/blog/how-to-build-your-personal-emergency-fund) 5. [ Trauma Informed Financial Advice](https://sapience.com.au/start-here/good-mental-health-and-money-matters/trauma-informed-advice) 6. [ Do you still have Adult Children living at home?](https://sapience.com.au/blog/do-you-still-have-adult-children-living-at-home) 7. [ Supporting the siblings of people living with a disability or chronic health condition](https://sapience.com.au/blog/supporting-the-siblings-of-people-living-with-a-disability-or-chronic-health-condition) ### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business) Page 32 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" } ] } ```