--- 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=164" date: "2026-06-24T18:59:38+00:00" language: "en-GB" --- [ ![10 pin bowling alley and bowling ball](https://sapience.com.au/images/blog/intro-hidden-road-toll-victims-sapience-financial.jpg) ](https://sapience.com.au/blog/hidden-road-toll-victims "The hidden victims of our road toll") ## [ The hidden victims of our road toll ](https://sapience.com.au/blog/hidden-road-toll-victims) --- ### The hidden victims of our road toll We all read about the terrible road tolls that affect our modern life. Every day the same stark reality of yet another *death on the roads* tempts us to look away, forcing advertising agencies to use increasingly violent images to get our attention. But today with modern technologies and advances in trauma medicine, more people now survive car accidents. The cost of surviving can be devastating to the survivor and their family in both personal and financial ways. - [ total & permanent disability (TPD) ](https://sapience.com.au/all-tags/total-permanent-disability-tpd) - [ crisis insurance ](https://sapience.com.au/all-tags/crisis-insurance) - [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession) - [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance) [ Read more … ](https://sapience.com.au/blog/hidden-road-toll-victims) [ ![wearing pink sneakers under white wedding dress](https://sapience.com.au/images/blog/intro-step-families-and-cinderella-situations-sapience-financial.jpg) ](https://sapience.com.au/blog/step-families-and-cinderella-situations "A Modern Day Cinderella Story") ## [ A Modern Day Cinderella Story ](https://sapience.com.au/blog/step-families-and-cinderella-situations) --- ### The Cinderella like tale of Munro-v-Munro and how a simple preventable mistake, broke the hearts of his two daughters To really understand this real-life story, to need to understand two simple legal facts about self-managed super funds: - The trustee of an SMSF has discretion who to give the balance of your SMSF account to when you pass away. - To remove this discretion and ‘bind the decision of the trustee to follow your instructions’, you need to sign a legally recognised Binding Nomination Form, making your wishes clear and override the discretion of the trustee. Sounds simple enough, right? - [ SMSF ](https://sapience.com.au/smsf) - [ binding nominations ](https://sapience.com.au/all-tags/binding-nominations) - [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession) - [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership) [ Read more … ](https://sapience.com.au/blog/step-families-and-cinderella-situations) [ ![man hugging girl standing in water](https://sapience.com.au/images/blog/intro-who-is-my-superannuation-benificiary-sapience-financial.jpg) ](https://sapience.com.au/blog/who-is-my-superannuation-beneficiary "Who is your super beneficiary?") ## [ Who is your super beneficiary? ](https://sapience.com.au/blog/who-is-my-superannuation-beneficiary) --- ### Who's your super beneficiary? With superannuation now becoming a compulsory part of life, many people soon find they have significant amounts in their super growing at 9.5% per year - the [minimum compulsory amount](https://www.ato.gov.au/Calculators-and-tools/Super-guarantee-contributions/) all employers are required to withhold from your income and deposit into your super account, for your retirement. In reality, if you passed away today, the value of your super account could be significantly higher because of a ‘hidden’ life insurance component. - [ super ](https://sapience.com.au/all-tags/super) - [ family provision ](https://sapience.com.au/all-tags/family-provision) - [ nominated benificiary ](https://sapience.com.au/beneficiary) - [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance) [ Read more … ](https://sapience.com.au/blog/who-is-my-superannuation-beneficiary) [ ![](https://sapience.com.au/images/blog/intro-status-money-beliefs-sapience-financial.jpg) ](https://sapience.com.au/blog/status-money-beliefs "What happens if you unconsciously equate money with Status?") ## [ What happens if you unconsciously equate money with Status? ](https://sapience.com.au/blog/status-money-beliefs) --- ### Are you still living up to your parent's expectations of your own money? Below are four questions we ask our clients to help them consider could their adult relationship with money today, be unconsciously influenced by their parent's money attitudes from childhood. - [ moneyisms ](https://sapience.com.au/all-tags/moneyisms) - [ money talk ](https://sapience.com.au/all-tags/money-talk) - [ saving and investing ](https://sapience.com.au/all-tags/saving-and-investing) - [ mindset ](https://sapience.com.au/all-tags/mindset) - [ money culture ](https://sapience.com.au/all-tags/money-culture) - [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance) [ Read more … ](https://sapience.com.au/blog/status-money-beliefs) 1. [ What happens if you unconsciously idolise money?](https://sapience.com.au/blog/idolise-money-beliefs) 2. [ What happens if you unconsciously Avoid money?](https://sapience.com.au/blog/avoidant-money-beliefs) 3. [ Can a person with diabetes get life insurance?](https://sapience.com.au/blog/can-a-person-with-diabetes-get-life-insurance) 4. [ When young families lose a parent](https://sapience.com.au/blog/when-young-families-lose-a-parent) 5. [ The question every blended family wants answered (but never asks)](https://sapience.com.au/blog/the-question-every-blended-family-wants-answered-but-never-asks) 6. [ What's really at stake when you borrow with others?](https://sapience.com.au/blog/whats-really-at-stake-when-you-borrow-with-others) 7. [ Think before you refinance the mortgage](https://sapience.com.au/blog/think-before-you-refinance-the-mortgage) ### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business) Page 42 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" } ] } ```