--- 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=232" date: "2026-06-24T12:05:20+00:00" language: "en-GB" --- [ ![home sign](https://sapience.com.au/images/intro-co-owners-and-the-new-way-to-buy-property-sapience-financial.jpg) ](https://sapience.com.au/blog/co-owners-and-the-new-way-to-buy-property "Co-Owners and the new way to buy property and help your kids") ## [ Co-Owners and the new way to buy property and help your kids ](https://sapience.com.au/blog/co-owners-and-the-new-way-to-buy-property) --- ### 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. - [ mortgage ](https://sapience.com.au/all-tags/mortgage) - [ income protection ](https://sapience.com.au/all-tags/income-protection) - [ investment property ](https://sapience.com.au/all-tags/investment-property) - [ saving and investing ](https://sapience.com.au/all-tags/saving-and-investing) - [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance) [ Read more … ](https://sapience.com.au/blog/co-owners-and-the-new-way-to-buy-property) [ ![people working at cafe](https://sapience.com.au/images/blog/intro-common-mistakes-with-employer-super-obligations-sapience-financial.jpg) ](https://sapience.com.au/blog/common-mistakes-with-employer-super-obligations "Common mistakes with Employer Super Obligations") ## [ Common mistakes with Employer Super Obligations ](https://sapience.com.au/blog/common-mistakes-with-employer-super-obligations) --- ### Common mistakes with Employer Super Obligations The Australian Tax Office (ATO) runs education campaigns for business owners in the services industries to help them better understand their super obligations. These are some of the most common mistakes employers make - [ small business ](https://sapience.com.au/all-tags/small-business) - [ superannuation ](https://sapience.com.au/all-tags/superannuation) - [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership) [ Read more … ](https://sapience.com.au/blog/common-mistakes-with-employer-super-obligations) [ ![](https://sapience.com.au/images/blog/interview-microphone.jpg) ](https://sapience.com.au/blog/smsf-and-liquidity-risks "SMSF and Liquidity Risks") ## [ SMSF and Liquidity Risks ](https://sapience.com.au/blog/smsf-and-liquidity-risks) --- ### Important Video Interview about new liabilities for SMSF Trustees ### An interview with David Glenn Special Legal Counsel TAL Insurance and Drew Browne Senior Advisor at Sapience about the new and important issue facing Self Managed Super Fund (SMSF) Trustees #### *Important update for SMSF Trustees* In August 2012, the Australian Government made an amendment to the [SIS Act in Regulation 4.09](http://www.austlii.edu.au/au/legis/cth/consol_reg/sir1994582/s4.09.html). ASIC has made it very clear that compliance with Reg 4.09 is a non—negotiable requirement for SMSF Trustees. - [ SMSF ](https://sapience.com.au/smsf) - [ life insurance benificiaries ](https://sapience.com.au/all-tags/life-insurance-benificiaries) - [ SMSF liquidity ](https://sapience.com.au/smsf-liquidity) - [ risk education videos ](https://sapience.com.au/all-tags/risk-education-videos) - [ video transcript ](https://sapience.com.au/all-tags/video-transcript) - [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance) [ Read more … ](https://sapience.com.au/blog/smsf-and-liquidity-risks) [ ![](https://sapience.com.au/images/blog/intro-life-is-complicated-without-the-instructions-sapience-financial.jpg) ](https://sapience.com.au/blog/life-is-complicated-without-the-instructions "Life is complicated without the instructions") ## [ Life is complicated without the instructions ](https://sapience.com.au/blog/life-is-complicated-without-the-instructions) --- ### Life can be complicated without the instructions It's no argument this holds true for our financial and investment life too [LEGO](https://en.wikipedia.org/wiki/The_Lego_Group) building blocks have always been part of happy memories for so many of our clients (apart from stepping on a piece accidentally late at night getting for a glass of water). Many people don't realise they initially were made of wood with the plastic extrusion versions only beginning in 1947. - [ LEGO Fun ](https://sapience.com.au/all-tags/lego-fun) - [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive) [ Read more … ](https://sapience.com.au/blog/life-is-complicated-without-the-instructions) 1. [ The biggest risk in small business is also the most manageable](https://sapience.com.au/blog/modern-small-business/the-biggest-risk-in-small-business-is-also-the-most-manageable) 2. [ Your customer will only really remember how you made them feel](https://sapience.com.au/blog/modern-small-business/your-customer-will-only-really-remember-how-you-made-them-feel) 3. [ Default settings are not safe for business owners](https://sapience.com.au/blog/modern-small-business/default-settings-are-not-safe-for-business-owners) 4. [ Would you prefer to talk with your teenager about sex or money?](https://sapience.com.au/blog/modern-small-business/would-you-prefer-to-talk-with-your-teenager-about-sex-or-money) 5. [ When two rights get it wrong in leading a team](https://sapience.com.au/blog/modern-small-business/when-two-rights-get-it-wrong-in-leading-a-team) 6. [ What to say when you don't know what to say](https://sapience.com.au/blog/modern-small-business/what-to-say-when-you-dont-know-what-to-say) 7. [ Your future arrived yesterday, but it’s in three pieces](https://sapience.com.au/blog/modern-small-business/your-future-arrived-yesterday-but-its-in-three-pieces) ### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business) Page 59 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" } ] } ```