--- 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=52" date: "2026-06-24T12:50:35+00:00" language: "en-GB" --- [ ![telescope on ship ](https://sapience.com.au/images/blog/intro-federal-budget-summary-2018-19-sapience-financial.jpg) ](https://sapience.com.au/blog/federal-budget-summary-2024-25 "Federal Budget Summary 2024-25") ## [ Federal Budget Summary 2024-25 ](https://sapience.com.au/blog/federal-budget-summary-2024-25) --- ### Quick Federal Budget Summary for 2024-2025 ### The 2024-25 Federal Budget has a number of highlights relevant to many of our clients, friends, and supporters explored further below. Here are some important things about taxes and retirement savings from the Budget that can help people and businesses plan their finances. - [ federal budet highlights ](https://sapience.com.au/all-tags/federal-budet-highlights) - [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive) [ Read more … ](https://sapience.com.au/blog/federal-budget-summary-2024-25) [ ![angry soccer referee blowing whistle and showing a red card](https://sapience.com.au/images/blog/intro-can-you-be-disqualified-from-running-an-smsf-sapience-financial.jpg) ](https://sapience.com.au/blog/can-you-be-disqualified-from-running-an-smsf "Can you be disqualified from running an SMSF?") ## [ Can you be disqualified from running an SMSF? ](https://sapience.com.au/blog/can-you-be-disqualified-from-running-an-smsf) --- ### The risks of getting shown the Red Card as an SMSF Trustee In soccer, a player who is shown a red card is instantly sent off the field, disqualified from playing for the remainder of the match and cannot be replaced. The red card is issued for serious offences, violent conduct, dangerous play, and any action that brings the game into disrepute. But in the world of SMSF, a red card from the regulator, the ATO, is much more painful and can be a permanent ban on a person ever being able to be the Trustee of their SMSF. - [ SMSF ](https://sapience.com.au/smsf) - [ SMSF liquidity ](https://sapience.com.au/smsf-liquidity) - [ SMSF audit ](https://sapience.com.au/all-tags/smsf-audit) - [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance) [ Read more … ](https://sapience.com.au/blog/can-you-be-disqualified-from-running-an-smsf) [ ![professional women feeling the strain of higher education HECS debt uncertainty](https://sapience.com.au/images/blog/intro-what-happens-to-my-hecs-help-debt-if-i-die-sapience-financial.jpg) ](https://sapience.com.au/blog/what-happens-to-my-government-hecs-or-help-debt-when-i-die "What happens to my government HECS or HELP Debt when I die?") ## [ What happens to my government HECS or HELP Debt when I die? ](https://sapience.com.au/blog/what-happens-to-my-government-hecs-or-help-debt-when-i-die) --- ### Managing the burden of student loans If you’ve ever been a student striving for higher education in Australia, it won't take long before the terms 'HECS loan' or 'HELP loan' are likely to come up in conversation about ways to pay education tuition fees. Close by are the questions about, 'Should I make voluntary repayments to my outstanding HECS-HELP debt,' and even 'What happens to my HECS-HELP debt if I die? - [ refinancing a mortgage ](https://sapience.com.au/all-tags/refinancing-a-mortgage) - [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning) - [ student debt ](https://sapience.com.au/all-tags/student-debt) - [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession) [ Read more … ](https://sapience.com.au/blog/what-happens-to-my-government-hecs-or-help-debt-when-i-die) [ ![three generations of happy men playing video games together](https://sapience.com.au/images/blog/intro-plan-on-leaving-a-meaningful-inheritance-not-a-nightmare-sapience-financial.jpg) ](https://sapience.com.au/blog/plan-on-leaving-a-meaningful-inheritance-not-a-nightmare "Plan on leaving a meaningful inheritance, not a nightmare") ## [ Plan on leaving a meaningful inheritance, not a nightmare ](https://sapience.com.au/blog/plan-on-leaving-a-meaningful-inheritance-not-a-nightmare) --- ### Plan on leaving something to your kids when you pass away? Each year as we review the Google web traffic to our site, we regularly see in our top 10 most-read articles our blog article called, '[How to Split an Unsplittable Inheritance](https://sapience.com.au/index.php?option=com_content&view=article&id=582:how-to-split-an-unsplittable-inheritance&catid=83:blog&Itemid=734)'. Clearly, there's a lot of interest in this ongoing question, particularly now as most families in Australia own property or business assets - all different assets with different values – and these are by nature usually often hard to divide equally between beneficiaries to a Will, without destroying the value of those separate assets. - [ estate planning for company directors ](https://sapience.com.au/all-tags/estate-planning-for-company-directors) - [ inheritance management ](https://sapience.com.au/all-tags/inheritance-management) - [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning) - [ Protective Wills ](https://sapience.com.au/all-tags/protective-wills) - [ Mutual Wills ](https://sapience.com.au/all-tags/mutual-wills) - [ step families ](https://sapience.com.au/all-tags/step-families) - [ estate equalisation ](https://sapience.com.au/all-tags/estate-equalisation) - [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession) [ Read more … ](https://sapience.com.au/blog/plan-on-leaving-a-meaningful-inheritance-not-a-nightmare) 1. [ Test your Christmas Trivia Skills in 2023!](https://sapience.com.au/blog/christmas-trivia-2023) 2. [ Challenges mount for SMSF Auditors: A Tough Year Turns Tougher Ahead](https://sapience.com.au/blog/challenges-mount-for-smsf-auditors-a-tough-year-turns-tougher-ahead) 3. [ Everyone needs to know more about Diabetes](https://sapience.com.au/blog/everyone-needs-to-know-more-about-diabetes) 4. [ Save your First Home Deposit Faster with the First Home Super Saver Scheme (FHSS)](https://sapience.com.au/blog/save-your-first-home-deposit-faster-with-the-first-home-super-saver-scheme) 5. [ Getting control of SMSF Liquidity Risk](https://sapience.com.au/blog/getting-control-of-smsf-liquidity-risk) 6. [ Hot Chips, Seagulls, Relatives and the Tax Office](https://sapience.com.au/blog/hot-chips-seagulls-relatives-and-the-tax-office) 7. [ Only Owning Half the Business Pie](https://sapience.com.au/blog/only-owning-half-the-business-pie) ### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business) Page 14 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" } ] } ```