---
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=88"
date: "2026-06-24T20:06:51+00:00"
language: "en-GB"
---

[ ![mother and young daughter laughing at content displaying on a tablet device](https://sapience.com.au/images/blog/intro-what-are-the-odds-of-you-needing-to-claim-on-your-personal-insurance-sapience-financial.jpg) ](https://sapience.com.au/blog/what-are-the-odds-of-you-needing-to-claim-on-your-personal-insurance "What are the odds of you needing to claim on your personal insurance?") ##  [ What are the odds of you needing to claim on your personal insurance? ](https://sapience.com.au/blog/what-are-the-odds-of-you-needing-to-claim-on-your-personal-insurance)

---

### Some things in life affect us all equally—regardless of who we are

### These things aren't personal - actually, they're just statistical.

These numbers and what they warn us about are the same for everyone without discrimination.

In the perfect world, everyone will have enough money to be able to purchase the right amount of personal insurance they need to make sure every part of their life is protected from the statistical realities we all face - we call these statistical risks <a id="The-Numbers-of-Life">**The Numbers of Life**</a>.

- [ the numbers of life ](https://sapience.com.au/all-tags/the-numbers-of-life)
- [ 🛡️ Specialist Risk &amp; Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)
- [ 🏠 Wealth Builders &amp; Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/what-are-the-odds-of-you-needing-to-claim-on-your-personal-insurance)

  [ ![Three business friends eating a meal and laughing](https://sapience.com.au/images/blog/intro-looking-for-a-partner-sapience-financial.jpg) ](https://sapience.com.au/blog/looking-for-a-business-partner "Looking for a Business Partner?") ##  [ Looking for a Business Partner? ](https://sapience.com.au/blog/looking-for-a-business-partner)

---

### Looking for a partner for fun times, financially secure, and broad-minded? (a Business partner that is?)

Perhaps because of the uncertain business climate or the rise of the [Gig Economy](https://sapience.com.au/blog/growing-a-side-business-while-working-a-full-time-job), more people are deciding to pool their talents and go into business together.

This can take the form of a *formal written agreement* to work together, or an *informal arrangement* [to work independently](https://sapience.com.au/index.php?option=com_content&view=article&id=245:the-changing-face-of-work-and-how-it-will-affect-us-all&catid=83:blog&Itemid=734) but support and preference each other's independent businesses by referring work to each other.

- [ small business ](https://sapience.com.au/all-tags/small-business)
- [ partnership agreements ](https://sapience.com.au/all-tags/partnership-agreements)
- [ managing small business risks ](https://sapience.com.au/all-tags/managing-small-business-risks)
- [ 🤝 Small Business Risk &amp; Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)

 [ Read more … ](https://sapience.com.au/blog/looking-for-a-business-partner)

  [ ![two middle aged brothers talking at a family bbq](https://sapience.com.au/images/blog/intro-family-loan-agreements-a-precaution-not-a-plan-sapience-financial.jpg) ](https://sapience.com.au/blog/family-loan-agreements-a-precaution-not-a-plan "Family Loan Agreements - a Precaution not a Plan") ##  [ Family Loan Agreements - a Precaution not a Plan ](https://sapience.com.au/blog/family-loan-agreements-a-precaution-not-a-plan)

---

### Are you thinking about whether to provide a large amount of money to a family member?

Providing money for family members for a home loan deposit or an aged care accommodation bond is increasingly becoming a part of many people's lives.

But how do you protect the Giver and the Receiver from the unintended consequences of these decisions?

The answer is with a legally drafted and documented **Family Loan Agreement**.

- [ Get Life Confident ](https://sapience.com.au/all-tags/get-life-confident)
- [ lending money to the kids ](https://sapience.com.au/all-tags/lending-money-to-the-kids)
- [ money advice for the kids ](https://sapience.com.au/all-tags/money-advice-for-the-kids)
- [ family loan agreement ](https://sapience.com.au/all-tags/family-loan-agreement)
- [ 🌳 Family, Legacy &amp; Aging ](https://sapience.com.au/insights/family-legacy-aging)
- [ ⚖️ Estate Law &amp; Succession Planning ](https://sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://sapience.com.au/blog/family-loan-agreements-a-precaution-not-a-plan)

  [ ![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-2021-22 "Federal Budget Summary 2021-22") ##  [ Federal Budget Summary 2021-22 ](https://sapience.com.au/blog/federal-budget-summary-2021-22)

---

### Quick Federal Budget Summary for 2021-2022

### The 2021-22 Federal Budget has a number of highlights relevant to many of our clients, friends, and supporters explored further below.

- [ 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-2021-22)

1. [ Three facts of modern life: Death, Taxes &amp; Increasing Petrol Prices](https://sapience.com.au/blog/three-facts-of-modern-life-death-taxes-increasing-petrol-prices)
2. [ Learning new skills to survive another different kind of year](https://sapience.com.au/blog/learning-new-skills-to-survive-another-different-kind-of-year)
3. [ Is it time for you to get more money into your super fund?](https://sapience.com.au/blog/is-it-time-for-you-to-get-more-money-into-your-super-fund)
4. [ Helping adult children become financially independent is harder than you think](https://sapience.com.au/blog/helping-adult-children-become-financially-independent-is-harder-than-you-think)
5. [ Australian Company Directors now need a Directors ID Number](https://sapience.com.au/blog/australian-company-directors-now-need-to-have-a-directors-id-number-asap)
6. [ COVID-19 &amp; Life Insurances FAQs](https://sapience.com.au/blog/covid-19-and-life-insurances-faqs)
7. [ When your child asks about money](https://sapience.com.au/blog/when-your-child-asks-about-money)

### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business)

 Page 23 of 73

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