Search Articles from our Blog By Month
At Sapience Financial, much of our advice involves helping people learn new skills and insights.
- We have a range of individually hand-crafted Blog Articles relevant to our client's needs and lives.
- We also have separate more in-depth Key Articles to help you understand some of the practical details of our specialty products and services in greater depth, specific to the needs of many of our small business clients, friends, and supporters.
Use the blue site Search Button at the top right corner of our site. And if you really want to drill down through our data for something very specific, you can also search by Article Tag here. Alternatively, if you're looking for something in particular, just get in contact here.
Below you can search our archive of Blog Articles by title or date published.
When can you make a contribution to your spouses super fund and claim a tax credit yourself?
If your spouse (wife, husband, de facto or same-sex partner) is a stay at home parent, is a low-income earner, or not working at the moment, chances are they’re not increasing their super and might have little or no super to fund their retirement.
The good news is if you want to help you can put money into their super, and you might be eligible for a personal tax offset while helping to create a better future.
Feeling guilty about deciding between paying down your mortgage or topping up your super?
After all putting extra money into your mortgage means you can pay off your debt quicker and save interest, but putting extra money into super builds your retirement nest egg.
Sounds like an impossible choice?
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.
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?
- Who is your super beneficiary?
- What happens if you unconsciously equate money with Status?
- What happens if you unconsciously idolise money?
- What happens if you unconsciously Avoid money?
- Can a person with diabetes get life insurance?
- The question every blended family wants answered (but never asks)
- What's really at stake when you borrow with others?
