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.
The question is more about 'when', not 'if'. Financial life is, well complicated.
We all experience a dry spell from time to time and if you're in business a cash flow squeeze. It's the part of life that happens to everyone.
But then to make matters worse comes slow debtors, perhaps sickness or accident forcing time off work, supporting frail aged parents with declining health or maybe a family law court financial settlement after a relationship change or retrospective investment property land tax (thankyou OSR).
Financial life when we're honest is complicated.
The other day when talking with Little Miss 5 about the cost of having her birthday party at the local gold class cinema, she casually gave me some financial advice to, "just go to the money machine in the wall and get the money".
I realised it was time to begin to explain where money comes from, after all, it's up to the adults in the lives of children to model helpful behaviours as our children begin their journey of understanding money.
How do you start ‘the talk’ with your kids?
"No, not that talk... the other big talk."
Parents all ask the same question
After 20+ years working as a financial adviser, you get to see patterns in people's actions and, more importantly, their questions.
The number one question I get asked by parents of all ages is,
‘How can I help my kids get ahead in life?’
Need to get early access to some of your super?
Nothing starts a heated conversation between mates at a BBQ quicker than a question about superannuation and whether you should be allowed to get access to it before you retire.
The government's stated purpose behind our national compulsory super savings plan is to provide people income in retirement to substitute (or supplement) the Age Pension. This is known as the sole purpose test.
- Who gets your super and its life insurance, when you die?
- How to split expenses as a Couple
- Downsize your home and put the profit into your super
- Who can make emergency medical decisions for you?
- Financial Advice for Same-Sex Couples
- The Better Business Book Vol 3 (now also on Kindle )
- Test your Christmas Trivia Skills!
