Search Articles from our Finance 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 Financial 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.
Getting Life insurance while living with Sleep Apnea
Sleep Apnea is a condition where your breathing stops and starts while you sleep. In Australia, an estimated 5% of the population has sleep apnoea, translating into approximately 1 in 20 Australians being affected.
While sleep apnea isn't usually classed as a life-threatening condition, it’s seen as a pre-existing health condition and so requires some additional information when you're applying for life insurance or disability insurance, so the underwriter can better understand what you're living with.
Some decisions should never be left to chance (because you may not survive the outcome)
In Australia, the ability to make your own medical decisions is referred to as your 'decision-making capacity.' And when you have it, you probably don't think about it much. But when a person loses their decision making capacity (eg: due to a temporary illness, surgery, motor vehicle or workplace accident, or a more permanent cognitive decline), someone else needs to step in to make those medical decisions on a person's behalf.
The good news is you can appoint your own Person Responsible with legal authority to consent to (or even refuse) medical treatment on your behalf. But here is the problem; you need to have this legal document in place ahead of time, before you need it.
Don't Go Under Without It: Your Pre-Surgery Financial & Estate Planning Checklist
Facing surgery is, understandably, a significant moment. Beyond the medical preparations, it naturally prompts us to pause and consider the 'what ifs?'
But where do you begin when it comes to safeguarding your financial future before an operation? What essential steps and documents should you have in place?
A question we're asked, on behalf of a friend is, 'Could my mistress challenge my Will?' Another question then follows, for more inquiring minds, 'What about a gay lover then?'
Good financial advice is about knowing that life, love and relationships are inherently personal and so sometimes our financial advice needs to be equally personal too.
- Living with MS? Exploring Your Life Insurance Possibilities
- Federal Budget Summary 2025-26
- Owning Overseas Assets and making an Australian Will document
- Gifts, Loans and Debt Forgiveness
- Tips for Applying for Life Insurance when using Cannabis Oil
- Our 20 Most Frequently Asked Questions about being named the Executor of a persons Will
- Time flies when you’re having fun but even faster when you're in Small Business
