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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.
Goodbye 2020
Now that 2020 is behind us, it's time to check in on the emotional and financial damage suffered by the millions of Australians affected by COVID-19.
Job losses for some, reduced work hours for others, still, others forced into early retirement - ready or not - many small businesses surviving one month at a time and families trying to make sense of lockdowns and restrictions - it’s safe to say there will be many COVID-19 flow on effects yet unseen.
We’ll all need to work through in some way.
What happens when business owners use their own money in the business?
Most small to medium business owners will tell you they went into business to provide for their family, in greater flexibility, time, increased resources, and leaving a legacy.
Like most long term plans, building a self sustaining business takes time; time to mature, time to stabilise in the market, and time to return the capital invested.
To achieve this, the majority of business owners use debt and overdraft facilities as ongoing business tools.
And these types of financial tools can quickly work against you and your family if you're unprepared.
Let's not do this year again
This year, 2020 has been a year where the confidence of many people has been tested.
In Australia it started in January 2020 with;
- unseasonably extreme bushfires that burnt over 46 million acres (or 186,000 square kilometers) with devastating effects on life; and then
- major flooding over Queensland and NSW that saw a year's worth of rain delivered in just a few days, with devastating effects; and then
- the global coronavirus pandemic; (first declared a Public Health Emergency of International Concern in January 2020, and then a Pandemic in March 2020).
As we close out 2020, it's fair to say, ‘it's been a tough year’.
Living with depression or an anxiety disorder shouldn’t stop you from getting your life insurances sorted.
As if living with a mental illness, like anxiety or depression, wasn’t difficult enough - getting your life insurance sorted when you're living with these conditions can seem overwhelming too.
Thankfully good mental health is now becoming part of the regular conversations for many Australians.
Here are tips to help navigate the application process.
- How to leave an inheritance to your Grandchildren, but not your adult children
- Are you remarried with adult children from a past relationship?
- What you can't give away in your Will and why?
- How to start the talk about money with your parents without being a jerk
- What is an account based pension and why should I care?
- Investing and self control in uncertain times
- Understand Risks and Responsibilities of Small Business Owner Directors
