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 changing face of work and how it will affect us all
Over the last decades, the world of work has changed dramatically. While the traditional career model of a job for life is fading, self-employment and ‘gig’ working is becoming more commonplace.
The hard reality is while the emerging gig economy promises flexibility, our banking and superannuation systems have not kept up with the changes and now only adds to the new stressors our community of casual workers is facing.
Have you ever thought about running a small business on the side while working your full-time job?
Perhaps you're already part of the new gig-economy and providing work-on-demand services back to your past employer.
For many people, working a side hustle is becoming more and more important in our growing world of temporary contracts and flexible working hours.
While providing flexibility (and promising better work-life harmony), growing a side business also requires a new business owner to learn new skills and new habits, before success arrives.
Here are some common financial mistakes time-poor new business owners can avoid.
If you're feeling like your life and business have been Kidnapped by the COVID-19 Virus, we can relate.
It's a difficult time affecting us all, and all in very different ways. The opened-ended nature of this worldwide health crisis fuels a sense of uncertainty. And this won't be the last crisis our world sees.
This changing environment can kidnap our thinking with the seemingly urgent and distract us from the still important.
And our hearts go out to the people who are not in very fortunate situations.
New rules for people under 25 who have super fund balances under $6,000
Your Super rules are changing (again)
The new rules called Putting Members' Interests First start April 1st 2020.
Why is this important?
Most people automatically get a small level of Life Insurance and Total & Permanent Disablement (TPD) insurance when they join a super fund.
- From 1 April 2020, if you're under 25 (or with an account balance below $6,000) and have insurance automatically provided to you by your super fund, the insurance rules have changed.
- Friends, Flatmates or Defactos and how to tell them apart
- Coronavirus, Life Insurance, Income Protection and You
- Standing with you through COVID-19
- Special Alert: End of Agreed Value Income Protection
- Creating wealth and prosperity is extra hard work
- How to build your personal emergency fund
- Trauma Informed Financial Advice
