Mar 11

Prepare for Life: March 2019

Posted by Peter Marmara-Stewart at Monday, March 11, 2019

We would like to share with you our March 2019 issue for Prepare for Life.

In this issue:

Paying it Forward - Do you ever get to the stage when you think you have just got on top of your finances and then a big bill arrives? (See more...)

Goal-Based Risk - It is common in the finance industry to use people’s subjective feelings about risk as part of the process to develop a particular investment strategy. (See more...)

Claiming an Age Pension - The process of claiming an Age pension can be complicated and daunting. (See more...)

We hope you find this newsletter a good read. If you have questions on any of these topics, please do not hesitate to contact us.

Mar 04

Autumn 2019 Quarterly Insight Newsletter

Posted by Peter Marmara-Stewart at Monday, March 04, 2019

New year, new start

Summer has come to an end and those days by the beach may be feeling like a distant memory as the year really kicks into gear.

Our first edition for the year has a range of articles to inform, inspire and set you up for a successful and prosperous 2019.

We’re covering everything from budgeting tips to deal with cost of living increases, to the need to consider your medium-term goals and even investment psychology – specifically how to avoid the pack mentality in your approach to investing. With Valentine’s day just behind us, we also take a look at love, money and the importance of communication, before finishing on an important lesson outlining how to teach your kids about finances.

Family finances - the tick of approval? - As the prices of petrol, groceries, school fees, electricity and water all creep upward, families are under increasing pressure just to make ends meet. (See more...)

Using technology to keep your finances in great shape - While online banking has given bank customers the ability to check their balance and monitor ingoings and outgoings easily, today’s finance apps go much further than this. (See more...)

Keep your eye on your medium term goals - When it comes to setting financial priorities, medium-term goals often suffer from middle child syndrome, not taken as seriously as the oldest or indulged as much as the youngest. (See more...)

Investing and avoiding the ‘pack mentality’ - Many of us yearn to have the cold, hard, robotic logic of the world’s most successful investors. Unfortunately, we ordinary folk are governed by something a bit more basic. Something that even those stock market legends had to struggle through at the very start. (See more...)

Love and money - maintaining financial harmony - As a wise man once said, “I don’t know what they want from me. It’s like the more money we come across, the more problems we see.” (See more...)

Money lessons for kids - While some wealthy parents may believe their progeny are not equipped to handle wealth wisely, others simply want their kids to learn how to strive to get ahead just as they did. (See more...)

2019 also promises to be a big year on the national and global stage, with concerns about property prices and the upcoming Federal Election cause for much conversation.

With all that said, now is the perfect time to book in for a review. We can help you put your goals in focus and create a financial strategy that takes into account both external factors and your personal situation.

We hope you’re enjoying the new year. Enjoy the read.

Dec 04

Prepare for Life: December 2018

Posted by Peter Marmara-Stewart at Tuesday, December 04, 2018

We would like to share with you our December 2018 issue for Prepare for Life.

In this issue:

Christmas Shopping – protecting yourself online - As we get closer to Christmas, our thoughts turn to shopping for the holidays. (See more...)

Who gets your Super? - While it is often uncomfortable to think about our mortality, thinking about how we would like our wealth transferred to our loved ones after we die is something that deserves a little thought. (See more...)

The Tax Advantages of Super - One of the attractions of superannuation is the fact that super funds are very favourably taxed. (See more...)

We hope you find these articles useful. If you have questions on any of these topics, feel free to contact us.

Oct 17

Spring 2018 Quarterly Insight Newsletter

Posted by Peter Marmara-Stewart at Wednesday, October 17, 2018

Spring is the time when sports mad junkies get their fix
It is the start of the football finals, and racing carnival
Questions like will Winx win another Cox plate, will another European rider take away the Melbourne Cup, will Richmond take out the AFL premiership again, and will it be a Melbourne, NSW or Queensland team that wins the NRL in 2018.

Spring is also the time from a financial planning point of view where we encourage clients to undertake a spring clean and review plans to see if they are still on track or need tweaking.

In this edition, you will find a number of articles on Superannuation, alternative ways to pay for Life Insurance, and an article on the magic of the number 72, and financial abuse.

Economic Outlook – Asia/Pacific - For all the noise that has arisen out of this region, we remain constructive on its outlook. (See more...)

The Rule of 72 - Why 72 is The Answer to The Ultimate Question of Life, The Universe and Everything (not 42 as Douglas Adams would have you believe!). (See more...)

Is there a better way to pay insurance? - Superannuation changes introduced in 2017 have opened new opportunities, whereby employees can use their superannuation to fund their insurance needs. (See more...)

Five Finance Tips, Get in shape this financial year - As a new financial year begins, there’s no better time to take a step back and review your finances. (See more...)

SUPERANNUATION: is it time to review your investments? - You may be missing out or taking unnecessary risks if you take a set-and-forget strategy to your super. (See more...)

Lessons from the market - Every market cycle – bull or bear – provides opportunities for investors to improve their process for investing. (See more...)

A Tale of Abuse - This is a story that was recently published in a financial planning industry magazine and is typical, unfortunately of the type of problems that are often referred to a financial planner for assistance. (See more...)

If nothing more, we hope the newsletter gets you thinking about us, and prompts you to consider making a time for a review meeting.

I urge you to call our office to discuss any article or any matter relating to your own personal circumstances.

We are here to help, and as an example, if you would like to arrange a review of any of your finance needs, I can introduce you to assistance with home loans, investment loans, construction loans, tax debt finance, car loans or any business equipment finance.

I hope you enjoy Spring, and the next time when you are working out how much your investments may be worth over time, you can use the rule of 72 to help with your calculations.

Sep 10

Prepare for Life: September 2018

Posted by Peter Marmara-Stewart at Monday, September 10, 2018

We would like to share with you our September 2018 issue for Prepare for Life.

In this issue:

Are Australians having a personal debt crisis? - Credit seems to be everywhere. Visit the local shopping centre and we will be enticed by interest-free terms on a new lounge, bed, TV, or white goods. More and more shops are offering access to ‘Afterpay’, and of course, credit cards are accepted everywhere. (See more...)

Ten years, Twenty Headlines - Have you read the news today? Chances are there’s something happening in the world with the potential to keep you awake at night. But while it’s one thing to follow the news, it’s another to act on it in a way that can backfire on you as an investor. (See more...)

Pensioner or Seniors Concession Card? - Depending on where you reside in Australia, there is a wide variety of cards and concessions on offer to people over the age of 60 or 65. (See more...)

We hope you find this newsletter of value to you. If you have questions on any of these topics, please contact us.

Jun 11

Prepare for Life: June 2018

Posted by Peter Marmara-Stewart at Monday, June 11, 2018

We would like to share with you our June 2018 issue for Prepare for Life.

In this issue:

Are you prepared? - This article may appear a little morbid, but the reality of life is that in most cases we do not get to choose the timing of our passing. (See more...)

Determining the value of financial advice in the wake of the Royal Commission - In the wake of the Royal Commission (RC), many clients want answers about what’s going on in the industry. (See more...)

Relationship breakdowns – splitting Super - While not a particularly happy topic, the breakdown of a relationship between partners is a reality in the modern world. (See more...)

We hope you find this newsletter a good read. If you have questions on any of these topics, do not hesitate to contact us.

Apr 11

Autumn 2018 Newsletter

Posted by Peter Marmara-Stewart at Wednesday, April 11, 2018

Christmas festivity, New Year resolutions, and the summer fun of 2018 is now but a memory.

Even the early Easter we have just enjoyed in days, weeks and months, a reminder of just how fast time passes.

As each of these events moves from the future to the present to the past, it reminds me of a piece of literature that quotes that winter is slumber, spring is birth, summer is life and autumn rounds out a period of reflection.

Autumn is said to be the time when mother earth has just closed the curtain on another year and it's time to reflect on what has come before, and for this reason, Autumn carries more gold in its pocket than all the other seasons.

If we do look to take some of these quotes literally, from a planning perspective, Autumn is the ideal time to reflect on finances, yet difficult as living in the present is often time deprived.

It takes a commitment to plan today for tomorrow, and the past is gone before you even realise it.

In autumn, we find ourselves with 3 months of the present, a time we also have almost 90 days to go before the end of another financial year has passed.

This quarter's newsletter is looking to remind our clients there is ample time to plan, review, and maximise current opportunities.

Inheritance, Centrelink and Wills - By the pure nature of it, receiving an inheritance tends to come at a time when we are grieving, and at this distressing time, we need to understand whether the inheritance itself impacts a Centrelink aged pension benefit. (See more...)

Do you need income protection? - We all insure our cars and our properties but not all self-employed persons insure their income. Income protection insurance replaces the income lost through your inability to work due to injury or sickness. (See more...)

Health News: Fasting - It’s odd to think that depriving yourself of a necessity for life might be one of the most powerful ways to transform your health. (See more...)

Tax-effective Investment Bonds - Most investors consider superannuation for long term tax-effective savings and despite all the changes over the years, maximising the superannuation rules is paramount in all client’s retirement plans. (See more...)

Finance News Network - We are finding that a lot of our clients are enjoying the membership of this on live TV. The Finance News Network is one of the largest providers of online finance video news in Australia. (See more...)

We have looked to cover a range of topics and ask that if you would like to make a time to have a pre June 30 review meeting, discuss any of the articles in this newsletter, or simply get an update on any of your current investments, insurances, finances, superannuation or tax matters, please call our office, as we are here to encourage and work with you on these important wealth matters.

We hope you enjoy the Newsletter.

Mar 14

Prepare for Life: March 2018

Posted by Peter Marmara-Stewart at Wednesday, March 14, 2018

We would like to share with you our March 2018 issue for Prepare for Life.

In this issue:

Switching or consolidating Super funds can be a very risky business - Super fund members are regularly encouraged to consolidate their super accounts into one account to reduce paperwork and avoid paying multiple administrative fees and charges for accounts they don’t need. (See more...)

Downsizing – making extra contributions to Super - In November 2017, the Government passed legislation that will allow certain individuals who sell their main residence to contribute up to $300,000 of the sale proceeds to superannuation, without being constrained by the usual restrictions that otherwise apply to contributions - including contribution caps. (See more...)

Golden Oldie - By rights, the current market cycle should be shuffling into retirement, putting its feet up and taking things easy. (See more...)

We hope you find this newsletter useful. If you have any questions on these topics, feel free to contact us.

Feb 12

Summer 2018 Quarterly Insight Newsletter

Posted by Peter Marmara-Stewart at Monday, February 12, 2018

We are pleased to share with you our quarterly insight newsletter, Summer 2018 edition. This edition covers some of the highlights from I’m bored of bitcoin already..., Some inspirations for investing in a New Year, 11 Time Management Tips That Work, How to Increase Business Success with Daily Planning, and Two Rate Rises In 2018: ANZ.

I’m bored of Bitcoin already... - Bitcoin is not an investment; it is in our opinion a gambling instrument, in fact there are a number of gambling groups now offering odds on the movement of the coin. (See more...)

Some inspirations for investing in a New Year - We often hear a lot of famous quotes referred to after historic events take place, and Mr. Warren Buffett is often referred as the world’s greatest investor. (See more...)

11 Time Management Tips That Work - Do you feel the need to be more organized and/or more productive? (See more...)

How to Increase Business Success with Daily Planning - It’s just as important to start your work day right by starting with a daily planning session; it will provide you with the fuel you need to make the most out of your business day. (See more...)

Two Rate Rises In 2018: ANZ - ANZ Banking group provided colour around interest rates in January. (See more...)

We hope you enjoy reading this newsletter, and that you find this useful. Please don't hesitate to contact us if you have any questions or if you seek advice on these topics.

Dec 06

Summer 2017 Newsletter

Posted by Peter Marmara-Stewart at Wednesday, December 06, 2017

Summer is here!

With the AFL, NRL and the Spring Racing carnival well and truly behind us, it is now time for sports lovers to look forward to watching the “Aussies” towel up the “Poms” in the cricket as was seen with a terrific result for Australia in Brisbane.

The year has raced by, and with summer and Christmas just around the corner, it is time to start thinking about the new year and begin planning for 2018.

Marketing Via Email - Many of our clients who operate small to medium sized enterprises operate on a tight marketing budget. Typically, there would be only one or two people handling email-marketing activities. (See more...)

Getting Lucky - A British Psychology professor at the University of Hertfordshire, Richard Wiseman, has been studying how luck plays a role in our lives. (See more...)

Buying or Selling a Business - Many clients looking to increase the size of their business look to make bolt on acquisitions. (See more...)

Asset Finance - When preparing tax returns it is obvious that too many clients are not choosing the right type of asset finance. (See more...)

Travel Allowances - A travel allowance is a payment made to employees to cover accommodation, food, drink or incidental expenses they incur when they travel away from their home overnight in the course of their duties. (See more...)

For Clients with an SMSF - One overarching fundamental that SMSF trustees should ideally keep in mind is the sole purpose test - that is, every decision made and action taken is required to be seen as been undertaken for the sole purpose of providing retirement benefits for the fund’s members. (See more...)

We would like to thank you for selecting our business in 2017, and wish you a very Merry Christmas and happy and prosperous New Year.

If there are any specific areas of interest to you in this newsletter, please give us a call or send us an email with your questions and we would be delighted to assist.

We hope you enjoy the read.
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