Is it groundhog day again?

Tuesday, 29 September 2015

Is it groundhog day again?

If like many investors you have been following the mainstream media in recent weeks you could be forgiven for thinking that the financial world is again standing on the edge of the cliff! For seasoned investors and regular readers of our blog, this latest “crisis” is just yet another chapter in the same old story. For the movie buffs, it does feel like the scene starring Bill Murray from the 1993 comedy Groundhog Day where Bill is trapped in a time loop and must live the same day over and over again!

Counting the cost of a curve ball

Friday, 31 July 2015

Counting the cost of a curve ball

Here’s a confronting question: what would you do if the primary breadwinner in your household could no longer bring in income? Do you have a Plan B? Most people don’t. That’s where insurance comes in.

CommonCents Mail July 2015

Wednesday, 15 July 2015

CommonCents Mail July 2015

Welcome to this month's newsletter. In this month's newsletter, we give you some ideas about preparing for a financial rainy day. Did you know that investor behaviour can be one of the main things that can influence the outcome of your financial performance? We look at superannuation salary sacrifice, insurance premiums, feature our selling a house calculator. We have also included an emotional, yet inspiring video of turning a devastating situation into a gift.

How well-protected is your business?

Wednesday, 08 July 2015

How well-protected is your business?

How good is your backup plan?

Really?

If you’re like many business owners you have already insured the physical assets of your business from theft, fire and damage. But have you considered the importance of insuring yourself – and other key people in your business – against the possibility of death, disability and illness. Not being adequately insured can be a very risky oversight, as the long term absence or loss of a key person can have a dramatic impact on your business and your financial interests in it.

Who sets the price? 6 tips for working out the value of your home.

Tuesday, 28 April 2015

Who sets the price? 6 tips for working out the value of your home.

When it comes to the value of our home, we all have our own idea as to what it should sell for and what we believe its value to be. Our emotional tie and perceived value of our property generally relates to the amount of money we’ve invested in it, the memories we’ve created in it and the amount of time or ‘blood, sweat and tears’ we’ve put into renovating, maintaining or building it.

Say hello to T.I.N.A

Friday, 27 March 2015

Say hello to T.I.N.A

Last week whilst attending a fund manager forum I was introduced to TINA. It seems in 2015 with record low interest rates and possibly even more rate cuts on the way many investors have already met TINA! Like you I had never heard of TINA – you see TINA is an acronym for ‘There Is No Alternative’.

Investment Insight

Tuesday, 27 January 2015

Investment Insight

The ECB finally delivers on QE

In this article, we analyse the European Central Bank’s recently announced quantitative easing program.

We discuss:

  • how the measures are better than financial market participants had hoped for
  • how they compare with other countries’ QE efforts,
  • whether the program is likely to succeed, and
  • why more still needs to be done to restore eurozone growth.

Smart strategies for families with young children

Saturday, 16 August 2014

Smart strategies for families with young children

The arrival of a new child can present a whole range of financial challenges. Not only does the household income usually drop, costs generally go up.

However, there are several Government benefits available to families with young children which may assist:

What will you get your Income from?

Wednesday, 13 August 2014

What will you get your Income from?

Where to get your income from

Income focused investment strategies have increased in popularity over the past few years as some investors shy away from the higher volatility of traditional investments like shares.

 

Do you know how many Super Funds you have?

Saturday, 09 August 2014

Do you know how many Super Funds you have?

Like many Australian employees, you’ve probably accumulated a number of different super accounts from various employers over the years. Perhaps you even have super from past employers that you’ve forgotten about. If so, effectively managing your super may become difficult.

Easing into retirement

Wednesday, 06 August 2014

Easing into retirement

More than ever before, Australians are now transitioning gradually into retirement, rather than abruptly ending full-time work. In fact, 48% of full-time workers aged 45 or over are planning to move to part-time work before retiring.¹

Self preservation

Sunday, 20 July 2014

Self preservation

How to protect your wealth and income.

Many high income earners rely significantly on their salary to meet their everyday living expenses, pay their mortgage and fund their investments.

What this also means is they’re leaving themselves unprotected should unforeseen circumstances, such as an illness or injury, prevent them from working.

How healthy is your personal insurance strategy?

Tuesday, 15 July 2014

How healthy is your personal insurance strategy?

With a number of natural disasters over the past couple of years, many have been checking their home, contents and car insurances to make sure they’re covered for similar disasters.

Dramatic weather can be a stark reminder of how our loved ones and the things we work hard for can be put at risk without warning.

Our comprehensive online resource enables our clients to explore at their own pace.

 

CommonCents Financial Planning | P 1300 376 781 | E This email address is being protected from spambots. You need JavaScript enabled to view it.
CommonCents Financial Planning Pty Ltd ABN 15 167 774 361 Authorised Representative of GWM Adviser Services Limited ABN 96 002 071 749 trading as
MLC Financial Planning, Australian Financial Services Licensee, 105 – 153 Miller Street North Sydney NSW 2060
Commoncents Financial Planning
Address:
115 Herries Street
Toowoomba QLD 4350
Phone: 1300 376 781
Fax: 1300 376 791