Travel Destinations To Get The Most Bang For Buck

  Aussies love travelling overseas – it’s a simple fact. According to ABS stats, more of us head abroad for our holidays than ever before. So how do you make sure you get to have the holiday you want at a price you can afford? It’s not necessarily about resorting to hitchhiking and staying in backpacker hostels. Rather, it’s about being smart with your choice of destination. There are a number of countries around the world where luxury hotels, shopping and local activities are still affordable for Australians.   Vietnam According to those aforementioned statistics, visitors are flocking to Vietnam. This

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Self-Managed Superannuation Funds (SMSFs) and Insurance

Key types of insurance available via super Three types of insurance are usually available within a superfund, including an SMSF. A member can generally purchase the following types of insurance via a super Fund: Life Insurance Total and Permanent Disability (TPD) Insurance; and Income Protection Insurance. There are a number of issues to consider when insuring via the super environment: The sole purpose test A SMSF must be maintained solely for at least one or more core purposes and (optionally) for one or more ancillary purposes. A core purpose is to provide for: member upon retirement a member upon reaching

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Protecting The Life (And People) You Love

  With more Australians having children later in life, starting a second family and carrying significant levels of debt well into their 50s and 60s, life insurance has never been more important. Life is full of unexpected twists and turns and you never quite know what is around the corner. Protecting your family against the loss of all the things you have worked hard for over the years is the cornerstone of a sensible strategy to defend your wealth and current lifestyle. Although most people know this, being ‘underinsured’ – or holding insufficient life-related insurance cover – remains common across

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Mortgages: Lock In Certainty, Or Roll The Dice On Savings?

Over the last few years, interest rates have dropped dramatically. They’re now around a quarter of what they were a decade ago, and half of what they were just a few years ago. The Reserve Bank’s decision to leave rates on hold has got some economists and commentators talking; could it be time for a rate rise soon? Nobody knows exactly when (or even if) the Reserve Bank will raise interest rates again. The good news, however, is that you’ve got a choice that allows you to hedge your bets. Whether you’re establishing a new mortgage or switching from an

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Acquired Brain Injury (ABI)

  ABI is a term that is applied to any type of brain damage occurring after birth, and can include damage sustained from infection, disease, prolonged alcohol or drug abuse, lack of oxygen or even a blow to the head. Furthermore, it is more common than one would think.  According to the ABS, over 700,000 Australians have a brain injury that incurs daily activity limitations, and participation restrictions.  Frighteningly, of these 700,000, approx. 3 out 4 are aged 65 or younger, with almost two thirds of that being acquired before the age of 25.Three quarters of those with ABIs, are

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