by Ray McHale | Jul 30, 2017 | Cash flow management, Centrelink Assistance, Debt Management, Financial tips & advice, Household Budgeting, Saving, Wealth Creation
Raising kids can be expensive. As far back as 2012, the University of Canberra estimated that the typical Australian family spends over $800,000 to raise two children. Even if we omit families on higher incomes (who may opt for private schooling and more expensive...
by Ray McHale | Jul 30, 2017 | Cash flow management, Financial tips & advice, Household Budgeting, Investments, Loan Products, Saving, Taxation, Wealth Creation
Securing finance for your first property is an exciting and nerve racking time. The thrill of owning your first home can be offset by the stress of committing to a mortgage. Much of this stress can come from not understanding the mortgage market, an area that is often...
by Ray McHale | Jul 30, 2017 | Cash flow management, Debt Management, Financial tips & advice, Household Budgeting, Saving, Wealth Creation
How soon should you start teaching your kids about money? As soon as you can! The reality is that we live in a consumerist society, where children are exposed to messages that encourage them to want things by the time they can walk. According to US industry watchdog...
by Ray McHale | Jul 30, 2017 | Cash flow management, Financial tips & advice, Household Budgeting, Investments, Wealth Creation
When was your last pay rise? If it’s been a while, do you feel confident enough to request one? If you’re happy where you are, then you’re going to have to be proactive and negotiate. It’s rare anyone will volunteer to pay more for something unless they need to, and...
by Ray McHale | Jul 25, 2017 | Estate Planning, Financial tips & advice, Insurance & Protection, Wealth Protection
No one likes to think about their mortality, especially while in good health and in the prime of our lives. Unfortunately, nothing lasts forever and, as reluctant as we are to think about it, we must be prepared to accept our imminent demise. Although you can’t change...
by Ray McHale | Jul 25, 2017 | Comprehensive Advice, Estate Planning, Financial tips & advice, Investments, Saving, Wealth Creation
Property has been in the news a lot lately – thanks to the ever-spiraling cost of homes in many of our main centres which has made it increasingly difficult for young people to get a foothold on the property ladder. Due to demand, and an ever-increasing population,...
by Ray McHale | Jul 25, 2017 | Financial tips & advice, Investments, Saving, Wealth Creation
Investing in shares can seem a challenging task. Terminology like ‘derivatives’ and ‘shorting the market’ can be confusing and leave many Ma and Pa investors deciding it’s all too complicated. Yet investing in shares isn’t that confusing if you choose to keep it...
by Ray McHale | Jul 25, 2017 | Financial tips & advice, Household Budgeting, Insurance & Protection, Wealth Protection
Holidays are an exciting time regardless of how you like to enjoy them. You may prefer to head to the beach or prefer the tranquility of mountain views, maybe you’re a city lover or seek an escape to the country. Regardless of your travel preferences ALL travel comes...
by Ray McHale | Jul 16, 2017 | Cash flow management, Debt Management, Financial tips & advice, Household Budgeting, Insurance & Protection, Saving
Our health is the most valuable thing we have and eventually it will fail us at one stage or another. Choosing whether to have private health insurance comes down to risk management and risk has a value. According to the Australian Prudential Regulation Authority, 46%...
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