Personal insurances are designed to provide protection from the financial consequences of death or disability. They therefore form an important part of most financial plans. Here, in brief, is how they work.

Ask most 30-year old’s who their Financial Adviser is and the typical response might be ‘huh?’ After all, financial advisers are for older people with plenty of money to invest, aren’t they?Well, yes, people nearing or in retirement will benefit from sound advice. But so will younger people. With the benefit of having time on their side, and with some help from an adviser, a 30-something can easily establish a wealth creation plan that can deliver a big payoff in the future.

You seem to have the perfect job: the people are great; the location is convenient; and the hours suit your lifestyle. So why are you checking the online job ads?For many, the belief that we’re not paid what we could, or should, be paid is common. Not knowing what to do about it is equally common.We keep our concerns to ourselves because the thought of requesting a pay rise is so daunting, we don’t know where to start.If you’re nodding right now, read on as we provide a few tips for navigating the pay-rise minefield.

Don’t become a statistic - here are some things to look out for plus a few tips.

What would you do if a family member asked to borrow money – besides the less painful option of beating yourself over the head with a fence paling? You want to help, but you’re right to be wary.

Self-Managed Super Funds are among the fastest growing superannuation vehicles in Australia and they’re not ...